Warren Buffett ndiye munthu yemwe mwina adalimbikitsa kupanga mamiliyoni ambiri kuposa wina aliyense mzaka makumi asanu ndi awiri zapitazi. Warren Buffett ndi Investor wodziwika bwino yemwe ambiri amapitako kuti akalandire malangizo azachuma.
Funso lomwe ndimafunsidwa nthawi zambiri za Warren Buffett ndi "Kodi zinsinsi zake zachuma ndi ziti?"
Ngati mukuyang'ana kuyika ndalama m'magawo kapena mukufuna kukonza njira zomwe muli nazo pano, muyenera kuwerenga nkhaniyi kuti mumve zambiri kuchokera kwa m'modzi mwa osunga ndalama kwambiri nthawi zonse.
Warren Buffett wamkulu ali ndi maphunziro ambiri kwa osunga ndalama. Nazi zisanu ndi zinayi mwa zazikulu zake.
1. Monga wogulitsa ndalama, muyenera kuyesetsa kuonetsetsa kuti ndalama zanu zasungidwa.
Warren Buffett akunena kuti kusunga ndalama kuyenera kukhala chinthu chofunika kwambiri kwa Investor; izi zikutanthauza kuti mukapanga malonda oipa, tulukani. Osachita mantha ndipo sungani malo anu.
“Lamulo 1: Osataya ndalama. Lamulo Nambala 2: Osayiwala Lamulo Nambala 1”
The malonda akhalire amasinthasintha mmwamba ndi pansi kwambiri chifukwa cha zinthu zambiri. M’pofunika kuika maganizo pa homuweki yanu, kupeŵa chiyeso chotsatira khamu la anthu.
Ngati bizinesi ili ndi kuthekera kokulirapo, khalani okhazikika ngakhale m'misika yoyipa kwambiri kuti mupeze phindu lomwe misika ikatembenuka.
2. Ndi bwino kugula bizinesi yabwino pamtengo wokwanira kusiyana ndi kugula bizinesi yapakati pamtengo wapamwamba.
Ndilo phunziro loyamba lomwe Warren Buffett amalimbikitsa kwa anthu omwe akufuna kuphunzira za ndalama. Zikuwoneka zophweka mokwanira, koma ndizovuta kwambiri kuti osunga ndalama azitsatira.
Otsatsa ndalama amapanga zisankho zamalingaliro. Amadzifunsa kuti, "Ndilipira zingati pabizinesiyi?"
Koma ayenera kufunsa kuti "ndalama izi ndi ndalama zingati?"
Muyenera kusankha kuti ndinu wokonzeka kulipira ndalama zingati, kenako n’kupeza kuti ndi ndalama zingati. Ngati mtengo wake ndi wotsika kuposa mtengo wake, gulani. Ngati sichoncho, musagule.
"Ndi bwino kugula kampani yabwino kwambiri pamtengo wabwino kusiyana ndi kampani yabwino pamtengo wabwino kwambiri"
Pali zinthu ziwiri zomwe muyenera kuchita: choyamba, muyenera kuwona makampani osafunikira; chachiwiri, muyenera kudziwa ngati ali ndi mwayi wokulirapo.
3. Mwina ndi nthawi yabwino yogula ngati anthu ena akufunitsitsa kugulitsa komanso mosiyana.
Ngati mukukayikira malangizowa, simuli nokha.
Mwinamwake mudamvapo kale, kapena kusiyana kwina kwa izo.
Koma ngati mukuganiza za tanthauzo la mawuwa, ndi zomwe zimafunika kuti muchitepo kanthu, zinthu zimakhala zosangalatsa kwambiri.
Kodi umbombo ndi mantha ndi chiyani?
Ndipo timadziwa bwanji pamene mantha athu ali chinthu chabwino?
Warren Buffett akusonyeza kuti mantha anu azibwera chifukwa cha kumvetsa kwanu momwe anthu angachitire ndi chinachake.
Anthu sangachite mantha ndi zimene sakuzimvetsa.
Chifukwa chake ngati mukufuna kuyika ndalama pazinthu zomwe anthu amawopa, choyamba, muyenera kumvetsetsa chifukwa chomwe amawopa.
Ngati mantha awo alibe nzeru, yesetsani. Ngati mantha awo ali omveka, musagwiritse ntchito ndalamazo.
“Opani pamene ena ali adyera ndi aumbombo pamene ena ali ndi mantha”
Kuti mukhale Investor contrarian ngati Buffett, muyenera kukhala okonzeka kutsutsana ndi nzeru wamba. Izi ndizovuta kwa anthu ambiri chifukwa timafuna kutsatira unyinji.
4. Stock Market ndi chipangizo chotumizira ndalama kuchokera kwa wosapirira kupita kwa wodwala.
Warren Buffett akuti muyenera kukhala okonzeka kukhala ndi katundu kwa nthawi yayitali.
Ndipo ngati simumasuka nazo, simuyenera kukhala nazo konse.
Phindu la kuyika ndalama kwa nthawi yayitali ndikutha kugwiritsa ntchito mwayi wophatikiza.
Mukakhala ndi ndalama kwa nthawi yayitali, mutha kupeza ndalama pabizinesi yanu yoyamba komanso pakubwezeretsanso malipiro ndi magawo opeza ndalama.
M'kupita kwa nthawi, ndalama zowonjezerazi zimagwira ntchito ngati chipale chofewa chotsika, kusonkhanitsa kukula ndi liwiro mpaka kukhala chuma chambiri.
"Ngakhale talente kapena kuyesetsa kwakukulu bwanji, zinthu zina zimangotenga nthawi. Simungathe kubala mwana m’mwezi umodzi mwa kutenga mimba kwa amayi asanu ndi anayi”
Simungagwire pamwamba ndi pansi pa msika nthawi zonse, kotero musayese.
Ikani ndalama mukatsimikiza za mtengo wakampani. Ngati mumagula masheya abwino pamitengo yabwino, mudzalandira mphotho pakapita nthawi.
5. Sungani ndalama pokhapokha mutatha kufotokoza chisankho chanu momveka bwino komanso mogwira mtima.
Mukayika ndalama kukampani, mukugula bizinesi ya konkriti, yomwe ili ndi mphamvu ndi zofooka zake zapadera.
Warren Buffett akuti muyenera kumvetsetsa bizinesi musanayike ndalama. Ngati simungathe kuchita zimenezo, ndiye kuti ndizovuta kwambiri kwa inu.
Simungamvetsetse chifukwa cha ndalama ndipo simudzadziwa misampha yomwe muyenera kuyang'ana. Zidzakhala mwayi chabe ngati mutapanga ndalama pazogulitsa zanu, ndipo mwayi wosayankhula posachedwapa udzatha.
"Ngozi imabwera chifukwa chosadziwa zomwe mukuchita"
Mwachitsanzo, Buffett sanaikepo ndalama m'makampani aukadaulo chifukwa samamvetsetsa.
N’kutheka kuti anawerenga zambiri zokhudza makampani a zaumisiri, koma sanamvetse bwino mmene chuma chamakampaniwo chimakhalira.
Anaphonya ndalama ku Amazon, Google, Facebook, ndi ena ambiri, koma mwina adapewanso otayika.
6. Musalole kuti maganizo anu alowererepo.
Buffett amangoganizira za zolephera zambiri zamabizinesi.
Malangizo a Warren Buffett kwa osunga ndalama ndi osavuta: gulani makampani abwino ndikugwiritsitsa.
Ngati mungakhale odziletsa komanso osachita mantha pamene msika ukutsika, mudzakhala olemera posakhalitsa.
"Mkhalidwe wofunikira kwambiri kwa wogulitsa ndalama ndi kupsa mtima, osati luntha"
Buffett akuti kupsa mtima ndi khalidwe lofunika kwambiri la Investor osati luntha.
Muyenera kulamulira maganizo osamveka bwino. Muyenera kukhala oleza mtima komanso odziletsa ndipo mutha kuvomereza zopinga popanda kuvulazidwa.
Mufunika luso kuti musalole zolakwa zikuvutitseni.
Muyenera kukhala ndi luso lochita zinthu mosiyana kwambiri ndi mmene anthu ambiri amachitira. Simukuyenera kukhala anzeru kuti mupange ndalama m'matangadza.
Koma muyenera kuchita mosiyana ndi munthu wamba.
7. Chinsinsi cha kuyika ndalama ndikumvetsetsa kufunika kwa chinthu.
Lingaliro la ndalama zamtengo wapatali linatchuka ndi Benjamin Graham ndi wophunzira wake Warren Buffett.
Kuyika ndalama zamtengo wapatali kumakhudzana ndi mfundo ziwiri zazikuluzikulu - kuwerengera mopanda mtengo komanso kuchulukitsa:
Stock sichimawerengedwa ngati ikugulitsidwa pamtengo wotsika kuposa mtengo wake weniweni.
Kumbali ina, pamene katundu ali malonda pamtengo wokwera kuposa mtengo wake wamkati, ndi wamtengo wapatali.
Warren Buffett amakonda kuyika ndalama chifukwa amakhulupirira kuti zimamupatsa malire achitetezo pazogulitsa zake.
Izi zikutanthauza kuti ngakhale katundu atatsika, amakhalabe ndi malo opangira ndalama chifukwa adagula motchipa.
“Mtengo ndi umene umalipira. Mtengo ndi zomwe umapeza"
Pakatikati pa mtengo wamtengo wapatali ndikukhulupilira kuti mtengo ndi mtengo sizofanana.
Warren Buffett akuwonetsa kugula masheya pamtengo wotsika kwambiri ndikuyang'ana makampani omwe ali ndi zikhazikitso zamphamvu (zogulitsa, zopeza, ndi kutuluka kwandalama) koma osakomera kapena kunyalanyazidwa mitengo yagawo.
Amakhulupirira kuti ndizotheka kupeza mitengo yamtengo wapatali iyi pamsika.
Pali zifukwa zingapo zomwe mtengo wamakampani udzatsikira mtengo wake - ndipo chimodzi mwazinthu izi chikayamba kuchitika, muyenera kupeza mwayi wogula katunduyo pamtengo wamtengo wapatali.
8. Konzekerani zam'tsogolo, osadzineneratu.
Ambiri amalonda akuyesera kugula masheya omwe adzakwera, Warren Buffett adanenapo.
Saganiziranso ngati mitengoyo ndi yovomerezeka ndi maziko abizinesi.
Vuto ndiloti ngakhale mutadziwiratu zomwe anthu ena amaganiza, sizingakuthandizeni chifukwa mwa tanthawuzo theka la anthu amaganiza mosiyana-ndipo palibe njira yodziwira kuti theka lolondola ndilotani.
“Kulosera mvula sikumawerengera, zomanga zombo”
Warren Buffett akuti simuyenera kuda nkhawa ndi kusinthasintha kwa tsiku ndi tsiku kwa msika.
Simuyenera kuda nkhawa ndi zomwe chuma chidzachita chaka chamawa kapena chaka chotsatira.
Mumayika pamodzi mbiri yamakampani omwe mukuganiza kuti angachuluke pamtengo wokulirapo kuposa msika, ndipo bola ngati apitiliza kuchita izi muchita bwino.
9. Yambanipo kale kusiya nthawi yochulukirapo.
Kuphatikizika ndi mphamvu yamphamvu kwambiri m’chilengedwe chonse. Chinthu chachikulu pakuphatikizana ndikuti zimatengera china chake, chofanana ndi matsenga.
Buffett ndi wotchuka chifukwa chonena kuti nthawi yomwe amamukonda kwambiri ndiyosatha.
Chuma chake chakula kwambiri, ndipo m'zaka 10 zapitazi adapeza ndalama zambiri kuposa zaka 50 zapitazo.
"Ndinapanga ndalama yanga yoyamba ndili ndi zaka khumi ndi chimodzi. Ndinawononga moyo wanga mpaka pamenepo”
Kuphatikizira kumagwira ntchito bwino mukayika ndalama mwachangu komanso nthawi zambiri komanso kwa nthawi yayitali.
Izi zikutanthauza kuti muyenera kuganizira kuyika ndalama mukakhala ndi ndalama zowonjezera.
Osadikirira mawa kapena chaka chamawa kapena mpaka mutakwaniritsa zolinga zanu zina chifukwa nthawi idzakuchitirani theka la ntchito ikafika pakuwonjezera.
Kutsiliza
Warren Buffett wasintha momwe anthu amawonera ndalama.
Maphunziro ake samangokhudza ndalama zokha, komanso pafupifupi mbali zonse za moyo.
Iye wakhala akuyesetsa kumvetsa mmene angapangire ndalama zabwino, ndipo malangizo ake angatithandize kupanga zosankha mwanzeru m’mbali zonse za moyo wathu.
Kwa novice kapena veterans, njira za Buffett zitha kupereka chidziwitso pazachuma.
Maphunziro a Oracle a Omaha alipo kuti atenge, ngati tingomvera ndi kuphunzira.
Siyani Mumakonda