Iingcaphuno zikaWarren Buffett

Baninzi abatyali mali ababalaseleyo abaphumeleleyo ngokubulela kwiindlela zabo zotyalo-mali, ulwazi kunye nethuku. Enye yezona zibalaseleyo ngokungathandabuzekiyo uWarren Buffett, okwaziwa ngokuba ngumkhulu wotyalo-mali. Okwangoku uyindoda yesine esisityebi emhlabeni, ugqithisiwe nguBernard Arnault, Jeff Bezos noBill Gates. Kutyebile le ndoda kutshanje ngaphezulu kwe-100.000 yezigidigidi zeedola. Akumangalisi ukuba, udumo luye lwanceda ukuqaqambisa iikowuti ezidumileyo zikaWarren Buffett ezinokusinceda ukuba siliqonde ngcono ilizwe, kubandakanya ilizwe lezemali, kwaye lisikhuthaze.

Ukuqonda ngcono ukubaluleka kwale ndoda kwimarike yemasheya kunye nezicatshulwa zayo ezidumileyo, siza kuqala ngokuthetha kancinci ngobomi bakhe kwaye siza kuthi thaca uluhlu lwamabinzana angama-25 adumileyo nguWarren Buffett. Ukuba unomdla kwisihloko, qhubeka ufunda.

Amabinzana angama-25 adumileyo kaWarren Buffett

Enkosi ngomsebenzi wakhe omde kwilizwe lezemali, uWarren Buffett uqokelele iminyaka kunye neminyaka yamava kunye nobulumko. Kungenxa yoko le nto siza kubona ngezantsi amabinzana akhe angama-25 adumileyo Baya kusinceda sizikhuthaze kwaye sikhumbule izinto ezibalulekileyo ukuze siphumelele.

1. Umgaqo wenombolo 1: Musa ukulahlekelwa yimali. Umthetho wenombolo 2: Musa ukulibala umthetho wenombolo 1. »
2. "Amathamsanqa amakhulu awenziwa ngephothifoliyo yama-50 esitokhwe."
3. "Kuya kufuneka sitshale imali ubomi bonke."
4. "Imakethi inceda abo bayaziyo into abayenzayo, kodwa ayibaxoleli abo bangazaziyo."
5. "Akunyanzelekanga ukuba wenze izinto ezingaqhelekanga ukuze ufumane iziphumo ezingaqhelekanga."
6. "Ngeedola ezizigidi kunye 'neengcebiso' ezaneleyo ungonakala ngonyaka."
7. "Kulungile ukufunda kumava akho, kodwa nakwabanye."
8. "Ungaze ubuze umchebi weenwele ukuba sifuna iinwele."
9. "Ukuba sifumana ngaphezulu kwesinye ngonyaka, kungenzeka ukuba siyazihlekisa."
10. "IWall Street ifumana inzuzo yayo kwimisebenzi, kodwa umtyali mali uyifumana ekusebenzeni."
11. «Ebomini kufuneka wenze izinto ezimbalwa kakuhle kwaye uphephe iimpazamo ezinkulu. Kutyalo-mali kuyafana. »
12. "Ukuqonda okuncinci abanye babonisa, kokukhona kufuneka silumke ngakumbi."
13. "Ndiyabawela xa abanye besoyika kwaye ndiyoyika xa abanye benyolukile."
14. "Umtyalomali okrelekrele uphepha ukubawa kwaye uvumela uloyiko ludale ithuba."
15. "Elona xesha lilungileyo lokuthenga ishishini kuxa abanye abantu belithengisa, hayi xa belithenga."
16. "Sukujonga emva. Ungahlala phambili kuphela. Kuninzi kakhulu ngaphambili kangangokuba akukho ngqiqweni ukucinga ngento esinokuyenza. "
17. Utyalomali kufuneka lube nesiseko esisengqiqweni. Ukuba ishishini aliqondwa, kungcono ukuliphepha. »
18. «Ixabiso yinto oyihlawulayo; ixabiso yile nto uyifumanayo. "
19. "Imbali isifundisa ukuba asifundanga kwimbali."
20. "Ukungaqiniseki ngokwenene ngumhlobo womtyalomali wexesha elide."
21. "Awunakho ukuthenga into ethandwayo kwaye ulungile."
22. "Eyona ndlela yokufumana ubutyebi kukungalahli imali."
23. "Isivumelwano esihle asisoloko siyinto elungileyo yokuthenga, kodwa yindawo elungileyo yokukhangela."
24. Kunzima kakhulu ukwenza amakhulu ezigqibo ezifanelekileyo ebomini. Ndikhetha ukubeka ipotifoliyo yam ukuze ndenze nje ezimbalwa kwezi zigqibo zilumkileyo.
25. "Umoya wethu wotyalo-mali uhambelana nobuntu bethu kunye nendlela esifuna ukuphila ngayo."

Ngubani uWarren Buffett

Umtyalomali waseMelika kunye nosomashishini uWarren Edward Buffett wazalwa ngo-Agasti 30, 1930 e-Omaha, e-Nebraska. Namhlanje uthathwa njengomnye wabatyali mali abakhulu emhlabeni. Ukongeza, ungumongameli, i-CEO kunye nomnini zabelo omkhulu waseBerkshire Hathaway, inkampani ebambe zonke izabelo zamaqela oosomashishini ahlukeneyo.

Ngaphandle kokuba eyaziwa ngokuba ngumkhulu wotyalo mali, ukwabizwa ngokuba ngumlomo we-Omaha. UWarren Buffet ngumxhasi wotyalo mali kwixabiso kwaye ngaphandle kobutyebi bakhe obuninzi, uphila ubomi bokuzibamba. Usahlala kwakuloo ndlu wayithengayo edolophini iOmaha ngo-1958 ngeedola ezingama-31.500, XNUMX.

Ukwangumntu owaziwayo kwihlabathi lobubele kwaye wabhengeza ngo-2006 ukuba uzonikela nge-99% yobutyebi bakhe kwiBill and Melinda Gates Foundation, engeyonto ingaphaya kwesiseko sabucala esikhulu esikhoyo. Ngo-2007, imagazini ixesha wamfaka kuluhlu lwabantu abalikhulu abanempembelelo ehlabathini. Esinye isizathu sokuba kutheni kufuneka sibe nomdla kwizicatshulwa zikaWarren Buffett.

Nangona abantu abaninzi beya kucinga ukuba umntu osisityebi kangaka unokuba nemali eninzi kangaka ngelifa okanye iplagi, inyani kukuba ayisiyiyo imeko kaWarren Buffett. Uqale ukusebenza njengenkwenkwana yokuhambisa iphephandaba kwaye wagqibela ngokubonisa umdla kwimithombo yeendaba, apho kamva wenza utyalo-mali lokuqala olunempumelelo. Njengoko wayesebenza, wayefumana isidanga kwisikolo seshishini kwiYunivesithi yasePennsylvania. Ngokonga, uphando lweemarike, kunye notyalo mali olubalulekileyo, uWarren Buffet uphumelele kwisikhundla sakhe njengowesine esisityebi emhlabeni.

Utyalo-mali kwixabiso okanye ukutyala ixabiso

Xa sithetha ngotyalo-mali kwixabiso sibhekisa kwi ifilosofi yotyalo-mali esekwe ekuthengeni ukhuseleko ngexabiso eliphantsi. Kwezi meko kukho umda wokhuseleko, wona ke umahluko obangelwe lixabiso langaphakathi lesabelo kunye nexabiso lentengiso.

Ngokumalunga nexabiso langaphakathi okanye elisisiseko, eli lixabiso elinezabelo ngokwazo. Ingabalwa ngokudibanisa ingeniso yexesha elizayo eveliswe ngokwekhrayitheriya yexabiso langoku. Ngamanye amazwi: Ixabiso langaphakathi lixabiso elithotyiweyo kusasazo lwamva. Kubalulekile ukuba uqaphele ukuba ixabiso langaphakathi elimiselwe kulwabiwo lwexesha elizayo linokubalwa kwaye liqikelelwe ngokwexabiso lokucinga elingahlali lichanekile. Iimeko zoqoqosho kunye neemarike ziyatshintsha kwaye iintshukumo zichaphazeleka kwiimeko ezahlukeneyo ezenzekayo nezinokuthi zingakhange zibonwe kwangaphambili.

Ke ngoko, kuxhomekeke kutyalo-mali kwixabiso, xa ixabiso lentengiso lingaphantsi kwexabiso lesitokhwe, elona xabiso likhulu liya kunyuka kwixa elizayo, xa intengiso iguqula. Zimbini iingxaki ezinkulu xa ulandela le ntanda-bulumko yotyalo-mali:

1. Qikelela ukuba lixabiso elingakanani kwisitokhwe okanye ukhuseleko.
2. Qikelela ukuba ixabiso liya kubonakala nini kwintengiso.

Ndiyathemba ukuba ezi zicatshulwa zikhulu ezivela kuWarren Buffett kunye nebali lakhe likuncede ukuba ukukhuthaze ukuba uqhubeke nokwenza kakuhle kwintengiso yesitokhwe. Ungasishiya nezimvo kunye namava akho kumagqabaza.