Inhlanhla enkulu emakethe yamasheya: ezinye izibonelo

inhlanhla emakethe yamasheya Izwe lokutshala imali liletha abantu abaningi njengabantu abajwayelekile ngomqondo wezomnotho bagcine bengosozigidi ngotshalo-mali lwakho lokulingana. Vele azikho eziningi, kepha kufanele ukunakwa kumiswe ukuthi bafinyelele kanjani kulezi zinga lokuchichima komnotho. Ezimweni eziningi, ukwazi kunakho konke kwalokhu izibonelo ukuthi yenziwe ngokusemthethweni ngesikhathi esifushane ikakhulukazi. Bangaba yizibonelo kwabanye babatshali zimali abancane.

Kuyacaca ukuthi ngemakethe yamasheya ungathola imali eningi, kepha imali eningi. Kunezibalo ezithile ezivela kwezezimali eziphezulu ukugqamisa lesi simo ezimakethe zezimali esiziphawulile. Kuze kube seqophelweni lokuthi bengakhawulelwe kuphela emakethe yamasheya, kepha kuye ezinye izimakethe ezihlukile (izinsimbi eziyigugu, izinto zokusetshenziswa, izimali, njll.). Kwezinye izimo ezikhetheke kakhulu emholweni ohleliwe.

Akukhona ukuthola imbuyiselo ephezulu kulondolozo olondolozwe ngesikhathi somsebenzi impilo yonke. Kuyinto edlula ngokwedlulele. Kufanele ube ngomunye we abantu abanethonya kakhulu emhlabeni ngokusebenza ezimakethe ezehlukene zezezimali. Impela inselelo engafinyeleleki kubantu abavamile. Awucabangi okufanayo? Hhayi-ke, sizokunikeza ngezibonelo ezithile ezizokwenza ucabange ngemiphumela umhlaba wezotshalomali ongayenza.

Izinhlanhla: I-Soros isikhulisi sokutshala imali

Uma kunomlingiswa ogqamile kutshalo-mali, akekho omunye ngaphandle kuka-billionaire owazalelwa eHungary uGeorge Soros. Impilo yakho ayichithwa njengoba wenze amadola ambalwa ekuhwebeni kwakho kokuqala ezimakethe zezimali. Yize uma yaziwa ngokuthize, yindlela engihola ngayo izigidi eziningi ukulahla iphawundi elihle kakhulu ngeminyaka yama-90. Ukusebenza okungajwayelekile kodwa okwamlethela ingxenye yengcebo yakhe yamanje.

Indaba yezezimali uSoros ifingqiwe ngokuthi lapho ebeka khona imali yakhe yindawo ekhiqiza inzuzo ephephile. Uyazi ukuthi yikuphi ukunyakaza kwakhe kokugcina okube yikho? Impela kukhona okuzokuphutha, kepha iqiniso ukuthi kulo nyaka uzinikele kuwo thenga igolide futhi uthengise isikhwama saseMelika.

Ngokusho kokuvalwa kwamakota amathathu kweSoros Fund Management, imoto yotshalomali usozigidi, yena inciphise utshalomali lwayo emalini yase-US ngama-37% ngenkathi evuma ukuthi ukubheje kwakhe kuphindwe kabili kunenkomba ye-S & P 500. Kepha ukusebenza kwakhe akuhlalanga kule nhlangano. Iphinde yathenga amasheya ezigidi ezingama- $ 264 kumakhiqizi omkhulu kunabo bonke emhlabeni, iBarrick Gold Corporation.

Vele, isu lokulandela liqukethe phinda ukunyakaza kwesigwili saseNyakatho Melika bese ulinda i-akhawunti ukuthi inwebele kumaleveli aphezulu. Ngabe uzimisele ukulingisa isu labo lokutshala imali? Ngeke kube ngumqondo omubi kuye ngempumelelo oyitholile ezimakethe zezimali ezahlukahlukene kakhulu. Ukhulisa ngokwengeziwe umcebo omangalisayo awuqongelele eminyakeni yakhe eminingi njengomtshalizimali osezingeni eliphezulu.

UWarren Buffet, usuka egilosa enesizotha uye kuzigidigidi

isinkwa Elinye igama elikhombisa lokhu khetha iklabhu labatshalizimali abakhulu lokho kungenye yezinkinga ezinkulu zezezimali. Kulokhu ngaphansi kwendaba ehluke kakhulu, kepha isikisela ngokulinganayo futhi iyafundisa. Akumangalisi ukuthi inhloso yakhe eneminyaka engu-12 kwakuwukuba ngusozigidi. Akukho okungaphansi, akukho okunye. Futhi wathi futhi wenza, esemncane wanyusa utshalomali lwakhe lokuqala nodadewabo. Ngokuqondile, ngokubamba iqhaza okulingene kwamasheya amahlanu nje kuphela we-Cities Services Preferred.

Kusukela manje kuqhubeke ngeke kube nemikhawulo ekusebenzeni kwayo ezimakethe zezimali. Ukukala intuthuko yakho ezimakethe zezezimali, ucezu olulodwa kuphela lolwazi. Phakathi kuka-1956 no-1969 inzuzo yayo ifinyelele kwisibalo esikhungathekisayo esingu-3.000%. Ukwakha inkampani ehloselwe ukutshalwa kwezimali kwamanani. Ngempumelelo enkulu futhi kusukela lapho izuze inzuzo emaphakathi yonyaka esondele kuma-25%. Akukubi ngamanani le mali ehamba nayo.

Ngisho eba ngumeluleki kaMongameli wase-United States, uBarack Obama. Ukuba, noma kunjalo, esinye sezilinganiso zezenzo zenani elikhulu labatshalizimali, lapho ungaba phakathi kwakho. Ukulalela zonke izeluleko zabo, hhayi kuphela emakethe yamasheya, kodwa kuzo zonke izimakethe zezezimali. Kubandakanya nemali engenayo engaguquki. Lapho kubuye kube ngumtshali zimali omkhulu ngokusebenza okukhulu ezikweletini zomphakathi, amabhondi noma eminye imikhiqizo enezici ezifanayo.

Usozigidi ovela emakilasini

Okuthokozisa kakhulu futhi kuyindaba yomunye wososozigidi begagasi elisha. Kulokhu kumayelana nensizwa icala layo elibikiwe yiNew York Magazine. UMahammad Islam, okuyikho okubizwa ngalo mfundi onesiphiwo sezibonelo zangaphambilini. Kufike ezingeni lokuzuza ibuyisela kulondolozo lwakho cishe ngama-200% minyaka yonke.

Wenze uhlu lwabantu abangama-20 abanethonya elikhulu eWall Street, kepha ongaphansi kweminyaka engama-20 ubudala. Isu lakhe lokutshala imali linelukuluku futhi elangempela. Akumangalisi ukuthi wayethanda ukudlala kwakuyi ikusasa legolide nelikawoyela. Kepha futhi kwenza izimakethe zamasheya zithandeke ikakhulukazi lapho okuphuma kokunye kungasebenzi kahle. Mayelana nokunyakaza kwakhe, umemezele ukuthi uyathanda ukusebenza nokuguquguquka okufakwe ezimakethe zezezimali. Kepha ngaphezu kwakho konke ngokusebenzisa imisebenzi eminingi.

Kusuka kumtshali-zimali kuya kumbhange

abatshalizimali Elinye lamagama abaluleke kakhulu labantu asebephenduke usozigidi ngokusebenza ezimakethe zamasheya yilelo likaRam Bhavnani onamandla waseNdiya. Impela igama lakho lizwakala lijwayeleka kuwe ngoba ubungomunye wabalingani bokulinganisa besikhungo sezimali seBankinter. Ulandise okuhlangenwe nakho kwakhe okujabulisayo ngencwadi lapho etshela inqubo incwadi yakhe ayisebenzisayo iveza ukuthi ungaguqa kanjani Ama-euro ayizigidi ezingama-600 eminyakeni engamashumi amabili.

Isazi sezimali sase-Asia sinikeza izindlela zokupheka zokutshala imali ezingcono kakhulu ukuze ukwazi ukulandela isibonelo sakhe futhi ucebe kakhulu eminyakeni embalwa. Yize isu lakhe, kuleli cala, lidlula ukungatshali imali esikhathini esifushane kakhulu. Akumangalisi ukuthi isu aliphakamisayo lisuselwa ekuhlakanipheni nasekuzoleni. Ngokwalo mbono, akungabazeki ukuthi ubhekene nemodeli yabatshalizimali enephrofayili elondolozayo kakhulu kunosozigidi abadumile bangaphambili.

Esinye isihluthulelo sempumelelo ezweni lotshalo-mali, ngokombono wakhe, silele ekutheni singathatheki kunoma yisiphi isimo ngaphansi kwezimo ezijabulisayo. Futhi futhi yenza isincomo esingaba wusizo olukhulu kuzintshisekelo zakho. Akuyona enye ngaphandle kokuthi ungazilinganisi izinkampani ze-dotcom. Kodwa-ke, ishayisana nomqondo wabantu abaningi abanamandla abathatha izikhundla kulo mkhakha ukuze bacebe ngokushesha okukhulu.

UBenjamin Graham, uthisha kaWarren Buffet

Kulolu hlu lwabatshalizimali abakhethwe kakhulu, umphathi woosozigidi besikhathi esizayo, kufaka phakathi uWarren Buffet, akakwazi futhi akufanele abe khona. Akekho omunye ngaphandle kwale nkosi yemakethe yamasheya evela emhlabeni wonke. Kulokhu, kubonakala ngokuhlinzeka ngombono othile wezimakethe zezimali. Akumangalisi ukuthi isu elisetshenziswe kakhulu lokuqongelela umcebo wakho omkhulu lisuselwa ekuhlaziyweni okuyisisekelo kwempahla yezezimali.

Kepha ngaphezu kwakho konke ngophenyo olunzulu lwamagugu asetshenziswa ngabaphathi bezimali ezinhle kakhulu zokutshala imali. Ubuye alethe amava akhe ekuthini anikeze izincomo ezibalulekile. Enye yazo ilele thenga amasheya ezinkampani ezinenani elingaphansi kwenani lamabhuku abo. Okuthile okungokoqobo okungakunika omunye umbono uma uhlangana nale ndlela eyingqayizivele yokwenza zonke izimpahla zinenzuzo.

Amasu wabatshalizimali abakhulu

amasu Njengoba ubonile, unezibonelo zawo wonke amaphrofayili nakho konke ukuthanda. Ungathola imibono eminingi kwizifundo zakhe emhlabeni wemali. Hhayi ukuzisebenzisa emakethe yamasheya kuphela kodwa nakwezinye izimakethe zezezimali. Futhi sesivele sibekile, nasezimpahla zezimali ezahlukahlukene kakhulu nezisikisela. Kuphela ngenhloso ecace bha, okungekho okunye ngaphandle kokufana nomunye walaba balingisi abahlukile. Amamodeli wokukufeza ngokuqinisekile ngeke alahleke.

Esikhathini esifushane uzobe usudlule kokuningi amasu ahlukene okutshalwa kwezimali. Ukutshala imali esikhathini eside, ukukwenza ngokunyakaza okuphansi, ukuqagela esikhathini esifushane noma ukuya kwezinye izimakethe ezingezinye zeziphetho lezi zinhlamvu ezingazange zikhiqize. Manje kufanele ucabange ngezibonelo zabo ukuze ukwazi ukuzivumelanisa nesitayela sakho sokutshala imali. Umsebenzi onzima okulindele kusukela manje. Futhi ukuthi njengomunye wabalingiswa abadumile asebephumelele wathi "ukuba usozigidi akulula, okuphambene nalokho".

Esinye isifundo esingafundwa kulokhu okuhlangenwe nakho ukuthi amathuba ebhizinisi akhiqizwa ngaso sonke isikhathi. Ngisho nasezimo ezingezinhle kakhulu ongakucabanga. Kumele ube nesinqumo esincane, futhi ikakhulukazi okuningi, okuningi, imali eningi. Lapho okuhlangana kakhulu. Okokugcina, kuzoba ngesinye sezikhiye eziphumelela kakhulu ukufeza le nhloso, ebekelwe kuphela iqembu elikhethwe kakhulu.


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

Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

*

*

  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.