Ukuba ujonge ukuba ngumtyali-mali ophumeleleyo, kuyavakala ukufunda kumntu osele engumtyali-mali ophumeleleyo. Kukho abatyali-mali abangenakubalwa eIndiya kwaye bambalwa kuphela abanokuthi bathathwe njengabatyali-mali abakhulu.
Kubo bonke abatyali-mali abadumileyo eIndiya, uRakesh Jhunjunwala ngomnye wabatyali-mali ababalaseleyo.
Akanguye nje omnye wabatyali-mali abaphumeleleyo eIndiya, kodwa ukwangoyena uhlonitshwayo, nofunwayo ngabanye abatyali-zimali kunye nabaphathi beshishini.
Makhe sijonge kwizifundo ezilishumi ezibalulekileyo esinokuzifunda kuRakesh Jhunjhunwala ngendlela yokuba ngumtyali-mali ophumelelayo.
1. Utyalo-mali kufuneka ibe sisihloko oziva ngamandla ngaso
UJhunjhunwala ucebisa ukuba abantu abafuna ukukhulisa uthando ukufunda malunga ne-stock market kufuneka aphande ngokufunda nokuthetha nabanye abakwishishini lotyalo-mali.
Ukholelwa ukuba awusoze uphuhlise umdla wokufunda ukuba uthembele kwabanye ngeengcebiso zeemarike zesitokhwe okanye iingcebiso.
Ukuthanda kukaRakesh Jhunjhunwala kwimakethi yesitokhwe yaqala eseyinkwenkwana. Wayedla ngokubuza uyise, indlela i-stock market esebenza ngayo kwaye wayenomdla kwindlela amaxabiso aguquguquka ngayo yonke imihla.
Njengomntu omdala, ukuthanda kwakhe utyalo yamkhokelela ekubeni enze izigqibo ezikrelekrele kwaye ahlale ekhuthazekile nangona wayekhe wasilela ekuqaleni. Usakonwabela ukuya kwiintlanganiso zeKota kunye neeAGM zeenkampani atyale kuzo.
Ubuza imibuzo kubaphathi kwaye ubanika ingxelo enyanisekileyo. Ukwenza oko, kungekhona kuba enyanzelekile, kodwa ngenxa yomnqweno onamandla wokubona utyalo-mali lwakhe luzisa ingeniso.
2. Umonde luphawu oluhle
Ukuze uphumelele njengomtyali-mali, kufuneka uqonde ukuba utyalo-mali sisindululo sexesha elide. Kuya kufuneka uqaphele ukuba kuya kuthatha ishumi leminyaka okanye ngaphezulu ukubona iziphumo zotyalo-mali lwakho.
URakesh Jhunjhunwala, ebizwa ngokuba yiBig Bull yesitalato saseDalal, ngumtyali-mali wexesha elide. Unomonde omkhulu kwizitokhwe zakhe kwaye uyaziwa ukuba ubambelele kubo iminyaka.
Utyale imali kwi-Titan Company Ltd, ngaphezulu kweminyaka engamashumi amabini ngoku kwaye wenze ngaphezulu kwe-1,000% yembuyekezo kutyalo-mali lwakhe lokuqala kwisitokhwe.
Uthi utyala imali kwishishini lenkampani, hayi isitokhwe sayo, kwaye akazithengisi zabelo nangexesha lolungiso lwe-Stock Market.
Uye wabona imijikelo emininzi kwi-Stock Market kangangokuba akakhathazwa ngamaconsi exesha elifutshane.
Kubaluleke kakhulu ukuqonda ukuba izinto ezisisiseko zenkampani ziqhuba ixabiso lesitokhwe kwixesha elide.
Kwiimeko ezininzi, ixabiso lesitokhwe libonisa amandla okukhula kwenkampani kwiminyaka emihlanu ukuya kwesixhenxe ezayo. Ukuba uthenga unyaka okanye emibini, yintelekelelo nje emsulwa.
Oku akuthethi ukuba umntu kufuneka athenge nayiphi na isitokhwe kwaye ayibambe iminyaka esixhenxe. Kufuneka idityaniswe nenkuthalo efanelekileyo kunye nokuqonda ukukhula kwenkampani okunokwenzeka kunye namathemba oshishino kwixesha elizayo.
3. Wasebenzise kangangoko amathuba owabonayo
Esinye sezona zifundo zibalulekileyo ezivela kuRakesh Jhunjhunwala kukuba umtyali-mali kufuneka alungele ukubamba ithuba. Umtyali-zimali odumileyo ukholelwa ukuba amathuba adalwe ngokunyuka nokuhla kweemarike.
Umzekelo wakhe yintlekele yezemali yehlabathi ka-2008, apho wathenga khona izitokhwe ngesaphulelo ngelixa zingaxatyiswanga kwimarike.
Kwakhona wasebenzisa i-rally ye-stock yokhetho lwe-2014 ngokubhukisha inzuzo kwi-investment yakhe. Ngokwenza njalo, uthi, abatyali-mali kufuneka baqaphele amanqanaba abo okunyamezela umngcipheko kwaye bangaze boyike ukwenza ilahleko.
Oku kungenxa yokuba, ngokutsho kwakhe, umntu akanakuze enze imali ukuba besaba ukulahlekelwa yiyo. Impumelelo yemarike yemasheya ixhomekeke kumlingiswa wakho nakubuntu bakho kunakuyo nayiphi na eminye imiba.
Ukuthengiswa kwempahla ngumdlalo wemithambo-luvo. Akufanele ube nemincili okanye udandatheke ngenxa yokunyuka nokuhla kwamaxabiso esitokhwe.
Ndicebisa ukuba uhlale unemali esecaleni ukuze usebenzise amathuba njengoko evela. Ukutshala yonke imali yakho kwimarike yemasheya kuyingozi, njengoko imbali ibonise ukuba imbuyekezo eguquguqukayo ingaba ngumjikelo.
4. Okukhona utyalomali ngokweemvakalelo kwisitokhwe, kokukhona kunokwenzeka ukuba ulahlekelwe lixabiso
Sonke sivile ibali lomhlobo othenge isitokisi, kwaye eso sitokhwe senyuka.
Ngoko ke, uye wagqiba ekubeni atyale imali kwenye, ecinga ukuba “ndinethamsanqa kakhulu ngale nto yotyalo-mali. Makhe ndiyenze kwakhona.
Utyalo-mali olunjalo lweemvakalelo yenye yeempazamo ezinkulu onokuthi uzenze ngelixa utyala imali. Ivela kukungabikho kolwazi kunye nokungaqondi ngakumbi ukuba kutheni uthenge kwasekuqaleni.
URakesh Jhunjhunwala ukholelwa ukuba abatyali-mali kufuneka bafunde ukucinezela iimvakalelo zabo kwaye baziphathe njengoomatshini ukuze baphumelele. Ukuba ungumtyalomali ongaguqukiyo, kufuneka ube nokholo kumjikelo wezoqoqosho kunye nefilosofi yakho yotyalo-mali.
Ukuba ungqongqo kwifilosofi yakho yokutyalomali, uya kwenza imali kweli shishini.
Ukuze ube ngumtyali-mali omkhulu kufuneka uhambe ngokuchasene nemvelo yakho kwaye wamkele ezinye iindlela zokuziphatha ezichaseneyo.
Kunokuba soyike xa abanye bebawa yaye benyolukile xa abanye besoyika, sifanele siziphathe ngendlela echaseneyo ngokuthenga izinto eziphantsi nokuthengisa phezulu.
5. Tyala imali kumashishini anenzuzo yokhuphiswano
URakesh Jhunjhunwala waziwa ngempumelelo yakhe ekufumaneni iinkampani ezinokhuphiswano. Ukhangela iinkampani ezinemveliso okanye iinkonzo ezinempumelelo enzima ukuyiphindaphinda.
Utyalo-mali kwiinkampani ezinjalo, ukholelwa ukuba, unika abatyali-mali ukhuphiswano lwabo.
Le filosofi yotyalo-mali ibonakala imsebenzele kakuhle; ukuba utyale imali kwizitokhwe ezifana neNazara Tech, Delta Corps, CRISIL, Jhunjhunwala ubone ubutyebi bakhe bunyuka ngokuhamba kweminyaka.
URakesh Jhunjhunwala ukholelwa ukuba inkampani ayinakonyusa inzuzo yayo ukuba ayikho emngciphekweni weshishini layo.
Le filosofi inxulumene ngokusondeleyo nombono we-business moat. URakesh Jhunjhunwala udume ngokuthi ujonga amashishini anemibhobho ebanzi xa kutyalo-mali.
Umjelo wenkampani unokuba yiyo nantoni na eyinika umda ngaphezu kwabo bakhuphisana nayo, nokuba ziinzuzo zesikali okanye ixabiso lebhrendi, okanye ilungelo elilodwa lomenzi wechiza.
Ke kuya kufuneka ujonge iinkampani ezinohlobo oluthile lwenzuzo ngaphezulu kwabo bakhuphisana nabo.
6. Tyala imali kwi-stock ngaphambi kokuba idume
URakesh Jhunjhunwala uthi akalohlobo lomntu ongathanda ukuba yinxalenye yesihlwele. Yindalo yakhe nje.
Mhlawumbi ikwimizila yakhe yemfuza okanye into ethile. Akasazi isizathu sokuba ethanda ukuma yedwa enze izinto ngendlela eyahlukileyo, kodwa nguye kuphela.
Ukuba ukhangele irekhodi yakhe kule minyaka, uye wachaneka ixesha elininzi kwaye engalunganga ngamanye amaxesha, kodwa ukuphumelela kwakhe okukhulu kuye kwahlala kuvela ekuthengeni amasheya angathandwayo.
Uthi kusoloko kungcono ukuthenga ibali lenkampani xa kungekho mntu uthetha ngalo.
Ukuba uyakholelwa ukuba inkampani inamandla amakhulu, nokuba injani na ukusebenza kwayo ngoku, kuya kufuneka uzame ukufumanisa ukuba iqhube njani kule minyaka mibini ukuya kwemithathu idlulileyo kwaye ngawaphi amathemba ayo.
Ukuba ufumanisa ukuba zilungile, ke ungakhathazeki kakhulu malunga nokuba abanye bacinga ntoni ngesi sitokhwe.
Ewe kunjalo, kubalulekile ukujonga ukuba inkampani yomelele na okanye hayi kuba ezinye izitokhwe zikhangeleka zincinci kodwa azibizi kakhulu kuba kukho into engalunganga kuzo.
Ke ngaphandle kokuba ufumanise ukuba kukho into engalunganga ngenkampani okanye abaphathi bayo, andicingi ukuba kufuneka ukhathazeke kakhulu malunga nokuba abanye banokucinga ntoni ngale nkampani.
Ke, isifundo kukuphepha ukutyala imali kwinkampani xa abathengisi basesitratweni nabo beqala ukuthetha ngayo.
7. Awunakutshintsha ixesha elidlulileyo, kodwa unokufunda kulo
URakesh Jhunjhunwala uthi ukutyala imali kumfundise okuninzi ngobomi. Uthi yonke impazamo oyenzayo ebomini ngamava okufunda kuwe.
Ngokomzekelo, wajonga amasheya afana ne-Jet Airways, i-SpiceJet xa bethengisa kwi-100 ngesabelo ngasinye, okanye i-Reliance Power kwi-500 ngesabelo ngasinye kwaye bacinga ukuba ezi ziinkampani ezinkulu kodwa zajika zibe lutyalo-mali olubi kakhulu.
Uthi enye into ayifundileyo kwiimpazamo zakhe kukuba amanye amashishini akhuphisana kakhulu ukuba angakwazi ukwenza ingeniso, kwaye ukuba abagqugquzeli bamashishini alolu hlobo abazimiselanga ngokwaneleyo, oko kukhokelela kwintlekele.
URakesh Jhunjhunwala uthi wenze iimpazamo ezininzi kumsebenzi wakhe kodwa akanakuze athi uyazisola ngayo nayiphi na kuzo, kuba kuye komeleza isigqibo sakhe sokusebenza nzima kunye nokuchonga isitokhwe esingcono kuye.
Njengomtyalo-mali, ndicinga ukuba wonke umntu otyala imali kufuneka abe nombulelo ngelahleko yakhe, njengoko isifundisa indlela yokuphumelela kwixesha elizayo.
Nanini na xa uzisola ngokwenza impazamo, unokuyisebenzisa njengethuba lokufunda ukuze ube ngumtyali-mali ongcono kunye nomntu ongcono.
8. Khangela amashishini amancinci anezakhono eziqinisekisiweyo kunye nemfuno eqinileyo yeemveliso zabo
Njengomtyali-mali, unokusetyenzwa ngcono ngokukhangela amashishini amancinci anezakhono eziqinisekisiweyo, imfuno eqinileyo yeemveliso okanye iinkonzo zabo, kunye negumbi lokukhula.
La mashishini anesakhono sokuphinda-phinda utyalo-mali lwakho amaxesha amaninzi.
URakesh Jhunjhunwala uthi ujonga umjikelo wobomi bemveliso. Ukuba ubona ukuba ukusetyenziswa kwemveliso kuyanda eIndiya kwaye loo mveliso inemfuno yexesha elizayo, ngoko utyala imali kwezo nkampani.
Umzekelo, wayeyibonile imfuno yemveliso kwaye watyala imali kwi-Delta Corp, ngokusekwe kumgaqo-nkqubo omtsha wokudlala ngurhulumente onokukhulisa ishishini.
9. Akukho nto ilungileyo okanye ingalunganga
Abanye abatyali-zimali bacinga ukuba abona bachongi bempahla abangcono kakhulu bangabona batyalo-mali baphumeleleyo. Nangona kunjalo, ukuba ujonga irekhodi likaJhunjhunwala, uya kukuxelela ngenye indlela.
Ngokomzekelo, ekupheleni kweminyaka engama-90, wayethenge amasheya afana neBhushan Steel kunye nePunj Lloyd. Kwakhona wayenethemba malunga necandelo le-IT kwaye wayetyale imali eninzi kwii-stocks ezifana ne-NIIT kunye ne-Mastek.
Zonke ezi zitokhwe zabethelwa kwi-2001-02 xa i-bubble dot-com iqhuma.
Isizathu sokuba i-Rakesh iphumelele nangona iphosakele kaninzi kukuba uye wakwazi ukuchonga amasheya kunye namaxesha angama-10-50 angaphezulu kwamandla avela kumanqanaba abo akhoyo ngoku.
Ukwandisa isikhundla sakhe kwezi zitokhwe kumncedile ukuba ahlanganise imbuyekezo yakhe.
Ngokomzekelo, wenza ubutyebi kwi-Titan Industries ngokunyusa isikhundla sakhe ukusuka kwi-Rs 14 ngesabelo ukuya kwi-Rs 2,000 ngesabelo ngasinye.
Ngokufanayo, ukubheja kwakhe kwi-Aurobindo Pharma kunye neLupine Ltd nayo ihlawule ixesha elikhulu.
Unokuba ngoyena mntu ulumkileyo emhlabeni kwaye awukwazi ukubetha imarike. UJhunjhunwala uthi iMarike iphezu kwakho. Imarike inengqiqo.
Awunakuze ube krelekrele kunemarike. Imarike inokwenza ngokungekho ngqiqweni ixesha elide, kodwa ekugqibeleni iya kuhlala isebenza ngokufanelekileyo.
Hlala uhlonipha i-stock market. Nokuba ucinga ukuba uyiqiqile, soloko ucinga ukuba ingenza nantoni na.
10. Ukulandela i-stock picks yabatyalo-mali abakhulu akuyona into efanelekileyo
URakesh Jhunjhunwala uthi kufuneka ulandele iziseko hayi amarhe. Kuya kufuneka ujonge ezemali, ulawulo lweshishini, kunye nolawulo phambi kokuba utyale imali kwisitokhwe.
Akulunganga ukuba ulandele into eyenziwa ngomnye umntu kuba isenokungakufanelanga.
Kukho into enomdla kakhulu malunga neendaba zeendaba, ngakumbi xa kuziwa ekuchazeni iingcamango zotyalo-mali.
Amaxesha amaninzi amabali eendaba zegama elikhulu elithenga kwisitokhwe esithile emva kokuphuma kwabo okanye xa besondela ekuthengiseni isitokhwe.
Umbono uthi xa le ngxelo ibetha kumajelo eendaba, abo bebekhwele idyasi zaba batyali-mali sele beyenzile imali yabo kwaye balungiselela ukubheyile.
Le nyaniso iyinyaniso ngakumbi xa funds mutual babelane ngeendawo zabo ezilishumi eziphezulu ekupheleni kwekota nganye. Ezi zinkulu kuphando olongezelelweyo kodwa azicebisi ukuba ezi zitokhwe kufuneka zithengwe ngenxa yokuba enye ingxowa-mali ibonise umdla kubo.
Kukho umahluko phakathi kokufunda ngombono wotyalo-mali nokwenza okuthile.
Awunakwenza oko bakufunda kumajelo eendaba de baqhube uphando lwakho kunye nenkuthalo efanelekileyo kuyo nayiphi na ingcamango entsha ephuma ngendlela.
Kuze kube ngoko, kufuneka uthembele kwimvelo yakho kwaye uqonde ukuba akukho nto injengesidlo sasemini samahhala kutyalo-mali.
Isifundo sobomi - esona sibalulekileyo
URakesh Jhunjhunwala uhlala esithi akazisoli ebomini. Unqwenela nje ukuba ube nemikhwa yobuqu ebhetele aze azilolonge ngakumbi.
Ungalibali ukutyala kwimpilo yakho. Kukho izinto ezimbalwa ongenakuzithenga, kwaye enye yazo yimpilo yakho.
Unokuba nayo yonke imali esehlabathini, kodwa akuncedi nganto ukuba ungaphilanga ngokwaneleyo ukuba uyonwabele.
Amazwi okugqibela
Ekugqibeleni, ndiyathemba ukuba ukwazile ukuqokelela ixabiso elithile kwizifundo endizabele ngazo.
Utyalo-mali sesinye sezixhobo ezininzi ezinokukunceda wakhe ubutyebi kwaye ufezekise ukuzimela kwezemali, nangona kufuna isixa esifanelekileyo sokufunda ngezimali kunye nokuziphatha kakuhle.
Kodwa ukuba unombono wexesha elide engqondweni, unokuzibekela impumelelo ngokuceba ngenyameko nangocwangciso oluzinzileyo.
Ungaguquguquki kwaye uhlale utyalile!
Shiya iMpendulo