Sinokuyibetha imarike endaweni yokuba yiyo

Ubuthathaka beNtsebenziswano yesiNtu

UCharlie Munger wabonisa ukuba abaninzi bacinga ukuba ii-stocks ze-100 zibenza babe ngabachwephesha kunokuba babe nezine okanye ezintlanu kuphela.

“Ndicinga ukuba le yimpambano ngokupheleleyo,” utshilo uMunger.

"Ndicinga ukuba kulula ukufumana ezintlanu kune-100," utshilo umtyali-mali oneminyaka engama-97 ubudala. “Abo batyhalela ukwahlukana, ndikubiza ngokuthi 'diworsification.' Ndikhululeke ngakumbi ngokuba nezitokhwe ezibini okanye ezithathu endiziqondayo kwaye ndinenzuzo kuzo.”

Injongo ayikokulandela imarike kodwa kukuba nepotifoliyo egxininisiweyo ye-asethi enonxulumano oluphantsi.

IiNdlela ezizezinye zesiNtu (uLingano lwaBucala kunye neTyala)

Izabelo zabucala kunye netyala labucala zezona zimbini zolona tyalo-mali lubalulekileyo oluthembisa ngamathuba amahle okukhula kwenkunzi kunye nengeniso. Iingenelo zabo ziza neengozi ezininzi, ekufuneka zilawulwe ngononophelo. Abatyali-mali kufuneka bathathe indlela yobuchule eya kunciphisa imingcipheko kwaye yandise imbuyekezo.

Umngcipheko woLingano lwaBucala (oko kukuthi ukuthengwa kweSintu)

1. Isicatshulwa esiyingozi sombane

   • Utyalo-mali lwe-PE lwexesha elide, ludla ngokufuna iminyaka eyi-7-10+ yembuyekezo.

   • Amathuba alinganiselweyo okuphuma phambi komsitho wokuhlawula amatyala (umzekelo, IPO okanye intengiso).

     
     

2. UVavanyo Isicatshulwa esisemngciphekweni

   • Uqingqo-maxabiso lusekwe kwiimodeli zangaphakathi, hayi amaxabiso entengiso kungoko kukho iimpazamo.

     
     

3. Uzalisekiso Isicatshulwa esisemngciphekweni

   • Iinkampani zeepotfoliyo zinokusilela ukukhula okanye ukuphumeza uphuculo lokusebenza.

     
     

4. Phuma kwisicatshulwa esinomngcipheko

   • Iimeko zemarike zinokulibazisa ukuphuma okunengeniso kunye nembuyekezo (oko kukuthi ubhubhane we-Covid)

     
     

5. Uqwalaselo Isicatshulwa esinobungozi
   • Ukubonakaliswa okugqithisileyo kumashishini athile, iindawo, okanye izigaba zophuhliso kunokunyusa ilahleko.

Ukulawula imingcipheko kwiziCwangciso zoBulungisa baBucala

1. Isicatshulwa esineenkcukacha zohlalutyo

   • Vavanya iimali zenkampani (ngokufanelekileyo kwimeko esezantsi), indawo yemarike, kunye nethemba lokukhula.

   • Phonononga amava kunye nerekhodi yomphathi wengxowa-mali yePE.

   • Yazi amandla kwizivumelwano ukuyigcina ilawuleka.

     
     

2. Isiqendu sokwahluka

   • Ukwahlula utyalo-mali ngoshishino, ijografi, kunye nenqanaba (ukulingana kokukhula, ukuthenga, njl.).

   • Kuphephe ukugxila kakhulu kumacandelo asemngciphekweni omkhulu njengetekhnoloji okanye uqalo.

     
     

3. Ulawulo lwePotfoliyo esebenzayo isicatshulwa

   • Ukusebenzisana neenkampani zepotfoliyo kubuchule bokudala ixabiso kubandakanywa ukusebenza kakuhle kunye nokwandiswa kweemarike.

   • Ukuqinisekisa ukumelwa kwebhodi okanye amalungelo okongamela izigqibo eziphambili zoshishino.

     
     

4. Phuma kwisicatshulwa esiCwangcisiweyo seQhinga

   • Chonga izicwangciso zokuphuma, ezifana nee-IPOs, iintengiso ezicwangcisiweyo, okanye ukwenziwa ngokutsha.

   • Ukubeka iliso kwiimeko zemarike kwixesha leziganeko zokungabi namali yokuhlawula amatyala kangangoko.

     
     

5. UVavanyo Isicatshulwa ekugxilwe kuso
   • Ungaze uhlawule ngaphezulu kwe-asethi ngokusebenzisa imilinganiselo yoqingqo maxabiso.
   • Uxinzelelo-vavanya iimeko ezijonge ezantsi ukuqikelela ukomelela kotyalo-mali.

Imingcipheko yeTyala yaBucala

1. Isicatshulwa esihlala siseMngciphekweni

   • Kukwakho nelahleko enokubakho ngenxa yokusilela kwabatyalwayo.

     
     

2. Isicatshulwa esiseMngciphekweni woLiquidity

   • Iimali mboleko zabucala zihlala zingekho mthethweni kwaye ke kunzima kakhulu ukuzithengisa (ukuya kwimarike yesibini kuya kuthatha ixesha kwaye kufuna ukuchetywa kweenwele okunokwenzeka)

     
     

3. Umyinge wenzala isicatshulwa esiyingozi

   • Amazinga aphezulu achaphazela imali-mboleko esisigxina, kwaye amaxabiso aphantsi anokunciphisa imbuyekezo edadayo.

     
     

4. Isicatshulwa esisesichengeni soQoqosho

   • Ukudodobala koqoqosho olukhulu kunokunyusa amazinga okusilela, ngakumbi kubaboleki abanomngcipheko.

     
     

5. Isicatshulwa esisemngciphekweni woMnqophiso
   • Iimali-mboleko ze-Covenant-lite zingenza buthathaka ukhuseleko lwababolekisi.

Ubuchule boLawulo loMngcipheko kwiTyala laBucala

1. Uhlalutyo lwesicatshulwa somboleki

   • Yazi ishishini lomboleki kunye nobuthathaka kwezoqoqosho.

   • Vavanya ikhredithi yomboleki, kuquka ukuhamba kwemali, ityala kunye nesibambiso.

     
     

2. Portfolio Diversificationsome text

   • Yahlula-hlula umngcipheko ngokubolekisa kumxube wababoleki kumacandelo kunye neejografi.

   • Ukubonakaliswa kwebhalansi phakathi kweemali-mboleko ezikhuselweyo eziphezulu (umngcipheko ophantsi) kunye netyala le-mezzanine (umngcipheko ophezulu, imbuyekezo ephezulu).

     
     

3. Imali-mboleko yoKwakha umbhalo

   • Gxininisa kwiimali-mboleko ezikhuselekileyo ezinesibambiso esiluqilima kunye neminqophiso enyanzeliswayo.

   • Bandakanya imilinganiselo yokuzikhusela, enje ngomlinganiselo wokhuseleko lwetyala.

     
     

4. Isicatshulwa esiqhubekayo sokubeka iliso

   • Ababoleki kufuneka banike iingxelo zemali rhoqo ukujonga ukusebenza kunye nokuthotyelwa.

   • Qwalasela kuhlengahlengiso okanye ukuthethana ngokutsha ngemiqathango ngexesha lobunzima bezemali.

     
     

5. Inqaku lenzala elilawulayo
   • Ubhenco kwinzala yeHedge kusetyenziswa izinto eziphuma kuzo, ingakumbi kwiimali mboleko ezidadayo.
   • Hlalutya indlela iinguqu kwizinga lenzala ezichaphazela ngayo iipotfoliyo zamatyala azinzileyo kunye nezinga elidadayo.

Iindlela zoKwahluka kwii-Cryptocurrencies ("Iindlela ezingezizo ezeMveli")

1. Isicatshulwa esaziwayo se-Asethi yoHlelo

   • I-Cryptocurrencies: Iingqekembe zemveli ezifana neBitcoin (BTC) okanye i-Ethereum (ETH).

   • Iimpawu ze-DeFi: Iimpawu zamaqonga ezemali ezinatyisiweyo (umz., Uniswap, Aave).

   • I-Stablecoins: Ixhomekeke kwi-fiat yokunciphisa ukuguquguquka (umzekelo, i-USDT, i-USDC).

   • I-NFT kunye ne-Metaverse Tokens: Enxulumene nobugcisa bedijithali, ukuqokelela, kunye nehlabathi elibonakalayo (umzekelo, i-Decentraland, i-Axie Infinity).

   • Iimpawu eziluncedo: Ukubonelela ngeenkonzo ezinikezelweyo ze-blockchain (umzekelo, i-Chainlink, iFayilecoin).

   • I-Layer-2 Solutions: Ukwandisa i-blockchain scalability (umzekelo, i-Polygon, i-Arbitrum).

   • Iimpawu zeWeb3: Ukunika amandla i-intanethi enikezelweyo kunye nokugcinwa (umzekelo, iHelium, iGrafu).

     
     

2. Khetha amaqonga usebenzisa iibhloko ezahlukeneyo.isicatshulwa esibhaliweyo

   • Yahlulahlula kwiibhlokhi ezinje ngeEthereum, iBinance Smart Chain, iSolana, iCardano, kunye neAvalanche.

   • Yehlisa ukuthembela kwi-ikhosistim enye kwaye ithomalalisa imingcipheko yokusilela ngokweprothokholi ethile.

     
     

3. Nikela ngoMngcipheko umbhalo onomdla

   • I-Conservative: Gxininisa kwi-cryptocurrencies esekiweyo kunye ne-stablecoins.

   • Ukulinganisela: Yongeza i-altcoins ephakathi kunye ne-DeFi.

   • I-Aggressive: Yongeza i-cap encinci kunye neeprojekthi ezikhulayo ezinokukhula okuphezulu

     
     

4. Isicatshulwa seJografi kunye neShishini eliDiversificationsome

   • Tyala imali kwiiprojekthi ezinezibheno zehlabathi okanye ezigxile kwingingqi.

   • Ikhava amacandelo afana nezezimali (i-Ripple, i-Stellar), imidlalo (i-Enjin, i-Gala), okanye ikhonkco lokubonelela (iVeChain).

     
     

5. Ubhalo oluNgenisayo lweNgeniso eyohlukeneyo
   • Istayki, ifama yesivuno, i-liquidity pool, okanye sebenzisa i-node ukuze ufumane ingeniso.

Ukwahluka ngokusekwe kuMngcipheko wakho kunye nexesha loTyalo-mali

1. I-Conservative Portfolio (uMngcipheko oMphantsi, oZinzile weXesha elide) okubhaliweyo okubhaliweyo

   • BTC 40%

   • I-Ethereum (ETH): 30%

   • I-Stablecoins (USDT, USDC): 20%

   • Umaleko-2 uphawu (Polygon): 10%

     
     

2. I-Moderate Risk Balanced Portfolio yombhalo okhulayo

   • I-Bitcoin (BTC): 30%

   • I-Ethereum (ETH): 25%

   • Uluhlu-1 Altcoins (Solana, Cardano): 20%

   • Iimpawu zeDeFi (Uniswap, Aave): 15%

   • I-Stablecoins (USDT, USDC): 10%

     
     

3. I-Aggressive Portfolio (uMngcipheko oPhezulu, uMvuzo oPhezulu) umbhalo othile
   • I-Ethereum (ETH): 20%
   • Umaleko-1 Altcoins (Avalanche, Fantom): 20%
   • NFT/Metaverse Iimpawu: 20%
   • Ii-Altcoins ezincinci: i-20% (Iiprojekthi ezifana ne-Render, Arbitrum)
   • Iimpawu zeDeFi (iCurve, PancakeSwap): 10%
   • I-Stablecoins (USDT): 10%

Umngcipheko weHedging

Ukuthintela umngcipheko kwi-cryptocurrency kunye neealtcoins kubandakanya izicwangciso zokunciphisa ilahleko ngelixa ubambelele ekufumaneni amandla. Nazi iindlela ezisebenzayo zokukhusela:

1. Diversify Your Investmentssome text

   • I-Cryptocurrencies engundoqo: Tyala kakhulu kwiimali ezizinzile njenge-Bitcoin (BTC) kunye ne-Ethereum (ETH), njengoko zincinci kakhulu kunee-altcoins ezincinci.

   • Tyala kwiindidi ezahlukeneyo ze-altcoin (umzekelo, i-DeFi, imidlalo, iziseko zophuhliso) ukunciphisa ukuxhomekeka kwicandelo elinye.

   • Bamba i-stablecoins (umzekelo, i-USDT, i-USDC) ukunciphisa ukuguquguquka kwepotifoliyo kunye nokuqinisekisa ukuba akukho mali.

     
     

2. Uthango olunombhalo weStablecoinssome

   • I-Volatility Buffer: I-Stablecoins inceda ukugcina uzinzo ngexesha lokuhla ngenxa yokuba zixhomekeke kwi-fiat.

     
     

3. Velisa Amathuba okubhaliweyo

   • Istake okanye uboleke i-stablecoins ukwenza ingeniso engenzi nto ngexesha lentengiso yemalike (lumkela umngcipheko weqela elinokubakho)

     
     

4. Sebenzisa iDollar-Cost Average (DCA) umbhalo othile

   • Tyala kwiimali ezimiselweyo ngamaxesha athile, endaweni yemali eninzi, ukunqanda ukuguquguquka kwexabiso.

     
     

5. Sebenzisa i-Stop-Loss Orderssome text

   • Susa ii-asethi ngokuzenzekelayo ukuba amaxabiso ehla ngaphantsi komqobo ochazwe kwangaphambili ukunqanda ilahleko enkulu.

     
     

6. Iheji enemveliso eguqukileyo okanye izinto eziphuma kuyo.isicatshulwa esithile esimnandi

   • Ukuthengisa okufutshane: Inzuzo ekuthotyweni kwexabiso ngekamva okanye ngokurhweba ngomda.

   • Sebenzisa iinketho ze-cryptocurrency ukubiyela ilahleko ngelixa ugcina amandla aphezulu.

   • Ii-ETF eziguquguqukayo: Ukuba amathokheni anee-ETF ezikhoyo (umzekelo, i-Bitcoin), zinokusebenza njengethango.

     
     

7. Tyala kwisicatshulwa esine-Asethi yoLungelwano oluPhantsi

   • Ukwahluka ube sisitokhwe, igolide, okanye izindlu nomhlaba ukuthoba imingcipheko ethile ye-crypto.

     
     

8. Yabela kwi-Infrastructure Projectssome text

   • Tyala imali kwiithokheni ezifana ne-Chainlink kunye nePolygon, ezinokukhula okuzinzileyo ngenxa yokusetyenziswa kwazo okubanzi.

     
     

9. Yakha itekisi yeMali eCushionssome

   • Gcina inxalenye yolwelo lwepotfoliyo yakho, ngemali eziinkozo okanye ezinye ii-asethi ezingamanzi, ukwenzela ukuhla kweemarike okanye iimeko zikaxakeka.

     
     

10. Ubalo lwesicatshulwa kwiMarike Cyclessome
    • Musa ukuyigqithisa ngee-asethi ezinxibelelene kakhulu enye kwenye. Iingqekembe ezimbini eziguquguqukayo ezineeprojekthi ezizinzileyo. Qonda imijikelo yeMarike Ukulungelelanisa ipotifoliyo yakho nanini na xa imarike itshintsha (umzekelo, kwiimarike zeebhere, ukunciphisa ukuvezwa kwee-altcoins ezinomngcipheko ophezulu).