Izilinganiso zeCharlie Munger

UCharlie Munger ungutshalomali omkhulu nomngani kaWarren Buffett

Omunye umtshalizimali waseMelika odumile nguCharlie Munger. Ngaphandle kokuba ngumngani nozakwethu wesikhwama sotshalomali uWarren Buffett, uMunger ungomunye wabantu abacebe kakhulu emhlabeni. inani lalo lonke elilinganiselwe njengamanje elinganiselwa ku- $ 2,1 billion. Indaba yakhe ibuhlungu impela futhi ngokuziphatha nokuzikhandla okukhulu ekugcineni ukwazile ukuthola inkululeko yezezimali. Izingcaphuno zikaCharlie Munger zibonisa impilo yakhe enzima nolwazi lwezezimali.

Umuntu okwazile ukuvuka emaphethelweni enxiwa ukuba abe ngomunye wabantu abacebe kunabo bonke abakhona tUnokuhlakanipha okuningi nokuhlangenwe nakho okudlulisayo. Ngakho-ke, kule ndatshana sizokhuluma kancane ngokuthi ngubani lo zimali omkhulu futhi izingcaphuno ezingamashumi ayisikhombisa ezidume kakhulu zikaCharlie Munger.

Izilinganiso ezingama-70 ezidume kakhulu zikaCharlie Munger

Izingcaphuno zikaCharlie Munger zigcwele ukuhlakanipha nolwazi

Ukuhlakanipha lo mdali omkhulu angakudlulisa kungahamba ibanga elide. Ngenxa yemishwana kaCharlie Munger singathola ugqozi nosizo hhayi kuphela umhlaba wezezimali, kodwa futhi nathi uqobo ukuqinisa isiyalo sethu kanye nesifiso sethu sokufunda, Yebo, uyindoda ephucukile evikela ukubaluleka kokuthola ulwazi olusha nsuku zonke. Ngokulandelayo sizobona imishwana engama-70 edume kakhulu kaCharlie Munger.

  1. "Hlala njalo umgwaqo ophakeme, awuhambwa kakhulu ngabantu."
  2. "Into enhle kakhulu umuntu angayenza ukusiza omunye umuntu ukuthi azi kabanzi."
  3. "Khumbula ukuthi idumela nobuqotho kuyizinto zakho ezibaluleke kakhulu, futhi kungalahleka ngokuphazima kweso."
  4. "Thatha umqondo olula bese uwuthathela phezulu."
  5. “Ngiyakholelwa esiyalweni sokwenza kahle kakhulu okutholwe abanye abantu. Angikholelwa ekuhlaleni phansi ngizame ukuphupha konke ngokwakho. Akekho umuntu ohlakaniphe ngale ndlela. "
  6. "Abantu babala kakhulu futhi bacabanga okuncane kakhulu."
  7. "Amaphutha amaningi empilo adalwa ukukhohlwa ukuthi umuntu uzama ukwenzani ngempela."
  8. "Sinamabhasikidi amathathu esizowabeka: yebo, cha futhi kunzima kakhulu ukuwaqonda."
  9. “Uyamdinga umlingiswa ukuze uhlale nayo yonke leyo mali ungenzi lutho. Angifikanga lapho ngikhona, ngilandela amathuba angatheni. "
  10. “Bambuza, Ziyini izimfihlo zempumelelo? impendulo yakhe yathi: Yiba nengqondo ”.
  11. “Ukuze uthole okufunayo, kufanele ufanelwe yilokho okufunayo. Umhlaba awukabi yindawo engasile yokuhlomulisa abantu abaningi abangafanele. "
  12. "Engifuna ukukwazi nje ukuthi ngizofela kuphi futhi angisoze ngaya lapho."
  13. “Ayikho ifomula elilodwa. Udinga ukwazi okuningi ngebhizinisi nobuntu bomuntu nezinombolo… Akunangqondo ukulindela ukuthi kunohlelo lomlingo oluzokwenzela lona ”.
  14. "Angizange nginake imingcele yezindawo zemikhakha yezifundo futhi ngivele ngabamba yonke imibono emihle engingayenza."
  15. "Ukube abantu abangawenzi amaphutha kaningi, besingeke sicebe kangaka."
  16. “Empilweni yami yonke, angikaze ngihlangane nabantu abahlakaniphile (endaweni ebanzi yezihloko) abebengafundi ngaso sonke isikhathi, abekho, o-zero. Uzomangala ukuthi uWarren Buffet ufunda kangakanani nokuthi ngifunda okungakanani. Izingane zami ziyangihleka. Bacabanga ukuthi ngiyincwadi enemilenze emibili ”.
  17. "Uma nje ngiphethe incwadi esandleni sami, angizizwa sengathi ngichitha isikhathi sami."
  18. "Ngizama ukuqeda abantu abaphendula ngokuzethemba imibuzo abangenalo ulwazi lwangempela ngayo."
  19. "Ukulingisa lo mhlambi kumema ukuhlehliswa kwencazelo."
  20. "Imali enkulu ayikho ekuthengeni okuthengiswayo, kodwa ekulindeni."
  21. "Ukuthi uyayithanda akusho ukuthi umhlaba uzokunika yona."
  22. "Sifuna ihhashi elinethuba lokuwina elingama-50% futhi likhokhelwa u-3 kuye ku-1."
  23. “Umthetho wensimbi wemvelo uthi: uthola lokho okukufanele. Uma ufuna kufike izintuthwane ufaka ushukela phansi ”.
  24. "Izikhali ezinhle zokuguga impilo esetshenziswe kahle eyandulelayo."
  25. "I-algorithm enhle okufanele uyikhumbule lapho ubhekene nalesi simo ilula: umqondo noma iqiniso akusadingeki, ngoba nje litholakala kalula kuwe."
  26. "Kungenzeka kanjani ukuthi ezomnotho zingabi isimilo? Uma kungaziphathi kahle, yini isihogo?
  27. "Umbono weBeta nowesimanje awuwenzi umqondo kimi."
  28. "Umona uyisono esiyisiphukuphuku impela ngoba yisona sono ongeke wazijabulisa ngaso."
  29. “Kukhona ubuhlungu obukhulu futhi abukho ubumnandi. Kungani ungafuna ukungena kuleyo moto? "
  30. "Uma ungakuqondi okuyisisekelo, kodwa okungekhona okwemvelo kancane, izibalo zamathuba amancane ku-repertoire yakho, khona-ke uzophila impilo ende njengendoda enomlenze owodwa emncintiswaneni wokukhahlela."
  31. “Uma into inzima kakhulu, sidlulela kokunye. Yini engaba lula kunalokho?
  32. “Thuthukisa ekuzifundeleni impilo yakho yonke ngokufunda okunemikhawulo; hlakulela ilukuluku futhi ulwele ukuhlakanipha kancane nsuku zonke. "
  33. "Lala uhlakaniphile kunangesikhathi uvuka."
  34. "Akudingeki ube nekhono, uhlakaniphe nje kancane kunabanye abafana, ngokwesilinganiso, isikhathi eside."
  35. Thola ukuhlakanipha kwezwe futhi ulungise indlela yakho yokuziphatha ngokufanele. Uma ukuziphatha kwakho okusha kukunikeza ukungathandwa kwesikhashana neqembu lakho lontanga ... bese uya esihogweni nabo. "
  36. "Umehluko phakathi kwebhizinisi elihle nelibi ukuthi elihle ngokuvamile kumele libhekane nezinqumo ezilula kanti nelibi ngokuvamile kufanele libhekane nezinqumo ezibuhlungu."
  37. “Umuntu uzohlala eceba ngokushesha kunawe. Akuyona inhlekelele le ”.
  38. "Ukwazi ongakwazi kuyasiza kakhulu kunokukhalipha."
  39. “Sobabili (uCharlie Munger noWarren Buffett) sigcizelela ukuthi isikhathi sitholakale cishe nsuku zonke ukuze sihlale sicabange. Lokho akuvamile kakhulu ebhizinisini laseMelika. Siyafunda futhi siyacabanga ”.
  40. "Akekho uthisha ongcono kunomlando wokunquma ikusasa ... Kunezimpendulo eziyizigidigidi zamaRandi encwadini yomlando engu- $ 30."
  41. Umthola kanjani umlingani okahle? -indlela enhle kakhulu ukuthi ufanele umlingani okahle ”.
  42. “Sonke siyafunda, siguqula noma sichitha imibono ngaso sonke isikhathi. Ukucekela phansi imibono yakho ngokushesha lapho isikhathi silungile kungenye yezimfanelo ezibaluleke kakhulu ongazithola. Kumele uziphoqe ukuthi ubheke izimpikiswano ngakolunye uhlangothi. "
  43. "Ukuhlanya kwesixuku, ukuthambekela kwabantu, ngaphansi kwezinye izimo, ukufana nezilima, kuchaza ukucabanga kobuwula kwamadoda akhaliphile nokuziphatha kobuwula kakhulu."
  44. “Isibonelo sohlelo olubhekele ngempela uhlelo amaRoma alusebenzisa lapho akha i-arch. Umuntu owadala i-arch wayengaphansi kwayo lapho kususwa iscaffolding. Kufana nokupakisha eyakho ipharashuthi. "
  45. “Gwema izinhlungu; ukuphika ngokwengqondo. Umuntu kumele avume iqiniso yize engalithandi. "
  46. “UWarren ukhuluma ngale mali engenayo enesaphulelo. Angikaze ngimbone enza eyodwa. "
  47. “Bonke abatshalizimali bamasheya, sebebonke, kungenzeka babe nenkinga yokubuyiselwa minyaka yonke elingana nezindleko eziphelele zabathengisi abakhethe ukubathwala ngokuhlanganyela. Leli iqiniso elingenakugwenywa empilweni. Futhi akunakugwenywa ukuthi ncamashi uhhafu wabatshalizimali bathola umphumela ongaphansi komphumela omaphakathi ngemuva kokuthatha abathengisi, imiphumela yabo emaphakathi ingaba phakathi kokuthokozisayo nokuncanyana ”.
  48. “Ukukhohlwa amaphutha akho kuyiphutha elibi kakhulu uma uzama ukuthuthukisa ukuqonda kwakho. Iqiniso alikukhumbuli. Kungani ungazigubhi izinto eziwubulima kuzo zombili lezi zigaba?
  49. “Abatshalizimali abakwazi ukwehlula njalo emakethe. Ngakho-ke, kusizakala kakhulu ngokutshala imali kuphothifoliyo enhlobonhlobo yezimali zezinkomba ezingabizi kakhulu noma (izimali ezithengiselana ngokushintshanisa) ”.
  50. “Isizathu sokuthi sigweme igama elithi 'ukusebenzisana' kungenxa yokuthi abantu ngokuvamile bathi kunezinzuzo eziningi zokubambisana kunokuzayo. Yebo likhona, kepha ziningi kakhulu izithembiso zamanga. IBerkshire igcwele ukusebenzisana, asikubaleki ukusebenzisana, kodwa izimangalo zokusebenzisana. "
  51. "Sizama okuningi ukusizakala ngokukhumbula njalo okusobala, kunokuqonda isoteric."
  52. "Kuyisiphukuphuku indlela abantu abakukhipha ngayo okwedlule hhayi ngesilima kancane, kodwa ngobulima obukhulu."
  53. "Kuyamangaza ukuthi zingaki izinzuzo zesikhathi eside abantu abanjengathi abazizame ngokuzama ukungabi yiziwula njalo, kunokuzama ukuhlakanipha kakhulu."
  54. “Kumele uhlale kulokho engikubiza ngokuthi yisiyingi sakho samakhono. Kufanele wazi ukuthi uqonde ini nokuthi yini ongayiqondi. Akubalulekanga kangako ukuthi umbuthano mkhulu kangakanani. Kepha kubaluleke kakhulu ukuthi wazi ukuthi ipherimitha likuphi ”.
  55. "Sinokuguquguquka okuningi nesiyalo esithile maqondana nokungenzi into ewubuphukuphuku ukuze nje sisebenze, isiyalo sokugwema ukwenza noma yini engenacala ngoba nje ungeke ukwazi ukungasebenzi."
  56. “IBerkshire igcwele abantu abanothando oluyingqayizivele ngamabhizinisi abo. Ngingasho ukuthi uthando lubaluleke ngaphezu komthamo wobuchopho bethu ”.
  57. “Okufana kakhulu yizinkampani ezinkulu ngokujwayelekile ukuthi bathola ukuphatha kakhulu. Futhi-ke, kuyenzeka nakuhulumeni. Futhi, angithandi ubuholi, kudala amaphutha amaningi. "
  58. “Sobabili sigcizelela ukuthi isikhathi sitholakale cishe nsuku zonke ukuze sihlale sicabange. Lokho akuvamile kakhulu ebhizinisini laseMelika. Siyafunda futhi siyacabanga. Ngakho-ke mina noWarren senza ukufunda nokucabanga okuningi kunabantu abaningi abasebhizinisini. "
  59. "Kumele ucabange ukuthi impilo izoba nzima futhi uzibuze ukuthi ungayithatha yini futhi uma impendulo inguyebo, mane umamatheke bese uqhubeka."
  60. "Kufanele ube nentshisekelo enkulu yokwazi ukuthi kungani izinto zenzeka. Le ndlela yokucabanga, ebanjelwe isikhathi eside, ithuthukisa kancane kancane ikhono lakho lokugxila kokungokoqobo. Uma ungenayo le ndlela yokucabanga, uzokwehluleka ngisho noma une-IQ ephezulu. "
  61. “Umqondo wekhasi lokuphepha Umyalo kaGraham awusoze waphelelwa yisikhathi, umqondo wokwenza imakethe inceku yakho awusoze waphelelwa yisikhathi. Umqondo wokuba nenjongo futhi ongenakuguqulwa awusoze waphelelwa yisikhathi. Ngakho-ke uGraham wayenemibono eminingi emangalisayo. "
  62. “Ibhange yibhizinisi elingajwayelekile. Izilingo ezethulwe kumphathi omkhulu we-CEO zokwenza into ewubuwula zinkulu kakhulu ebhange kunezinkampani eziningi. Ngakho-ke, kuyindawo eyingozi yokutshala imali ngoba kunezindlela eziningi zokubhanga ukwenza ikusasa lesikhathi esifushane libukeke lihle ngokuthatha izingozi okungafanele uzithathe ngekusasa lesikhathi eside. Futhi ngakho-ke ukubhenka kuyindawo eyingozi yokutshala imali futhi kukhona okunye okuhlukile. IBerkshire izamile ukukhetha okuhlukile ngangokunokwenzeka. Futhi akukho okunye engingakusho ngaleyo ndaba, ngaphandle kokuthi nginesiqiniseko sokuthi ngiqinisile. "
  63. "Gwema ukusebenza ngqo ngaphansi komuntu ongamthandi futhi ongafuni ukufana naye."
  64. "Ngokwengxenye, impilo ifana nomdlalo we-poker, lapho kufanele ufunde ukuyeka ngezinye izikhathi lapho ubambe isandla esithandekayo, kufanele ufunde ukusingatha amaphutha namaqiniso amasha ashintsha izingqinamba."
  65. "Konke ukutshalwa kwezimali okunobuhlakani kungukutshalwa kwemali yokuthola inani elingaphezulu kwalokhu okukhokhayo."
  66. Ubuchopho bomuntu obungaphelele nobunomkhawulo buguqulwa kalula ukuze busebenze nalokho okutholakala kalula kuye. Futhi ubuchopho abukwazi ukusebenzisa okungakhumbuli noma lapho kuvinjelwe ekuboneni ngoba kuthonywe kakhulu ukuthambekela okukodwa noma okungaphezulu kwengqondo okunethonya elinamandla kukho ... ukwakheka okujulile kwengqondo yomuntu kudinga ukuthi indlela eya ekhonweni okugcwele ngokuphelele kwanoma yiluphi uhlobo ukufunda yonke into ngokushelelayo ukuthi uyayithanda noma cha ”.
  67. “Ngihlangane nezifundiswa ezihlaba umxhwele, ngokwemvelo, ezincwadini, hhayi ekilasini. Angikhumbuli lapho ngiqala ukufunda uBenjamin Franklin. Lapho ngineminyaka eyisikhombisa noma eyisishiyagalombili nganginoThomas Jefferson embhedeni wami. Umndeni wami uzithande zonke lezo zinto: ukuya phambili ngokuyala, ulwazi nokuzithiba.
  68. “Ngihlala ngibona abantu bekhuphuka empilweni abangahlakaniphe kunabo bonke, kwesinye isikhathi kungabi bona abakhuthele kakhulu, kodwa bayimishini yokufunda. Balala ubusuku nobusuku ngokuhlakanipha okuncane kunalokho ababeyikho ngenkathi bevuka futhi lokho kuyasiza, ikakhulukazi uma unendlela ende ephambi kwakho. "
  69. “NjengoWarren, nganginothando olukhulu lokuceba, hhayi ngoba ngangifuna iFerraris, engangikufuna ukuzimela kwami ​​kwezezimali. Bengimfuna kabi. "
  70. “Chitha usuku ngalunye uzama ukuhlakanipha kancane kunangesikhathi uvuka. Usuku nosuku, futhi ekupheleni kosuku, uma uphila isikhathi esanele njengabantu abaningi, uzothola lokho okukufanele empilweni. "

Ngubani uCharlie Munger

UCharlie Munger uyi-philanthropist esebenzayo futhi uthanda isayikholoji

Ngo-1924, umtshalizimali waseMelika uCharlie Munger wazalelwa e-Omaha, eNebraska. Eminyakeni engama-29, unkosikazi wakhe wahlukanisa naye, okwaholela ekulahlekelweni yifa lakhe ngoCharlie Munger. Ngokuyinhloko wasala ngaphandle komndeni wakhe ekhaya ePasadena, eCalifornia. FUTHILo mcimbi umshiye ecishe waphuka. Futhi, ezinyangeni ezimbalwa kamuva, indodana yakhe eneminyaka eyisishiyagalombili ubudala, uTeddy, kwatholakala ukuthi ine-leukemia. Lesi sifo sabangela ukufa kwakhe ngonyaka olandelayo.

Kodwa-ke, uCharlie Munger akazange adikibale ngokuphila futhi Njengamanje ungomunye wabantu abacebe kakhulu emhlabeni, nomlingani wakhe uWarren Buffett. Kungakho imishwana kaCharlie Munger ingathakazelisa ikakhulukazi. Ungumsekeli kamongameli wenkampani iBerkshire Hathaway, ephethe wonke amasheya amaqembu ezinhlangano ezahlukahlukene. Njengomngani wakhe uWarren Buffett, uCharlie Munger naye unikele ngezigidi ezimbalwa ezinhlosweni zosizo.

I-Psychology

Kumele futhi kuqashelwe ukuthi lo zimali omkhulu ungumthandi wezengqondo. Ngaphezu: Ubhale incwadi ebizwa nge "Poor Charlie's Almanack." Kuyo, uhlaziya ukubandlulula okungama-25 okuthonya amandla abantu okwenza izinqumo, kuphazamisa lesi senzo. Esinye isizathu esenza izingcaphuno zikaCharlie Munger zingathakazelisa kakhulu.

Ngokusobala, lokhu kubandlulula kwengqondo okungama-25 kungaba namandla kakhulu uma kukhulunywa ngokuthonya noma ukuncenga umuntu lapho kufanele enze isinqumo. Ngalesi sizathu zisetshenziswe kuwo wonke umlando ukuze bobabili abantu noquqaba yenza izinqumo ezingathathwa njengezingenangqondo. Encwadini, uCharlie Munger ubuye akhulume nge- "Lollapalooza Effect," okuyimiphumela enamandla yokusebenzisa ukubandlulula okuningi ngasikhathi sinye. Lesi senzo sivame ukwandisa amathuba okuthi abantu baziphathe ngokungenangqondo lapho benza izinqumo.

Ngiyethemba imishwana yakho inigqugquzele nobabili emakethe yamasheya, nokuthi nikhule njengabantu. Kuyacaca ukuthi imishwana kaCharlie Munger igcwele ukuhlakanipha neminyaka yesipiliyoni emhlabeni wezezimali nasempilweni uqobo. Ungashiya imibono yakho kumazwana abekiwe.


Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

Amazwana, shiya okwakho

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.

  1.   ULuis Felipe Ortiz Reyes kusho

    Imishwana emihle kakhulu. Bacela ukuzindla.