E aʻo e pili ana i nā ukana a me nā kālā hōkū

Kuhiʻai vs. Index Funds. ʻO wai kahi mea iʻoi aku ka noʻonoʻo i kāu kōkoi kālā? He nīnau maʻamau ia i nīnauʻia e nā mea kālā i ka manawa e hoʻomaka ai i kā lākou huakaʻi huakaʻi. Inā ua kohoʻoe i kekahi meke kālā a iʻole i'ōleloʻia i ka lima o nā mea kōkua waiwai kālā ,ʻikeʻoe aia kekahi mau manaʻo ikaika e pili ana i ka pono e kūʻai aku nā mea kūʻai i nā kumukūʻai hoʻokahi no kā lākou mau waihona kālā aiʻole e koho i kahi hōʻiliʻili o nā kumu waiwai hōʻemi .

No kekahi poʻe waiwai kālā, ua holo ka hohonu o kā lākou manaʻoʻiʻo i ka hoʻokomoʻana i nā kumukūʻai hōʻailona , ua like paha ia me ka hoʻomanaʻana iā lākou. No kekahi poʻe, hiamoe nui lākou i ka pō eʻike ana i kā lākou kōpili waihona nā hui likeʻole a lākou iʻimi ai i ka hohonu a me ka lima i kohoʻia. Nui ka walaʻau ma laila, a e kōkua iāʻoe e hoʻopau i nā leka a pau āu i heluhelu ai, manaʻo wau e hāʻawi aku iāʻoe i kahi nānā pōkole o kekahi mau pono a me nā hanana hoihoi o kēlā me kēia kula.

Hoʻopili i nā kālepa

Ke kūʻaiʻoe i nā mahele kālā ma nāʻoihana pilikino, liloʻoe i mea hoʻoilina o ka hui. ʻO ia hoʻi, e loaʻa iāʻoe kahi mahele like o nā waiwai a me nā lilo e pili ana i ka holomua o kaʻoihanaʻoihana.

Eia kekahi lā, e'ōlelo mākou ua loaʻa iā McDonald's Corporation he $ 4,551,000,000 ma hope o kaʻauhauʻana i ka waiwai, a ua hoʻoholo ka Papa o ka Hui e hoʻouna i $ 2,465,300,000 o kēia kua i nā mea waiwai o ka hui ma keʻano he uku kālā .

Ma muli o ke 1,010,368,852 mau māhele maikaʻi, ua hanaʻia kēia i $ 2.44 ma ka pāʻani. Inā loaʻa iāʻoe nā'āpana 1,000, ua loaʻa iāʻoe $ 2,440 i ke kālā. Inā loaʻa iāʻoe 1,000,000 mau'āpana, loaʻaʻoe i $ 2,440,000 i ke kālā.

ʻO nā mea kūʻai kālā i kūʻai i ka waiwai i nā kamaliʻiʻoihana i hala aku nei ua ulu nui loa. E noʻonoʻo inā e liloʻoe i puʻukū o Microsoft, Google, Berkshire Hathaway , Coca-Cola, Nike, eBay, Target, Disney, a me American Express i ka wā liʻiliʻi.

I ko lākou waiwai nui i ulu, ua waiwaiʻoe ma muli o ka nui o ka waiwai āu i mālama ai. ʻO kaʻoiaʻiʻo, he $ 10,000 kālā i Wal-Mart i ka manawa i hoʻolaha mua aku ai ka hui i nā mea kūʻai kālā i waho o nā mea kālā'ē aʻe, ua ulu aʻe nei i ka $ 10,000,000 a me ka hapa nui o ka waiwai!

I kekahiʻaoʻao, ua pau nā hui. I kekahi manawa, ua maʻalahi lākou e like me nā mea hana kūʻai kaʻa kaʻaʻAmelika. ʻO nā manawa'ē aʻe, hoʻopau lākou i kahi hōʻailona nui o ka hopena, e like me Enron. Inā loaʻa iāʻoe kahi waiwai i loko o kēia mau hui, ponoʻole kāu mau waiwai, e like me he wahi haleʻaiʻolua nō paha ia e pani ai i kona puka.

Hoʻolilo i nā kālā kālā

Ke kūʻaiʻoe i kahi pūnaewele hōʻailona, ​​ke kūʻai neiʻoe i ka hōʻailona o nā lāʻau i hanaʻia e nānā i kahi helu kuhikuhi, e like me Dow Jones Industrial Average a iʻole ka S & P 500 . Ma keʻano,ʻo nā mea kūʻai kālā e kūʻai ana i nā kuleana o ka waihona helu hōʻailona kuleana'āina i loko o nā haneli, haneli, a iʻole nā ​​mano o nā hui likeʻole.

ʻO ka mea nāna e hoʻokomo i ka hua'ōlelo, e'ōlelo anaʻo ia, "Uaʻike wau e haʻalele au i ka Wal-Mart a me McDonald o ke ao nei, akā, e hōʻalo hoʻi au i nā'ōlelo a Enron a me Worldcom o ka honua. e lilo i mea hoʻoilina.ʻO kaʻu pahuhopu wale nō ka loaʻaʻana o kahi kūpono o ka hoʻihoʻiʻana i kaʻu kālā no ka uluʻana i ka manawa.

ʻAʻole makemake wau e heluhelu i nā pūʻulu makahiki a me 10Ks , aʻaʻole makemake wau e hoʻonui i kaʻike kālā kūikawā a me ka hōʻike kālā. "

ʻO ka helu'ōlelo, 50% o nā kumukūʻai he pono ma lalo o ka average a 50% o nā kumukūʻai e pono ma luna o ke kaulike. ʻO kēia ke kumu no ka nui o nā waihona kumukānāwai hōkele waiwai e pili ana i ka hoʻokomo kālā hoʻokomo. ʻAʻole lākou e hoʻolimalima i nā hola he nui i kēlā me kēia makahiki e nānā ana i kā lākou kōpili. ʻOiai he mea pono eʻikeʻia kahiʻoihana waiwai i nā hui likeʻole me kaʻoihana o kaʻoihana, kāna pane kālā , ka pale kaulike , nā lakeneka kālā, ka papahana, kaʻoihana, a me nā mea'ē aʻe.

ʻOiaiʻoʻoe wale nō a me kāu mea hoʻolālā kālā kūpono e hoʻoholo i kahi ala kūpono a maikaʻi loa no kāu kūlana pono'ī, ma keʻano he kulekele, hōʻano pūnaewele hōʻano kālā ma mua o ka hoʻokomoʻana i nā kumukūʻai hoʻokahi no ka mālamaʻana i nā kumukūʻai i haʻahaʻa, e wehe i ka pono e noi mau i ka uku nā hōʻike mai nā pūʻulu, aʻaneʻane hiki loa ke hōʻoia ka "mean", heʻoi aku ka maikaʻi loa i ka naloʻana i kāu kālā i loaʻa i kahi hanaʻino.