Shakisha hamwe no guhuza kuri Binomo

Guteranya amafaranga yawe mumwaka 1

Ibyumweru 50. Nigihe gisigaye nyuma yo gukuramo ibiruhuko mubucuruzi bwubucuruzi kuva ibyumweru 52 mumwaka. Kandi iki nicyo gihe cyo gukora siyanse yemejwe neza yo guteranya kugirango itange 20% byicyumweru.

Dufashe ko ibintu byose bigenda bikurikiza gahunda, ko konte yawe yambere isigaye ari $ 1.000 kandi intego yawe yinyungu ya buri cyumweru ni 20%, ugomba kunguka $ 200 muminsi 5 yakazi yicyumweru. Icyumweru gikurikira, ugomba kugira $ 1.200.

Noneho, igitekerezo cyo guhuza bisobanura kongeramo amafaranga yinjije mumari shingiro. Ubu buryo, mucyumweru cya kabiri cyubucuruzi, intego yawe izaba 20% kuva $ 1200 ni $ 240. Niba ukomeje gutya ibyumweru 50 byumwaka, noneho uzagira inyungu nini rwose.

Ariko, uzirikane ko nta garanti rwose iyo ucuruza. Nubwo waba umucuruzi mwiza kwisi, ugomba guhura nigihombo. Witondere cyane mugihe ucuruza kugirango udahomba ibirenze ibyo watsinze.

Guteranya ingamba hamwe na Warren Buffet

Warren Buffet numwe mubantu bakize cyane mugihe cacu. Niba utarigeze umwumva, reka nkubwire ko umutungo we ufite agaciro ka miliyari 82 z'amadolari. Ariko igishimishije kurushaho nukuntu yari yajeyo.

Warren Buffet yatangiye gushora imari afite imyaka 14 nigishoro cyamadorari 5,000. Mu myaka 70, ubutunzi bwe bwiyongereye kugera kuri miliyari 82 z'amadolari. Urashobora kubara uhereye kuri iyo mibare ko kugaruka kwe kwumwaka byari hafi 25-26%.

Nibyiza, ibi birenze inyungu ya 20% buri cyumweru muri Binomo izakugeza kuri miliyoni mumwaka umwe.

Reba imbonerahamwe iri hejuru. Miliyoni 1 mugihe cyumwaka hamwe na 20% kugaruka buri cyumweru hamwe ningamba zo guhuza zishobora gukora.

Icyo dushobora kwigira kuri Warren Buffet nuko nubwo hamwe no kugaruka guto buri cyumweru mugihe ukoresheje compounding ushobora kubona amahirwe mugihe. Nibyo, nta nkoni yubumaji izatuma amamiriyoni yawe aba impamo. Ugomba gukora kubwibi. Kandi wirinde igihombo. Iri ni isomo na Warren Buffet.

Ibi ntibizashoboka buri gihe. Nta gushidikanya ko uzagira igihombo. Ariko rero, ntucike intege. Ndetse nintambwe nkeya zisubira inyuma, uracyashobora kubona 20% mugihe cyicyumweru cyose mugihe wiga, witoza, kandi ugashyira mubikorwa.

Nkuko byavuzwe mbere, igihombo kiri murukino. Warren Buffet yavuga ngo ntutakaze nidolari rimwe mumafaranga yawe. Ariko turashobora kubishyira muri aya magambo: ntuzigere ufunga icyumweru hamwe na konte iringaniye ntoya kuruta mu ntangiriro. Ntugume ushikamye kuri iyo 20%.

Ahari icyumweru kimwe uzakora 3% gusa. Ariko ikindi cyumweru ushobora gufunga 80%. Ikintu cyingenzi nukwinjiza amafaranga yose. Kandi uzabona ko guhuzagurika byera imbuto.

Gucuruza no gushora imari

Umutungo wa Warren Buffet wakozwe ahanini nishoramari ryamafaranga. Gucuruza ni ubwoko bwinkuru itandukanye.

Ingamba gakondo zishingiye kugura no gufata zizana inyungu gusa mugihe agaciro k'imigabane kiyongereye. Ku rundi ruhande, ibicuruzwa biva mu mahanga, bigufasha kubona amafaranga yinyongera uko ibiciro byazamuka cyangwa bigabanuka. Nkigisubizo, amahirwe yawe arashobora kwaguka byihuse kuruta niba wari umushoramari.

Ni ngombwa, ko ufite ingamba. Niba ushaka kubona amafaranga yinyongera ugomba kuba ufite kandi uzi kuyakoresha. Kubwamahirwe, hari ingamba nyinshi ushobora guhitamo. Menya neza ko uhitamo icyakubereye cyiza.