Ubutyebi obukhulu kwimarike yemasheya: eminye imizekelo

ubutyebi kwimarike yemasheya

Uqoqosho lotyalo-mali luzisa uninzi lwabantu abaqhelekileyo ngengqondo Baye baphela njengoosozigidi ngotyalo-mali lwakho lwezemali. Ewe azikho ninzi, kodwa kufanelekile ukuba kujongwe kuyekwe kwindlela abafikelele ngayo kula manqanaba obutyebi bezoqoqosho. Kwiimeko ezininzi, eyona inomdla kwezi imizekelo kukuba yenziwe yasesikweni ngexesha elifutshane ngokukodwa. Banokuba yimizekelo yabanye babatyali mali abancinci.

Kucacile ukuba ngentengiso yemasheya unokufumana okuninzi, kodwa imali eninzi. Kukho amanani athile avela kwizimali eziphezulu ukuqaqambisa le meko ephawulwe ziimarike zezemali. Ukuya kwinqanaba lokuba bengaphelelanga kuphela kwimarike yemasheya, kodwa kwi ezinye iimarike ezizezinye (izitye ezixabisekileyo, izinto zokwenza imveliso, iimali, njl. Kwaye kwimeko ekhethekileyo kakhulu kwingeniso emiselweyo.

Asikuko malunga nokufumana imbuyekezo ephezulu kulondolozo olugcinwe ngexesha lomsebenzi. Yinto engaphaya nangaphezulu. Kuya kuba yenye ye abantu abaneempembelelo kwihlabathi Ngokusebenza kwiimarike ezahlukileyo zemali. Ngumceli mngeni ongenakufikeleleka kubantu abaqhelekileyo. Ngaba awucingi ngokufanayo? Ewe, siza kukubonelela ngemizekelo eya kwenza ukuba ubonakalise kwiziphumo ezinokuthi ziveliswe lihlabathi lotyalo-mali.

Iithamsanqa: I-Soros inkulu yotyalo-mali

Ukuba kukho umlinganiswa oqaqambileyo kutyalo-mali, ayikho enye ngaphandle kuka-billionaire ozelwe wase-Hungary uGeorge Soros. Ubomi bakho abuchithwanga ukusukela oko wenze iidola ezimbalwa kurhwebo lwakho lokuqala kwiimarike ze-equity. Nangona iyaziwa ngento ethile, yindlela endifumana ngayo izigidi ezininzi ukulahla iponti entle kwiminyaka engama-90. Umsebenzi ongaqhelekanga kodwa lowo wamzisela inxalenye yobutyebi bakhe bangoku.

Ewe, ibali lezezimali uSoros lishwankathelwe apho abeka khona imali yakhe yindawo evelisa inzuzo ekhuselekileyo. Ngaba uyazi ukuba loluphi olunye lweentshukumo zakhe zamva nje? Ngokuqinisekileyo uya kuyiphosa into, kodwa inyani kukuba kulo nyaka uzinikele kuye Thenga igolide kwaye uthengise ibhegi yaseMelika.

Ngokwengxelo yekota yokuPhathwa kweNgxowa-mali yeSoros, imoto yotyalo mali, unciphise utyalo-mali lwayo kwii-equity zase-US ngama-37% Ngelixa evuma ukuba uliphindaphinde ukubheja kwakhe ngokuchasene nesalathiso se-S & P 500. Kodwa imisebenzi yakhe khange ihlale kule ntshukumo. Ikwathengile isigidi sezigidi ezingama-264 zeedola koyena mvelisi wehlabathi omkhulu, iBarrick Gold Corporation.

Ewe kunjalo, isicwangciso ekufuneka sisilandele siqulathe phinda-phinda intshukumo yetyikon yaseNyakatho Melika kwaye ulinde i-akhawunti ukuba inyuse iye kumanqanaba aphezulu. Ngaba ukulungele ukulingisa isicwangciso-mali sabo? Ayizukuba ngumbono ombi ngokuxhomekeke kwimpumelelo oyifumeneyo kwiimarike zezemali ezahlukileyo. Ukonyusa ngakumbi nangakumbi ubutyebi obungenakuthelekiswa nanto ababuqokeleleyo kwiminyaka yakhe emininzi njengomtyali mali oqeqeshiweyo.

UWarren Buffet, usuka kwivenkile yokutya ethobekileyo ukuya kwisigidigidi

ibuffet

Elinye igama elibonisa oku khetha iklabhu yabatyali mali yenye yelogul yezemali. Kule meko phantsi kwebali elahluke kakhulu, kodwa ngokulinganayo kuyacetyiswa kwaye kuyafundisa. Akumangalisi ukuba, injongo yakhe eneminyaka eyi-12 yayikukuba ngusozigidi. Akukho nto ingaphantsi, akukho okunye. Kwaye wathetha wenza, esemncinci wanyusa utyalomali lwakhe lokuqala kunye nodade wabo. Ngokukodwa ngokuthatha inxaxheba ngokuthobekileyo kwezabelo ezihlanu zeeNkonzo zeZixeko ezikhethiweyo.

Ukusukela ngoku ukuya phambili ngekhe kubekho mida ekusebenzeni kwayo kwiimarike ze-equity. Ukulinganisa inkqubela yakho kwiimarike zezemali, inqaku elinye lolwazi. Phakathi kowe-1956 nowe-1969 Inzuzo yayo yafikelela kwinani eli-3.000%. Ukwenza inkampani emiselwe ukutyala ixabiso. Ngempumelelo enkulu kwaye ukusukela ngoko ifumene i-avareji yenzuzo yonyaka eye yasondela kwi-25%. Ayizizo izixa-mali ezihamba nazo ezemali.

Nokuba ngumcebisi kuMongameli wase-United States, u-Barack Obama. Ukuba, nangayiphi na imeko, Olunye lweempawu zomsebenzi wenani elikhulu labatyali mali, apho unokuba ngokwakho. Ukuthobela zonke iingcebiso zabo, kungekuphela kwintengiso yemasheya, kodwa kuzo zonke iimarike zezemali. Kubandakanya kunjalo ingeniso emiselweyo. Apho ikwakho notyalo-mali olukhulu ngokusebenza okukhulu kwityala loluntu, iibhondi okanye ezinye iimveliso ezineempawu ezifanayo.

Usozigidi ovela kumagumbi okufundela

Liyachulumancisa ngokwenene ibali lomnye woosozigidi begagasi elitsha. Le yityendyana elinetyala elithe laxelwa yiNew York Magazine. Mohammed Islam, Yiloo nto abizwa ngayo lo mfundi unesiphiwo semizekelo yangaphambili. Ukuya kwinqanaba lokufezekisa ibuyisela kwimali oyigcinileyo malunga neepesenti ezingama-200 ngonyaka.

Wenze uluhlu lwamanani angama-20 anempembelelo eWall Street, kodwa engaphantsi kweminyaka engama-20 ubudala. Isicwangciso sakhe sotyalo-mali ngokuqinisekileyo sinomdla kwaye siyintsusa. Ayothusi into yokuba wayethanda ukudlala ikamva legolide kunye neoyile. Kodwa yenza ukuba iimarike zamashishini ezingenanzala emtsalane zikhetheke ngakumbi xa ezinye izinto zingasebenzi kakuhle. Malunga nokuhamba kwakhe, ubhengeze ukuba uyathanda ukusebenza nokungazinzi okufakwe kwiimarike zezemali. Kodwa ngaphezulu kwayo yonke imisebenzi emininzi.

Ukusuka kumtyali mali ukuya kubhanki

abatyalo-mali

Elinye lawona magama abalulekileyo abantu abaye baba ngusozigidi ngokusebenza kwiimarike zesitokhwe yile yegunya laseIndiya uRam Bhavnani. Ngokuqinisekileyo igama lakho livakala liqheleke ngakumbi kuwe ngenxa yokuba ungomnye wamaqabane ebhentshini leziko lezemali leBankinter. Ubalise amava akhe amnandi ngencwadi apho abalisa ngenkqubo yencwadi yakhe Iveza indlela yokuguqa I-600 yezigidi zeerandi kwiminyaka engamashumi amabini.

I-mogul yezemali yaseAsia inikezela ngeyona ndlela ibalaseleyo yokupheka ukuze ulandele umzekelo wakhe kwaye ube sisityebi kakhulu kwiminyaka embalwa. Nangona iqhinga lakhe, kule meko, liqhubeka ukungatyali imali kwixesha elifutshane kakhulu. Ayothusi into yokuba icebo alicebisayo lixhomekeke kubulumko nokuzola. Ukusuka kolu luvo, alithandabuzeki elokuba ujongene nemodeli yotyalo-mali eneprofayili elondolozayo ngakumbi kunosozigidi bangaphambili ababalaseleyo.

Esinye isitshixo sempumelelo kwilizwe lotyalo-mali, ngokoluvo lwakhe, kukungakhathalelwa naziphi na iimeko phantsi kovuyo. Kwaye yenza nengcebiso enokuba luncedo kakhulu kwimidla yakho. Ayikho enye ngaphandle musa ukuxabisa iinkampani zedotcom. Nangona kunjalo, iyangqubana nembono yamandla amaninzi athabatha izikhundla kweli candelo ukuze abe sisityebi ngokukhawuleza.

UBenjamin Graham, utitshala kaWarren Buffet

Kolu luhlu lwabatyali mali abakhethiweyo, inkosi yoosozigidi bexesha elizayo, kubandakanya uWarren Buffet, ngekhe kwaye akufuneki abekho. Akukho namnye ngaphandle kwale inkosi yentengiso yemasheya evela kwihlabathi liphela. Kule meko, iphawulwa ngokubonelela ngombono othile kwiimarike zemali. Akumangalisi ukuba esona sicwangciso sisetyenzisiweyo sokuqokelela ubutyebi bakho busekwe kuhlalutyo olusisiseko lweasethi yezemali.

Kodwa ngaphezu kwako konke ngophando olunzulu lwamaxabiso asetyenziswa ngabaphathi beyona mali-mali ilungileyo. Uza namava akhe ekuthwaleni ekuboneleleni ngezindululo ezibalulekileyo. Enye yazo ilele Thenga izabelo zeenkampani ezinamaxabiso angaphantsi kwexabiso leencwadi. Into eyintsusa enokukunika olunye uluvo ukuba ungqinelana nale ndlela eyodwa yokwenza zonke iiasethi zibe nenzuzo.

Amaqhinga abatyali mali abakhulu

buchule

Njengoko sele ubonile, unemizekelo yazo zonke iiprofayili kunye nazo zonke izinto ozithandayo. Unokufumana uninzi lweembono kwizifundo zakhe kwilizwe lemali. Ayisetyenziswa kuphela kwimarike yemasheya kodwa nakwezinye iimarike zezemali. Kwaye sele ubeke, nakwizinto ezininzi ezahlukileyo nezicebisa ngezinto zexabiso. Kuphela yinjongo ecace gca, ekungekho enye into ngaphandle kokuba ufane nomnye wabalinganiswa abahlukileyo. Iimodeli zokuphumeza ngokuqinisekileyo aziyi kuphoswa.

Ngexesha elifutshane uya kuba ugqithile kwezona zininzi iindlela ezahlukileyo zotyalo-mali. Ukutyala imali kwixesha elide, ukuyenza ngeentshukumo eziya ezantsi, ukuqikelela kwixesha elifutshane okanye ukuya kwezinye iimarike ezizezinye zezigqibo ezingakhange ziveliswe ngabalinganiswa. Ngoku kufuneka ucinge ngemizekelo yabo ukuze uzilungelelanise nendlela yakho yotyalo-mali. Umsebenzi onzima olindele wena ukusukela ngoku. Kwaye kukuba omnye wabalinganiswa abadumileyo abapasileyo wathi "ukuba ngusozigidi akusilo lula, ngokuchaseneyo".

Esinye isifundo esinokufundwa kula mava kukuba amathuba oshishino aveliswa ngawo onke amaxesha. Nditsho nakwezona meko zingathandekiyo onokuyicinga. Kufuneka ube nesigqibo esincinci, kwaye ngakumbi uninzi, uninzi, imali eninzi. Ngokuya kubaninzi ngokuya kubamnandi. Okokugqibela, iya kuba sesinye sezona zitshixo zisebenzayo zokufezekisa le njongo, igcinelwe kuphela iqela elikhethiweyo.


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