Izilinganiso zikaRay Dalio

URay Dalio ungomunye wabatshalizimali abahamba phambili emhlabeni

Omunye wabatshalizimali abaphambili emhlabeni nguRay Dalio. Ungumboni wezigidigidi waseMelika ophisa ubungani futhi umphathi we-hedge fund oneziqu ze-master ku-ADE (Business Administration) Njengamanje inenani elingaphezulu kwamadola ayizigidi eziyizinkulungwane ezingama-20. Ngalesi sizathu kungathakazelisa kakhulu ukufunda imishwana kaRay Dalio.

Uma ufuna ukufunda nokuzikhuthaza ukuqala noma ukuqhubeka nomsebenzi wakho emhlabeni wezezimali, ngincoma ukuthi uqhubeke ufunde. Ukufunda kubatshalizimali abaphambili emhlabeni kungahamba ibanga elide. Ngalesi sizathu esifanayo, kunconywa kakhulu ukuthi ufunde futhi ufake ngaphakathi imishwana emikhulu kaRay Dalio.

Imishwana engu-72 ehamba phambili kaRay Dalio

Imishwana kaRay Dalio iqukethe ukuhlakanipha nolwazi oluningi

Abatshalizimali abakhulu njengoRay Dalio banomlando omude emhlabeni wezezimali. Ngakho-ke, akukaze kube buhlungu ukufunda imishwana yakhe evelele kakhulu, ngoba banolwazi oluningi nokuhlakanipha. Ngokulandelayo sizobona uhlu lwezisho ezingama-72 ezinhle kakhulu zikaRay Dalio:

  1. "Ukungalawulwa yimizwa kusiza ukubona izinto ezingeni eliphezulu."
  2. Ungabi ngumphelelisi, ngoba abaphelelisi bavamisile ukuchitha isikhathi esiningi kakhulu ekwehlukaneni okuncane emaphethelweni besebenzisa ezinye izinto ezinkulu nezibalulekile. Yiba ukungapheleli okuphumelelayo.
  3. “Isikhathi sifana nomfula osiyisa ukuhlangabezana namaqiniso asiphoqayo ukuthi sithathe izinqumo. Asikwazi ukumisa ukuhamba kwethu kulo mfula futhi asikwazi ukukugwema lokho kuhlangana. Singasondela kuphela kubo ngendlela engcono kakhulu.
  4. "Ngikholelwa ukuthi ukuqonda okuhle kuvela ekubhekeni indlela umhlaba osebenza ngayo nokuthola ukuthi ungasebenza kanjani ngokuvumelana nakho ukusiza ukuvela."
  5. "Khumbula ukuthi ungazethembi ngokweqile ekuhloleni kwakho, ngoba kungenzeka ukuthi unephutha."
  6. "Uma ungazicabangela wena ngenkathi uvuleke ingqondo ngendlela ecacile yokuthola ukuthi yini ekufanele kakhulu, futhi uma ungacela isibindi sokwenza kanjalo, uzosebenzisa kakhulu impilo yakho."
  7. "Uma ungaphumeleli, weqa umkhawulo wakho, futhi uma ungeqi umkhawulo wakho, awusebenzi amandla akho."
  8. "Ukulalela abantu abangenalwazi kubi kunokungabi nampendulo."
  9. “Ngifunde ukuthi uma usebenza ngokuzikhandla nangobuciko, ungaba nanoma yini oyifunayo, kodwa hhayi yonke into oyifunayo. Ukukhula yikhono lokwenqaba ezinye izindlela ezinhle zokulandela ezingcono kakhulu.
  10. "Amaphutha ayindlela yokuthuthuka."
  11. «Khetha imikhuba yakho kahle. Umkhuba mhlawumbe uyithuluzi elinamandla kunawo wonke ebhokisini lamathuluzi obuchopho bakho.
  12. "Njalo uma ubhekene nokuthile okubuhlungu, usesikhathini esingaba semqoka empilweni yakho: unethuba lokukhetha iqiniso elinempilo nelibuhlungu noma inkohliso engenampilo kodwa ethokomele."
  13. "Okubaluleke kakhulu ukuthi uthuthukise izimiso zakho bese uzibhala phansi, ikakhulukazi uma usebenza nabanye."
  14. Ungalokothi usho lutho ngomuntu ongeke ukusho ngqo kuye, futhi ungazami ukusola abantu ngaphandle kokubabheka ebusweni. Abantu abakhuluma kabi ngemuva kwakho babonisa ukuntula okukhulu kobuqotho futhi abakhiqizi. Ayivezi noma yiluphi ushintsho oluzuzisayo, futhi ichitheka bobabili abantu obakhathaza ngomlomo kanye nemvelo isiyonke.
  15. “Uma ukwazi ukubuka izinkinga zakho, zihlale zincipha noma zinyamalale, ngoba cishe njalo uthola indlela engcono yokubhekana nazo kunokuthi uma ungazisebenzisi. Lapho inkinga iba nzima kakhulu, kubaluleke kakhulu ukuthi uyigqolozele futhi ubhekane nayo.
  16. “Impilo ifana nomdlalo ofuna ukunqoba kuwo izingqinamba ezikumisile ekufinyeleleni ezinhlosweni zakho. Ukuthuthuka kulo mdlalo ngokwenza. Umdlalo uqukethe uchungechunge lokukhetha olunemiphumela. Awukwazi ukumisa izinkinga nezinketho ukuthi zize kuwe, ngakho-ke kungcono ukuthi ufunde ukubhekana nazo.
  17. "Impumelelo ivela ekwazini ongakwazi, ngaphezu kwalokhu okwaziyo."
  18. "Iseluleko esihle engingakunika sona ukuthi uzibuze ukuthi ufunani, bese ubuza ukuthi" yini eyiqiniso "- bese ubuza ukuthi 'yini okufanele yenziwe ngakho'. Ngicabanga ukuthi uma wenza lokhu uzoshesha kakhulu uye kulokho ofuna ukukuthola empilweni kunalapho ungakwenzi! ».
  19. “Kuwo wonke amaphutha owafunda kuwe, uzokonga izinkulungwane zamaphutha afanayo ngokuzayo, ngakho-ke uma uphatha amaphutha njengamathuba okufunda akhiqiza ukuthuthuka okusheshayo, kufanele uwajabulele. Kepha uma ubaphatha njengezinto ezimbi, uzokwenza wena nabanye bahlupheke, futhi ngeke ukhule.
  20. "Ungakhathazeki ngokubukeka umuhle, khathazeka ngokufinyelela izinhloso zakho."
  21. “Impumelelo ifinyelelwa ngabantu abakuqonda ngokujulile iqiniso futhi abakwaziyo ukuthi bangakusebenzisa kanjani ukuthola abakufunayo. Okuphambene nakho kuyiqiniso: izazi ezingacabangi kahle empeleni zidala izinkinga, hhayi inqubekela phambili.
  22. "Abantu abakhathalela ukubukeka kahle bavame ukufihla lokho abangakwaziyo futhi bafihle ubuthakathaka babo, ngakho-ke abakaze bafunde ukubhekana nabo kahle futhi lobu buthakathaka buhlala buyizithiyo esikhathini esizayo."
  23. "Ukuhlola ukuthi unendaba kakhulu nokubukeka umuhle, bheka ukuthi uzizwa kanjani lapho uthola ukuthi wenze iphutha noma awazi lutho."
  24. "Abantu abadida lokho abakufunayo ngempela nalokho okuyiqiniso ngempela bakha izithombe ezingezinhle ezingokoqobo ezibavimba ekuthatheni izinqumo ezinhle kakhulu."
  25. Funda ongakwazi. Khululeka ngokuqonda amaphutha akho nobuthakathaka bakho.
  26. "Sekuvame kakhulu ukuthi abantu bavumele ukuzazisa kungene endleleni yokufunda."
  27. "Inhlekelele enkulu yabantu ngabantu abanemibono engalungile."
  28. Ungazizwa kabi ngamaphutha akho noma awabanye. Ngiyathanda! Khumbula lokho: kulindeleke; okubili: bayingxenye yokuqala nebaluleke kakhulu yenqubo yokufunda; futhi ezintathu: ukuzizwa kabi ngazo kuzokuvimbela ekubeni ngcono.
  29. "Ukwenza imali ezimakethe, kufanele ucabange ngokuzimela futhi uthobeke."
  30. Lapho ucabanga ngokwengeziwe ukuthi wazi, uyoba nomqondo ovaliwe ngokwengeziwe.
  31. "Uma ucabanga ukuthi kunzima kakhulu, khumbula ukuthi ngokuhamba kwesikhathi, ukwenza izinto ezizokwenza uphumelele kulula kakhulu kunokungaphumeleli."
  32. "Ngaphezu kwakho konke okunye, okuhlukanisa abantu abenza okusemandleni abo kulabo abangekho ukuzimisela ukuzibheka bona kanye nabanye ngendlela efanele."
  33. “Iphutha elikhulu elenziwa ngabatshalizimali ukukholelwa ekutheni okwenzeke esikhathini esedlule kungenzeka ukuthi kuqhubeke. Bacabanga ukuthi okuthile obekungukutshalwa kwemali okuhle esikhathini esedlule kuseseyi-investimenti enhle.
  34. "Njalo uma unezinhlungu, kuyizinkomba zokuthi kukhona okungahambisani nakho."
  35. “Abantu abanemikhuba emihle yokusebenza kumele benze uhlu olubekwa phambili ngokufanele, futhi benza okudinga ukwenziwa. Ngokuphambene nalokho, abantu abanemikhuba emibi yokusebenza basabela cishe ngezikhathi ezithile ezintweni eziza kubo, noma abakwazi ukwenza izinto okudingeka bazenze ngoba abathandi ukuzenza (noma abakwazi ukuzenza). '
  36. "Qaphela isihlakaniphi esizikhukhumezayo esiphawula sivela ezitendeni ngaphandle kokudlala phansi."
  37. “Ngikholwa wukuthi kunenqwaba yemithetho yendawo yonke nokuthi yonke inqubekela phambili noma amaphupho afinyelelwe aqhamuka ekusebenzeni ngendlela ehambisana nawo. Le mithetho nezimiso zendlela yokusebenza ngokuvumelana nayo bekulokhu kukhona. Basinike le mithetho ngokwemvelo. Umuntu akazenzanga futhi akakwazi ukuzisungula. Ungethemba kuphela ukuthi uzoziqonda futhi uzisebenzisele ukuthola okufunayo. '
  38. Musa ukuqasha abantu ukuze balingane nomsebenzi wokuqala abazowenza; qasha abantu ofuna ukwabelana nabo ngempilo yakho.
  39. "Abantu abajabule kakhulu bathola imvelo yabo futhi bafanise impilo yabo nayo."
  40. "Uma ungakwazi ukwenza okuthile ngempumelelo, ungacabangi ukuthi ungatshela abanye ukuthi kufanele kwenziwe kanjani."
  41. «Isimiso sokuqala: Zicabange wena ukunquma 1) ukuthi yini oyifunayo, 2) yini eyiqiniso, no-3) ukuthi yini okufanele uyenze ukufeza okokuqala ekukhanyeni kwesibili ... futhi ukwenze ngokuthobeka nangomqondo ovulekile ukuthi ubheka umcabango omuhle kakhulu ongawuthola.
  42. Cabanga futhi ukhumbule ukuthi ukugxekwa okunembile kuyimpendulo ebaluleke kakhulu ongayithola.
  43. "Kubaluleke kakhulu ukwenza izinto ezinkulu kahle, kunokwenza izinto ezincane ngokuphelele."
  44. "Uma kwenzeka inkinga, qhuba ingxoxo emazingeni amabili: 1) izinga lomshini (kungani lo mphumela wenzekile) no-2) ileveli esezandleni (okufanele ukwenze ngayo)."
  45. "Ezinkampanini eziningi, abantu benza imisebenzi emibili: umsebenzi wabo wangempela nomsebenzi wokuphatha imibono yabanye yokuthi bawenza kanjani umsebenzi wabo."
  46. "Ubesaba nesithukuthezi nokungahambi kahle kakhulu kunokwesaba ukwehluleka."
  47. "Abaphathi abangaqondi izitayela ezahlukene zokucabanga zabantu abakwazi ukuqonda ukuthi abantu ababasebenzelayo bazobhekana kanjani nezimo ezehlukene."
  48. “Khokhela umuntu, hhayi umsebenzi. Bona ukuthi abantu abenza imisebenzi eqhathanisekayo abanesipiliyoni nokuhlangenwe nakho abakwenzayo, engeza imali encane kulokho, bese wakhela kumabhonasi noma kwezinye izinzuzo ukuze bakhuthazwe ukususa ikhava ebholeni. Ungalokothi ukhokhe ngokususelwa kusihloko somsebenzi uwedwa.
  49. "Abantu abakusebenzelayo kumele bakuphonsele inselelo njalo."
  50. "Lokho ozoba yikho kuzoya ngombono wakho."
  51. "Ukungabi nalutho olufihlayo kuqeda ingcindezi futhi kwakha ukuzethemba."
  52. "Ushintsho oluzuzisayo luqala lapho ukwazi nokubona ubuthakathaka bakho."
  53. “Yize bengikade ngithukuthele futhi ngikhungatheke ngabantu ngenxa yezinqumo abazithathayo, ngithole ukuthi bebengenzi ngamabomu ngendlela ebukeka sengathi ayinamphumela; Beziphila nje ngendlela abazibona ngayo, kuya ngokuthi ubuchopho babo busebenza kanjani.
  54. "Ayikho imenenja kunoma yiliphi izinga engathemba ukuthi izophumelela ngaphandle kwekhono lobunjiniyela bezinhlangano."
  55. "Ngokuhamba kwesikhathi, ngabona ukuthi ukwaneliseka empumelelweni akuqhamuki ekufinyeleleni imigomo yakho, kodwa ngokulwa kahle."
  56. "Qaphela izitatimende eziqala ngokuthi" ngicabanga. . . » ngoba omunye umuntu "ucabanga okuthile" akwenzi iqiniso. "
  57. "Ngabona ukuthi ubuthakathaka obukhulu babantu izinhlangothi zamandla abo amakhulu."
  58. "Amaqhawe nakanjani ahlangabezana nokuhluleka okukodwa okukhulu okuhlola ukuthi banamandla yini okubuya futhi balwe ngobuhlakani nangokuzimisela okukhulu."
  59. "Iqiniso nalo lizokuthumelela izimpawu ezinamandla zokuthi izimiso zakho zisebenza kahle kangakanani ngokukuvuza noma ngokukujezisa, ukuze ufunde ukuzilungisa kahle."
  60. “Kimi kubukeka sengathi impilo inezigaba ezintathu. Esokuqala, sincike kwabanye futhi siyafunda. Kowesibili, abanye bathembele kithina futhi siyasebenza. Kowesithathu nowokugcina, lapho abanye bengasanciki kithi futhi kungasafanele sisebenze, sikhululekile ukujabulela impilo.
  61. "Amaphutha ami abuhlungu aguquke ekubeni nombono wokuthi 'ngiyazi ukuthi ngilungile' kuya ekubeni nombono wokuthi 'Ngazi kanjani ukuthi ngilungile?'
  62. "Hlukanisa phakathi kwakho njengomklami womshini wakho nawe njengesisebenzi ngomshini wakho."
  63. "Okukhulu kungcono kunesabekayo, futhi okwesabekayo kungcono kune-mediocre, ngoba okungenani okubi kunika ukunambitheka empilweni."
  64. "Okubaluleke kakhulu ukungazi ikusasa, bekuwukwazi ukuthi kufanele sisabele kanjani ngokufanelekile kulwazi olutholakala ngesikhathi ngasinye ngesikhathi."
  65. "Ngicabanga ukuthi zonke izinhlangano zinezinhlobo ezimbili zabantu: labo abasebenza ukuba yingxenye yemishini, nalabo abasebenzela ukukhokhelwa."
  66. "Qaphela abantu abadida imigomo nemisebenzi, ngoba uma bengakwazi ukwenza lowo mehluko, ngeke ubathembe ngemithwalo yemfanelo."
  67. "Kunzima ukuthola abantu, ngakho-ke qiniseka ukuthi ucabanga ukuthi ungabagcina kanjani."
  68. Musa nje ukunaka umsebenzi wakho; naka ukuthi umsebenzi wakho uzokwenziwa kanjani uma ungasekho.
  69. “Izinselelo obhekene nazo zizokuvivinya ziphinde zikuqinise. Uma uhluleka, awweqi umkhawulo wakho, futhi uma ungeqi umkhawulo wakho, awusebenzi amandla akho.
  70. Izimiso ziyizindlela zokubhekana ngempumelelo nemithetho yemvelo noma nemithetho yokuphila. Labo abaziqonda kangcono futhi baziqonde kahle bazi ukuthi bangaxhumana kanjani nomhlaba ngempumelelo kakhulu kunalabo abazi kancane ngabo noma ababazi kancane.
  71. “Ezimpilweni zethu zonke, senza izinqumo eziyizigidi nezigidi empeleni eziwukugembula, ezinye ezinkulu nezinkulu. Ukuthi sikwenza kanjani kufanelekile ukucabanga ngakho ngoba yikho ekugcineni okunquma ikhwalithi yezimpilo zethu.
  72. "Njengoba uCarl Jung asho," Kuze kube yilapho uthatha ukungazi, kuzokuqondisa impilo yakho futhi uzokubiza ngokuthi ukudalelwa. " Kubaluleke nakakhulu ukuthi ukuthatha izinqumo kususelwa ebufakazini futhi kunengqondo lapho amaqembu abantu esebenza ngokubambisana.

Ubeka kanjani imali?

Izimiso zikaRay Dalio zokutshala izimali zikusiza ukuthi utshale imali ngendlela enengqondo

Ngemuva kokufunda imishwana kaRay Dalio kumele sazi ukuthi usekela utshalomali lwakhe ezinyathelweni nasezimisweni ezihlukile. Lokhu ngokuvamile kungukutshalwa kwemali okunengqondo. Kungaba nzima, kepha futhi kuyindlela engcono kakhulu yokwenza imali. Lo zimali omkhulu idale uchungechunge lwezinyathelo zomqondo ezijwayelekile zokwenza umsebenzi ube lula. Babizwa ngokuthi "imigomo kaRay Dalio yokutshala imali" futhi sizoxoxa ngayo ngezansi.

I-athikili ehlobene:
Izilinganiso zeWarren Buffett
  1. Amanani: Inkampani esizotshala kuyo kumele ibe namagugu ngisho nesiko layo, njengoba izocacisa indlela yayo yokusebenza. Kuzobhekwa njengokuhle uma isiko layo lincike ekubonakaleni, ekufuneni okuhle kakhulu neqiniso.
  2. Imvume yokungalungile: Njengoba sesibonile emibhalweni eminingi kaRay Dalio, amaphutha nawo kufanele avunyelwe, ngoba kuyena ayingxenye yokuhlolwa. Kodwa-ke, kufanele babonakale ukuze bafunde kubo.
  3. Sesha iqiniso: Ngalesi simiso, ukuthobeka nokuqina kubaluleke kakhulu engqondweni yabaqondisi nasesikweni lenkampani. Lesi sici siboniswa emabintana amaningana kaRay Dalio.
  4. Ukukhetha abantu abafanele: Imayelana nokubheja ezinkampanini eziqasha abantu abangajwayelekile uma kuziwa emsebenzini.
  5. Phatha izinkinga: Ukubhekana nezinkinga, kufanele uzibheke ngqo bese uthola isisombululo. Amasistimu kumele aklanywe futhi kutholakale amaphutha awo ukuze kwakheke uhlelo olubushelelezi, kwandise amathuba.
  6. Izindleko zamathuba: Kwesinye isikhathi kungahle kube ukuthi kunezixazululo ezimbili noma ngaphezulu zenkinga ngokusebenza kahle okufanayo. Kodwa-ke, kuyadingeka ukunquma ukuthi iyiphi yezinketho esebenza kahle kakhulu. Ukwenza lokhu, ukuhlolwa kwezindleko zamathuba kuzosisiza.
  7. Yenza izinqumo ezinengqondo: Yize kubonakala kusobala, ezikhathini eziningi abantu bathathwa umuzwa noma imizwa, ngisho bengazi. Ngalesi sizathu, kubalulekile ukuthi utshale imali kulezo zinkampani ezihlaziya izinkinga ngokunengqondo nangokunengqondo ngokubala inani elilindelekile ngempendulo ngayinye engaba khona. Lokhu kusebenza nakumtshalizimali.
I-athikili ehlobene:
Izilinganiso zeCharlie Munger

Ngiyethemba ukuthi imishwana kaRay Dalio ikusizile ukukukhuthaza futhi ikudlulisele ukuhlakanipha nezeluleko ezibalulekile okufanele uzicabangele lapho utshala imali. Ungasitshela isipiliyoni sakho kumazwana abekiwe.


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

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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.