Iimpawu zikaRay Dalio

Omnye wabatyali mali abaphambili kwihlabathi nguRay Dalio. Ungusozigidigidi waseMelika opha ububele kunye nomphathi wehadge fund enesidanga se-master kwi-ADE (uLawulo lwezoShishino). Okwangoku inexabiso elingaphezulu kwe- $ 20 yezigidigidi. Ngesi sizathu kunokuba nomdla kakhulu ukufunda amabinzana kaRay Dalio.

Ukuba ufuna ukufunda nokuzikhuthaza ukuba uqale okanye uqhubeke nomsebenzi wakho kwilizwe lezemali, ndincoma ukuba uqhubeke ufunda. Ukufunda kwabona batyalo-mali abalungileyo kwihlabathi kunokuhamba indlela ende. Ngesi sizathu sinye, kuyacetyiswa ukuba ufunde kwaye ubeke ngaphakathi amabinzana amakhulu kaRay Dalio.

Amabinzana angama-72 amahle kaRay Dalio

Abatyalomali abakhulu njengoRay Dalio banembali ende kwihlabathi lezemali. Ke ngoko, ayikaze ibe buhlungu ukufunda amabinzana akhe abalaseleyo, kuba banamava amaninzi kunye nobulumko. Emva koko siza kubona uluhlu lwama-72 amabinzana alungileyo kaRay Dalio:

1. "Ukungalawulwa yimvakalelo kunceda ukubona izinto kwinqanaba eliphezulu."
2. Sukufuna ukugqibelela, kuba abagqibeleleyo bahlala bechitha ixesha elininzi kunomahluko omncinci kwimida ngenxa yezinye izinto ezinkulu nezibalulekileyo. Yiba kukungafezeki okusebenzayo.
3. «Ixesha lifana nomlambo othatha ukuba sihlangane nenyani esisinyanzela ukuba senze izigqibo. Asinakuyimisa intshukumo yethu ezantsi kwalo mlambo kwaye asinako ukuziphepha ezo ntlanganiso. Singasondela kubo ngeyona ndlela ibalaseleyo.
4. "Ndiyakholelwa ukuba ukuqonda into elungileyo kuvela ekujongeni indlela elisebenza ngayo ilizwe kunye nokuqonda indlela yokusebenza ngokuhambelana nayo ukunceda ukuvela."
5. "Khumbula ukuba ungazithembi kakhulu kuvavanyo lwakho, njengoko unokuba ungalunganga."
6. "Ukuba ungazicingela ngelixa uvulekile engqondweni ngendlela ecacileyo yokufumanisa okona kukulungeleyo, kwaye ukuba ungacela isibindi sokwenza njalo, uya kulisebenzisa kakhulu ubomi bakho."
7. "Ukuba awuphumeleli, awugqithi kwimida yakho, kwaye ukuba awugqithi kwimida yakho, awusebenzi amandla akho."
8. "Ukuphulaphula abantu abangenalwazi kubi kunokuba kungabikho mpendulo."
9. “Ndifunde ukuba ukuba usebenza nzima kwaye uyila, unganayo nantoni na oyifunayo, kodwa hayi yonke into oyifunayo. Ukuqola kukukwazi ukwala ezinye iindlela ezilungileyo zokulandela ezingcono.
10. "Iimpazamo yindlela yokwenza inkqubela phambili."
11. Khetha imikhwa yakho kakuhle. Umkhwa sesona sixhobo sinamandla kwibhokisi yezixhobo zengqondo yakho.
12. "Ngalo lonke ixesha ujamelana nento ebuhlungu, ukwindawo ebalulekileyo ebomini bakho: unethuba lokukhetha inyani esempilweni kwaye ibuhlungu okanye inkohliso engenampilo kodwa intofontofo."
13. "Into ebaluleke kakhulu kukuba uhlakulele imigaqo yakho kwaye ubhale phantsi, ngakumbi ukuba usebenza nabanye."
14. Ungaze uthethe nantoni na ngomntu ongekhe uthi ngqo kubo, kwaye ungazami ukutyhola abantu ungakhange ujonge kubo ebusweni. Abantu abathetha kakubi emva komqolo wakho babonisa ukungabikho kwengqibelelo enkulu kwaye abanaziphumo. Ayivelisi naluphi na utshintsho oluluncedo, kwaye ibhukuqa bobabini abantu obahlasela kakubi kunye nokusingqongileyo ngokubanzi. '
15. “Ukuba ungazijonga iingxaki zakho, zihlala ziphantsi okanye zinyamalale, kuba uhlala ufumana eyona ndlela ibhetele yokujongana nazo kunokuba awujongani nazo. Okukhona kunzima ngakumbi ingxaki, kokukhona kubalulekile ukuba uyijonge ujongane nayo.
16. “Ubomi bufana nomdlalo apho ufuna ukoyisa imiqobo emi endleleni yokufikelela iinjongo zakho. Uphuculo kulo mdlalo ngokwenza. Umdlalo uqulethe uthotho lokhetho oluneziphumo. Awunakho ukuyeka iingxaki kunye nokukhetha ukuza kuwe, ke kungcono ufunde ukujongana nazo.
17. "Impumelelo iza ngokwazi into ongayaziyo, ngaphezu kwento oyaziyo."
18. "Elona cebiso ndilinokukunika lona kukucela into oyifunayo, emva koko ubuze ukuba" yintoni eyinyani "- emva koko ubuze ukuba yintoni ekufuneka yenziwe ngayo. Ndicinga ukuba uyakwenza oku uya kuhamba ngokukhawuleza okukhulu ukuya kwinto ofuna ukuyifumana ebomini kunokuba ungayenzi! ».
19. “Ngempazamo oyifundayo kuwe, uyakusindisa amawaka eempazamo ezifanayo kwixesha elizayo, ke ukuba uphatha iimpazamo njengamathuba okufunda avelisa ukuphucuka okukhawulezileyo, kufanelekile ukuba wonwabe. Kodwa ukuba ubaphatha njengezinto ezimbi, uya kuzenza wena kunye nabanye ukuba lusizi, kwaye awuyi kukhula.
20. "Sukuba nexhala ngokujongeka ulungile, khathazeka ngokufikelela iinjongo zakho."
21. “Impumelelo ifunyanwa ngabantu ababuqonda nzulu ubunyani kwaye bayayazi indlela yokuyisebenzisa ukufumana oko bakufunayo. Ukubuyela umva kuyinyani: abagxeki abangazinzanga ngokwenyani benza iingxaki, hayi inkqubela phambili.
22. "Abantu abakhathalele ukujonga okuhle bahlala befihla abangakwaziyo kwaye bafihle ubuthathaka babo, ke soze bafunde ukujongana nabo ngokufanelekileyo kwaye obu buthathaka buhlala bungumqobo kwikamva."
23. "Ukuvavanya ukuba unomdla kakhulu malunga nokujonga okuhle, jonga indlela oziva ngayo xa ufumanisa ukuba wenze impazamo okanye awazi nto."
24. "Abantu abadibanisa into abayifunayo ngokwenene yinyani yokwenene benza imifanekiso ephosakeleyo yenyani ebathintela ekuthatheni izigqibo ezilungileyo."
25. Funda into ongayaziyo. Zive ukhululekile ngokuqonda iimpazamo nobuthathaka bakho.
26. "Kuqheleke kakhulu ukuba abantu bavumele i-ego ingene kwindlela yokufunda."
27. "Eyona ntlekele inkulu ebantwini ngabantu abanezimvo ezingalunganga."
28. Sukuba buhlungu ngeempazamo zakho okanye ezabanye. Ndiyathanda! Khumbula ukuba inye: zilindelwe; ezibini: ziyinxalenye yokuqala nebaluleke kakhulu kwinkqubo yokufunda; kwaye ezintathu: ukuziva ungonwabanga kuzo kuya kukuthintela ukuba ungcono.
29. "Ukwenza imali kwiimarike, kufuneka ucinge ngokuzimeleyo kwaye uthobeke."
30. "Okona ucinga ukuba uyazi, kokukhona uya kuvala ingqondo evakalayo."
31. "Xa ucinga ukuba kunzima kakhulu, khumbula ukuba ekuhambeni kwexesha, ukwenza izinto eziza kukwenza uphumelele kulula kunokuba ungaphumeleli."
32. "Ngaphezu kwayo nayiphi na enye into, yintoni eyahlula abantu abaphila ngokufikelela kumandla abo kwabo bangekhoyo kukulungela ukuzijonga bona kunye nabanye ngokuchanekileyo."
33. “Eyona mpazamo inkulu abayenzayo abatyali mali kukukholelwa kwelokuba into eyenzekileyo kwakutsha nje kungenzeka iqhubeke. Bacinga ukuba into ebilutyalo-mali olulungileyo kutshanje iseyingxowa mali elungileyo.
34. "Ngalo lonke ixesha uneentlungu, luphawu lokuba kukho into engavumelaniyo."
35. “Abantu abanemikhwa elungileyo yokusebenza kufuneka benze uludwe olubekwe phambili ngokubaluleka, kwaye benza into ekufuneka yenziwe. Ngokwahlukileyo, abantu abanemikhwa emibi yokusebenza basabela phantse ngokungacwangciswanga kwizinto eziza ngendlela yabo, okanye abanako ukwenza izinto ekufuneka bezenzile kuba bengathandi ukuzenza (okanye bengenako ukuzenza).
36. "Lumka umntu okrelekrele onekratshi ophawula evela kwizitendi engakhange adlale emhlabeni."
37. “Ndiyakholelwa ukuba kukho inani elingenasiphelo lemithetho kwindalo iphela kwaye yonke inkqubela okanye amaphupha afezekisiweyo avela ekusebenzeni ngendlela ehambelana nayo. Le mithetho nemigaqo yendlela yokusebenza ngokuvisisana nayo ibisoloko ikho. Basinike le mithetho ngokwendalo. Umntu akazenzanga kwaye akanako ukuyila. Ungathemba ukuba uza kuziqonda kwaye uzisebenzisele ukufumana le nto uyifunayo. '
38. Musa ukuqesha abantu ukuze balungele umsebenzi wokuqala abaza kuwenza; qesha abantu ofuna ukwabelana nabo ngobomi bakho.
39. "Abona bantu bonwabileyo bafumanisa indalo yabo kwaye bathelekisa ubomi babo nayo."
40. "Ukuba awukwazi ukwenza into ngempumelelo, sukucinga ukuba ungabaxelela abanye ukuba kufuneka yenziwe njani."
41. «Umgaqo wokuqala: Cinga ngokwakho ukuthatha isigqibo 1) ukuba ufuna ntoni, 2) yintoni eyinyani, kunye 3) into ekufuneka uyenzile ukufezekisa eyokuqala ekukhanyeni kweyesibini ... kwaye uyenze ngokuthobeka nengqondo evulekileyo ucinga ukuba yeyona ngcinga intle onokuyifumana.
42. Cinga kwaye ukhumbule ukuba ukugxekwa ngokuchanekileyo yeyona mpendulo ibalulekileyo onokuyifumana.
43. "Kubaluleke kakhulu ukwenza izinto ezinkulu kakuhle, kunokwenza izinto ezincinci ngokugqibeleleyo."
44. "Xa kusenzeka ingxaki, qhuba ingxoxo kumanqanaba amabini: 1) umatshini (kutheni eso siphumo senzekile) kunye no-2) kwinqanaba lecala (yintoni ekufuneka uyenzile ngalo)."
45. "Kwiinkampani ezininzi, abantu benza imisebenzi emibini: owona msebenzi wabo kunye nomsebenzi wokulawula ukubonakala kwabanye ngendlela abenza ngayo umsebenzi wabo."
46. "Wayesoyika ukukruquka kunye nokuzimela kakhulu kunokuba esoyika ukusilela."
47. "Abaphathi abangaziqondiyo iindlela ezahlukeneyo zokucinga zabantu abanakuqonda ukuba abantu ababasebenzelayo baya kujongana njani neemeko ezahlukeneyo."
48. “Hlawula umntu, hayi umsebenzi. Jonga ukuba yintoni abantu abakwimisebenzi enokuthelekiswa neziqinisekiso ezinokuthelekiswa kunye namava, yongeza ipremiyamu encinci kuloo nto, kwaye wakhe kwiibhonasi okanye ezinye izikhuthazi ukuze bakhuthazwe ukuba bayisuse ibhola. Ungaze uhlawule ngokusekelwe kwisihloko somsebenzi kuphela.
49. "Abantu abasebenzela wena kufuneka bakucelomngeni rhoqo."
50. "Into oza kuba yiyo iya kuxhomekeka kwimbono yakho."
51. "Ukungabinanto yokufihla kunciphisa uxinzelelo kwaye kwakha ukuzithemba."
52. "Utshintsho olunenzuzo luqala xa ububona kwaye ubamkela ubuthathaka bakho."
53. “Nangona bendiye ndicaphuke kwaye ndikhathazeke ngabantu ngenxa yezigqibo abazithathileyo, ndiye ndafumanisa ukuba abenzi ngabom ngendlela ebonakala ngathi ayinampumelelo; Babezinto eziphilayo ngendlela ababona ngayo, ngokusekwe kwindlela iingqondo zabo ezisebenza ngayo.
54. "Akukho mphathi kulo naliphi na inqanaba onokuba nethemba lokuphumelela ngaphandle kweseti yezakhono zobunjineli bombutho."
55. "Ngokuhamba kwexesha, ndiye ndaqonda ukuba ukoneliseka yimpumelelo akuveli ekufezekiseni iinjongo zakho, kodwa kukulwa kakuhle."
56. "Lumkela iingxelo eziqala ngo" Ndicinga. . . » Kungenxa yokuba umntu "ucinga into" ayenzi inyani. "
57. "Ndabona ukuba obona buthathaka bukhulu babantu ngamacala amandla abo amakhulu."
58. "Amagorha ngokungathandabuzekiyo amava ubuncinci ukusilela okukhulu kuvavanyo nokuba banokomelela na ukubuya balwe ngobukrelekrele nangokuzimisela ngakumbi."
59. "Inyaniso, nayo, iya kukuthumela imiqondiso eqinileyo malunga nokuba imigaqo-nkqubo yakho isebenza kakuhle kangakanani ngokuzivuza okanye ukohlwaya ngokwakho, ukuze ufunde ukuyilungisa ngokufanelekileyo."
60. “Kubonakala kum ukuba ubomi bunamanqanaba amathathu. Kowokuqala, sixhomekeke kwabanye kwaye siyafunda. Okwesibini, abanye baxhomekeke kuthi kwaye siyasebenza. Kwaye kweyesithathu neyokugqibela, xa abanye bengasaxhomekekanga kuthi kwaye kungasafuneki ukuba sisebenze, sikhululekile ukuba sinandiphe ubomi.
61. "Iimpazamo zam ezibuhlungu zitshintshile ekubeni nombono wokuba 'Ndiyazi ukuba ndilungile' ukuya ekubeni 'Ndazi njani ukuba ndilungile?'
62. "Yahlula phakathi kwakho njengomyili womatshini wakho kwaye ube ngumsebenzi kumatshini wakho."
63. "Kulunge ngakumbi kunokuba koyike, kwaye koyikeka kungcono kunaphakathi, kuba ubuncinci ubuncinci kunika incasa ebomini."
64. "Eyona nto ibaluleke kakhulu kukungazi ngekamva, kukwazi indlela yokuphendula ngokufanelekileyo kulwazi olukhoyo kwinqanaba ngalinye ngexesha."
65. "Ndicinga ukuba yonke imibutho ngokusisiseko ineentlobo ezimbini zabantu: abo basebenza ukuba yinxalenye yemishini, kunye nabo basebenzela umvuzo."
66. "Lumkela abantu abaphambanisa iinjongo kunye nemisebenzi, kuba ukuba abakwazi ukwenza lo mahluko, awunakubathemba ngoxanduva."
67. "Kunzima ukufumana abantu, ke qiniseka ukuba ucinga ukuba ubagcina njani."
68. Sukujonga nje umsebenzi wakho; jonga indlela oza kwenziwa ngayo umsebenzi wakho ukuba awusekho.
69. “Imiceli mngeni ojongene nayo iyakukuvavanya kwaye ikomeleze. Ukuba uyasilela, awugqithi kwimida yakho, kwaye ukuba awugqithi kwimida yakho, awuzukukhulisa amandla akho.
70. Imigaqo ziindlela zokujongana ngempumelelo nemithetho yendalo okanye nemithetho yobomi. Abo babaqonda ngakumbi kwaye babaqonde kakuhle bayazi ukuba banxibelelana njani nehlabathi ngokukuko kunabo bangazazi kangako ngazo okanye abazi kakuhle.
71. “Kubo bonke ubomi bethu, sithatha izigidi nezigidi zezigqibo ezisisiseko sokungcakaza, ezinye zinkulu ezinye zincinci. Indlela esenza ngayo kufanelekile ukuba sicinge ngayo kuba zezona zinto ekugqibeleni zichonga umgangatho wobomi bethu.
72. "Njengoko uCarl Jung watsho," Ude uthathe ukuthatha ukungazi, kuya kuqondisa ubomi bakho kwaye uya kubiza ngokuba yi-destiny. " Kubaluleke ngakumbi ukuba ukwenziwa kwezigqibo kuxhomekeke kubungqina kwaye kusengqiqweni xa amaqela abantu esebenza kunye.

Utyala njani imali?

Emva kokufunda amabinzana kaRay Dalio kufuneka sazi ukuba ubeka utyalomali kumanqanaba ahlukeneyo kunye nemigaqo. Olu lutyalomali oluqhelekileyo. Kunganzima, kodwa ikwayindlela efanelekileyo yokufumana imali. Lo mtyali mali wenze uthotho lwamanyathelo okuqonda aqhelekileyo ukwenza umsebenzi ube lula. Babizwa ngokuba "yimithetho-siseko kaRay Dalio" kwaye siza kuthetha ngazo apha ngezantsi.

Inqaku elidibeneyo:

Iingcaphuno zikaWarren Buffett

1. Iimilinganiselo: Inkampani esiza kutyala imali kuyo kufuneka ibenexabiso kwaye ibenenkcubeko yayo, njengoko izakuchaza indlela esebenza ngayo. Iya kuthathelwa ingqalelo ilungile ukuba inkcubeko yayo isekwe elubala, ukukhangela okugqwesileyo kunye nenyaniso.
2. Imvume yokuphosisa: Njengoko sele sibonile kwiibinzana zikaRay Dalio, iimpazamo kufuneka zivunyelwe, kuba kuye ziyinxalenye yovavanyo. Nangona kunjalo, kufuneka bachongwe ukuba bafunde kubo.
3. Khangela inyani: Ngalo mgaqo, ukuthobeka kunye nokuqina kubalulekile kuzo zombini iingqondo zabalawuli nakwinkcubeko yenkampani. Lo mbandela ubonakaliswa ngamabinzana aliqela nguRay Dalio.
4. Ukukhetha abantu abafanelekileyo: Imalunga nokubheja kwiinkampani eziqesha abantu abangaqhelekanga xa kuziwa emsebenzini.
5. Phatha iingxaki: Ukujongana neengxaki, kufuneka uzijonge ngqo kwaye ufumane isisombululo. Iinkqubo mazenziwe kwaye iimpazamo zazo zifunyanwe ukuze kwenziwe isicwangciso esigudileyo, sandise amathuba.
6. Iindleko zamathuba: Ngamanye amaxesha kunokuba yimeko yokuba kukho izisombululo ezibini nangaphezulu kwingxaki ngokusebenza ngokufanayo. Nangona kunjalo, kubalulekile ukufumanisa ukuba loluphi ukhetho olunokubakho olusebenzayo. Ukwenza oku, ukuvavanywa kweendleko zamathuba kuya kusinceda.
7. Yenza izigqibo ezizizo: Nangona kubonakala kucacile, amaxesha ngamaxesha abantu bathabatheka yintshayelelo okanye iimvakalelo, nkqu ngokungazi. Ngesi sizathu, kubalulekile ukuba utyalomali kwezi nkampani zihlalutya iingxaki ngokusesikweni nangokwengqiqo ngokubala ixabiso elilindelekileyo kwimpendulo nganye enokubakho. Oku kuyasebenza nakumtyali mali.

Inqaku elidibeneyo:

UCharlie Munger ucaphula

Ndiyathemba ukuba amabinzana kaRay Dalio ancede ukukhuthaza kwaye adlulisele kuwe ubulumko kunye neengcebiso ekufuneka uziqwalasele xa utyala imali. Ungasixelela amava akho kwizimvo.