Zuza ngokuhlanganisa ku-Binomo

Hlanganisa imali yakho onyakeni ongu-1

50 amasonto. Lesi yisikhathi esisele ngemuva kokudonsa amaholide ebhizinisini lokuhweba emasontweni angama-52 ngonyaka. Futhi lesi yisikhathi sokusebenza isayensi efakazelwe kahle yokuhlanganisa ukuze unikeze u-20% wembuyiselo yamasonto onke.

Uma sicabanga ukuthi yonke into ihamba ngokohlelo, ukuthi i-akhawunti yakho yebhalansi yokuqala ingu-$1,000 futhi inzuzo yakho yeviki yonke ingama-20%, kufanele uzuze u-$200 phakathi nezinsuku zokusebenza ezingu-5 zeviki. Ngesonto elilandelayo, kufanele ube no-$1,200.

Manje, umqondo wokuhlanganisa usho ukungeza imali ezuziwe eyengeziwe enhlokodolobha. Ngale ndlela, evikini lesibili lokuhweba, inhloso yakho izoba ngu-20% ukusuka ku-$1,200 okusho u-$240. Uma uqhubeka kanjena amasonto angu-50 onyaka, khona-ke uyoba nenzuzo enkulu ngempela.

Nokho, khumbula ukuthi asikho nhlobo isiqinisekiso lapho uhweba. Ngisho noma ungumhwebi ongcono kakhulu emhlabeni, nakanjani uzolahlekelwa okuthile. Qaphela kakhulu lapho uhweba ukuze ungalahlekelwa okungaphezu kokuphumelela kwakho.

Isu elihlanganisiwe kanye ne-Warren Buffet

UWarren Buffet ungomunye wamadoda acebe kakhulu esikhathini sethu. Uma ungakaze uzwe ngaye, ake ngikutshele ukuthi isamba sakhe silinganiselwa ku-$82 billion. Kodwa okuthakazelisa nakakhulu ukuthi wayefike kanjani lapho.

UWarren Buffet waqala ukutshala imali eneminyaka engu-14 nge-capital $5,000. Phakathi neminyaka engu-70, ingcebo yakhe ikhule yafinyelela ku-$82 billion. Ungakwazi ukubala kulezi zinombolo ukuthi ukubuya kwakhe konyaka kwakungaba ngu-25-26%.

Yebo, lokhu kungaphezu kwe-20% inzuzo yamasonto onke e-Binomo ezokuholela esigidini ngonyaka owodwa.

Bheka ishadi elingenhla. 1 million ungakapheli unyaka onenzuzo engu-20% yamasonto onke kanye namasu okuhlanganisa angasebenza.

Esingakufunda kuWarren Buffet ukuthi noma unembuyiselo encane impela ngesonto uma usebenzisa inhlanganisela ungenza ingcebo ngokuhamba kwesikhathi. Yiqiniso, ayikho induku yomlingo ezokwenza izigidi zakho zibe yiqiniso. Udinga ukukusebenzela lokhu. Futhi gwema ukulahlekelwa. Lesi futhi isifundo esivela kuWarren Buffet.

Lokhu ngeke kwenzeke njalo. Ngokuqinisekile uzolahlekelwa. Nokho, ungadikibali. Noma unezinyathelo ezimbalwa zokuhlehla, usengakwazi ukuthola u-20% ekupheleni kwesonto inqobo nje uma ufunda, uzilolonge, futhi wenze.

Njengoba kushiwo ngaphambili, ukulahlekelwa kuyingxenye yalo mdlalo. UWarren Buffet angasho ukuthi ungalahlekelwa ngisho nedola elilodwa emalini yakho. Kodwa lokhu singakubeka ngala mazwi: ungalokothi uvale isonto nge-akhawunti ebhalansile encane kunasekuqaleni. Ungahlali ugxilile kulowo 20%.

Mhlawumbe ngesonto elilodwa uzokwenza kuphela u-3%. Kodwa kwelinye isonto ungase uvale ngo-80%. Okubaluleke kakhulu ukwenza imali eyengeziwe nhlobo. Futhi uzobona ukuthi ukungaguquguquki kuthela izithelo.

Ukuhweba ngokumelene nokutshala imali

Umcebo kaWarren Buffet wenziwa ikakhulukazi ngokutshalwa kwezimali. Ukuhweba kuwuhlobo lwendaba ehlukile.

Amasu endabuko asekelwe ekuthengeni nasekubambeni aletha inzuzo kuphela lapho inani lesitoko likhula. Ukuhweba kokuphuma kwezezimali, ngakolunye uhlangothi, kukuvumela ukuthi uthole imali eyengeziwe kungakhathaliseki ukuthi amanani akhuphuka noma ehla. Ngenxa yalokho, ingcebo yakho ingakhula ngokushesha kakhulu kunalapho ubungumtshali-zimali.

Kubalulekile, ukuthi ube nesu. Uma ufuna ukuthola imali eyengeziwe kudingeka ube nayo futhi wazi ukuthi uyisebenzisa kanjani. Ngenhlanhla, kunamasu amaningi ongakhetha kuwo. Qiniseka ukuthi ukhetha leyo ekufanele kakhulu.