UBenjamin Graham Quotes

Phakathi kwabatyali mali abaninzi ababekho ehlabathini, omnye wabona babalaseleyo nguBenjamin Graham, owasweleka ngo-1976. Ukwabizwa ngokuba ngutata wexabiso lotyalo-mali, Lomtyali wamaNgesi wayengutitshala wabantu abakhulu abafana noWarren Buffett okanye u-Irving Kahn. Ngaphandle kwamathandabuzo, iikowuti zikaBenjamin Graham kufanelekile ukuba zifundwe, kuba zinobulumko obuninzi bezemali.

Ngaphandle kwamabinzana kaBenjamin Graham, sizakuthetha malunga nokuba wayengubani kwaye lixabisa ntoni utyalo-mali. Konke oku kuyinxalenye yenkcubeko ngokubanzi kwihlabathi lezemali, ke ndikucebisa ukuba uqhubeke ufunda.

Ezona binzana zili-15 zibalaseleyo zikaBenjamin Graham

Njengoko besesitshilo ngaphambili, uBenjamin Graham wayengumtyali mali obalaseleyo kwaye wabiza utata wexabiso lotyalo-mali. Ngesi sizathu, kufanelekile ukufunda amabinzana amakhulu asishiyileyo uBenjamin Graham. Emva koko siza kubona uluhlu lwezinto ezilishumi elinesihlanu ezilungileyo:

1. "Abantu abangakwaziyo ukulawula iimvakalelo zabo abafanelekanga ukuba benze inzuzo ngokutyala imali."
2. "Nabani na otyala imali kwizitokhwe akufuneki akhathazeke kakhulu malunga nokuhla okungahambelani kwamaxabiso ezokhuseleko, kuba kwixesha elifutshane imarike yemasheya iziphatha njengomatshini wokuvota, kodwa ekuhambeni kwexesha isebenza njengesikali."
3. “Awuyi kuba unyanisile okanye ungalunganga kuba isihlwele asivumelani nawe. Uya kuba ulungile kuba idatha yakho kunye nokuqiqa zichanekile. "
4. "Mnumzana weNtengiso uyischizophrenic okwethutyana kodwa wabuya wabuyela ezingqondweni kwixesha elizayo."
5. “Imakethi ifana nependulum ehlala itshintsha phakathi kwethemba elingenakuziniseka (elenza izinto zibize kakhulu) kunye nethemba elingaqinisekanga (elenza izinto zexabiso zitshiphu). Utyalo-mali olumkileyo ngumntu oqinisekileyo, othengisa ithemba kwaye othenga ukungabi nathemba. "
6. "Ukuba ufuna ukuba sisityebi, funda hayi kuphela ngendlela yokufumana imali, kodwa kunye nendlela yokutyala."
7. "Ilahleko ezinkulu zabatyali zimali zihlala zivela ekuthengeni iiasethi ezikumgangatho osezantsi ngamaxesha oqoqosho alungileyo."
8. "Kuyamangalisa ukubona ukuba bangaphi oosomashishini abanobuchule abazama ukusebenza eWall Street, bengayikhathaleli yonke imigaqo-nkqubo efanelekileyo abaye baphumelela ngayo kwiinkampani zabo."
9. "Uninzi lwamaxesha esitokhwe aphantsi kotshintsho olungenangqondo kunye nokwehla okugqithisileyo kumaxabiso njengesiphumo sotyekelo lwabantu abaninzi lokucinga okanye ukugembula ... ukwenza indlela yoku ufuna ithemba, uloyiko nokubawa."
10. Ukufumana iziphumo zotyalo-mali ezanelisayo kulula kunokuba abantu becinga; ukufumana iziphumo eziphezulu kunzima kakhulu kunokuba kuvakala. "
11. "Nomtyali mali okrelekrele kungenzeka ukuba afune ukuzimisela ukuze angalandeli isihlwele."
12. "Lumka uqikelelo, bubudenge ukucinga ukuba uluntu ngokubanzi lungenza imali kuqikelelo lweemarike."
13. "Ingxaki enkulu yomtyalomali, kwaye nokuba lutshaba lwakhe olubi, mhlawumbi yena."
14. "Ilahleko ezoyikeka kakhulu zihlala zisiza emva kokuba umthengi alibale ukubuza ukuba yimalini."
15. "Mibini imigaqo yokutyala imali: Eyokuqala ayilahleki, kwaye eyesibini, ungaze uwulibale umthetho wokuqala."

Ngubani uBenjamin Graham?

Nge-9 kaMay, 1894, uBenjamin Graham wazalelwa eLondon, namhlanje owaziwa ngokuba ngutata wexabiso lokutyala imali kwaye osweleke ngoSeptemba 21, 1976. Ngaphandle kokuba ngumtyali mali, uGraham ukwasebenza njengonjingalwazi kwi "Columbia Business School "Wabhala iincwadi ezimbini zezemali:" Uhlalutyo loKhuseleko "kunye" noMtyali mali okrelekrele. " Zombini ziqwalaselwa ngabaninzi njengeyona ncwadi yezezimali ibalaseleyo.

Kwi-Columbia Business School, uBenjamin Graham waqala ukufundisa isicwangciso esitsha sotyalo-mali esibizwa ngokuba "lixabiso lotyalo-mali." Kude kube namhla isesona sicwangciso sisetyenzisiweyo nesicetyiswayo ngoqoqosho olukhulu. Phakathi kwabafundi bakayise wexabiso lokutyala imali ngabantu abadumileyo njengoWarren Buffett, Irving Kahn, Walter J. Schloss okanye uJean Marie Eveillard.

Inqaku elidibeneyo:

Iimpawu zikaRay Dalio

Ngelixa iimfundiso zakhe ngexabiso lotyalo-mali zaqala ngo-1928, kwakungekade kupapashwe incwadi yakhe ethi "Uhlalutyo loKhuseleko" apho wachaza igama elithi "utyalo mali." Le ncwadi yabhalwa noDavid Dodd, umtyali mali waseMelika. Kwincwadi "uMtyali mali okrelekrele", uGraham sele enika izimvo ngokubaluleka komda wokhuseleko otyale imali kwixabiso.

Ngaphandle kokwazi njengotata wexabiso lotyalo-mali, uBenjamin Graham ukwaziwa njenge utata wobutshantliziyo besitokhwe. Impembelelo awayenayo kubafundi bakhe yayikukuba ababini babathiya abantwana babo ngegama lakhe. UWarren Buffett wamthiya unyana wakhe uWoward Graham Buffett kunye no-Irving Kahn ogama lonyana wakhe nguThomas Graham Kahn. Ngapha koko, uBuffett uye wavuma izihlandlo ezininzi ukuba uBenjamin Graham wayengoyena mntu wayezokumphembelela kakhulu, emva koyise.

Ixabiso lokutyalomali

Ukwaziwa njengexabiso lotyalo-mali, ukutyalomali kwexabiso yifilosofi yotyalo-mali esebenza ngayo isekelwe ekufumaneni iziqinisekiso ngexabiso eliphantsi. Ukuba sithatha ixabiso lentengiso kwixabiso langaphakathi lesitokhwe esithengiweyo, oko kukhokelela kumda wokhuseleko ekufuneka kuthi ngalo lonke ixesha unikwe xa sityala imali kwixabiso.

Ngokubanzi, abatyali mali, njengoBenjamin Graham, bacinga ukuba ixabiso lentengiso liyonyuka kwixa elizayo xa liphantsi kwexabiso lesitokhwe. Yinto edla ngokwenzeka xa intengiso ihlengahlengisa. Nangona kunjalo, ixabiso lokutyalomali Ineengxaki ezimbini ezinkulu. Kuya kufuneka siqikelele ngokuchanekileyo ukuba ixabiso elingaphakathi liyakuba yintoni kwaye siqikelele kangangoko kunokwenzeka xa eli xabiso liza kubonakala kwintengiso.

Inqaku elidibeneyo:

UCharlie Munger ucaphula

Baninzi abatyali mali abadumileyo nabazizityebi ngeendlela ezahlukeneyo. Ngamnye unamava abo, iindlela zabo, kunye neengcebiso zabo. Ngamabinzana kaBenjamin Graham ndiyathemba ukuba ndikuncedile kwaye ndakukhuthaza ukuba utyale imali kwintengiso yemasheya.