Amagama kaFrancisco García Paramés

Ukuze sithuthuke emhlabeni wezezimali, inketho enhle ukuthi sizazise futhi sifunde ngabatshalizimali abaphumelele kakhulu kanye nosomabhizinisi bezikhathi zethu. Ngalesi sizathu, imishwana kaFrancisco García Paramés ingaba wusizo kakhulu. Ungomunye wabatshalizimali baseYurophu abanethonya kakhulu nababalulekile namuhla futhi ngokuqinisekile singafunda okuthile kuye.

Kulesi sihloko sizobhala imishwana eyishumi nanye ehamba phambili kaFrancisco García Paramés futhi sizokhuluma kancane ngokuthi ungubani lo mtshali-zimali waseSpain. Yini enye, sizophawula ngethiyori yase-Austrian yomjikelezo wezomnotho, okuyingxenye ye- ukubaluleka kokutshala imali. Kuyisu lokutshala imali elaziswa kakhulu yilo mtshali-zimali waseSpain, kanye nabanye osomnotho abadume kakhulu nosomabhizinisi.

Imishwana eyi-10 ehamba phambili kaFrancisco García Paramés

Ukuze uzizwe ukhuthazwa kakhulu ukufunda imishwana kaFrancisco García Paramés, sizogcizelela ukuthi ungomunye wabatshalizimali be- ukubaluleka kokutshala imali iningi laziwa. Namuhla usengumphathi wesikhwama e-Cobas AM. Ngaphezu kwalokho, wabhala incwadi ebizwa ngokuthi "Ukutshala imali isikhathi eside: isipiliyoni sami njengomtshali-zimali", futhi kunconywa kakhulu. Ngaphambilini, uFrancisco García Paramés ikhombise ukuthi iyakwazi ukuthola izinzuzo ezinhle kakhulu neziqhubekayo ngokuhamba kwesikhathi, ngenkathi ngisebenza eBestinver. Ukucabanga kwakhe okuningi kuhlanganisa indlela yokutshala imali ayisebenzisayo. Okulandelayo sizobhala imishwana eyishumi nanye ehamba phambili kaFrancisco García Paramés:

1. "Ama-speculators kanye nokuguquguquka kungabangane bethu, uma kukhona, imiphumela engcono kakhulu esizoyithola ngokuhamba kwesikhathi."
2. “Ukushoda kwezimali kuphinde kube nguzakwethu. Abanye abatshalizimali bakhokha kakhulu ngaleyo mali.”
3. "Ukutshalwa kwezimali kuyibhizinisi lesikhathi eside lapho ukubekezela kunquma inzuzo."
4. “Hamba emigwaqweni lapho kungekho bantu khona. Thenga okungafunwa muntu."
5. "Tshala imali emasheya yakho konke ukonga kwakho okungadingekile esikhathini esizayo esiseduze."
6. "Uma ufuna ukufunda ezomnotho, funda isiJalimane futhi ufunde ama-Austrians."
7. Yiba umnikazi wefa, hhayi umbolekisi. Ukubolekwa imali kuyisithembiso kwesinye isikhathi esihambisana nomoya.”
8. "Isici esithakazelisa kakhulu sokutshala imali ukuthi isikhathi sihlala sisohlangothini lwakho."
9. «Uma sithengisa inani ?, Sihlala siphendula: lapho kunethuba elingcono. Lokho kuwumgomo wethu waphakade, ukuthuthukisa iphothifoliyo nsuku zonke. "
10. "Yena ukubaluleka kokutshala imali ishumayela umbono wokuthi i-hypothesis yemakethe esebenza kahle ivamise ukungalungile.
11. “Kungani ngenza lokhu engikwenzayo? (…) Sengike ngasho ukuthi ukuba umhlaziyi kuhambisana nendlela yokucabangisisa nokuba namahloni, futhi lokhu, kanye nokusekelwa kokufunda, kwakha isisekelo esihle sokuthuthuka kwami ​​siqu. Umsebenzi ngokwawo wawungivuza. Sekuvele kwaziwa ukuthi umuzwa wokuphatha kahle umsebenzi udala ubudlelwano kuwo futhi akudingekile ukuba nombono ocatshangelwe ngaphambili wokumiselwa kusengaphambili. Izinto zimane ukwenzeka kanjalo."

Francisco Garcia Parames uyaba ubani?

Manje njengoba sesiyazi imishwana engcono kakhulu ka-Francisco García Paramés, sizochaza ukuthi ingubani le ndoda. Wazalwa ngo-December 22, 1963 futhi namuhla ungumphathi wokutshala izimali waseSpain. Ngokukhethekile, udlala indima yokuba umphathi wesikhwama kwa-Cobas AM, Kwaziwa nangokuthi "i- UWarren Buffett Spanish", ngenxa yempumelelo yakhe enkulu njengomtshali-zimali, ngokuyinhloko elandela isu lokutshala izimali, noma ukubaluleka kokutshala imali. Eqinisweni, uFrancisco García Paramés uthathwa njengomunye wabaphathi base-Europe abanethonya nababalulekile emhlabeni wezezimali. Ngo-2014, yakwazi ukuphatha cishe ama-euro ayizigidi eziyizinkulungwane eziyishumi.

Isitayela sokuphatha sikaFrancisco García Paramés isekelwe ngaphezu kwakho konke isu lalokho okubizwa ukubaluleka kokutshala imali (value investing), lapho abatshalizimali abadumile uWarren Buffett abangabasekeli babo, UPeter Lynch y UBenjamin Graham, Ngokwesibonelo. Ngaphakathi kwe ukubaluleka kokutshala imali, UFrancisco García Paramés uhlala ngaphakathi kohlaka lwethiyori yase-Austrian yomjikelezo webhizinisi.

Kumele kuqashelwe ukuthi lo mtshali-zimali waseSpain uphothule izifundo ze-Economics e-Complutense University of Madrid kanye ne-MBA e-IESE Business School yase-University of Navarra. Ngo-2016, uFrancisco García Paramés waklonyeliswa ngeziqu zobudokotela ezihlonishwayo kwezamabhizinisi e-Francisco Marroquín University, eGuatemala.

I-TACE (Austrian Business Cycle Theory)

Okubizwa nge-Austrian Business Cycle Theory, noma i-TACE, yathuthukiswa osomnotho besikole sase-Austrian, okuhlanganisa uLudwig von Mises noFriedrich Hayek. Kulo mbono bayachaza ubudlelwano phakathi kokukhula komnotho, izikweletu zasebhange kanye namaphutha otshalomali anqwabelana kakhulu ekunyukeni komjikelezo webhizinisi. Njengomphumela, igcina iqhume njengebhamuza futhi icekele phansi inani.

I-TACE imile kwelokuthi ukutshalwa kwezimali kuvame ukukhuphuka, okudale ukuchuma komnotho okungamanga, ngenxa yokwanda okungezona kwesikweletu. Ngamanye amazwi: Kungenxa yokwenyuka kwesikweletu esingasekelwa ukonga ngokuzithandela kwangaphambilini, kodwa kunalokho okudalwe ukukhohlisa okuphansi kwezinga lenzalo. A) Yebo, amanani ahlobene ahlanekezelwa yinani elikhulayo lemali ezungeza emakethe yezomnotho. Lokhu kutshalwa kwezimali, obekungeke kwenzeke ukube bekungekona ukuhlanekezelwa kwentengo, kuphambukisa izimpahla ezinkulu eziqoqiwe kumaphrojekthi angenayo inzuzo. Ngenxa yalokho, impahla eyodwa noma ezimbalwa zigcina sezingaqondwa kakhulu, kwakheka amabhamuza adumile.

Ngokungenakugwenywa, la mabhamuza agcina eqhuma ngokushesha noma kamuva. Uma ukukhishwa kwemithombo yezindaba entsha yokwethembeka sekuphelile, lezo zilinganiso zenzalo eziphansi ngokuzenzela zigcina zifakwe kulokho okungaba izinga lazo langempela emakethe. Ngokuvamile, lokhu kuvame ukuba phezulu kakhulu kunaleyo esungulwe amabhange amakhulu, ngenxa yokushoda kwezimpahla ezinkulu. Lo mcimbi unqamula kungazelelwe ukuhamba kwezikweletu ezishibhile. Futhi kuthiwani ngokutshalwa kwezimali? Hhayi-ke, lezo ebezibonakala zinenzuzo kakhulu ngezintengo zazo ezikhuphukile zivele ziphele. Kungalesi sikhathi lapho kuqubuka khona le nkinga kanye nokutshalwa kwezimali okuyiphutha kugcina kuqedwe ngokwemvelo.

Ngethemba ukuthi imishwana kaFrancisco García Paramés ibe ugqozi kuwe! Ungasishiya imibono yakho yokutshala imali oyintandokazi noma amasu kumazwana.