\nKristy Shen a scris \u00eempreun\u0103 cu so\u0163ul s\u0103u cartea \u201eQuit Like a Millionaire\u201d (D\u0103-\u0163i demisia ca un milionar), dup\u0103 ce au reu\u015fit s\u0103 se \u00eembog\u0103\u0163easc\u0103 investind dup\u0103 criza financiar\u0103. <\/p>\n
\nLa \u00eenceputul lui 2008, c\u00e2nd terminase facultatea de c\u00e2\u0163iva ani \u015fi avea un job cu norm\u0103 \u00eentreag\u0103, Kristy Shen a \u00eenceput s\u0103 investeasc\u0103 g\u00e2ndindu-se c\u0103 asta trebuie s\u0103 fac\u0103 un adult responsabil, potrivit platformei grow.acorns.com.<\/p>\n
\nDac\u0103 ini\u0163ial s-a g\u00e2ndit la domeniul imobiliarelor, ulterior s-a reorientat pe Burs\u0103. Locuia \u00een Toronto, \u00een Canada, iar investi\u0163iile \u00een imobiliare ar fi fost prea mari. <\/p>\n
\n\u201eS\u0103 investesc nu era un concept u\u015for pentru mine. Am crescut \u00een China rural\u0103 \u00eenainte s\u0103 imigrez \u00een Canada c\u00e2nd aveam 8 ani. La un moment dat, familia mea tr\u0103ia cu 44 de cen\u0163i pe zi. A\u015fadar, s\u0103 devin milionar\u0103 a devenit un vis, unul greu de atins\u201d, poveste\u015fte t\u00e2n\u0103ra.<\/p>\n
\nTeama c\u0103 nu va reu\u015fi a devenit \u015fi mai mare \u00een perioada Recesiunii, c\u00e2nd o serie de ac\u0163iuni s-au pr\u0103bu\u015fit. Ea \u00eempreun\u0103 cu so\u0163ul s\u0103u au decis s\u0103 investeasc\u0103 pentru c\u00e2\u015ftiguri pe termen lung. Iar dup\u0103 aceast\u0103 experien\u0163\u0103, au reu\u015fit s\u0103 \u00ee\u015fi creasc\u0103 portofoliul la o valoare de 7 cifre \u015fi s\u0103 se retrag\u0103 la 30 de ani pentru a c\u0103l\u0103tori \u00een jurul lumii.<\/p>\n
\n\u201eUltimele c\u00e2teva luni ne-au afectat fiecare aspect al vie\u0163ii. Dar cel mai important este s\u0103 \u00ee\u0163i aminte\u015fti c\u0103 po\u0163i s\u0103 g\u0103se\u015fti oportunit\u0103\u0163i \u00een vremuri de incertitudine precum aceasta, \u00een special dac\u0103 \u00eencepi s\u0103 investe\u015fti.\u201d<\/p>\n
\nEa spune c\u0103 sunt trei lec\u0163ii pe care le-a \u00eenv\u0103\u0163at la criza anterioar\u0103, care \u00eei ajut\u0103 \u00een continuare s\u0103 \u00ee\u015fi administreze portofoliul:<\/p>\n
\n1. G\u00e2ndi\u0163i-v\u0103 la pie\u0163ele \u00een c\u0103dere ca la cele cu oportunit\u0103\u0163i de investi\u0163ii<\/p>\n
\nE important s\u0103 \u0163ine\u0163i minte c\u0103 exist\u0103 c\u00e2\u0163iva milionari ai prezentului genera\u0163i de criza anterioar\u0103. De ce? Dac\u0103 e\u015fti un investitor pe termen lung, o pia\u0163\u0103 \u00een sc\u0103dere \u00ee\u0163i ofer\u0103 oportunitatea s\u0103 investe\u015fti \u201ela reducere\u201d, dac\u0103 ar fi s\u0103 facem o compara\u0163ie cu cump\u0103rarea unor haine.<\/p>\n
\nEa poveste\u015fte c\u0103 aveau o avere net\u0103 de 135.000 de dolari la criza anterioar\u0103 pe care, \u00een loc s\u0103 \u00eei investeasc\u0103 \u00eentr-o cas\u0103, au investit-o \u00een ac\u0163iuni. Chiar dac\u0103 acestea au sc\u0103zut ini\u0163ial, \u015fi-au revenit dup\u0103 doi ani.<\/p>\n
\nEi au investit toate economiile lor, \u00eens\u0103 t\u00e2n\u0103ra spune c\u0103 nu este nevoie de foarte mul\u0163i bani pentru a \u00eencepe.<\/p>\n
\n2. Nu \u00eencerca\u0163i s\u0103 prezice\u0163i viitorul<\/p>\n
\n\u201eDac\u0103 am fi \u00eencercat s\u0103 facem investi\u0163ii complicate pe care nu le-am fi \u00een\u0163eles, nu am fi ajuns unde suntem ast\u0103zi\u201d, spune ea.<\/p>\n
\nAstfel, ea este de p\u0103rere s\u0103 nu \u00eencerca\u0163i s\u0103 investi\u0163i \u00een ac\u0163iuni individuale sau \u00een investi\u0163ii complicate – chiar dac\u0103 a\u0163i putea avea noroc o dat\u0103 sau de dou\u0103 ori – acest lucru nu va func\u0163iona pe termen lung.<\/p>\n
\n3. Face\u0163i pa\u015fi \u00een direc\u0163ia reducerii riscurilor<\/p>\n
\n\u201eDup\u0103 cum spunea Warren Buffet – Este important s\u0103 fi\u0163i tem\u0103tori c\u00eend al\u0163ii sunt lacomi \u015fi lacomi c\u00e2nd al\u0163ii sunt tem\u0103tori\u201d. Astfel, ea consider\u0103 c\u0103 este important s\u0103 v\u0103 g\u00e2ndi\u0163i bine cum v\u0103 gestiona\u0163i portofoliul – ei au \u00eenceput cu 70% equity, 30% obliga\u0163iuni. Este important de asemenea s\u0103 v\u0103 echilibra\u0163i portofoliul tot timpul.<\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Kristy Shen a scris \u00eempreun\u0103 cu so\u0163ul s\u0103u cartea \u201eQuit Like a Millionaire\u201d (D\u0103-\u0163i demisia ca un milionar), dup\u0103 ce au reu\u015fit s\u0103 se \u00eembog\u0103\u0163easc\u0103 investind dup\u0103 criza financiar\u0103. La \u00eenceputul lui 2008, c\u00e2nd terminase facultatea de c\u00e2\u0163iva ani \u015fi avea un job cu norm\u0103 \u00eentreag\u0103, Kristy Shen a \u00eenceput s\u0103 investeasc\u0103 g\u00e2ndindu-se c\u0103 asta […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[15014,182,274,149,179,26240,19707],"class_list":["post-184601","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-canada","tag-criza","tag-incepere","tag-investitii","tag-recesiune","tag-tanara","tag-timp"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/184601","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=184601"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/184601\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=184601"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=184601"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=184601"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}