Warren Buffett ndiye murume angave akakurudzira kusikwa kwemamiriyoni akawanda kupfuura chero ani zvake mumakore makumi manomwe apfuura. Warren Buffett mushambadzi ane mukurumbira uyo vazhinji vanotendeukira kwaari kuti vawane zano rekudyara.
Mubvunzo wandinobvunzwa kazhinji nezveWarren Buffett ndewekuti "Ndezvipi zvakavanzika zvake zvekudyara?"
Kana iwe uri kutsvaga kuisa mari mumasheya kana kuti uchida kuvandudza yako yazvino maitiro, iwe unofanirwa kuverenga chinyorwa ichi kuti uwane imwe kurudziro kubva kune mumwe wevakanyanya vatengesi venguva dzese.
Iyo huru Warren Buffett ine zvidzidzo zvakawanda kune vanoisa mari. Heano vapfumbamwe vevakuru vake.
1. Semuridzi wemari, unofanirwa kuedza kuve nechokwadi chekuti mari yako yakachengetedzwa.
Warren Buffett anoti kuchengetedzwa kwemari kunofanirwa kuve kwekutanga kune investor; izvi zvinoreva kuti kana waita kutengeserana kwakashata, buda. Usavhunduka uye bata nzvimbo yako.
“Mutemo Nha. 1: Usambofa wakarasikirwa nemari. Mutemo Nha. 2: Usambofa wakakanganwa Mutemo Nha.
The pamusika wemari inotenderera ichikwira nekudzika zvakanyanya pakuda kwezvinhu zvakawanda. Zvinokosha kuti urambe wakaisa pfungwa pabasa rako rechikoro, uchidzivisa muedzo wokutevera mhomho.
Kana bhizinesi riine hukuru hwekukura, gara wakadyarwa kunyangwe mumisika yakaipisisa kuti uwane mabhenefiti akanakisa kana misika ikatendeuka.
2. Zviri nani kutenga bhizinesi guru nemutengo unonzwisisika pane kutenga bhizinesi repakati nemutengo mukuru.
Ndicho chidzidzo chekutanga Warren Buffett anokurudzira kune vanhu vanoda kudzidza nezvekudyara. Zvinoita sezviri nyore, asi zvakanyanya kuoma kuti vanoisa mari vatevere.
Vashandi vanoita zvisarudzo zvepfungwa. Vanozvibvunza kuti "ndichabhadhara marii pakudyara uku?"
Asi ivo vanofanirwa kunge vachibvunza kuti "imarii iyi yekudyara?"
Iwe unofanirwa kusarudza kuti imarii yaunoda kuibhadhara, uye woona kuti yakakosha sei. Kana mutengo wakaderera pane mutengo wawo, endai mundoutenga. Kana zvisina kudaro, usazvitenga.
"Zviri nani kutenga kambani yakanaka nemutengo wakanaka pane kambani yakanaka nemutengo wakanaka"
Pane zvinhu zviviri zvaunofanira kuita: chekutanga, unofanirwa kuona makambani asina kukosheswa; chechipiri, unofanira kuona kana dziine mukana wakanaka wokukura.
3. Zvichida inguva yakanaka kutenga kana vamwe vanhu vachishuva kutengesa uye zvakasiyana.
Kana usina chokwadi nezvezano iri, hausi wega.
Iwe wakambozvinzwa kare, kana zvimwe zvakasiyana-siyana zvayo.
Asi kana iwe ukafunga nezvezvinoreva kuseri kweichi quote, uye izvo zvinotora kuita pazviri, zvinhu zvinowedzera kunakidza.
Makaro uye kutya chii?
Uye tinoziva sei kana kutya kwedu chiri chinhu chakanaka?
Warren Buffett ari kuratidza kuti kutya kwako kunofanira kubva mukunzwisisa kwako kuti vanhu vachaita sei kune chimwe chinhu.
Vanhu havangatyisi nezvavasinganzwisisi.
Saka kana iwe uchida kuisa mari mune chimwe chinhu vanhu vanotya, chekutanga, unofanirwa kunzwisisa kuti sei vachichitya.
Kana kutya kwavo kusina musoro, isa mari mazviri. Kana kutya kwavo kuine musoro, usadyare mariri.
“Itya kana vamwe vachikara uye vachikara vamwe vachitya”
Kuti uve mudzvanyiriri anopikisa saBuffett, unofanirwa kuve wakagadzirira kupesana nehuchenjeri hwakajairika. Izvo zvakaomera vanhu vazhinji nekuti isu tine waya yekutevera mhomho.
4. Stock Market mudziyo wekuendesa mari kubva kune asingashiviriri kuenda kumurwere.
Warren Buffett anoti iwe unofanirwa kuve wakagadzirira kubata stock kwenguva refu.
Uye kana iwe usinganzwe wakasununguka nazvo, haufanirwe kuve yako zvachose.
Kubatsira kwekudyara kwenguva refu ndiko kugona kutora mukana wekubatanidza.
Kana iwe ukabata investimendi kwenguva yakareba, unogona kuwana mari pakudyara kwako kwekutanga pamwe nekudzoreredza zvikamu uye kugoverwa kwemari inowanikwa.
Nekufamba kwenguva, idzi mari dzekuwedzera dzinoshanda sebhora rechando richikunguruka kudzika, kuunganidza saizi nekumhanyisa kusvika yave hupfumi hwakawanda.
“Kunyangwe tarenda kana kuedza kwakakura sei, zvimwe zvinhu zvinotora nguva. Iwe haugone kuzvara mwana mumwedzi mumwe chete nekupa pamuviri pavakadzi vapfumbamwe”
Iwe haugone kubata kumusoro uye pasi pemusika nguva dzose, saka usaedze.
Chengetedza kana iwe uine chokwadi nezve kukosha kwekambani. Kana iwe ukatenga masheya akanaka pamitengo yakanaka, iwe uchapihwa mubairo nekufamba kwenguva.
5. Isa mari chete kana uchikwanisa kutsanangura sarudzo yako zvakajeka uye zvinogutsa.
Paunodyara mari mukambani, uri kutenga chidimbu chebhizinesi rekongiri, rine simba rayo rakasiyana uye kushaya simba.
Warren Buffett anoti unofanirwa kunzwisisa bhizinesi usati waisa mari. Kana iwe usingakwanise kuzviita, zvino zvakakuomera iwe.
Iwe hausi kuzonzwisisa chikonzero chekudyara uye hauzoziva kuti ndedzipi misungo yekutsvaga. Ringangove rombo rakanaka kana ukaita mari pakudyara kwako, uye rombo rakanaka rinopera nekukurumidza.
"Ngozi inouya nekusaziva zvauri kuita"
Semuenzaniso, Buffett haana kumbobvira adyara mumakambani ehunyanzvi nekuti haaanzwisise.
Anogona kunge akaverenga zvakawanda nezvemakambani eruzivo rwemichina, asi haasati ambonzwisisa hupfumi hwebhizimisi hwemakambani iwayo zvakakwana kuti aise mari maari.
Akarasikirwa nekudyara muAmazon, Google, Facebook, uye nevamwe vazhinji, asi pamwe akadzivirira vamwe vakarasikirwa.
6. Usarega manzwiro ako achibatanidzwa.
Buffett anozeza pane tsinga yepfungwa yekukundikana kwekudyara kwakawanda.
Zano raWarren Buffett kune vanoisa mari riri nyore: tenga makambani emhando uye ubatisise paari.
Kana iwe ukagona kuramba wakadzikama uye usingavhunduke kana musika uchidzika, iwe unenge wakapfuma pasina nguva.
"Unhu hunonyanya kukosha kune anoisa mari ndeye hunyoro, kwete njere"
Buffett anoti hukasha ndihwo hwakakosha hunhu hwemudzvanyiriri uye kwete njere.
Iwe unofanirwa kudzora manzwiro asina musoro. Iwe unofanirwa kuva nemoyo murefu uye kuranga uye kukwanisa kugamuchira zvipingamupinyi pasina kukuvara.
Unoda kugona kusarega zvikanganiso zvichikutambudza.
Unoda kukwanisa kuzvibata nenzira yakasiyana zvikuru nemaitiro evanhu vakawanda. Iwe haufanirwe kuve wakangwara kuita mari mumasheya.
Asi iwe unofanirwa kuzvibata zvakasiyana pane munhuwo zvake.
7. Chakavanzika chekudyara ndechekunzwisisa kukosha kwechimwe chinhu.
Pfungwa yekukosha kwekudyara yakafarirwa naBenjamin Graham nemudzidzi wake Warren Buffett.
Value investing inobata neaviri ekutanga pfungwa - undervaluation uye overvaluation:
Stock haikosheswi kana ichitengesa nemutengo wakaderera pane kukosha kwayo kwemukati.
Ukuwo, kana stock iri wokutengesera pamutengo wakakwirira kudarika kukosha kwayo kwemukati, yakakosheswa.
Warren Buffett anosarudza kukosha kwekudyara nekuti anotenda kuti zvinomupa muganhu wekuchengetedza mukudyara kwake.
Izvi zvinoreva kuti nyangwe chitoro chikadzikira, anenge achine nzvimbo yekuita mari nekuti akatenga zvakachipa.
“Mutengo ndiwo waunobhadhara. Value ndiyo yaunowana”
Pamwoyo wekukosha kuisa mari ndeyekutenda kuti mutengo uye kukosha hazvisi zvinhu zvakafanana.
Warren Buffett anopa zano rekutenga masheya pamutengo wakaderera uye kutsvaga makambani ane hwaro hwakasimba (kutengesa, mihoro, uye kubuda kwemari) asi kunze-kwe-favour kana kuregeredza mitengo yekugovana.
Anotenda kuti zvinokwanisika kuwana izvi zvakadzikiswa mitengo yemasheya pamusika.
Pane zvikonzero zvakati kuti nei mutengo wemasheya wekambani uchidonha pasi pehukoshi hwayo hwemukati - uye kana chimwe chezvinhu izvi chapinda, unofanirwa kutsvaga mukana wekutenga masheya nemutengo wekutengesa.
8. Gadzirira ramangwana, usafanotaura.
Ruzhinji rwevatengesi vari kuyedza kutenga masheya anokwira, Warren Buffett akambotaura.
Ivo havatarise kana mitengo yacho ichiruramiswa nezviri pasi pebhizinesi zvakakosha.
Dambudziko nderekuti kunyangwe ukagona kufanotaura nemazvo zvaifungwa nevamwe vanhu, hazvingakubatsire zvakanyanya nekuti netsanangudzo hafu yehuwandu inofunga zvakasiyana-uye hapana nzira yekutaura kuti ndeipi hafu yakarurama.
“Kufanotaura kuti mvura ichanaya hakurevi, kuvaka areka hakuna basa”
Warren Buffett anoti haufanirwe kunetseka nezvekuchinja kwezuva nezuva kwemusika.
Iwe haufanirwe kunetseka kuti hupfumi huchaita sei gore rinouya kana gore rinotevera.
Iwe unoisa pamwe chete portfolio yemakambani aunofunga kuti anogona kuwedzera kukosha pachiyero chakakura kupfuura musika, uye chero ivo vachiramba vachiita izvozvo iwe uchaita zvakanaka.
9. Tanga kare kusiya imwe nguva yekusanganisa.
Kubatanidza isimba rine simba zvikurusa pasi nokudenga. Chinhu chikuru pamusoro pekubatanidza ndechekuti zvinotora chimwe chinhu kubva pasina, zvakangoita semashiripiti.
Buffett ane mukurumbira wekutaura kuti nguva yake yaanofarira yekubata ndeyekusingaperi.
Upfumi hwake hwakatowedzera, iye achiita mari yakawanda mumakore gumi apfuura kupfuura makore ake makumi mashanu apfuura.
“Ndakaita mari yangu yekutanga ndiine makore gumi nerimwe. Ndaitambisa hupenyu hwangu kusvika ipapo”
Compounding inoshanda zvakanyanya kana iwe waisa mari nekukurumidza uye kazhinji uye kwenguva refu.
Izvi zvinoreva kuti iwe unofanirwa kufunga nezvekudyara kana uchinge wawana imwe mari yekuwedzera yakarara.
Usamirire mangwana kana gore rinouya kana kusvika wazadzisa zvimwe zvinangwa zvako nekuti nguva ichakuitira hafu yebasa kana yasvika pakusanganisa.
Kupedza
Warren Buffett akachinja nzira iyo vanhu vanotarisa pakudyara.
Zvidzidzo zvake zvinoshanda kwete kungoisa mari chete, asi kunenge chikamu chose chehupenyu.
Akapedza hupenyu hwake achiedza kunzwisisa nzira yekuita mari yakanaka, uye zano rake rinogona kutibatsira kuita sarudzo dzakangwara mune zvese zvehupenyu hwedu.
Kune vatsva kana veterans zvakafanana, mazano aBuffett anogona kupa ruzivo rwenyika yezvemari.
Oracle yezvidzidzo zvaOmaha iripo pakutora, kana chete tikateerera nekudzidza.
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