UWarren Buffett yindoda ekusenokwenzeka ukuba yaphefumlela ukudalwa koosozigidi abaninzi kunaye nabani na kule minyaka ingamashumi asixhenxe idlulileyo. UWarren Buffett ngumtyali-mali odumileyo abathi abaninzi babhenele kuye ukuze bafumane iingcebiso ngotyalo-mali.
Umbuzo endiwubuzwa rhoqo ngoWarren Buffett uthi "Ziziphi iimfihlo zakhe zotyalo-mali?"
Ukuba ujonge ukutyala imali kwizabelo okanye ufuna ukuphucula isicwangciso sakho sangoku, kuya kufuneka ufunde eli nqaku ukuze ufumane inkuthazo evela komnye wabatyali-mali abakhulu ngalo lonke ixesha.
UWarren Buffett omkhulu unezifundo ezininzi kubatyali-mali. Nazi ezisithoba zezona zinkulu.
1. Njengomtyali-mali, kufuneka uzame ukuqinisekisa ukuba inkunzi yakho igciniwe.
UWarren Buffett uthi ukugcinwa kwenkunzi kufuneka kube yeyona nto iphambili kumtyali-mali; oku kuthetha ukuba xa usenza urhwebo olubi, phuma. Musa ukuphaphazela kwaye ubambe indawo yakho.
“Umthetho 1: Ungaze uphulukane nemali. Umthetho wesi-2: Ungaze uwulibale uMthetho onguNombolo 1”
The imakethi yesitokhwe ujinga phantsi naphezulu ngokuthanda kwezinto ezininzi. Kubalulekile ukunikel’ ingqalelo kumsebenzi wesikolo owenzelwa ekhaya, uphephe isilingo sokulandela isihlwele.
Ukuba ishishini linesakhono esikhulu sokukhula, hlala utyale imali nakwezona marike zimbi ukuze uvune izibonelelo ezingcono xa iimarike ziguquka.
2. Kungcono ukuthenga ishishini elikhulu ngexabiso elifanelekileyo kunokuthenga ishishini eliphakathi ngexabiso elikhulu.
Eso sisifundo sokuqala uWarren Buffett asicebisayo kubantu abafuna ukufunda ngotyalo-mali. Kubonakala kulula ngokwaneleyo, kodwa kunzima kakhulu ukuba abatyali-mali balandele.
Abatyali-mali benza izigqibo ngokweemvakalelo. Bazibuza ukuba "ndiza kuyihlawula malini ngolu tyalo-mali?"
Kodwa kufuneka babuze ukuba "luxabisa malini olu tyalo-mali?"
Kufuneka wenze isigqibo sokuba yimalini na ozimisele ukuyihlawula, uze ufumanise ukuba ixabisa malini na. Ukuba ixabiso lingaphantsi kwexabiso layo, yiya ulithenge. Ukuba akunjalo, musa ukuyithenga.
“Kungcono kakhulu ukuthenga inkampani entle ngexabiso elifanelekileyo kunenkampani elungileyo ngexabiso elimangalisayo”
Zimbini izinto ekufuneka uzenzile: okokuqala, kufuneka ubone iinkampani ezingaxatyiswanga; okwesibini, ufanele ubone enoba banamathuba amahle okukhula.
3. Mhlawumbi lixesha elifanelekileyo lokuthenga ukuba abanye abantu banqwenela ukuthengisa kwaye ngokuphambene noko.
Ukuba uyalithandabuza eli cebiso, awuwedwa.
Mhlawumbi ukhe wayiva ngaphambili, okanye ubuncinci ukwahluka kwayo.
Kodwa ukuba ucinga ngentsingiselo emva kwesi sicatshulwa, kunye nokuba kuthatha ntoni ukwenza okuthile kuyo, izinto ziba nomdla ngakumbi.
Yintoni ukubawa noloyiko?
Kwaye sazi njani xa uloyiko lwethu luyinto elungileyo?
UWarren Buffett ucebisa ukuba uloyiko lwakho kufuneka luvele ekuqondeni kwakho ukuba abantu baya kusabela njani kwinto ethile.
Abantu abanakoyikiswa yinto abangayiqondiyo.
Ke ukuba ufuna ukutyala imali kwinto abantu abayoyikayo, okokuqala, kufuneka uqonde ukuba kutheni beyoyika.
Ukuba uloyiko lwabo alunangqiqo, tyala imali kuyo. Ukuba uloyiko lwabo lunengqiqo, musa ukutshala imali kuyo.
“Yoyika xa abanye bebawa kwaye bebawa xa abanye besoyika”
Ukuze ube ngumtyali-mali ochasene noBuffett, kufuneka uzimisele ukuchasana nobulumko obuqhelekileyo. Inzima loo nto kubantu abaninzi kuba sinocingo lokulandela isihlwele.
4. I-Stock Market sisixhobo sokudlulisa imali kumntu ongenamonde ukuya kumguli.
UWarren Buffett uthi kufuneka ulungele ukubamba isitokhwe ixesha elide.
Kwaye ukuba awuziva ukhululekile ngaloo nto, akufanele ube ngumnikazi wayo konke konke.
Inzuzo yotyalo-mali lwexesha elide kukukwazi ukuthatha inzuzo yokudibanisa.
Xa ubambe utyalo-mali ixesha elide, ungafumana imali kutyalo-mali lwakho lokuqala kunye nokutyalomali kwakhona izabelo kunye nolwabiwo lwenzuzo eyinkunzi.
Ngokuhamba kwexesha, ezi nkxaso-mali zongezelelweyo zisebenza njengebhola yekhephu eqengqelekayo, iqokelela ubungakanani kunye nesantya ide ibe sisityebi sobutyebi.
"Nokuba italente okanye imizamo ingakanani, ezinye izinto zithatha ixesha. Awukwazi ukuvelisa umntwana kwinyanga enye ngokumitha abafazi abalithoba”
Awunakukwazi ukubamba phezulu nasezantsi kwimarike ngokuqhubekayo, ngoko ungazami.
Tyala imali xa uqinisekile ngexabiso lenkampani. Ukuba uthenga izitokhwe ezilungileyo ngamaxabiso afanelekileyo, uya kuvuzwa ngokuhamba kwexesha.
5. Tyala imali kuphela xa unokucacisa isigqibo sakho ngokucacileyo nangokukholisayo.
Xa utyala imali kwinkampani, uthenga isiqwenga seshishini lekhonkrithi, elinamandla awodwa kunye nobuthathaka.
UWarren Buffett uthi kufuneka uliqonde ishishini phambi kokuba utyale imali. Ukuba awukwazi ukuyenza loo nto, inzima kakhulu kuwe.
Awuyi kuqonda ingqiqo yotyalo-mali kwaye awuyi kuyazi ukuba yeyiphi imigibe omawuyijonge. Kuya kuba lithamsanqa nje ukuba wenza imali kutyalo-mali lwakho, kwaye ithamsanqa elisisimumu liyaphela kungekudala.
"Umngcipheko ubakho ngenxa yokungazi into oyenzayo"
Umzekelo, uBuffett akazange atyale imali kwiinkampani zobuchwepheshe kuba akaziqondi.
Usenokuba ufunde kakhulu ngeenkampani zeteknoloji, kodwa akazange awuqonde kakuhle uqoqosho lwezoshishino lwezo nkampani ngokwaneleyo ukuba atyale kuzo.
Uphoswe kutyalo-mali eAmazon, kuGoogle, kuFacebook nakwabanye abaninzi, kodwa mhlawumbi wabanqanda abanye abalahlekileyo.
6. Musa ukuvumela iimvakalelo zakho zibandakanyeke.
U-Buffett uvuza kwimithambo yengqondo yokusilela kotyalo-mali okuninzi.
Ingcebiso kaWarren Buffett kubatyali-mali ilula: thenga iinkampani ezisemgangathweni kwaye ubambelele kuzo.
Ukuba ungahlala uziqeqeshe kwaye ungothuki xa imarike isihla, uya kuba sisityebi kungekudala.
"Owona mgangatho ubalulekileyo kumtyali-mali ngumsindo, hayi ubukrelekrele"
UBuffett uthi isimilo ngowona mgangatho ubalulekileyo womtyali-mali hayi ubukrelekrele.
Kufuneka ugcine imvakalelo ekrwada engenangqiqo phantsi kolawulo. Kufuneka ube nomonde kwaye uqeqeshe kwaye ukwazi ukwamkela ukuhlehla ngaphandle kokwenzakala.
Kufuneka ube nesakhono sokungavumeli iimpazamo zikungcungcuthekise.
Kufuneka ube nesakhono sokuziphatha ngendlela eyahluke kakhulu kwindlela abantu abaninzi abaziphatha ngayo. Akuyomfuneko ukuba ube krelekrele ukwenza imali kwizitokhwe.
Kodwa kufuneka uziphathe ngendlela eyahlukileyo kunomntu oqhelekileyo.
7. Imfihlo kutyalo-mali kukuqonda ukubaluleka kwento ethile.
Ingcamango yotyalo-mali lwexabiso yaziswa nguBenjamin Graham kunye nomfundi wakhe uWarren Buffett.
Utyalo-mali lwexabiso lujongene neekhonsepthi ezimbini eziphambili - ukungaxatyiswa kunye nokuxabisa kakhulu:
Isitokhwe asixabisekanga ukuba sirhweba ngexabiso elingaphantsi kunexabiso laso elingaphakathi.
Kwelinye icala, xa isitokhwe urhwebo ngexabiso eliphezulu kunexabiso layo elingaphakathi, lixatyiswe kakhulu.
UWarren Buffett ukhetha ixabiso lokutyala imali kuba ukholelwa ukuba limnika umda wokhuseleko kutyalo-mali lwakhe.
Oku kuthetha ukuba nokuba isitokhwe siyehla, usenayo indawo yokwenza imali kuba wayithenga ngexabiso eliphantsi.
“Ixabiso yile nto uyihlawulayo. Ixabiso yinto oyifumanayo”
Kwintliziyo yexabiso lokutyala imali yinkolelo yokuba ixabiso kunye nexabiso azikho izinto ezifanayo.
UWarren Buffett ucebisa ukuthenga isitokhwe ngesaphulelo esibalulekileyo kwaye ujonge iinkampani ezinesiseko esomeleleyo (intengiso, imivuzo, kunye nokuhamba kwemali) kodwa amaxabiso ezabelo angahoywanga okanye angahoywanga.
Ukholelwa ukuba kunokwenzeka ukufumana la maxabiso esitokhwe athotywe kakhulu kwimarike.
Kukho izizathu ezininzi zokuba kutheni ixabiso lesitokhwe senkampani liya kuwa ngaphantsi kwexabiso langaphakathi - kwaye xa enye yezi zinto iqala ukudlala, kufuneka ufune ithuba lokuthenga isitokhwe ngexabiso lentengo.
8. Lungiselela ikamva, musa ukulixela kwangaphambili.
Uninzi lwabatyalomali luzama ukuthenga izitokhwe eziya kunyuka, uWarren Buffett uthe.
Abaqwalaseli ukuba amaxabiso athetheleleka ngeziseko zeshishini.
Ingxaki kukuba nokuba ubunokuqikelela ngokuchanekileyo ukuba abanye abantu bebecinga ntoni, bekungayi kukunceda kakhulu kuba ngokwenkcazo isiqingatha sabemi sicinga ngendlela eyahlukileyo-kwaye akukho ndlela yokuxela ukuba sesiphi isiqingatha esichanekileyo.
“Ukuqikelela imvula akunakubalwa, umkhombe wokwakha uyasebenza”
UWarren Buffett uthi akufuneki ube nexhala malunga nokuguquguquka kwemihla ngemihla kweemarike.
Awunakukhathazeka malunga nokuba uqoqosho luza kwenza ntoni kulo nyaka uzayo okanye unyaka emva koko.
Udibanisa ipotfoliyo yeenkampani ocinga ukuba zinokunyuka kwixabiso ngexabiso elikhulu kunentengiso, kwaye okoko nje ziqhubeka zisenza oko uya kwenza kakuhle.
9. Qalisa kwangethuba ukushiya ixesha elingakumbi lokudibanisa.
Ukudibanisa ngawona mandla anamandla kwindalo yonke. Into enkulu malunga nokudibanisa kukuba kuthatha into engenanto, efana nomlingo.
UBuffett udume ngokuthetha ukuba ixesha lakhe lokubamba elithandayo lihlala ngonaphakade.
Ubutyebi bakhe bukhule ngakumbi, kunye naye esenza imali eninzi kwiminyaka eyi-10 edlulileyo kunaleyo ebenzile kwiminyaka yakhe engama-50 edlulileyo.
“Ndenze utyalo-mali lwam lokuqala ndikwiminyaka elishumi elinanye. Ndibuchitha ubomi bam kude kube ngoko”
Ukudibanisa kusebenza kakuhle xa utyala imali kwangoko kwaye rhoqo kwaye ixesha elide.
Oku kuthetha ukuba kufuneka ucinge ngokutyala imali ngokukhawuleza nje ukuba unemali eyongezelelweyo eleleyo.
Ungalindi ingomso okanye unyaka ozayo okanye de ube ufikelele kwezinye iinjongo zakho kuba ixesha lizakwenza isiqingatha somsebenzi kuwe xa kufikwa ekuhlanganiseni.
Ukushwankathela
UWarren Buffett uyitshintshile indlela abantu abajonga ngayo ukutyala imali.
Izifundo zakhe azisebenzi kutyalo-mali kuphela, kodwa phantse kuzo zonke iinkalo zobomi.
Uchithe ubomi bakhe ezama ukuqonda indlela yokwenza utyalo-mali olufanelekileyo, kwaye icebiso lakhe linokusinceda senze izigqibo zobulumko kuzo zonke iinkalo zobomi bethu.
Kubantu abaqalayo okanye amagqala ngokufanayo, amaqhinga kaBuffett kusenokwenzeka ukuba abonelele ngehlabathi lezemali.
I-Oracle yezifundo zika-Omaha ikhona ukuze ithathwe, ukuba nje siyakumamela kwaye sifunde.
Shiya iMpendulo