Kana iwe uchida kubudirira mukudyara, zvakakosha kuti udzidze huzivi hwekudyara kwevanoisa mari.
Mumwe wevanodyara mari vakanyanya ndiCharlie Munger, akabatanidza ruzivo rwake rwebhizinesi neyakasiyana-siyana inonzwisisika hurongwa hwemunda wepfungwa uye akashandura iyo kuita nzira yekudyara iyo yakaita kuti akunde misika yakakura nehuwandu hunoshamisa.
Saka, pasina kutambisa nguva yakawanda, ngatidzidzei kubva kuzvidzidzo zvekudyara kubva kuna Charlie Munger mutariro yekukuzadza neruzivo rwakakura nezvekudyara kwemari.
Pfupi Nezve Charlie Munger
Hapana mubvunzo kuti Charlie Munger ndiye akanakisa uye mukurusa mari munyika.
Hupenyu hwake hwakafanana nebhaisikopo remuAmerican drama rakaiswa pane roller-coaster.
Kubva pakuva ane makore 19 okuberekwa kusiya chikoro kusvika pakuva Harvard alumni, muzvinabhizinesi mukuru, uye mukuru bhizinesi shamwari ye Warren Buffett kuBerkshire Hathaway, Charlie akaisa hupenyu hwake mukubudirira kukuru.
Chikwereti chese shure kwekubudirira kwake chinoenda kune nzira dzake dzekudyara, mukana wekuona nhamba nemagirafu, kuita sarudzo dzekuisa mariri, uye kubuda mairi nenzira kwayo. Parizvino, Charlie Munger ave kuda kusvika zana ramakore, uye pazera re98, kukosha kwake kuri pedyo neUSD 2.2 Bhiriyoni.
Chinonyanya kukosha, kubva munhoroondo yehupenyu hwake, haugone kuregeredza kutendeseka kwake, kushanda nesimba, uye mafungiro akanaka pakubata nematambudziko ehupenyu akaoma. Hazvinakidzi, zvinokurudzira, uye zvinokurudzira here? Hongu, ndizvo zvazviri.
Naizvozvo, zvinova zvinokosha kudzidza chimwe chinhu kubva munheyo dzake, chivimbo, kutsungirira, uye mafungire pamusoro pebasa ndokurishandisa kuita kuti upenyu hwedu hupfume sezvatinoshuva.
Zvino, ngatiendei kune zvine simba zvidzidzo zvekudyara kubva kuCharlie Munger's Philosophy.
Iyo Investment Philosophy yaCharlie Munger
Iye zvino zvandiri kutaura nezvehuzivi hwekudyara, ngatitaurei mamwe makotesheni nezvitendero zvakataurwa naCharlie Munger:
- Isu, vanhu, takarongwa kuti tifunge zvakapesana, saka paunenge uchironga mari, unofanira kutanga watarisa njodzi dziri mustock. Paunenge uchinge wakudziridza tsika iyi yekutsvaga zvikanganiso, pane imwe nguva, iwe unozopedzisira wawana yakaderera-ngozi uye zviri nani-kudzorera masheya.
- Kuve investor, iwe unofanirwa kugara uchitarisa pakuita kwebhizinesi pane kuita basa rekutungamira.
- Kuisa mari mubhizinesi rakatendeseka nguva dzose ndiyo nzira yakanakisisa yekuwana purofiti yakakwirira.
- Paunenge uchifunga nezvekudyara mustock kwenguva yakareba, iwe unofanirwa kuona bhizinesi rinenge riri pedyo-ku-kuenderana-kukura kuti uwedzere purofiti yako uye chengetedza mugove wako kuti usapinda mumaoko evakwikwidzi vako.
- Investment chinhu chisina chokwadi, chinoda kutarisisa, 100% kutarisira, kuvimba kune mhando, uye tsvagiridzo yako. Saka, iva nekutenda mukutsvagisa kwako, iva nemoyo murefu uye mirira mukana wakakodzera wekubvuta purofiti yakanyanya.
Zvitanhatu Zvinokosha Zvekudyara Zvidzidzo Kubva kuCharlie Munger's Investment Philosophy:
1. Kutendeseka:
Charlie Munger anotenda kuti kuva akatendeseka kwauri iwe nemumwe wako ndiyo nhanho yekutanga yekuwana budiriro yaunoda.
Pano, kutendeseka kunogona kutaurwa maererano nehupenyu kana bhizinesi. Hazvina mhosva kuti unoona sei mari, iwe unofanirwa kugara wakatendeseka nesarudzo dzaunoita, maonero ako, uye munhu wese waunobata naye.
Nezve musika wemasheya, kutendeseka nemasikirwo ako ndicho kiyi yekuwana kudzoka kuri nani.
Kwete izvozvo chete, kuitira kudyara kwakanyanya, iwe unofanirwawo kutsvaga kambani yakatendeseka yekuisa mari mairi kuti uve nechokwadi chekudzoka kwakanaka.
Muchiitiko ichi, chekudyara kwemari, kana kambani yauri kuisa mari mairi isina kutendeseka kune vanoisa mari, iyo inofungidzirwa kudzoka inogona kuve yekunyengera kana nemazwi akareruka, inotungamira mukutendeuka kwenhema.
2. Kushingirira:
Huzivi hwekudyara hwaCharlie Munger hunokurudzira varimi vanokura kuti varambe vari munzira yavo yekubudirira murwendo rwavo rwemusika wemasheya.
Hupenyu uye pamusika wemari ese ari maviri azere nekusaziva kwausingazive zvichazotevera uye kukanganisa fungidziro yedu, uye umo kubata nekusavimbika kwakadaro nematambudziko zvakare chikamu chemaitiro ekuva nani.
Kana iwe ukabatanidza maitiro ekugadzirisa matambudziko, zvinoreva zvakananga hunhu hwako uye inosarudza chinzvimbo chako, kungave sekukunda kana kukundwa.
Uye mumamiriro ezvinhu emusika wekutengesa, unhu humwe chete hunogona kumira, kusvika pakuguma ndiyo inokunda ine chivimbo chikuru.
Saka, ungaita sei kuti hunhu hwako huve hunokunda?
Hongu, nekuve mutambi wemusika anoenderera, kana nekuve nzombe yemusika kana bere remusika.
Chero hupi hunhu hwaunosarudza paunenge uchibata nemusika wemasheya, gara uine chinangwa chekushingirira muhunhu hwako, zvinangwa, kuvimbika, uye misimboti.
3. Kuzvimirira:
Munguva yerwendo rukuru urwu semutungamiri wemusika uye mutengesi akabudirira, Charlie Munger aigara achivenga kuzvinzwira tsitsi.
Sezvaunoziva, mumusika wemasheya, hapana chine chokwadi. Dzimwe nguva unotambira zvakawanda, uye dzimwe nguva unorasikirwa zvakanyanya. Mumamiriro ezvinhu asina kunaka, vanhu vazhinji vanowanzo tevera pesvedzero dzakaipa, dzakadai sekuvandudza tsika dzekunwa, tsika dzekuputa, nezvimwe.
Kudivi rakasviba remusika wemasheya, zviri pachena kuvanhu kuzvinzwira tsitsi, kurasikirwa nechivimbo, uye kukudziridza dzimwe tsika dzakawanda dzakaipa.
Munguva dzake dzerima mumusika wemasheya, Charlie Munger akange asina kumbobvira atamba chikamu cheakabatwa uye akazvinzwira tsitsi. Pane kudaro, zvaakaita kwaive kuongorora zvikanganiso zvake, mapofu ake mukufungidzira kwake, uye kuita kuti hwaro hwake husimbe, kuti asaone nguva iyoyo zvakare.
Nezvechiitiko ichi, Charlie akati, "Kana paine anogona kukubatsira munguva dzakaoma .... ndiwe."
Kuzvinzwira tsitsi nguva dzose kunoda kuva kadhi akabatwa uye kuwana tsitsi uye kutarisirwa kubva kuvanhu. Achiona kuipa kwekuzvinzwira tsitsi, Charlie akagumisa kuti kuzvinzwira tsitsi kune mumwe munhu kunotungamira kusvika padanho rakaipisisa rinogona kukanganisa munhu mupfungwa kana mune zvemari.
Naizvozvo, Charlie anoti vatengesi vese nevashambadziri vanofanirwa kuve nekutarisa pane yakanaka poindi mune equity yekutengesa pane kuona kure netsitsi.
Ipapo, akaenderera mberi, kana iwe ukawana purofiti kubva mukudyara kwako, pemberera, asi kana zvisiri, enda kune imwe mari kana kuti uzvizorodze nekuti kuomerera kune chimwe chinhu hakuzokupi chero mhedzisiro pane kutambisa nguva nesimba rako.
4. Kuzvibata:
Charlie Munger akambotaura mbiru nhatu dzekudyara kwemusika wemasheya, kusanganisira Honesty, Ethics, uye Discipline. Aya mbiru nhatu hadzingogumiri pakudyara kwemusika wemasheya asi dzinogona kuendeswa kune bhizinesi nehupenyu hwemunhu mamiriro.
Nezve bhizinesi, kutendeseka uye kurongeka maitiro nenzira ine hutsika kunogona kubatsira zvakanyanya kukura bhizinesi, kuunza hupfumi, hungwaru, hukuru hwezvivakwa, nezvimwe zvakawanda.
Uchishandisa aya matatu misimboti, chero investor uye mutengesi anogona kubata nepamusoro bar yemusika wemasheya uye kuwana kusununguka mumasimba emusika.
5. Nzira Yakanaka yeKudzidza Mazano Matsva:
Zvingave nezvekudyara mumusika wemasheya kana chero imwe nyaya yezvemari kana isiri yemari, mafungiro akanaka ekudzidza nzira nyowani dzekugadzirisa nyaya uye kugadzirisa matambudziko kunofanirwa kutarisirwa.
Mukuita ikoko, unogona kunge uchiverenga mabhuku asingaverengeki, uchiona mavhidhiyo enyanzvi dzezvidzidzo, uye kuverenga mablogiki ane chekuita nemaitiro akanaka.
Iwe unofanirwa kugara uchichengeta maitiro ekuvandudza uye kudzidza zvinhu zvitsva.
Charlie Munger anoti kune zvisingaverengeki mhinduro dziripo kune rimwe dambudziko, kubva kubva, mamwe magadzirirwo aunotoziva.
Asi vamwe iwe ungasaziva kuti ndeipi inogona kuva mhinduro yakanaka kana nzira yakanaka yekugadzirisa dambudziko kana uchienzaniswa neaunotoziva. Naizvozvo, mune iyi nyaya, iwe uchafanirwa kuzvichengeta iwe pachako uye nekupa dzimwe mhinduro kuyedza nekuchengeta vako vanozivikanwa parutivi.
Iyoyo nzira inoshanda kune yekudyara zano. Iwe haugone kugara uchishandisa nzira imwechete kune nzira dzekudyara kwakasiyana.
Mukutaura kwakapfava, yega yega yega yekudyara inoda nzira nyowani yemaitiro, uye mukuita izvi, iwe semuridzi wemari unofanirwa kutarisira.
6. Gadzira Rondedzero:
Semunhu anodyara mari, iwe unofanirwa kuseta zvimwe zvinangwa uye mabhenji iwe pachako uchironga kuisa mari mune chero stock kana kuenzana.
Sekureva kwaCharles, rondedzero yekudyara, inochengeta vanoisa mari mukuranga, uye ichasanganisira zvinotevera paramita:
- Ngozi: Target masheya ane njodzi dzakaderera kuchengetedza kana kudzoreredza mari yako kubva pakudzika.
- Kuzvimirira: Munzvimbo yekudyara, munhu wese anosima mari, chipangamazano, mumiriri, uye chipangamazano ane maonero akasiyana, uye kuve nekunetsana kwepfungwa navo kwakasikwa. Naizvozvo, iwe unofanirwa kutevera kudzidza kwako uye kugadzira nzira yako yekuwana budiriro mukudyara.
- Kutsvaga kusimudzira zvirinani mune ramangwana: Usati wadyara mune chero stock, iwe unofanirwa kuita tsvakiridzo yakakwana pane stock, senge:
- Chii chinoita kuti ive yakavimbika stock investment sarudzo?
- Ingozi yakawanda sei inobatanidzwa?
- Chii chinonzi kudzoka kana investment recovery ratio?
Uye mimwe mibvunzo yakawanda yakafanana.
Kuputira:
Charlie Munger akamboti -
“Gara uchitora mugwagwa wakakwirira, hauna vanhu vakawanda zvikuru!”
Nhasi, kana vanhu vachitsvaga dhiri rakanakisa rekuwana chimwe chinhu nemutengo wakanakisa asi zvakanaka kukanganisa ruzivo rwemhando yepamusoro, iwe semuridzi wemari unofanirwa kutevedzera nzira isina vanhu vakawanda apo chete vanofunga kwenguva refu varipo.
Saka, mukupedzisa, zvandinogona kutaura ndezvekuti, mari yekudyara chinhu chisinga fungirwe kwenguva pfupi. Kuti uende zvakachengetedzeka, kucherechedzwa kwenguva refu uye zvirongwa zvinodiwa kuti uwane mhinduro dzakarongwa.
Kuzvichengeta zvipfupi, ini ndichati, ziviswa, kushingaira, kuzvimiririra, uye kuronga kuve mutyairi akanakisa saCharlie Munger.
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