Peb zaj lus qhia los ntawm Warren Buffett tsim nyog them sai sai rau tam sim no

Kev paub meej txog nyiaj txiag thiab lub tswv yim yog xav tau, raws li qhia los ntawm ntau txhiab tus Berkshire Hathaway
BRKB,
-0.76%
Cov tswv lag luam uas tau ntsib lub Plaub Hlis 30 hauv Omaha, Nebraska, rau lawv lub rooj sib tham txhua xyoo lossis saib cov kwj nyob hauv CNBC.

Berkshire Hathaway tus thawj coj thiab CEO, Warren Buffett, yog ib tus txiv neej nplua nuj tshaj plaws hauv ntiaj teb, yog 91-xyoo-laus tub ua lag luam thiab cov lus dab neeg ua lag luam paub txog nws cov lus qhia txog nyiaj txiag thiab kev ua tau zoo. Nov yog yam koj tuaj yeem kawm los ntawm nws txog kev nce nqi, kev nqis peev nyiaj txiag thiab kev nqis peev uas muaj txiaj ntsig, thiab koj tuaj yeem ua dab tsi hnub no txhawm rau txhim kho koj cov peev nyiaj txiag.

1. Kev nce nqi yog tawm ntawm cov tub ua lag luam tswj hwm

nce nqi "swindles yuav luag txhua tus," Buffett ceeb toom cov tub ua lag luam rau lub Plaub Hlis 30. Tus nqi ntawm cov khoom thiab cov kev pabcuam tau nce siab, txhais tau tias US duas tuaj yeem yuav tsawg dua li nws yuav ib xyoos lossis ob xyoos dhau los.

Cov tsev neeg Asmeskas twb tau cuam tshuam nrog ntau xyoo ntawm cov nyiaj ua haujlwm tsis tu ncua tam sim no tau sib cav nrog cov khoom noj khoom haus nce ntxiv, roj thiab cov nqi vaj tse, rau npe rau ob peb tug. Thiab thaum kev hloov pauv kev lag luam thiab cov xwm txheej thoob ntiaj teb tawm ntawm ib tus neeg ua lag luam tus kheej ntawm kev cuam tshuam, nws yog qhov zoo rau cov neeg siv khoom kom tsom mus rau qhov lawv tuaj yeem tswj tau. Feem ntau, qhov ntawd txhais tau hais tias nyob hauv chav kawm nrog koj lub tswv yim nqis peev - tom qab tag nrho, raws li Buffett yuav qhia, kev nqis peev rau lub sijhawm ntev yog qhov zoo tshaj plaws los yeej kev nce nqi.

Tsis tas li ntawd saib: Warren Buffett txoj kev nqis peev peev yuav mus tas li tom qab cov kws tshawb fawb tau tawg nws txoj cai nqis peev

2. Cov nyiaj Index tuaj yeem muab kev sib txawv yooj yim, muaj txiaj ntsig zoo

Buffett yog tus kiv cua loj ntawm Performance index cov nyiaj, kev nqis peev uas tsom rau qhov kev lag luam tshwj xeeb, xws li S&P 500: "Nyob rau hauv kuv qhov kev xav, rau cov neeg feem coob, qhov zoo tshaj plaws yog ua yog tus tswv ntawm S&P 500.
SPX,
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Index Fund, "said Buffett nyob rau lub Tsib Hlis 2022.

Cov nyiaj qiv qis qis feem ntau them nqi qis dua li cov nyiaj tau txais txiaj ntsig zoo thiab tso cai rau koj mus yuav cov khoom sib txawv ntawm kev lag luam lossis kev lag luam. Hauv cov ntsiab lus siv tau, nws nthuav tawm qhov kev pheej hmoo ntawm koj cov peev txheej, uas yog qhov tseem ceeb tshwj xeeb thaum lub sij hawm tsis hloov pauv.

Hauv qhov sib piv, "kev khaws cov khoom lag luam," lossis nquag tswj hwm kev lag luam nyiaj txiag los ntawm kev yuav cov khoom lag luam tus kheej, tuaj yeem kim, siv sijhawm thiab pheej hmoo. Thiab raws li San Francisco tus kws pab tswv yim nyiaj txiag Kevin Cheeks, feem ntau nws tsis them nyiaj: "Feem ntau cov kws tswj nyiaj txiag tsis tuaj yeem ua lag luam tsis tu ncua. Tej zaum lawv yuav muaj ob peb xyoos zoo, tab sis 70 mus rau 80% ntawm cov thawj tswj hwm nyiaj txiag yuav ua tsis tau zoo hauv khw lag luam. "

Cov ntaub ntawv pov thawj tias: S&P Dow Jones Indices Tshaj tawm ze li ntawm 80% ntawm cov peev nyiaj tswj hwm tau ua tsis tau zoo ntawm S&P Composite 1500 hauv xyoo 2021. "Kev them nqi ntau dua rau qee yam uas yuav ua tsis tau zoo dhau sijhawm tsis ntxiv ntau npaum li koj cov ntaub ntawv," Cheeks hais.

Thaum nug txog kev khaws khoom rau lub Plaub Hlis 30, Buffett tau hais tias: "Peb [Buffett thiab Charlie Munger, Berkshire Hathaway tus lwm thawj] tsis muaj lub tswv yim zoo tshaj plaws uas lub khw lag luam yuav ua thaum nws qhib hnub Monday. Peb yeej tsis muaj." Nws hais ntxiv tias: “Kuv tsis xav tias peb tsis tau txiav txim siab qhov twg peb ib leeg tau hais lossis xav tias peb yuav tsum yuav lossis muag raws li lub khw yuav ua. Los yog, rau qhov teeb meem, ntawm qhov kev lag luam yuav ua li cas. Peb tsis paub. "

Txhawm rau pib nrog cov nyiaj qiv nyiaj, xaiv qhov ntsuas xws li S&P 500, Dow Jones Industrial Average
DJIA,
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Nasdaq Composite
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lossis Wilshire 5000 thiab cov nyiaj uas taug qab qhov ntsuas ntawd. Ntau tus tub ua lag luam xaiv cov peev nyiaj los ntawm lawv qhov kev siv nyiaj, lossis koj tus nqi txhua xyoo qhia raws li feem pua ​​​​ntawm koj cov peev txheej. Tom qab ntawd thaum koj npaj yuav, koj tuaj yeem ua li ntawd los ntawm kev nqis peev xws li tus account brokerage lossis IRA. Cov tswv hauj lwm txhawb nqa cov phiaj xwm nyiaj laus, xws li 401(k)s, kuj tseem tuaj yeem muab kev nkag mus rau cov nyiaj qiv nyiaj.

3. Kev nqis peev uas muaj nuj nqis tuaj yeem yog lub tswv yim zoo

Buffett hais rau Forbes magazine xyoo 1974 tias "Yuav mus rau hauv ib lub tuam txhab vim koj xav ua tus tswv, tsis yog vim koj xav kom cov khoom lag luam nce," Buffett hais rau Forbes magazine xyoo XNUMX. Kev ntsuas lub tuam txhab tus nqi yog ib lub tswv yim rau kev xaiv qhov twg thiab thaum twg los nqis peev.

Tus nqi nqis peev txhais tau tias yuav cov khoom lag luam zoo, zoo tshaj plaws ntawm tus nqi, thiab tuav lawv rau xyoo.

Kuj tseem muaj kev nqis peev raws li koj qhov txiaj ntsig, uas suav nrog kev xav txog koj txoj kev sib raug zoo, kev ntseeg, ib puag ncig lossis kev ntseeg ncaj ncees thaum koj nqis peev.

Buffett tau ua tiav zoo rau nws tus kheej los ntawm kev ua raws ob lub tswv yim. Piv txwv li, ntawm lub rooj sib tham xyoo no, Buffett tshaj tawm Berkshire Hathaway tau yuav 15 lab shares ntawm lub tuam txhab gaming Activision Blizzard. Kev nrhiav tau yog ib qho piv txwv tsis ntev los no ntawm Buffett lub tswv yim ntawm kev xaiv kev nqis peev uas tsis muaj nqis ntawm tus nqi txaus nyiam es tsis txhob xaiv cov khoom lag luam raws li kev loj hlob muaj peev xwm.

Nyob rau hauv rooj plaub ntawm Berkshire Hathaway txoj kev ntseeg, Buffett tau ua ntej plaub qhov tseem ceeb: kev tuav pov hwm, Apple
AAPL,
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railroads (BNSF Railway) thiab lub zog. Hauv nws tsab ntawv 2021 rau Cov Tswv Cuab, Buffett piav qhia txog txoj kev tsheb ciav hlau yog "tus lej ntawm cov hlab ntsha ntawm Asmeskas kev lag luam" thiab "ib qho khoom muaj nqis uas tseem ceeb rau Asmeskas thiab rau Berkshire." Kev ntseeg hauv cov kev pabcuam kev tsheb ciav hlau muab thiab lawv qhov cuam tshuam rau ib puag ncig yog qhov tseem ceeb rau Buffett txoj kev nqis peev. "Yog tias ntau yam khoom tseem ceeb BNSF nqa tau raug thauj los ntawm tsheb thauj khoom, Asmeskas cov pa roj carbon emissions yuav nce siab," nws sau.

saib: Warren Buffett thiab Berkshire Hathaway yog ib zaug ua tau zoo dua ntawm kev lag luam Tshuag. Apple yog ib qho laj thawj loj tab sis lwm 10 cov khoom lag luam no kuj tau pab

Txawm hais tias cov neeg muaj $ 100 lossis $ 1,000 los nqis peev, kev nqis peev raws li koj qhov tseem ceeb tseem tuaj yeem yog qhov tseem ceeb rau kev txiav txim siab. Cheeks pab cov neeg siv khoom ua ntau yam kev xaiv muaj nqis raws li lawv nqis peev. “Cia peb tsom ntsoov rau yam koj yuav tsum ua kom tiav. Thiab tom qab ntawd cia saib seb peb tuaj yeem ua li cas los ntawm ib lub lens tshwj xeeb xws li kev cuam tshuam lossis kev siab hlub, "nws hais.

Yog tias koj txaus siab rau tus nqi nqis peev, koj yuav tsum tau tshawb fawb cov tuam txhab tsis muaj nqi thiab tsis saib xyuas hauv kev lag luam niaj hnub no - uas yooj yim dua thaum kev lag luam poob qis, raws li nws tsis ntev los no tau ua.

Xav paub ntau ntxiv: Kuv yuav tsum nqis peev ntau npaum li cas? | Peev Xwm: Ep. 1

Raws li kev nqis peev hauv txoj kab nrog koj cov txiaj ntsig, ntau tus broker muaj cov cuab yeej tshuaj ntsuam xyuas uas tso cai rau koj los lim cov peev nyiaj lossis lwm yam kev nqis peev raws li ib puag ncig, kev sib raug zoo thiab kev tswj hwm (ESG) kev ua lag luam.

Ntau ntawm NerdWallet

Alieza Durana sau rau NerdWallet. Email: [email tiv thaiv].