UWarren Buffett uyindoda ekhuthaze kakhulu ukudalwa kosozigidi abaningi kunanoma ubani omunye kule minyaka engamashumi ayisikhombisa edlule. UWarren Buffett ungumtshali-zimali odumile abaningi abaphendukela kuye ukuze bathole iseluleko sokutshala izimali.
Umbuzo engivame ukubuzwa ngawo ngoWarren Buffett uthi “Ziyini izimfihlo zakhe zokutshala imali?”
Uma ubheke ukutshala imali kumasheya noma ufuna ukuthuthukisa isu lakho lamanje, kufanele ufunde lesi sihloko ukuze uthole ugqozi oluvela komunye wabatshalizimali abakhulu kunabo bonke.
I-Warren Buffett enkulu inezifundo eziningi kubatshalizimali. Nazi eziyisishiyagalolunye kwezinkulu zakhe.
1. Njengomtshali-zimali, kufanele uzame ukwenza isiqiniseko sokuthi imali yakho iyagcinwa.
UWarren Buffett uthi ukugcinwa kwezimali kufanele kube yinto ehamba phambili kubatshalizimali; lokhu kusho ukuthi uma wenza ukuhweba okubi, phuma. Ungathuki futhi ubambe isikhundla sakho.
“Umthetho 1: Ungalokothi ulahlekelwe yimali. Umthetho No. 2: Ungalokothi ukhohlwe uMthetho No. 1”
The stock market shwibeka phezulu naphansi kakhulu ngokuthanda kwezinto eziningi. Kubalulekile ukuthi uhlale ugxile emsebenzini wakho wesikole, ugweme isilingo sokulandela isixuku.
Uma ibhizinisi linamandla amakhulu okukhula, hlala utshaliwe ngisho nasezimakethe ezimbi kakhulu ukuze uvune izinzuzo ezinhle kakhulu lapho izimakethe zishintsha.
2. Kungcono ukuthenga ibhizinisi elikhulu ngentengo efanelekile kunokuthenga ibhizinisi elimaphakathi ngentengo enkulu.
Leso yisifundo sokuqala uWarren Buffett asincomayo kubantu abafuna ukufunda ngokutshala imali. Kubonakala kulula ngokwanele, kodwa kunzima kakhulu ukuthi abatshalizimali bakulandele.
Abatshalizimali benza izinqumo ezithinta inhliziyo. Bazibuza ukuthi “ngizokhokha malini kulokhu kutshalwa kwezimali?”
Kepha kufanele babuze ukuthi "yimalini le mali yokutshala?"
Udinga ukunquma ukuthi uzimisele ukuyikhokhela malini, bese uthola ukuthi ibiza malini. Uma intengo iphansi kunenani layo, qhubeka uyithenge. Uma kungenjalo, ungayithengi.
“Kungcono kakhulu ukuthenga inkampani enhle ngentengo efanelekile kunenkampani efanelekile ngentengo enhle”
Kunezinto ezimbili okudingeka uzenze: okokuqala, udinga ukubona izinkampani ezingabalulekile; okwesibili, udinga ukunquma ukuthi zinalo yini ithuba elihle lokukhula.
3. Cishe yisikhathi esihle sokuthenga uma abanye abantu befisa ukuthengisa futhi okuphambene nalokho.
Uma ungabaza lesi seluleko, awuwedwa.
Cishe uke wayizwa ngaphambilini, noma okungenani ukuhluka kwayo.
Kodwa uma ucabanga ngencazelo yalesi sicaphuni, nokuthi yini edingekayo ukuze wenze okuthile kuso, izinto ziba mnandi kakhulu.
Kuyini ukuhaha nokwesaba?
Futhi sazi kanjani lapho ukwesaba kwethu kuyinto enhle?
UWarren Buffett uphakamisa ukuthi ukwesaba kwakho kufanele kuvele ekuqondeni kwakho ukuthi abantu bazosabela kanjani kokuthile.
Abantu ngeke bethuswe yilokho abangakuqondi.
Ngakho-ke uma ufuna ukutshala imali entweni abantu abayesabayo, okokuqala, kufanele uqonde ukuthi kungani beyesaba.
Uma ukwesaba kwabo kungenangqondo, tshala kukho. Uma ukwesaba kwabo kunengqondo, ungatshali imali kukho.
“Yesaba lapho abanye behaha futhi behaha lapho abanye besaba”
Ukuze ube umtshali-zimali ophikisana noBuffett, kufanele uzimisele ukuphambana nokuhlakanipha okuvamile. Lokho kunzima kubantu abaningi ngoba sinezintambo zokulandela isixuku.
4. I-Stock Market iyithuluzi lokudlulisa imali isuka kongenasineke iye esigulini.
UWarren Buffett uthi kufanele uzilungiselele ukubamba isitoko isikhathi eside.
Futhi uma ungazizwa ukhululekile ngalokho, akufanele neze ube umnikazi wayo.
Inzuzo yokutshala izimali zesikhathi eside yikhono lokusebenzisa ukuhlanganisa.
Uma ubambe i-investimenti isikhathi eside, ungathola imali ekutshaleni kwakho kokuqala kanye nasekutshaleni kabusha izabelo kanye nokusatshalaliswa kwenzuzo enkulu.
Ngokuhamba kwesikhathi, lezi zimali ezengeziwe zisebenza njengebhola leqhwa eligingqika phansi, liqoqa usayizi nesivinini kuze kube yinqwaba yengcebo.
“Noma ngabe likhulu kangakanani ithalente noma imizamo, ezinye izinto zithatha isikhathi. Awukwazi ukukhiqiza umntwana ngenyanga eyodwa ngokukhulelisa abesifazane abayisishiyagalolunye”
Awukwazi ukubamba phezulu naphansi emakethe njalo, ngakho ungazami.
Tshala imali lapho uqiniseka ngenani lenkampani. Uma uthenga amasheya amahle ngamanani afanelekile, uzoklonyeliswa ngokuhamba kwesikhathi.
5. Tshala imali kuphela uma ukwazi ukuchaza ngesinqumo sakho ngokucacile nangokugculisayo.
Uma utshala imali enkampanini, uthenga ucezu lwebhizinisi likakhonkolo, elinamandla nobuthakathaka obuhlukile.
UWarren Buffett uthi kufanele uliqonde ibhizinisi ngaphambi kokutshala imali. Uma ungakwazi ukwenza lokho, kusho ukuthi kuyinkimbinkimbi kakhulu kuwe.
Ngeke uqonde isizathu sokutshala imali futhi ngeke wazi ukuthi yiziphi izingibe okufanele uzibheke. Kuzoba yinhlanhla nje uma wenza imali ekutshaleni kwakho imali, futhi inhlanhla eyisimungulu izophela maduze.
"Ingozi ibangelwa ukungazi ukuthi wenzani"
Isibonelo, uBuffett akakaze atshale imali ezinkampanini zobuchwepheshe ngoba akaziqondi.
Kungenzeka ukuthi ufunde okuningi ngezinkampani zobuchwepheshe, kodwa akakaze aqonde kahle umnotho webhizinisi walezo zinkampani ngokwanele ukuba atshale kuzo.
Uphuthelwe ukutshalwa kwezimali e-Amazon, Google, Facebook, nabanye abaningi, kodwa mhlawumbe futhi wagwema abanye abahluliwe.
6. Ungavumeli imizwa yakho ihileleke.
U-Buffett udumala emthanjeni wengqondo wokuhluleka okuningi kokutshalwa kwezimali.
Iseluleko sikaWarren Buffett kubatshalizimali silula: thenga izinkampani ezisezingeni eliphezulu futhi ubambelele kuzo.
Uma ungahlala uziphethe futhi ungethuki lapho imakethe yehla, uzobe ucebile ngokushesha.
"Ikhwalithi ebaluleke kakhulu kumtshali-zimali isimo sengqondo, hhayi ukuhlakanipha"
U-Buffett uthi isimo sengqondo yikhwalithi ebaluleke kakhulu yomtshalizimali hhayi ubuhlakani.
Udinga ukulawula imizwa engenangqondo. Kudingeka ubekezele futhi uqondise futhi ukwazi ukwamukela ukuhlehla ngaphandle kokulimala.
Udinga ikhono lokungavumeli amaphutha akuhluphe.
Udinga ikhono lokuziphatha ngendlela ehluke kakhulu endleleni abantu abaningi abaziphatha ngayo. Akudingeki uhlakaniphe ukuze wenze imali ezitokisini.
Kodwa kufanele uziphathe ngendlela ehlukile kunomuntu ojwayelekile.
7. Imfihlo yokutshala imali ukuqonda ukubaluleka kokuthile.
Umqondo wokutshalwa kwezimali kwenani wathandwa nguBenjamin Graham kanye nomfundi wakhe uWarren Buffett.
Ukutshalwa kwezimali kweValue kusebenzisana nemiqondo emibili eyinhloko - ukungahlolisisi kanye nokweqisa:
Isitoko asiziswa kancane uma sihweba ngentengo ephansi kunevelu yaso engaphakathi.
Ngakolunye uhlangothi, lapho isitokwe ukuhweba ngentengo engaphezulu kunevelu yayo yangaphakathi, ibaluleke kakhulu.
UWarren Buffett ukhetha ukutshala imali kwenani ngoba ukholelwa ukuthi kumnika umkhawulo wokuphepha ekutshalweni kwakhe.
Lokhu kusho ukuthi noma sehlile isitoko kodwa usenayo indawo yokwenza imali ngoba uyithenge ngemali ephansi.
“Intengo yilokhu oyikhokhayo. Inani yilokho okutholayo”
Umnyombo wokutshalwa kwezimali kwenani yinkolelo yokuthi intengo nenani akuzona izinto ezifanayo.
U-Warren Buffett uphakamisa ukuthenga amasheya ngesaphulelo esibalulekile futhi ubheke izinkampani ezinezisekelo eziqinile (ukuthengisa, amaholo, nokugeleza kwemali) kodwa amanani ezabelo angathandwa noma ashaywe indiva.
Ukholelwa ukuthi kungenzeka ukuthola lezi ntengo zesitoko ezinesaphulelo esijulile emakethe.
Kunezizathu ezimbalwa zokuthi kungani intengo yesitoko yenkampani izokwehla ibe ngaphansi kwenani layo elingaphakathi - futhi uma enye yalezi zici iqala ukusebenza, kufanele ufune ithuba lokuthenga isitoko ngentengo ephansi.
8. Lungiselela ikusasa, ungalibikezeli.
Iningi labatshalizimali lizama ukuthenga amasheya azokhuphuka, kusho uWarren Buffett.
Abacabangi ukuthi izintengo ziyathetheleleka yini ngesisekelo sebhizinisi esiyisisekelo.
Inkinga iwukuthi noma ungabikezela ngokunembile ukuthi abanye abantu babecabangani, ngeke kukusize kangako ngoba ngokwencazelo ingxenye yabantu icabanga ngendlela ephambene—futhi ayikho indlela yokusho ukuthi iyiphi ingxenye elungile.
“Ukubikezela izimvula akubalwa, umkhumbi wokwakha ubalulekile”
UWarren Buffett uthi akufanele ukhathazeke ngokuguquguquka kwansuku zonke kwemakethe.
Akumele ukhathazeke ngokuthi umnotho uzokwenzani ngonyaka ozayo noma ngonyaka olandelayo.
Uhlanganisa iphothifoliyo yezinkampani ocabanga ukuthi zinganyuka inani ngenani elikhulu kunemakethe, futhi inqobo nje uma ziqhubeka nokwenza lokho uzokwenza kahle.
9. Qala kusenesikhathi ukushiya isikhathi esengeziwe sokuhlanganisa.
Ukuhlanganisa kungamandla amakhulu kunawo wonke endaweni yonke. Into enhle mayelana nokuhlanganisa ukuthi kuthatha okuthile okungekho, okufana nomlingo.
U-Buffett udume ngokuthi isikhathi sakhe sokubamba intandokazi singunaphakade.
Umcebo wakhe usukhule kakhulu, njengoba enza imali eningi eminyakeni eyi-10 edlule kunaleyo ayenzile eminyakeni yakhe engama-50 edlule.
“Ngatshala imali yami yokuqala ngineminyaka eyishumi nanye. Bengimosha impilo yami kuze kube yileso sikhathi”
Ukuhlanganisa kusebenza kangcono uma utshala imali kusenesikhathi futhi kaningi futhi isikhathi eside.
Lokhu kusho ukuthi kufanele ucabange ukutshala imali ngokushesha nje lapho usunemali eyengeziwe elele.
Ungalindi ikusasa noma ngonyaka ozayo noma uze ufinyelele kwezinye izinhloso zakho ngoba isikhathi sizokwenzela ingxenye yomsebenzi uma sekuhlanganiswe.
Ukuphetha
UWarren Buffett useyishintshile indlela abantu ababheka ngayo ukutshala imali.
Izifundo zakhe azisebenzi nje ekutshalweni kwezimali, kodwa cishe kuzo zonke izici zokuphila.
Uchithe impilo yakhe ezama ukuqonda indlela yokwenza imali enengqondo, futhi iseluleko sakhe singasisiza senze izinqumo ezihlakaniphile kuzo zonke izici zokuphila kwethu.
Kwabaqalayo noma omakadebona ngokufanayo, amasu ka-Buffett kungenzeka anikeze ukuqonda emhlabeni wezezimali.
I-Oracle yezifundo zika-Omaha ikhona ukuze ithathwe, uma nje sizolalela futhi sifunde.
shiya impendulo