Iingxowa-mali zeCompterintu zingakuphucula njani iziphumo zakho
Ngaphambi kokuba ndichaze indlela yokwenza imali kutyalo-mali kwiinkampani ezimbi, kunjalo, ndivakalelwa ukuba i-caveat ilandelwe. Ezi ntlobo zentsebenzo ziphakathi kwentsapho yezinto zokuphatha iiphothifoliyo ezenziwa nguyise wexabiso lokutshala imali, uBenjamin Graham, wacinga ngokucetyiswa ukuba kuluhlu lweklasi lwabatyalomali athi wayebiza ngokuthi "abatyali-mali abatshabalalayo"; abo banolwazi olunzulu, banemithombo ebalulekileyo kwimali engenayo kunye nexabiso elaneleyo lokwenza ukuba bakwazi ukuqhubeka nokunyamekela nokulahlekelwa kwezinto ezichaphazelekayo kwimeko yephothifoliyo, kunye nabanobuchule obunzima bokujongana nokuphazamiseka okungenakukuphepha okuya kuhamba nolo hlobo yokusebenza. Uninzi lwentsikelelo yangempela, ubutyebi obuzinzileyo, obuninzi-jikelele obuya kunikwa abantwana kunye nabazukulu kwiimali zithemba , kubangelwa ukuba nebhizinisi elihle kwixesha elide eliqhelekileyo. Kulula kakhulu ukufumana isityebi ngokutyalomali kumaziko amashishini afanelekileyo , uhlobo olunexabiso elikhulu lokuthengwa kwemali-mboleko , ngakumbi ukuba unokufumana ngexesha leexa ixabiso lesitoko liphantsi kwexesha elifutshane ngenxa yeengxaki zexeshana , nakuba zihlawula Ixabiso elifanelekileyo kubo ngokuqhelekileyo liyindlela ehlakaniphile yokuziphatha.
Ndikufundisa malunga nabo ukuze niqonde izizathu zabanye abantu kunye namaziko angathatyathwa ukutyalomali kwishishini elibonakala liqhuba kakubi. Oku akuyona indawo ekufuneka uhambe ngayo ngokulula. Ukuba awuqinisekanga oko ukwenzayo, cinga ukutshala imali kwi-index index okanye ukwakha iipotifoliyo ezahlukileyo ze- chip chip , mhlawumbi kwi- akhawunti ye-brokerage, i-akhawunti yokugcinwa , okanye kwi- plan yokubuyisela isahlulelo .
Ukuboleka umzobo kwi-skiing, into ezayo ngaphambili yimihlaba emnyama yedayimane.
Umzekelo wokwenza imali kwiShishini elibi kwiShishini leoli
Khawucinge nje ekupheleni kwee-1990 kunye neoli engcolileyo i-$ 10 ngomgqomo. Unomnye umkhulu-mali ongeyena onqwenela ukuyicacisa; imali engaphandle kwipotfoliyo yakho eyintloko ozimisele ukuyibeka engozini kwaye akudingeki ukuba uphile. Inkolelo yakho yokuba ioli iya kutshatyalaliswa ngokukhawuleza ibe yi-$ 30 ngomgqomo kwaye ungathanda ukufumana indlela yokuyisebenzisa inzuzo yakho. Ngokuqhelekileyo, njengomtyalo-mali osisigxina uza kukhangela inkampani ngezoqoqosho ezilungileyo kwaye unamathele kwi-shares yakho, ukupaka kwabo amashumi eminyaka njengoko uqokelele kwaye ubuyisele kwakhona izabelo . Nangona kunjalo, ukhumbule ubugcisa obufundiswa kuHlalutya loKhuseleko kwaye ngokwenene ufuna iinkampani ezincinci zeoli kunye nokuqala ukuthenga izithuba kunokutyalomali kwii-oors.
Kutheni ungakwenza oku? Khawucinge ukuba ukhangele ezimbini kwiinkampani zeoli:
- Inkampani A yoshishino elikhulu. Ukungcola okwangoku i-$ 10 ngomjikelo, kwaye ukuhlolwa kwayo kunye nezinye iindleko yi-$ 6 ngomgqomo, ushiye i-$ 4 ngomvuzo wempompo.
- Inkampani B ibhizinisi elibi xa lithelekiswa. Unokuhlola kunye nezinye iindleko ze-$ 9 ngombhobho, ushiya kuphela i-$ 1 ngomgqomo kwinzuzo kwixabiso langoku elibi li-$ 10 ngomgqomo.
Ngoku, khawucinge ukuba ii-skyrockets ezingekho phantsi kwee-$ 30 ngomgqomo. Nazi iinombolo zenkampani nganye:
- Inkampani A yenza $ 24 ngomgqomo kwinzuzo. (I-$ 30 ngomjikelo ongezantsi-mali-$ 6 kwiindleko = $ 24 inzuzo).
- Inkampani B yenza i-$ 21 ngomgqomo kwinzuzo (i-$ 30 ngomjikelo ongezantsi-$ 9 kwiindleko = $ 21).
Nangona i-A nkampani yenza imali eninzi ngqiqo, inzuzo yayo yenyuka ngama-600% ukusuka kwi-$ 4 ngomgqomo ukuya kwi-$ 24 ngomgqomo xa kuqhathaniswa nekampani B eyongeze inzuzo yayo i-2,100%. Ngaphezulu kweli xesha, xa amaxesha anzima, Inkampani A mhlawumbi yayinomlinganiselo ophezulu wexabiso ukuya kwiNkampani B ngokokuba izinto ziphinde zenzeke, kunokwenzeka ukuba okokugqibela kwavela into eyaziwa ngokuba yandisa kakhulu, eyongezelela ukunyusa okungeziwe. Isiphumo siya kuba yintengo yempahla yeNkampani B eyanda ngakumbi, mhlawumbi ngokuthe ngqo, ngaphezu kwexabiso lempahla yeNkampani A.
Ngamanye amazwi, inkampani A yinkampani engcono kodwa iNkampani B iyisisitye esingcono.
Isizathu Sokuba Kunokwenzeka Ngezinye Izihlandlo Ukubeka Imali Kwimashishini Engalungileyo Ngenxa Yendlela YokuSebenzayo Yokusebenza
Into oye yabonayo kwisimo sethu sengqondo senzeke ngenxa yento eyaziwa ngokuba yimpumelelo. Imilinganiselo yokusebenza iyigama elisetyenziswe ekuchazeni izinga lenkampani yeendleko ezichanekileyo ezinxulumene nengeniso . Kwiinkampani ezinomgangatho ophezulu wokusebenza, iindleko ezizinzileyo - izinto ezifuneka zihlawulwe ukuba zihlale kwishishini - zininzi. Ngaphambi kokuba zihlanganiswe, inkampani ilahlekelwa yimali okanye ikhefu. Xa ezo zindleko ezincinci zigqityiwe, inxalenye enkulu yedola nganye eyongezelelweyo kwingeniso iwa phantsi. Le nto ingaba ikrele elihlangene kabini kuba lithetha ukuba xa imali ingena ngaphantsi kweendleko ezizinzileyo, ukuchithwa okubuhlungu, kubandakanywa ukulahlwa kwezinto ezinkulu kunye nokuvalwa kwezixhobo, kufuneka ukuba kwenzeke "ukulungelelanisa" umbutho okanye ezinye ilahleko ziya kuqala ukuqokelela ngokukhawuleza. . Kwiphepha le-flip, xa umyinge wenkcitho ogqityiweyo ugqityiweyo, inzuzo ikhukhula phantsi kwezantsi kwingeniso yengeniso kwaye igxininise abanikazi kwipesenti ezingenakubalwa zemali.
Iinkampani ezinomgangatho ophezulu osebenzayo zihlala zifumaneka apha:
- Amashishini agxininisa i-Asset - Iinqwelo-moya kunye neendowuni zetsimbi ziyimimiselo engabalulekanga. Xa izinto zihamba kakubi, zivame ukuwa phantsi komncintiswano ukuya kwintendelezo ye-bankruptcy, ukutshabalalisa abatyalo-mali endleleni. Xa izinto zilungile, ixabiso lesabelo liqhuma phezulu, okwenza abantu abaninzi (rhoqo bexeshana) batyebi.
- Amashishini axhomekeke kumveliso - Abavelisi beCopper, abavukuzi begolide, iinkampani zokuhlola ioli; ezi shishini zinokuguquka okukhulu kweengeniso ezibangelwa ukunyuka kwenzuzo yasendle ngenxa yokuba iindleko ezizinzileyo azikwazi ukulungelelaniswa ngokukhawuleza njengoko ixabiso lemarike lexabiso eliveliswe okanye lihanjiswa.
Zininzi iindlela ezilula zokukwenza imali ebomini. Ibhizinisi elibi lingaba yintloko eqhubekayo, idixise ngawo onke amaxesha ngelixa unika ithuba lokunyaniseka kwenkqubela phambili. Kulula kakhulu ukufumana iqoqo elihle lamashishini amangalisayo kwaye mayeke ixesha kunye nokuqulunqa umsebenzi wabo umlingo, kubandakanye ukuvumela ukuba unandiphe imiphumo emibi yokuhlawulwa kweerhafu . Ukuba imbali kukho nawuphi na umkhombandlela, mhlawumbi uya kugcina ujonge ngakumbi ukufumana izandla zakho kwenye yale mizekelo yokusebenza kwaye ubambelele njengenkunzi yenkomo, ungafuni ukuyikhupha. Yongeza kwizinto ezahlukeneyo kwiphina inhlekelele endleleni kwaye akubunzima kakhulu ukwakha ubutyebi .