Ngati mukufuna kukhala Investor bwino, ndiye n'zomveka kuphunzira kwa munthu amene kale Investor bwino. Pali osunga ndalama osawerengeka ku India ndipo owerengeka okha ndi omwe angatengedwe kukhala osunga ndalama.
Mwa onse omwe ali ndi ndalama zodziwika bwino ku India, Rakesh Jhunjunwala ndi m'modzi mwamabizinesi abwino kwambiri.
Iye si m'modzi mwa ochita bwino kwambiri omwe amagulitsa ndalama ku India, komanso ndi wolemekezeka kwambiri, komanso wofunidwa ndi osunga ndalama ena komanso akuluakulu abizinesi.
Tiyeni tione mfundo khumi zamtengo wapatali zimene tingaphunzire kwa Rakesh Jhunjhunwala za momwe tingakhalire ochita bwino ndalama.
1. Kuyika ndalama kuyenera kukhala mutu womwe mumaukonda kwambiri
Jhunjhunwala akusonyeza kuti anthu amene akufuna kukhala ndi chilakolako kuphunzira za masheya ayenera kufufuza powerenga ndi kulankhula ndi ena omwe ali ndi bizinesi yogulitsa ndalama.
Amakhulupirira kuti simudzakhala ndi chidwi chophunzira ngati mudalira ena kuti mupeze malangizo kapena malingaliro amsika.
Chikondi cha Rakesh Jhunjhunwala pa msika wa masheya chinayamba ali mnyamata. Ankakonda kufunsa bambo ake, momwe msika wogulitsira umagwirira ntchito ndipo anachita chidwi ndi momwe mitengo imasinthira tsiku lililonse.
Monga wamkulu, chilakolako chake cha kupatula zinamupangitsa kupanga zisankho zanzeru ndikukhalabe wolimbikitsidwa ngakhale kuti poyamba analephera. Amakondabe kupezeka pamisonkhano ya Quarterly ndi ma AGM amakampani omwe amaikamo ndalama.
Amafunsa mafunso kwa oyang'anira ndikuwapatsa mayankho moona mtima. Amatero, osati chifukwa choti akuyenera kutero, koma chifukwa chofunitsitsa kuona kuti ndalama zake zikubweretsa phindu.
2. Kuleza mtima ndi khalidwe labwino
Kuti mukhale wopambana ngati wogulitsa ndalama, muyenera kumvetsetsa kuti kuyika ndalama ndi lingaliro lanthawi yayitali. Muyenera kudziwa kuti zidzatenga zaka khumi kapena kuposerapo kuti muwone zotsatira za ndalama zanu.
Rakesh Jhunjhunwala, yemwe amatchedwa Big Bull wa Dalal Street, ndi wosunga ndalama kwa nthawi yayitali. Ali ndi chipiriro chachikulu ndi katundu wake ndipo amadziwika kuti amawasunga kwa zaka zambiri.
Wakhala akugulitsa ndalama ku Titan Company Ltd, kwazaka zopitilira 1,000 tsopano ndipo wabweza ndalama zoposa XNUMX% pazachuma chake choyamba.
Iye akuti amaika ndalama mubizinesi yakampani, osati katundu wake, ndipo samagulitsa masheya ngakhale panthawi yokonza Stock Market.
Wawona zozungulira zambiri mu Stock Market kotero kuti sada nkhawa ndi kutsika kwakanthawi kochepa.
Ndikofunikira kwambiri kumvetsetsa kuti zoyambira zamakampani zimayendetsa mtengo wake pakapita nthawi.
Nthawi zambiri, mtengo wamtengo wapatali umasonyeza kukula kwa kampani pazaka zisanu mpaka zisanu ndi ziwiri zotsatira. Ngati mukugula kwa chaka chimodzi kapena ziwiri, ndi zongopeka chabe.
Izi sizikutanthauza kuti munthu ayenera kugula katundu ndi kusunga kwa zaka zisanu ndi ziwiri. Iyenera kuphatikizidwa ndi kusamala koyenera komanso kumvetsetsa za kukula kwa kampani komanso zomwe zingachitike m'tsogolomu.
3. Gwiritsani ntchito bwino mwayi womwe mwawona
Chimodzi mwazofunikira kwambiri kuchokera kwa Rakesh Jhunjhunwala ndikuti wogulitsa ndalama ayenera kukhala wokonzeka kutenga mwayi. Wogulitsa ndalama wotchuka amakhulupirira kuti mwayi umapangidwa kudzera mukukwera ndi kutsika kwa msika.
Chitsanzo chake ndivuto lazachuma padziko lonse la 2008, pomwe adagula masheya pamtengo wotsika pomwe sadali otsika pamsika.
Anapezerapo mwayi pa msonkhano wa zisankho za 2014 posungitsa phindu pazogulitsa zake. Pochita izi, akuti, osunga ndalama ayenera kudziwa momwe angalolere kuopsa kwawo ndipo asachite mantha kuti awonongeke.
Izi zili choncho chifukwa, malinga ndi iye, munthu sangapange ndalama ngati akuwopa kutaya. Kupambana pamsika wamasheya kumadalira umunthu wanu ndi chikhalidwe chanu osati pazinthu zina zilizonse.
Kutsatsa malonda ndi masewera a mitsempha. Simuyenera kusangalatsidwa kapena kukhumudwa chifukwa cha kukwera ndi kutsika kwamitengo.
Ndikupangira kuti nthawi zonse mukhale ndi ndalama zotsalira kuti mugwiritse ntchito mwayi womwe ukubwera. Kuyika ndalama zanu zonse pamsika ndizowopsa, chifukwa mbiri yawonetsa kuti kubweza kosinthika kumatha kukhala kozungulira.
4. Pamene mumayika ndalama zambiri m'maganizo mwanu, m'pamenenso mumataya mtengo
Tonse tamva nkhani ya mnzathu yemwe adagula katundu, ndipo katunduyo adakwera.
Kotero, iye anaganiza zoikapo ndalama ina, akuganiza kuti, "Ndili ndi mwayi ndi chinthu ichi. Ndiloleni ndichitenso.”
Kuyika ndalama zotere ndi chimodzi mwazolakwitsa zazikulu zomwe mungapange mukamayika ndalama. Zimabwera chifukwa chosowa chidziwitso komanso kusamvetsetsa kwakukulu chifukwa chake mudagula poyamba.
Rakesh Jhunjhunwala amakhulupirira kuti osunga ndalama ayenera kuphunzira kupondereza malingaliro awo ndikukhala ngati makina kuti apambane. Ngati ndinu Investor mosasinthasintha, muyenera kukhala ndi chikhulupiriro mu kayendetsedwe kazachuma ndi filosofi yanu yazachuma.
Ngati ndinu okhwima mu nzeru zanu zachuma, ndiye kuti mupanga ndalama mu bizinesi iyi.
Kuti mukhale Investor wamkulu muyenera kutsutsana ndi chibadwa chanu ndikukumbatira makhalidwe ena otsutsa.
M’malo mochita mantha pamene ena ali adyera ndi aumbombo pamene ena ali ndi mantha, tiyenera kuchita zinthu zosiyana ndi kugula zinthu zotsika ndi kugulitsa kwambiri.
5. Ikani ndalama m'mabizinesi omwe ali ndi mwayi wampikisano
Rakesh Jhunjhunwala amadziwika chifukwa cha kupambana kwake pakupeza makampani omwe ali ndi mpikisano. Amayang'ana makampani omwe ali ndi zinthu kapena ntchito zomwe kupambana kwake kuli kovuta kubwereza.
Kuyika ndalama m'makampani oterowo, akukhulupirira, kumapatsa osunga ndalama mwayi wopikisana nawo.
Filosofi yazachuma iyi ikuwoneka kuti yamuthandiza bwino; ataikapo ndalama m'matangadza ngati Nazara Tech, Delta Corps, CRISIL, Jhunjhunwala wawona chuma chake chikukwera kwazaka zambiri.
Rakesh Jhunjhunwala akukhulupirira kuti kampani siingathe kuwonjezera phindu lake ngati siili pachiwopsezo chamakampani ake.
Filosofi iyi ikugwirizana kwambiri ndi lingaliro la bizinesi moat. Rakesh Jhunjhunwala ndi wodziwika bwino ponena kuti amayang'ana mabizinesi okhala ndi moat yayikulu akamayika ndalama.
Moat ya kampani ikhoza kukhala chilichonse chomwe chimapangitsa kuti ikhale yopambana kuposa omwe akupikisana nawo, kaya ndi phindu lalikulu kapena mtengo wamtundu, kapena luso laukadaulo.
Chifukwa chake muyenera kuyang'ana makampani omwe ali ndi mwayi wina kuposa omwe akupikisana nawo.
6. Ikani ndalama mu stock isanakhale yotchuka
Rakesh Jhunjhunwala akuti si munthu amene angafune kukhala m’gulu la anthu. Ndi chikhalidwe chake basi.
Mwinamwake izo ziri mu majini ake kapena chinachake. Sakudziwa chifukwa chake amakonda kuima yekha ndikuchita zinthu mosiyana, koma ndi iye yekha.
Ngati muyang'ana mbiri yake pazaka izi, wakhala akulondola nthawi zambiri komanso zolakwika nthawi zina, koma kupambana kwake kwakukulu nthawi zonse kumabwera chifukwa chogula katundu wosakondedwa.
Iye wati nthawi zonse ndi bwino kugula nkhani za kampani pamene palibe amene akukamba za izo.
Ngati mukukhulupirira kuti kampaniyo ili ndi kuthekera kwakukulu, ziribe kanthu momwe ikugwirira ntchito, muyenera kuyesa kudziwa momwe yachitira pazaka ziwiri kapena zitatu zapitazi komanso zomwe zikuyembekezeka.
Ngati mupeza kuti ndiabwino, musade nkhawa kwambiri ndi zomwe ena amaganiza za stock iyi.
Zachidziwikire, ndikofunikira kuyang'ana ngati kampaniyo ili yolimba kapena ayi chifukwa masheya ena amawoneka otchipa koma sakhala okwera mtengo chifukwa pali china chake cholakwika ndi iwo.
Chifukwa chake pokhapokha mutadziwa ngati pali cholakwika ndi kampaniyo kapena oyang'anira ake, sindikuganiza kuti muyenera kuda nkhawa kwambiri ndi zomwe ena angaganize za kampaniyi.
Chifukwa chake, phunziro ndikupewa kuyika ndalama kukampani pomwe ogulitsa mumsewu nawonso ayamba kuyankhula.
7. Simungasinthe zakale, koma mutha kuphunzirapo kanthu
Rakesh Jhunjhunwala akuti kuyika ndalama kwamuphunzitsa zambiri za moyo. Iye akunena kuti cholakwa chilichonse chimene mupanga m’moyo ndi chokumana nacho kwa inu.
Mwachitsanzo, adayang'ana masheya monga Jet Airways, SpiceJet pamene akugulitsa pa Rs 100 pagawo lililonse, kapena Reliance Power pa Rs 500 pagawo ndipo ankaganiza kuti awa anali makampani akuluakulu koma adasanduka ndalama zoipa kwambiri.
Iye wati chomwe waphunzira pa zolakwa zake n’chakuti mabizinesi ena amapikisana kwambiri moti sangapindule, ndipo ngati olimbikitsa mabizinesi otere sakudzipereka mokwanira ndiye kuti ndi njira yobweretsera tsoka.
Rakesh Jhunjhunwala akunena kuti wapanga zolakwa zambiri pa ntchito yake koma sanganene kuti akunong'oneza bondo, chifukwa chalimbitsa mtima wake wolimbikira ntchito ndikudziwira yekha masheya abwino.
Monga wogulitsa ndalama, ndikuganiza kuti aliyense amene amaika ndalama ayenera kuthokoza chifukwa cha zotayika zake, chifukwa zimatiphunzitsa momwe tingapambane m'tsogolomu.
Nthawi zonse mukanong'oneza bondo chifukwa cholakwitsa, mutha kugwiritsa ntchito ngati mwayi wophunzira kuti mukhale Investor wabwino komanso munthu wabwino.
8. Sakani mabizinesi ang'onoang'ono omwe ali ndi luso lotsimikizika komanso kufunikira kwazinthu zawo
Monga wogulitsa ndalama, mutha kuthandizidwa bwino pofufuza mabizinesi ang'onoang'ono omwe ali ndi luso lotsimikizika, kufunikira kolimba kwa zinthu kapena ntchito zawo, ndi malo oti akule.
Mabizinesi awa ali ndi kuthekera kochulukitsa ndalama zanu nthawi zambiri.
Rakesh Jhunjhunwala ananena kuti amaona mmene zinthu zimayendera. Ngati awona kuti ku India kukudya kukuchulukirachulukira ndipo malondawo akufunika mtsogolo, ndiye amaika ndalama m'makampani amenewo.
Mwachitsanzo, adawona kufunika kwa malonda ndikuyika ndalama ku Delta Corp, kutengera ndondomeko yatsopano yamasewera yomwe boma lingathe kulimbikitsa bizinesiyo.
9. Palibe chabwino kapena cholakwika
Osunga ndalama ena amaganiza kuti otola masheya abwino kwambiri ndi omwe amachita bwino kwambiri. Komabe, ngati muyang’ana mbiri ya Jhunjhunwala, angakuuzeni mosiyana.
Mwachitsanzo, kumapeto kwa zaka za m'ma 90, adagula masheya monga Bhushan Steel ndi Punj Lloyd. Adalinso ndi chiyembekezo pa gawo la IT ndipo adayika ndalama zambiri m'masheya monga NIIT ndi Mastek.
Masheya onsewa adasulidwa mu 2001-02 pomwe kuwira kwa dot-com kudaphulika.
Chifukwa chake Rakesh wakhala akupambana ngakhale kuti akulakwitsa nthawi zambiri ndikuti amatha kuzindikira masheya omwe ali ndi 10-50 nthawi zochulukirapo kuchokera pamitengo yawo yamakono.
Kuchulukitsa udindo wake m'matangadzawa kwamuthandiza kuti awonjezere kubweza kwake.
Mwachitsanzo, adapeza ndalama zambiri ku Titan Industries pokweza udindo wake kuchokera pa Rs 14 pagawo lililonse kufika pa Rs 2,000 pagawo lililonse.
Momwemonso, kubetcha kwake pa Aurobindo Pharma ndi Lupine Ltd adalipiranso ndalama zambiri.
Mutha kukhala munthu wanzeru kwambiri padziko lonse lapansi koma osakhoza kupambana pamsika. Jhunjhunwala akuti Msika uli pamwamba panu. Msika ndi womveka.
Simungakhale anzeru kuposa msika. Msika ukhoza kuchita zinthu mopanda nzeru kwa nthawi yaitali, koma pamapeto pake udzachita zinthu mwanzeru.
Nthawi zonse muzilemekeza msika wogulitsa. Ngakhale mutaganiza kuti mwazindikira, nthawi zonse muziganiza kuti mutha kuchita chilichonse.
10. Kutsatira zisankho zamalonda zamalonda akuluakulu si lingaliro labwino
Rakesh Jhunjhunwala akuti muyenera kutsatira zoyambira osati mphekesera. Muyenera kuyang'ana zandalama, utsogoleri wamabizinesi, ndi kasamalidwe musanayambe kugulitsa masheya.
Ndi kulakwa kwa inu kutsatira zimene wina amachita chifukwa mwina si koyenera kwa inu.
Pali chodabwitsa kwambiri chokhudza nkhani zoulutsira nkhani, makamaka pankhani yopereka lipoti malingaliro azachuma.
Nthawi zambiri nkhani zankhani zazikuluzikulu zogulira katundu wina zimayamba atatuluka kapena akayandikira kugulitsa katunduyo.
Lingaliro ndiloti pomwe lipotili likufika pawailesi yakanema, omwe akhala akukwera malaya a osunga ndalamawa apeza kale ndalama zawo ndipo akukonzekera kubelo.
Mfundo imeneyi ndi yoona kwambiri pamene mwagwirizana ndalama kugawana nawo khumi omwe ali nawo kumapeto kwa kotala iliyonse. Izi ndi zabwino pa kafukufuku wowonjezera koma musanene kuti masheyawa agulidwe chifukwa thumba limodzi lawonetsa chidwi mwa iwo.
Pali kusiyana pakati pa kuwerenga za lingaliro la ndalama ndikuchitapo kanthu.
Simungathe kuchita zomwe amawerenga pazofalitsa mpaka atachita kafukufuku wanu komanso kulimbikira pamalingaliro atsopano omwe atuluka.
Mpaka pamenepo, muyenera kukhulupirira chibadwa chanu ndi kumvetsa kuti palibe chinthu monga ufulu nkhomaliro pakuika ndalama.
Mfundo ya moyo - yofunika kwambiri
Rakesh Jhunjhunwala nthawi zonse amanena kuti sanong'oneza bondo m'moyo. Amangolakalaka atakhala ndi zizolowezi zabwino komanso kuchita masewera olimbitsa thupi.
Osayiwala kuyika ndalama paumoyo wanu. Pali zinthu zingapo zomwe simungagule, ndipo chimodzi mwa izo ndi thanzi lanu.
Mutha kukhala ndi ndalama zonse padziko lapansi, koma ndizopanda phindu ngati mulibe thanzi kuti musangalale nazo.
Mawu Final
Pomaliza, ndikukhulupirira kuti mwapeza phindu pamaphunziro omwe ndagawana nawo.
Kuyika ndalama ndi chimodzi mwazida zambiri zomwe zingakuthandizeni kuti mukhale ndi chuma komanso kuti mukhale ndi ufulu wodziyimira pawokha pazachuma, ngakhale zimafunika kudziwa zambiri zazachuma komanso kulanga kuti muzichita bwino.
Koma ngati muli ndi lingaliro la nthaŵi yaitali m’maganizo, mukhoza kudzikonzekeretsa bwino mwa kukonzekera bwino ndi kukhala ndi chizoloŵezi chokhazikika.
Khalani osasinthasintha ndikukhalabe otanganidwa!
Siyani Mumakonda