Ray Dalio ndomumwe wevane tarenda rekudyara mari munyika uye muvambi weakabudirira hedge fund - Bridgewater Associates.
Kubva panheyo kusvika munaKurume 2021, Bridgewater Associates yaive inosvika mabhiriyoni zana nemakumi mana emadhora muzvinhu zviri pasi pemanejimendi. Maererano ne Forbes article, Mambure aRay Dalio akaverengerwa kunosvika 20 bhiriyoni USD.
Ray akaita mabhiriyoni ake nekudzidza kubva kare uye nekuita mari kubva pane zvaakawana. Murwendo rwake rwese semuridzi wemari, Ray Dalio aitenda uye achiri kutenda mukuwana purofiti kubva kuzvitoro zvinodhura zvekuisazve pane kushandisa nzira yekutenga nekubata.
Ray Dalio's investment philosophies iri nyore nyore. Asi izvo zvingaite sezviri nyore pakutanga inzira yakaoma kupfuura yaungafunga.
Iwe unogona kuwana zvakawanda nezvezvaanotenda nezve stock market investment mumabhuku ake, Principles (2017), Nheyo dzeKubata nekuchinja kwenyika kurongeka (2021), uye Misimboti Yekufambisa Matambudziko Makuru Chikwereti (2018).
Mumabhuku aya, akataura nezvezviitiko zvake zvekuisa mari pamusika wemasheya, zvikanganiso zvake, magadzirisiro aakaita kukanganisa kwake, uye zvimwe zvidzidzo zvakakosha zvekuve investor akanaka.
Ndinoziva kuti wauya pano kuzotsvaga nzira dzakasimbiswa dzekuve investor ari nani; usazvidya moyo! Ndakakufukidza.
Ndakaverenga mabhuku aya akanyorwa naRay Dalio uye ndikaunganidza zvidzidzo zvake zvekuisa mari pamusika wemasheya zvaunofanira kuziva.
Saka, ngatinyure munyika yekudyara sezvakakurudzirwa naRay Dalio.
1. Nheyo Dzinokosha
Mubhuku rake-Misimboti, Ray akataura kuvimba nemisimboti yakamubatsira kutakura basa rakabudirira rekudyara mari kuburikidza nekuita sarudzo. Ray akamboti,
“Pasina misimboti, unomanikidzwa kuita maererano nemamiriro ezvinhu anouya kwauri usingafungi kuti chii chaunonyanya kukoshesa uye kuti ungaita sei sarudzo kuti uwane zvaunoda. Izvi zvingakutadzisa kuita zvakawanda muupenyu hwako.”
Kana uine nheyo, dzinotungamirira zviito zvako. Izvo zvinotarisirwa kudzikamisa huwandu hwekuita sarudzo hunofanirwa kuitwa mukati memhirizhonga kuitira kuti sarudzo dziitwe nekukurumidza uye nemazvo. Nheyo dzakagadzirirwa kukubatsira kuita sarudzo dzakanakisa dzinobvira mumamiriro akasiyana siyana.
Iko hakuna nzira yekudzivirira kukanganisa mukudyara, asi kuve nemisimboti mikuru kunogona kukubatsira kuderedza kuwanda kwavo uye kusimba.
Ray Dalio ari kuyedza kutaura nekutaura pfungwa dzakadai kuti, murwendo rwako sekudyara, unofanirwa kugara -
- Tsanangura zvaunoda
- Tsvaga midziyo yako chaiyo kana masheya ekudyara mauri nekutendeseka pane zvaunoda
- Ronga nzira yekudyara kuti uwane kudzoka kunofungidzirwa
- Gara wakatsunga kune yako yekudyara zano uye unakirwe nekubudirira kwako uye nehupfumi hwekudyara hupenyu.
2. Tsvakurudza Wako
Kubva paudiki, Ray akaita tsika yekuburitsa magazini akawanda achitaura nezvawo uye achiratidza migumisiro yegore negore yekubudirira kwemakambani ehupfumi uye magirafu ekudonha. Mushure mekuita kuunganidza kwake data nezvemakambani, aiwanzoona masheya ekudyara mukati uye kugadzira yake yakasarudzika, yega yega nzira yekudyara.
Maonero ake ekuita zvidzidzo zvake ega kuti awane budiriro yakakonzera kutungamira kukuru paBridgewater Associates.
Ray Dalio akamboti,
"Kuti uite mari mumisika, unofanirwa kufunga wakazvimirira uye kuzvininipisa"
Hazvigoneke kuziva zvese nezve chero chinhu, asi zvakanyanya kutadza kuziva zvese nezve chimwe chinhu chakaoma uye chakashata sehurongwa hwemari hwepasi rose. Saka iwe unofanirwa kuita pfungwa dzako pamusoro pezvinhu, zvinoreva kuti haugone kungovimba zvaunoudzwa nevamwe vanhu. Unofanira kuzvifunga iwe pachako.
Saka, saRay Dalio, usawira kutsvagurudzo yemumwe munhu usingaite yako kuti uwane yako yakasarudzika budiriro.
3. Iva Nekambani Nevanhu Kwaunogona Kudzidza Chimwe Chinhu Chitsva
Murwendo rwake rwekutanga investor, Ray Dalio aigara achigadzirira uye achibvunza mibvunzo kune vanoisa mari yaaiona akanaka pabasa ravo. Akanga achitsvaga kuti vanoisa mari vachifunga nezveramangwana rehupfumi nemisika, sezvaanoita iye zvino.
Nokufamba kwenguva, akakudziridza iyi muitiro kuva nzira yakarongeka yokufunga pamusoro penyika uye kuti zviitiko zvipi zvingangoitika mairi nokukudziridza bumbiro remitemo raizomubatsira kuita izvi.
Iyi nzira yekufunga nezvenyika yakatungamira mukubudirira kwake kukuru kwekudyara paakafanotaura nekudyara munzvimbo ye stagflation yakatanga muna 1968.
"Tsvaga vanhu vane mibvunzo yakawanda yakanaka. Vanhu vakangwara ndivo vanobvunza mibvunzo ine musoro, kusiyana nekufunga kuti vane mhinduro dzese. Mibvunzo mikuru chiratidzo chiri nani chekubudirira mune ramangwana pane mhinduro huru."
Dalio haana kumbobvira agadzira huwandu hwemabasa, saka zvinoreva kuti kunyangwe mugeri, mubiki, kana mutungamiriri wezvivakwa anogona kunge ari investor akanaka. Aitenda mukufunga kupfuura vamwe vese. Akashandisa nzira yake yekufunga kutsvaga nzira chaiyo yekuferefeta masheya, kutora sarudzo yakanaka uye kuita purofiti yepamusoro.
Saka, kana iwe ukaona chero investor achiita basa rake nemazvo, gara uchimubvunza mimwe mibvunzo, inogona kukubatsira kuvandudza nzira dzako dzekudyara uye kukubatsira kuwana purofiti iri nani.
4. Iva Analytical Kuti Uwane Future Success
Hazvina kufanana nevese vakabudirira vanoisa mari vanogara vachiwana budiriro mukudyara kwavo.
Kwete, kwete! Asi vaive nemazinga akanyanya echokwadi mukufanotaura kukura kwekambani yavakaisa mari mairi. Vakaita zvikanganiso munguva yavo yakapfuura, asi vanogara vachida kuongorora zvikanganiso zvavo uye kudzidza kusazvidzokorora. Uye Ray agara achitsigira maitiro ekuita sarudzo kuburikidza nekunyatsoongorora.
Ray, kubvira achiri kuchikoro, akadzidza kubvuma kukundikana kwake somugumisiro wezvikanganiso zvake kana kuti zvevamwe. Aigara achitora kukundikana senzira yakanaka yekugadzirisa zvikanganiso uye kuve yakatonyanya kushanda mukufanotaura kubudirira kwekudyara.
Imwe yemakiyi makuru ekuwedzera kugona kuve wakasununguka nekutadza. Vanhu vakawanda vanotya kukundikana nokuti vanoda kudzivisa kutarisa zvakaipa kana kunzwa kunyara. Asi kana iwe ukakwanisa kukunda kutya ikoko, saka iwe unogona kudzidza nekukurumidza, kuvandudza nekukurumidza uye kuenda kupfuura miganhu yako yazvino.
Saka, gara uchigamuchira kusasimba kwako, ongorora, dzidza kubva mazviri, uye nyatso budirira nguva inotevera yekuwana budiriro. Usambonyara nekukanganisa nekuti zvikanganiso ndizvo zvinoita basa rinoshanda mukugadzira PRO yako murwendo rwako rwekudyara.
5. Gadzira Yako Investment Portfolio Yakazara Nekusiyana
Nekuongorora maitiro aRay ekudyara, ndakafunga kuti aitenda mukutsvaga mikana yekudyara muzvikamu zvakasiyana pane kutarisa kune imwechete yechinhu mhando. Kunyangwe kuBridgewater Associates, akakwanisa kuvaka portfolio yakasiyana-siyana ine yakasanganiswa asset kugoverwa.
"Chinhu chinonyanya kukosha chaungave nacho ndeye yakanaka strategic asset allocation mix. Saka, zvinofanirwa kuitwa nemudzvanyiriri kuve neyakagadzikana, yakarongeka portfolio - portfolio inoita zvakanaka munzvimbo dzakasiyana. Ee handizivi kuti tichakunda. Tinofanirwa kuve nemabheti akasiyana."
Pfungwa huru yediversified investment portfolio ndeyekudzikisa njodzi. Sei? Nekudyara mumhando dzakasiyana siyana dzekudyara, unokwanisa kudzikisira njodzi dzako dzekurasikirwa nemari mumhando imwe yekudyara pasina kudzikisa kudzoka kwako kwese.
Iwe unogona zvakare kuwedzera chiyero chaunowana mari nekuwedzera mhando itsva uye dzakasiyana dzekudyara kune yako portfolio. Iwe unogona zvakare kuderedza njodzi nekuita shuwa kuti makambani kana mamwe masangano aunodyara mariri anoshanda mumaindasitiri akasiyana uye kushandisa akasiyana ekushandisa. Nenzira iyo, kana indasitiri imwe, senge indasitiri yemotokari, ikauya panguva yakaoma yehupfumi, unenge uchine imwe mari isingakanganiswe nehupfumi husina kunaka.
A diversified portfolio haifanire kusanganisira masheya emakambani akasiyana, asiwo mabhondi uye itirana mari. Ungada kuwedzera musha kune yako yekudyara portfolio kana uine capital yekuita kudaro. Real estate chinhu chinobatika chinogona kutengeswa nemari uye chinogona kurendwa iwe wakabatirira pachiri kuti uwane mari.
Mamiriro ako ega ega anozoraira kuti yakanyatso-siyana-siyana portfolio inotaridzika sei kwauri. Iyo yakawanda mari yauinayo yekudyara, yakawanda sarudzo iwe yauchavapo yekuparadzira njodzi dzako.
Saka, paunenge uchidyara mumasheya, gara uine chokwadi chekuti masheya ako akanyatso dzikama uye akarongwa maererano neindasitiri. Iyi portfolio ichakubatsira iwe kuwana purofiti kubva kune chimwe chikamu kana imwe chikamu chikasangana nekurasikirwa.
6. Isai Munzvimbo Dzako Dzinofarira
Ray anogara achiti,
"Ngozi inokura kubva pakusaziva zvauri kuita."
Kudyara kwemusika wemasheya kunoda kudzidza kwakadzama, uye nekuda kweizvozvo, kufarira kwako kuziva nezveimwe mhando kunodiwa. Kana iwe usingafarire imwe stock, haugone kuzama zvakadzama nezve kambani sezvaunoona ichifinha kana kuremedza, saka tsvaga kambani ingangokufarira.
Warren Buffett, muchengeti mukuru wenguva dzese, anotsigirawo kuisa mari muzvinhu zvaunonzwisisa. Izvi zvinobva padzidziso yokuti kana ukasazvinzwisisa, haugoni kuzvifembera, uye kana usingagoni kuzvifembera, hauzivi kana zvisingakosheswi.
7. Usambofa Wakava A Reactive Sarudzo-Mugadziri
Mumusika wekutengesa, hapana chine chokwadi - kune mazuva apo kambani inowana girafu inofambira mberi uye inodonha. Saka, kana kambani ichiita zvakanaka ikaerekana yawira pasi - usaite simba kudzosa mari yako nekutengesa masheya papurofiti huru, asi vimba netsvakiridzo yako, namatira pazviri, uye tsvaga purofiti yako.
Ray Dalio akamboti,
Unogona kufananidza chiitiko ichi kune yazvino yeRussia-Ukraine yehondo mamiriro apo musika wepasi rose wakaputsika. Vazhinji vatengesi vakatora mukana wekuparara kwekutenga masheya mumakambani akanaka pamitengo yematombo, uye vamwe vakadonhedza misodzi pavakatengesa masheya avo nekurasikirwa.
Saka, mumamiriro ezvinhu akadaro, gara uine chikamu chekutanga chemuridzi wekutsvaga mikana kunyange mukuderera kwemusika nekutsvakurudza kwako kwakasimba kuti uwane purofiti yepamusoro mune ramangwana.
8. Zvese Zvine Expiry Date
Vazhinji vanoisa mari vanoita zvikanganiso nekufunga chiitiko chimwe chakaipa semhedzisiro yehupenyu.
Ray Dalio haatendi mune zvinotendwa zvakadaro; anoti - hapana chinogara nekusingaperi, kana kubudirira kana kuwa. Kana iwe uine chokwadi nezve tsvagiridzo yako uye kufunga, iwe unowana budiriro, asi kusava nechokwadi kwako kumwe chete mukutsvagisa kwako kunogona kuita kuti usangane nekudonha kwako.
Zvakare, masheya aimbopa purofiti yepamusoro munguva yakapfuura anogona kusakupa kudzoka kwakafanana mune ramangwana.
“Mukutengesa unofanira kuzvidzivirira uye kuita zvehasha panguva imwe chete. Kana usina hasha, hausi kuita mari, uye kana ukasadzivirira, hausi kuzochengeta mari.”
Ray anoda kuti iwe uzive kuti kana iwe wadyara muchitoro, iva nechokwadi chekutarisa kufambira mberi kwekambani nguva zhinji. Nenzira iyo, kana kambani iri kuenderera mberi nehurongwa, iwe uchaziva kuti tsvakiridzo yako yaive yechokwadi. Asi kana kambani iri kusangana nematambudziko, unogona kutora mari yako kumwe kunhu. Ziso rinoshanda renzvimbo dzako dzekudyara ndiro kiyi yekuve mushambadzi anobudirira.
Summing Up
Saka, kubva parwendo rwekudyara rwaRay Dalio, heano ako akakosha ekutora:
- Tsanangura misimboti, itevere kusvika kumagumo, uye usambokurirwa netsvakiridzo inonakidza isiri yako.
- Dzidza kubva pakukanganisa kwako kuita mari yakanaka.
- Usambofa wakasarudza nzira yakashata, asi nzira ine zvakawanda zvinoshamisa, asi inogutsa uye inobatsira.
- Tsvaga zvaunofarira uye gadzira zvinhu zvako.
- Iva anoongorora, uye dzidza kubva pane zvaunokanganisa. Zvakanaka kukanganisa, kuwana kubudirira.
- Usambofa wakamhanyira kune zvisarudzo munguva yedambudziko, kunyanya mumusika wemasheya.
- Rangarira, kubudirira kwako uye kudonha ndezvenguva pfupi.
Ini ndinokurudzira kuti udzokorore izvi zvidzidzo zvekudyara kubva kuna Ray Dalio mune yako yemazuva ese maitiro uye uve anobudirira mushambadzi wemusika wemari.
Ndinotenda mukugovana ruzivo iyo nharaunda inofanirwa kuziva nezve stock market investment. Kana iwe uine chero kusahadzika nezvehuzivi hwekudyara kwaRay Dalio, inzwa wakasununguka kubvunza, ndingafara kujekesa kusahadzika kwako uye kukubatsira iwe kuvaka yako investor basa.
Kufara kuisa mari!
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