Masiku ano, kuyika ndalama ndichinthu chomwe aliyense amafuna kuchita chifukwa ndi imodzi mwa njira zabwino zopangira chuma.
Pokhala Investor, muyenera kudziwa kuti msika wogulitsa ndi njira yabwino kwambiri yopezera ndalama, koma ukhoza kukuyikani m'mavuto azachuma ngati simupanga kafukufuku woyenera pazachuma zomwe mukugulitsamo.
Ponena za kafukufuku wamsika, osunga ndalama ambiri amaganizira za Mohnish Pabrai - Wamalonda waku India-America, wochita bizinesi, wochita bizinesi, ndi wothandiza anthu, fano lawo ndikutsatira njira yake yoyendetsera ndalama kuti apambane paulendo wawo wotsatsa malonda.
Mohnish Pabrai adayambitsa Pabrai Investment Funds ndi Woyambitsa & CEO wa Dhandho Funds.
Ngakhale si dzina lanyumba Kumadzulo, Mohnish Pabrai ndi Midas wa Indian Investment.
Mbiri yake yowona makampani omwe akukula bwino, kuzindikira zolakwika zawo, ndikudikirira kuti msika uzindikire zomwe angathe kuchita, zamupangitsa kukhala m'modzi mwa osunga ndalama olemekezeka kwambiri.
Tiyeni tsopano tiphunzirepo maphunziro ena azachuma kuchokera ku njira ya Mohnish Pabrai yoyika ndalama.
1. Yesetsani Kuopsa Kochepa, Kubwerera Kwambiri
Pokhala wochita bizinesi limodzi ndi Bizinesi, Mohnish nthawi zonse amakhulupirira kuti ndi Investor akusewera mbali yotetezeka. Ananenanso kuti amalonda ndiabwino pothana ndi kusatsimikizika komanso ali bwino kwambiri pochepetsa chiopsezo.
Pokhala wabizinesi, adaphunzira chinthu chimodzi, chomwe ndikuchepetsa zoopsa kuchokera kugawo lililonse lomwe adayikapo in.
Kotero, kuchokera ku malonda akhalire, ngati simungathe kupanga ndalama zambiri, mutha kuchepetsa zoopsa zomwe zingachitike pazachuma chanu pochita zotetezeka. Mulimonsemo, simukupeza zambiri, koma osataya ngakhale. Ngakhale ndizotetezeka kusewera, ndikufuna kutcha njira iyi yogulitsira ndalama ngati yanzeru.
Pabrai amagwiritsa ntchito mawu achi Gujarati "Dhandho" kutanthauza zoyesayesa zomwe zimapanga chuma.
Mwachindunji, pankhani yoika ndalama, akunena za mabizinesi obweza kwambiri omwe ali ndi chiopsezo chochepa. Awa ndi mabizinesi omwe ngakhale zinthu zitalakwika, mutha kupangabe ndalama.
Osunga ndalama a Dhandho sayesa kukhala anzeru kapena kupitilira aliyense. iwo mophweka kugula malonda ndi malire a chitetezo - amalipira mtengo wotsika wokwanira kuti ngati iwo ali cholakwika, sangataye zambiri. Ngati akulondola ndipo msika pamapeto pake umazindikira, pali zambiri zokwera.
Amayerekezera njira yake yopezera ndalama ndi mbali ziwiri za ndalamazo pa kunena. "Mitu ndimapambana, michira sinditaya kwambiri."
Njira iyi ikhoza kumvetsedwa otsika chiopsezo, ndi apamwamba kusatsimikizika chifukwa ngakhale sapeza phindu lalikulu kuchokera ku ndalamazo, angayembekezere kupeza zoopsa zochepa.
Mwachidule, pokhala munthu wamalonda, Mohnish Pabrai amakhulupirira kuyika ndalama m'matangadza "otsika kwambiri, obwezeredwa kwambiri" m'malo mwa "zowopsyeza, zopindulitsa kwambiri.".
2. Investment Ndi Zonse Za Kudikira
Mohnish akuti,
"Ubwino umodzi waukulu womwe wogulitsa ndalama ali nawo si IQ. Ndi chipiriro ndi kuyembekezera. Kudikirira phula loyenera, ndikudikirira kwa zaka zambiri kuti mumve bwino. ”
-Mohnish Pabrai
M'zaka makumi awiri zapitazi, msika wogulitsa wawona zake gawo la zokwera ndi zotsika. Panthawi imeneyi, pali zakhala nthawi zambiri pamene msika wagwa ndi oposa 10 peresenti pa tsiku limodzi.
Komabe, osunga ndalama ngati Mohnish Pabrai sada nkhawa ndi kusakhazikika kotere pamsika. Amadziwa kuti ngati agula masheya abwino panthawi yoyenera ndikusunga yaitali nthawi, iwo akhoza kupereka zosaneneka zobwerera.
Kulola kuti ndalama zanu zikule kudzera mukuphatikizana kungakupangitseni ndalama zambiri; osunga ndalama omwe katundu wawo wakula kwambiri mwina kuyiwala za masheya omwe adapindula nawo koyambirira, kapena adagwiritsa ntchito zobwezazo kuti asinthe kukhala zina. katundu.
Chifukwa chake osunga ndalama samapeza zonse mtengo wophatikiza ndi zimenezo nthawi zonse masheya akukwera, malingaliro awo amayamba kusewera nawo. The katundu imeneyo inali gawo laling'ono la mbiri mwadzidzidzi limakhala gawo lalikulu ndipo limapangitsa mantha kapena umbombo kutengera ngati wina akuyang'ana pa kupindula kapena kutayika.
izi akhoza kukupangitsani inu kuchita mitundu yonse ya zolakwika, monga kugulitsa pambuyo pa a lalikulu kukwera kwa mtengo (chifukwa malingaliro anu amati ndi aakulu kwambiri) kapena ayi kugulitsa pamene muyenera (chifukwa maganizo anu amati akadali aang'ono kwambiri).
“Simumapeza ndalama mukagula masheya. Ndipo simumapeza ndalama mukagulitsa masheya. Umapeza ndalama podikira.”
-Mohnish Pabrai
3. Zolakwa Ndi Aphunzitsi Abwino Kwambiri
Monga ena ochita bwino m'misika yamsika, Mohnish Pabrai amalimbikitsanso kuphunzira china chake kuchokera ku zolakwa ndikusabwerezanso nthawi ina.
Mohnish akunena kuti kulakwitsa ndi aphunzitsi abwino kwambiri. Munthu saphunzira pa kupambana. Ndikofunikira kuphunzira mozama kuchokera ku zolephera za anthu ena, koma zimakhazikika kwambiri pamene zili zanu.
Kupyolera mu izi, akuwonetsa kuti, pokhala wogulitsa ndalama, muyenera kuvomereza zolakwa zanu nthawi iliyonse mukakumana ndi kugwa kwa msika. Chifukwa pamsika wamalonda, pali nthawi zomwe mumalondola komanso pamene mukulakwitsa. Mwachitsanzo, masheya amatha kutsika ndi 10% mpaka 50% kukwera, kotero ndizoposa zomwe mumayembekezera.
Tapa pali chinthu chimodzi chokha chomwe chingakuthandizeni kuchita bwino pamsika wamasheya, ndipo ndicho malingaliro anu abwino pakuphunzira kuchokera ku zolakwa zanu.
Chifukwa chake, kuti mukhale Investor wokhala ndi chiwongola dzanja chambiri chopeza phindu, muyenera kusanthula kugwa kwanu ndi kugwa kwa anthu ena ndikupeza masheya omwe amapeza phindu lalikulu, omwe ali ndi ziwopsezo zochepa, kuti mupeze Chabwino ndalama.
Muyenera kuganizira zolakwa zanu ngati mwayi remediate downsides wanu ndi kupeza bwino ndalama zanu lotsatira.
4. Sewerani M'magawo Anu Omvetsetsa
Pamsika wogulitsa, chidwi chanu pakampani chimasewera a akuluakulu udindo wokuthandizani kupeza phindu. Ndichifukwa chake Mohnish Pabrai akuti,
“Njira yokhayo wina ayenera kugula masheya ndi ngati mukumvetsetsa bizinesi yoyambira. Mumakhala m'gulu la luso. Umagula mabizinesi mukumvetsa."
-Mohnish Pabrai
Muyenera kusankha kampani yomwe mukuikonda kwambiri, pezani osunga ndalama zomwe ziri kupanga phindu kuchokera kuzinthu zotere, tsatirani njira yawo yopezera ndalama, fufuzani zomwe amalakwitsa, ndipo pangani kusuntha kwanu moyenera panthawi yoyenera ndikulemba saga yanu yogulitsa ndalama.
Otsatsa bwino kwambiri amatha kuyang'ana kampani ndikuwunika mwayi wake wampikisano popenda bizinesi yomwe ili. in. izi zingamveke zomveka, koma anthu ambiri amalakwitsa poganiza kuti bizinesi zafotokozedwa ndi katundu kapena ntchito zake. Iwo amasokoneza kampani ndi mafakitale ake.
M'zochita, komabe, makampani omwe amapikisana nawo nthawi zambiri amakhala osafunikira kuposa momwe amapikisana nawo mumakampani.
Mwachitsanzo, makampani omwe amapanga mabwalo ophatikizika onse ali mumakampani omwewo - semiconductors - koma amapikisana mosiyanasiyana. Ena amagulitsa zinthu zawo kwa opanga makompyuta monga Dell; ena amagulitsa kwa opanga zamagetsi monga Nokia; komabe, ena kugulitsa kumakampani amagalimoto monga General Motors.
Kusiyana kumeneku kumatanthauza kuti kampani iliyonse imayang'anizana ndi zoopsa zosiyanasiyana ndipo ili ndi chiyembekezo chosiyana cha kukula ndi phindu.
Ngakhale mkati mwa bizinesi imodzi, pangakhale kusiyana kwakukulu pakati pa ziyembekezo zamakampani.
Choncho, nthawi zonse muzisewera m'madera mumapeza chidwi chanu chachikulu ndi momwe mungagwiritsire ntchito ukatswiri wanu wowunikira.
5. Nthawi zonse Pangani Mndandanda Wamafunso Kuti Mufufuze Masheya
Kwa iwo amene zatsopano pakuyika ndalama, ndizovuta kudziwa komwe mungayambire kupanga chidziwitso chanu. Malo abwino oti muyambire osati ndi masheya, koma ndi mabizinesi. Ndipo njira yabwino kwambiri yophunzirira makampani ndi kufunsa mafunso.
Pangani mndandanda wa mafunso ndikugwiritsa ntchito nthawi iliyonse mukaganizira kugula katundu pakampani. Zidzakuthandizani kupewa zolakwika zambiri ndikuyang'ana zomwe zili zofunika.
Mohnish Pabrai, m'buku lake - 'The Dhandho Investor' adalembapo mafunso omwe muyenera kugwiritsa ntchito pofufuza masheya omwe mukufuna kugula.
- Kodi gulu la masheya ili likubwera m'dera lanu lokonda komanso luso lanu?
- Kodi phindu lenileni la bizinesi ndi chiyani? Kodi mutha kuyikamo ndi chidaliro chapamwamba? Kodi kusintha kwake ndi kotani m'tsogolomu?
- Kodi otsogolera amawononga bwanji capital shareholder?
- Kodi mukukhulupirira kuti mudzayika ndalama zanu zambiri mu stock iyi?
- Kodi katunduyu ali ndi chiopsezo chochepa? Ngati inde, ndiye kuti zimatheka bwanji muli?
- Kodi bizinesiyi ili ndi mizu yozama?
- Kodi bizineziyi imati ndi oona mtima zingati?
Chifukwa chake, musanagwiritse ntchito ndalama zilizonse, yankhani mafunso onsewa ndikukulitsa chidaliro chanu kuti mugule katunduyo ndikudikirira nthawi yoyenera kuti mugulitse ndikupeza phindu monga momwe mukuganizira.
6. Pangani Bizinesi Yosavuta Koma Yokhazikika
Mohnish nthawi zonse amalangiza kupeza bizinesi yomwe ndiyosavuta kumvetsetsa komanso ikuyenda bwino ndikutayika pang'ono kuti muwonetsetse kuti mupeza phindu pazambiri zanu, ngakhale mudikire nthawi yayitali.
Simuyenera ganizirani kulosera kuti ndi kampani iti apita ku kukhala “Amazon yotsatira", koma m'malo mwake khazikitsani mabizinesi omwe amatha kukula osafuna kuti zinthu zachilendo zichitike.
"Einstein anazindikiranso mphamvu ya kuphweka, ndipo inali chinsinsi cha kupambana kwake mu physics. Iye ananena kuti milingo isanu yokwera ya luntha anali, "Wanzeru, Wanzeru, Wanzeru, Wanzeru, Wosavuta." Kwa Einstein, kuphweka kunali njira yapamwamba kwambiri yanzeru.
-Mohnish Pabrai
Mosonkhezeredwa ndi Warren Buffett, Mohnish akunena kuti pamene mukuganiza za ndalama, muyenera kupeza chinthu wamba komanso wamba koma chimene aliyense amafunikira. Mwachitsanzo, Coca-Cola ndi Gillette. Makampaniwa akhalapo kwa zaka zambiri ndi zomwe amagulitsa sizachilendo kapena zatsopano, koma ndi zomwe aliyense amagula ndikuzigwiritsa ntchito tsiku lililonse.
Kumbali inayi, anthu amasangalala kwambiri ndi zinthu zatsopano komanso yatsopano makampani aukadaulo ngati Facebook kapena Instagram. Ndipo nthawi zina makampani awa akhoza kukhala zabwino ndalama. Koma Mohnish akuti kuti inu ayenera kusamala chifukwa nawonso ndi ndalama zowopsa.
Pambuyo pake, palibe amene akudziwa ngati adzapambana m'kupita kwanthawi. Akuti mukaganizira zoyika ndalama zanu, onetsetsani kuti mwaganizira mitundu yonse iwiri ya mwayi: mabizinesi otopetsa koma okhazikika. komanso makampani omwe akukula mwachangu omwe ali ndi zinthu zosangalatsa ndi ntchito.
7. Phunzirani Kupeza Mwayi Pazovuta Zamsika:
Mohnish Pabrai anatchula m’buku lake lakuti Mosaic – Perspectives on Investing kuti:
“Kusokonekera kwa msika ndi mavuto azachuma ndi nthawi yoti muyambe kuchitapo kanthu ntchito"
– Mohnish Pabrai
Mwayi umabwera pamene mtengo wamtengo wapatali ukutsika, koma palibe kusintha kwa mtengo wamalonda. Pabrai akuti osunga ndalama sayenera kuchita mantha kapena kutaya chidaliro pakagwa mavuto.
Wogulitsa malonda a Value Mohnish akuti osunga masheya ayenera kuphunzira kupeza mwayi pamavuto amsika. Zambiri mwazinthu zazikulu amapangidwa in zovuta. Ndi nthawi imene palibe amene amafuna kuchita chilichonse. Koma ngati muli ndi ndalama, mukhoza kupeza ndalama zambiri pogula kuchotsera.
Mawu Final
Kuyika ndalama ndi masewera omwe ali ndi mwayi wambiri wopambana ndi njira yoyenera m'manja ndi zolakwika zotaya masewerawa popanda kufufuza. Chifukwa chake, tchulani maphunziro abwino omwe atchulidwa pamwambapa a ndalama zoperekedwa ndi Mohnish Pabrai; phunzirani, konzekerani, ndi kusangalala ndi phwando lanu.
Muli ndi mafunso okhudzana ndibuloguyi?
Chonde musazengereze kuyankhapo!
Wodala ndalama!
Siyani Mumakonda