Iintlobo zeeSitishi Unokufuna Uyiqwalasele Xa Uloyiko luya phezulu
Emva kokulungiswa, umhlobo wam wandibuza ukuba yeyiphi na iphothifoliyo engayi kuyakha kumntu owayefuna ukulingana naye (amasheya) kodwa wayenomdla ekunandipha ukutshintshwa kwexabiso lentengo.
Njengoko sasincokola ngekhofi, ndaqala ukucinga ukuba ulwazi lunokuba luncedo kwabanye abafundi bam. Nantsi ingqwalasela yezinye izinto eziza kufanelana nalo mthetho.
Amasheya anemivuzo eyahlula ngakumbi kunokuba i-Nondyebo yexesha elide ivelisa ngokufanelekileyo ukulwa nokuhlaselwa kwabaTyalo-mali abazikhuselekileyo.
Okokuqala, kwaye mhlawumbi inamandla kakhulu ukukhusela isitokethi esinemali emivuzo kunye nomlinganiselo wokuhlawula umrhumo omhle kunye nomvuno wezahlulo, ngakumbi xa kuthelekiswa nesivuno esifumaneka kwi-United States engekho mngcipheko. Ingqiqo yinto elula kakhulu: Abatyalo-mali bahlala beqhathanisa yonke into ekuthiwa yi-"free-free" rate. Isizathu? Xa uthenge ityala leMelika, unokuqiniseka ukuba uya kuhlawulwa. Njengoko isizwe esona sidaka kakhulu emhlabeni, wonke urhulumente kufuneka akwenze ukuphakamisa irhafu okanye ukuthengisa impahla ukuze ahlawule ityala layo.
Xa isivuno sesahlulo sesitokisi sifana ne-bond bond, abatshali-mali abaninzi banokukhetha ukuba babe ngabangaphambili. Awufumani nje imali eyongezelelweyo evela kwisivuno sokuhlawula ngenxa yentlawulo yerhafu efanelekileyo (izabelo zingaphantsi kwe-23.6% yezinga lentlawulo yaseburhulumenteni ngoxa iibhondi zeeNondyebo, nangona zikhutshwe kwiirhafu zorhulumente kunye neendawo zendawo, ziyakwazi ukuqhubela phezulu njengoko i-39.6% ) kodwa, mhlawumbi okubaluleke ngakumbi, ufumana inzuzo eyinkunzi ephuma kwixabiso lentengo ekhulayo.
Emva koko, yintoni umntu onengqiqo ongeke afune ukufumana ikhekhe kwaye adle nayo?
Nantsi indlela ekukhusela ngayo ngexesha lemarike esezantsi: Njengoko intengo yesithamo iwa, isivuno sokwahlula senyuka ngenxa yokuba isahlulelo semali sisininzi sepesenti yentengo yesabelo nganye. Ngokomzekelo, isitokethi se-$ 100 esine-dividende ye-$ 2 iya kuba ne-2% isivuno semali; ukuba isitokisi sifike kwi-50 engama sabelo ngasinye, nangona kunjalo, isivuno sokwahlula siya kuba yi-4% (i-$ 2 ehlukaniswe ngama-50% = 4%.) Phakathi kwe-market crash, ngenye indlela isivuno sabelo sabelo sikhulu kakhulu kangangokuba abatyali-mali banamaxabiso amaninzi bahlala behlaselwa kwiimarike, bethengisa izabelo kunye nokuqhuba ixabiso. Yingakho uhlala ubona umonakalo omncinci kwizabelo eziphezulu ezihlawula iimpahla ngexesha lokuthengisa . Ukudibanisa nophando olwenziwe nguJeremy Siegel , oku sisinye isizathu sokuba abatyali-mali bafune ukuqwalasela aba bakhiqizi bemali kwiipotifoliyo zabo.
Ukuze ufunde kabanzi malunga nesi sihloko, funda ukuba kutheni amasheya ahlawulayo ahlawulayo atyelela ukuwa phantsi kweeMarashethi ze-Bear kunye nezizathu ezi-3 ezizathu zokubanjelwa kweeStendends .
Amashishini aseStaple Companies kunye nezinye ii-Stocks ze-Blue Chip kunye namaSpredishithi okuBhalisa okuKhuselekileyo kunye neziNcedo eziPhezuluyo eziPhezuluyo ziphakathi kweeNtlobo ezintle zoTyalo-mali oluPhezulu
Abanini-zimali bokwenene banomdla kwinto enye kunye nento enye kuphela: Ukuthengisa iinkampani ezinexabiso eliphezulu lexabiso lemali elikhoyo eliphezulu kwixabiso elihle kakhulu.
Ngezihlandlo zoqoqosho ezinzima, ukuzinza kweenzuzo kubaluleke kakhulu. Ngokuqhelekileyo, iimpahla ezinempumelelo kakhulu zikhona ezinokuzincama ezikhuselekileyo. Ezi zinto zithengi zithengisa izinto ezifana nomlomo, iphepha langasese, i-toothpaste, isepha yokuhlamba impahla, isinkwa sasekuseni kunye nesoda. Kungakhathaliseki ukuba uqoqosho lubi kangakanani, akungabazeki ukuba nabani na oya kumisa amazinyo okanye ukuhlamba iimpahla zabo.
Ukufumana ezi nkampani akunzima. Zihlala zibizwa ngokuba yi- blue chip stocks kwaye zenza i- Dow Jones Industrial Average . Ziquka amagama omakhaya anjenge-3M, i-Altria, i-American Express, i-Coca-Cola, i-Exxon, i-General Electric, i- Home Depot , uJohnson & Johnson, uMcdonald, uMcter & Gamble, kunye noWal-Mart . Zivame ukuba nezakhono ezinkulu kakhulu zemarike.
IiNkampani ezintle eziNkqubo eziNinzi zoKwahlulwa kweeNkxaso eziNinzi ziZenza iiMpahla eziKhuselekileyo eziKhuselekileyo
Ezinye iinkampani, ezifana ne-AutoZone kunye neCoca-Cola, zihlawulela rhoqo ixabiso lazo ezabelo .
Kwimakethi ehlayo, oku kunokukunceda ukunciphisa uxinzelelo ngoba njengoko isitokisini sithengiswa, inkampani ngokwayo ihlala imile kunye nekhoksi yayo evulekile. Kukho inzuzo ephindwe kabini apha ukuba ukuba isitokethi singabalulekiyo, iinzuzo zabanini-mali bexesha elide zivela kulezi zithengiso njengoko ishishini liyakwazi ukunciphisa izabelo ezipheleleyo ngokukhawuleza ngokukhawuleza ngentengo yesitokhwe esezantsi, ukwandisa umvuzo wexesha elizayo ukwabelana kunye neengeniso zemali kwisitishi esisele. Oku kunenzuzo ngakumbi xa izinto zijikeleza isitokisi zibuyiswa ngenxa yokuba izabelo eziseleyo zifumana ukuphakama okukhulu.
Ukuthengiswa kweeShishini kwiiValulo eziqikelelwayo njengoko zilinganiselwe yiMetrikhi yeZembali zenze iindawo ezifanelekileyo zokuzikhethela
Ewe, ukuba uthengela ibhasikidi eyahlukeneyo yeempahla eziqhelekileyo ezineempawu ezinxulumene nexabiso lokutshala imali ezinjengexabiso eliphantsi kwimilinganiselo yokufumana imali , ixabiso elincinane ukuya kubhaliso lweencwadi, ixabiso elincinci kwimilinganiselo yokuthengisa, imisebenzi eyahlukeneyo, iibhanti zamaphepha-mali , njl njl. iziphumo ezintle ukuba uya kuvela kwi-wreckage engaphazamiseki kwixesha elide. Yingakho ixabiso elisekelwe kwiivenkile zokulawula imali ezifana neTweedy Browne kunye neNkampani liye lakwazi ukubuyisela iziphumo ezinomtsalane kubanini-mali babo kunye nabatyalomali abazimeleyo kwiminyaka emashumi. Kwabaninzi abatyalo-mali abangenalo amava, oku kufezekiswe ngempumelelo kwi-index index cost.
Ezinye Iingcamango
- Ukuba awukwazi ukuhlaziya iingxelo zemali kwaye ubale ukuqikelelwa kokulinganisela kokubaluleka kwangaphakathi kweefayili kwiphothifoliyo yakho, ngumgaqo osisilumko ukugcina ulwahlulo olubanzi.
- Cinga ukugcina inxalenye yepotfolio yakho kwimali-mali yomhlaba wonke ngokutyalomali kwi-fund ye-mutual fund okanye kwi-index index.
- Ungalokothi utyalomali nayiphi na imali enokuthi ungayidinga kwiminyaka emihlanu ezayo .
- Ukuba awukwazi ukulawula ukunyaniseka kwexabiso, cinga ukunciphisa i-gyrations epheleleyo yepotfolio yakho ngokubandakanya ibhondi enkulu okanye iqela elingenayo imali. Nangona oku kunokunciphisa ukubuyela kwakho emva kwamashumi eminyaka ezayo, ukuba kunciphisa amathuba okuthengisa yonke into ngethusa, inokunika ingcamango ebonakalayo.