{"id":224255,"date":"2024-02-18T11:32:39","date_gmt":"2024-02-18T11:32:39","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=224255"},"modified":"2024-02-18T11:32:39","modified_gmt":"2024-02-18T11:32:39","slug":"cum-a-reusit-un-tanar-cu-resurse-limitate-sa-revolutioneze-industria-de-brokeraj-si-sa-devina-miliardar","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=224255","title":{"rendered":"Cum a reu\u015fit un t\u00e2n\u0103r cu resurse limitate s\u0103 revolu\u0163ioneze industria de brokeraj \u015fi s\u0103 devin\u0103 miliardar"},"content":{"rendered":"<p>\n<strong>A pornit cu un club de investi\u0163ii deschis \u00een studen\u0163ie \u015fi a marcat apoi istoria industriei financiare cu o premier\u0103 care a transformat-o pentru totdeauna: Brokerajul cu comisioane reduse (discount broker). Ce a adus nou pe pia\u0163\u0103 acest concept, prin care Charles R. Schwab, un t\u00e2n\u0103r n\u0103scut \u00eentr-o familie modest\u0103, a ajuns multimiliardar?<\/strong><\/p>\n<p>\n<img 01=\"\" 1.tur=\"\" appdata=\"\" box:=\"\" c:=\"\" file:=\"\" local=\"\" msohtmlclip1=\"\" temp=\"\" text=\"\" users=\"\" \/>N\u0103scut \u00eentr-o familie de clas\u0103 mijlocie din Sacramento, California, \u00een vara anului 1937, Charles R. Schwab a devenit, cu timpul, interesat de lumea finan\u0163elor, a\u015fa c\u0103 \u00eentr-un final s-a \u00eenscris la Universitatea Stanford, unde s-a licen\u0163iat \u00een economie. Pe durata studiilor a avut \u015fi ini\u0163iativa fond\u0103rii unui club de investi\u0163ii, Investment Indicator, f\u0103r\u0103 s\u0103 \u015ftie c\u0103, pe viitor, aceste r\u0103d\u0103cini aveau s\u0103 creasc\u0103 \u015fi s\u0103 se transforme \u00eentr-un business cunoscut la scar\u0103 global\u0103.<\/p>\n<p>\n\u00cen 1971, Schwab a f\u0103cut un pas \u00eendr\u0103zne\u0163: cu o investi\u0163ie de 100.000 de dolari, bani \u00eemprumuta\u0163i de la unchiul s\u0103u, a pus bazele&nbsp; First Commander Corporation, care mai t\u00e2rziu a devenit Charles Schwab &#038; Co., Inc. Viziunea cu care a pornit pe calea antreprenoriatului a fost aceea de a revolu\u0163iona industria de brokeraj, care era dominat\u0103 \u00een acel moment de comisioane ridicate, motiv pentru care investitorilor individuali le era greu s\u0103 participe activ la pia\u0163a de valori. Astfel, noua firm\u0103 a lansat modelul discount broker,&nbsp; oferind comisioane mai mici \u015fi a exploatat tehnologii inovatoare, democratiz\u00e2nd investi\u0163iile \u015fi f\u0103c\u00e2ndu-le accesibile unei audien\u0163e mai largi, a\u015fa c\u0103 investitorii individuali au prins curajul de a intra pe pia\u0163\u0103, folosindu-se de acest nou model de brokeraj. Au urmat apoi noi premiere, precum&nbsp; adoptarea platformelor&nbsp; de tranzac\u0163ionare online. Aceste progrese nu numai c\u0103 au simplificat procesul de investi\u0163ii, dar au pus, de asemenea, bazele digitaliz\u0103rii serviciilor financiare pe care le vedem ast\u0103zi.<\/p>\n<p>\n\u00cen calitate de fondator \u015fi lider al Charles Schwab &#038; Co., Inc., antreprenorul a avut un rol&nbsp;&nbsp; crucial \u00een cre\u015fterea \u015fi extinderea organiza\u0163iei. \u00cen 1983, compania s-a listat la burs\u0103, marc\u00e2nd un moment semnificativ \u00een istoria sa. De-a lungul anilor, Schwab a ghidat, de asemenea, compania prin diverse fuziuni \u015fi achizi\u0163ii, precum achizi\u0163ia U.S. Trust Corporation \u00een 2000.<\/p>\n<p>\n\u00cen ciuda provoc\u0103rilor \u00eent\u00e2mpinate, cum ar fi bula dot-com de la sf\u00e2r\u015fitul anilor \u02bc90 \u015fi pr\u0103bu\u015firile ulterioare ale pie\u0163elor, rezilien\u0163a \u015fi deciziile strategice \u015fi vizionare ale lui Schwab au permis companiei s\u0103 treac\u0103 cu bine prin aceste furtuni. Ast\u0103zi, Charles Schwab Corporation este un gigant \u00een industria serviciilor financiare, care gestioneaz\u0103 active \u00een valoare de circa 8 trilioane de dolari, oferind o gam\u0103 larg\u0103 de servicii, inclusiv brokeraj, banking, gestionarea averilor \u015fi planificare pentru pensii. La r\u00e2ndul s\u0103u, fondatorul, care s-a retras din conducerea companiei \u00een 2008, p\u0103str\u00e2nd \u00eens\u0103 5% din ac\u0163iuni, are o avere de peste 11 miliarde de dolari.<\/p>\n<p>\n\u00cen paralel cu pasiunea pentru brokeraj, Schwab e un avid colec\u0163ionar de art\u0103 modern\u0103 \u015fi contemporan\u0103, f\u0103c\u00e2nd chiar parte din consiliul de administra\u0163ie al Muzeului de Art\u0103 Modern\u0103 din San Francisco.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A pornit cu un club de investi\u0163ii deschis \u00een studen\u0163ie \u015fi a marcat apoi istoria industriei financiare cu o premier\u0103 care a transformat-o pentru totdeauna: Brokerajul cu comisioane reduse (discount broker). Ce a adus nou pe pia\u0163\u0103 acest concept, prin care Charles R. Schwab, un t\u00e2n\u0103r n\u0103scut \u00eentr-o familie modest\u0103, a ajuns multimiliardar? N\u0103scut \u00eentr-o [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510,512,7208],"tags":[8719,31819,56956,9748,149],"class_list":["post-224255","post","type-post","status-publish","format-standard","hentry","category-actualitate","category-revista-bm","category-servicii-financiare","tag-brokeraj","tag-capitalistul-saptamanii","tag-charles-r-schwab","tag-comisioane","tag-investitii"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/224255","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=224255"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/224255\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=224255"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=224255"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=224255"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}