Amekae nye Ray Dalio, agbe kple dɔwɔwɔ, eƒe gɔmeɖose veviwo le gadede asi me
Ray Dalio nye kesinɔtɔ siwo le ɣletinyigba dzi egbea la dometɔ ɖeka. Menye ɖeko wonyae ɖe eƒe ŋutete be wòakpɔ viɖe ta ko o, ke boŋ ɖe eƒe mɔnu tɔxɛ si wòzãna tsɔ wɔa asitsatsa hã ta. Wodzi ŋutsu sia le jazz hadzila aɖe ƒe ƒome me le New York le ƒe 1949 me. Woɖee fia gaxɔgbalẽviwo esime wòxɔ ƒe 12. Le ɣeyiɣi sia me la, eƒle eƒe gome gbãtɔ. Ƒewuivi sia wɔa dɔ ɣeyiɣi aɖe le golf-ƒoƒe aɖe eye wòsea dzeɖoɖo siwo ku ɖe gaxɔmenudzraƒewo ƒe nyatiwo ŋu ɣesiaɣi. Edzra dɔlar 300 ɖo eye wòzãe tsɔ ƒle adzɔnuwo le Dzieheɣedzeƒe Yameʋudɔwɔƒewo. Esi wònɔ tiatia wɔm la, se eve aɖewoe fia mɔe:
Ele be wòanye dɔwɔƒe si ŋu ŋkɔ le.
Akpa ɖeka ƒe asixɔxɔ mate ŋu agbɔ dɔlar 5 ŋu o.
Mewɔ afɔɖeɖe tɔxɛ aɖeke o ƒe etɔ̃ sɔŋ. Emegbe dɔwɔƒe si na ga la xɔ ŋkɔ be woawɔ ɖeka, eye le ema megbe la, gomea ƒe asi yi dzi tso dɔlar 300 va ɖo dɔlar 900 kple edzivɔ. Esia ɖe ɖekakpui Ray Dalio fia be anya wɔ be woakpɔ ga nyui le gaxɔgbalẽviwo ƒe asitsatsa me, eye esia gaɖo eƒe agbenɔnɔmɔ dzi vaseɖe afi aɖe. Le eƒe sɔhɛmenɔɣi gɔ̃ hã la, amesi ava nye gadelawo ƒe gã la lɔ̃ ɖe edzi na eɖokui be enye dɔwɔna ƒe gɔmeɖose vevitɔ be ehiã be wòadrɔ̃ ʋɔnu le eɖokui si, be yeatsɔ yeƒe susu adi nyateƒea. Le eƒe agbemeŋkekewo katã me la, abu susu si le ʋuʋu ɖi, lɔlɔ̃ faa be yeaxɔ susu yeyewo ɖe dɔwɔwɔ ŋu, si nye nudidi hafi akpɔ dzidzedze le asitsatsa me ŋu. Le ƒe 1971 me la, edze eƒe nusɔsrɔ̃ gɔme le Harvard Asitsasuku. Le ɣeyiɣi sia me la, ewɔ dɔ abe agbalẽŋlɔla ene le New York Stock Exchange. Eƒo eɖokui ɖe gomenɔamesiwo, gawo, kpakple adzɔnuwo ɖoɖo ɖe amewo ƒe asitsatsa me. Mlɔetɔa dzɔ le dɔsrɔ̃ɣi aɖe si wowɔ kple Merrill Lynch ƒe dɔdzikpɔlawo dometɔ ɖeka me. Ɣemaɣi la, amewo melɔ̃a nu ɖɔliɖɔli ƒe dɔwɔnawo o eye ame geɖe bui be ŋugbedodo aɖeke meli o. Le ƒe 1974 me la, Ray Dalio va zu adzɔnuwo ƒe dɔdzikpɔla le Dominick & Dominick LLC, eye eteƒe medidi o eyi ŋgɔ va wɔ dɔ abe asitsalawo kple asitsalawo ene le Shearson Hayden Stone. Esi wòdzo le ƒe 1975 me la, ekpɔe be yeƒo sidzedze kple nuteƒekpɔkpɔ geɖe nu ƒu be yeate ŋu adze ye ŋutɔ yeƒe dɔwɔƒe gɔme – Bridgewater Associate. Kaka ɣeyiɣi sia naɖo la, exɔ MBA le Harvard ƒe Asitsasuku xoxo. . Le ƒe 1974 me la, Ray Dalio va zu adzɔnuwo ƒe dɔdzikpɔla le Dominick & Dominick LLC, eye eteƒe medidi o eyi ŋgɔ va wɔ dɔ abe asitsalawo kple asitsalawo ene le Shearson Hayden Stone. Esi wòdzo le ƒe 1975 me la, ekpɔe be yeƒo sidzedze kple nuteƒekpɔkpɔ geɖe nu ƒu be yeate ŋu adze ye ŋutɔ yeƒe dɔwɔƒe gɔme – Bridgewater Associate. Kaka ɣeyiɣi sia naɖo la, exɔ MBA le Harvard ƒe Asitsasuku xoxo. . Le ƒe 1974 me la, Ray Dalio va zu adzɔnuwo ƒe dɔdzikpɔla le Dominick & Dominick LLC, eye eteƒe medidi o eyi ŋgɔ va wɔ dɔ abe asitsalawo kple asitsalawo ene le Shearson Hayden Stone. Esi wòdzo le ƒe 1975 me la, ekpɔe be yeƒo sidzedze kple nuteƒekpɔkpɔ geɖe nu ƒu be yeate ŋu adze ye ŋutɔ yeƒe dɔwɔƒe gɔme – Bridgewater Associate. Kaka ɣeyiɣi sia naɖo la, exɔ MBA le Harvard ƒe Asitsasuku xoxo. . Headquarters Bridgewater Associate [/ caption] Dɔwɔƒe sia gakpɔtɔ le ŋgɔ yim, eye wòva zu gaxɔ gãtɔwo kekeake dometɔ ɖeka le xexeame. Le ƒe 2018 me la, dɔwɔƒea kpɔ nunɔamesi siwo ƒe home nye dɔlar biliɔn 160 dzi. Le ɣeyiɣi sia me la, Ray Dalio ŋutɔ ƒe kesinɔnuwo wu dɔlar biliɔn 18. Gbã la, ɣeyiɣi sesẽwo nɔ dɔwɔƒe sia ŋu. Ele be Dalio naɖe asi le dɔwɔlawo katã ŋu eye wòabia tso fofoa si be wòana dɔlar 4,000 ye atsɔ axe fe siwo wònyi la. Le gɔmedzedze gbegblẽ megbe la, gadelawo gbugbɔ bu eƒe nɔnɔme le agbe ŋu eye wòva kpɔe be ehiã be wòawɔ ɖe gɔmeɖose aɖewo dzi.
Nusita wòdoa go kuxiwo le gɔmedzedzea me la, ekpɔa didi be yeakpɔ ye ɖokui nyuie le nɔnɔme ɖesiaɖe me. Le etsɔme, abe alesi wògblɔe ene la: “Metrɔ dzidzɔ si nye be mesɔ ɖe nyateƒea gɔmesese ƒe dzidzɔkpɔkpɔ ta.” Ƒomedodo siwo le lãmesẽ me le ƒuƒoƒoa me ƒe taɖodzinue nye be woakpɔ egbɔ be amesiame ɖe eƒe ŋutetewo fia, eye susu nyuitɔ kekeake naɖu dzi, ame ka kee ɖee fia o.
Gadelawo dea asixɔxɔ gã aɖe ŋugbledede ŋu. Exɔe se be gbɔgbɔme blibodedee nye gɔmeɖoanyi na asitsatsa ƒe dzidzedzekpɔkpɔ. Le eƒe nukpɔsusu nu la, ŋugbledede doa ŋusẽe wu alɔ̃dɔdɔ, edoa nuwɔwɔ ƒe mɔnu ɖe ŋgɔ le agbe kple dɔwɔwɔ me.
Ray Dalio ƒe gadede asi ƒe atsyã
Gadelawo gã la tsɔ gɔmeɖose tɔxɛ siwo kpe ɖe eŋu wòkpɔ dzidzedze le egbeŋkekea me eye wòyi edzi le wo zãm egbea la de dɔwɔwɔ me le eƒe dɔwɔƒea. Nu vevi siwo wòbuna be woaʋu nu me la dometɔ ɖekae. Ray Dalio dzea agbagba be yeakpɔ egbɔ be nyatakaka siwo ŋu kakaɖedzi le le yeƒe dɔwɔlawo si ku ɖe alesi nɔnɔmeawo le ŋu eye woate ŋu anya woƒe nɔnɔme ɖe dɔwɔƒea ŋu le wo ɖokui si. Nusi dzi woƒe susu nɔna enye be woana dɔwɔlawo dome ƒomedodowo nanyo ɖe edzi le dɔwɔƒea me, awɔ dɔwɔƒea ƒe dekɔnu tɔxɛ aɖe ahatue ɖo. Ne èle nyametsotsowo wɔm la, ele vevie be nàbu eŋu be zi geɖe la, nudzɔdzɔwo metoa vovo o. Nu mawo tɔgbe dzɔ va yi, eye nu aɖewo li míate ŋu asrɔ̃ tso wo me. Ne èsrɔ̃ wo la, àte ŋu anya kpɔɖeŋu siwo ate ŋu ava zu nusi dzi nànɔ te ɖo awɔ nyametsotso le nɔnɔme aɖe koŋ me. Dɔwɔƒea zãa gadodo ƒe ɖoɖo etɔ̃ hena nunɔamesiwo dzikpɔkpɔ: Pure Alpha, Pure Alpha Major Markets kple All Weather. Wo dometɔ mamlɛtɔ, si nye ɣeyiɣiawo katã ƒe gaxɔgbalẽvi la, lɔ nunɔamesiawo ƒe akpa gãtɔ ɖe eme. Ray Dalio ƒe agbalẽdzraɖoƒea ƒe akpa siwo gbɔna la le eme:
40% ƒe ɣeyiɣi didi ƒe agbalẽviwo;
15% ƒe fenyinyi ƒe agbalẽviwo le titinaɣeyiɣiwo me;
30% ƒe gomekpɔkpɔ le dɔwɔƒe vovovowo me;
7.5% ƒe sika;
7.5% ƒe adzɔnuwo ƒomevi vovovowo.
Ne Dalio le gaxɔgbalẽvi aɖe dzi kpɔm la, ezãa gɔmeɖose si nye be woatsɔ asɔ kple nɔnɔme mawo tɔgbe siwo nɔ anyi va yi la ŋudɔ, eye wòdzea agbagba be yeazã mɔnu siwo he dzidzedzekpɔkpɔ vɛ xoxo. Le nuwɔna me la, agbalẽdzraɖoƒe sia ɖe nu nyuiwo do tso eme le ƒeawo me. . Rey Dalio ƒe agbalẽ xɔŋkɔwo dometɔ ɖeka ƒe akpa dzi “fe gãwo ƒe kuxiwo” [/ caption] Enyo be míade dzesii be ne wole numekuku wɔm le aɖaŋu sia tɔgbe ƒe dɔwɔwɔ ŋu la, wobu nɔnɔme vovovo siwo le asitsaƒea ŋu eye wowɔ akɔntabubu si sɔ. Le kpɔɖeŋu me, le ƒe 1929 ƒe xaxa me la, gaxɔgbalẽvia abu 20% ko, gake emegbe wòaxe fe ɖe ga si woɖe le eme sia ta. Anyo hã be míade dzesii be le viɖekpɔkpɔ gome la, le ƒe 2008-2017 me la, eƒo S&P ƒe dzesi la ta le viɖekpɔkpɔ gome. Ray Dalio ƒe Gɔmeɖosewo na Dzidzedzekpɔkpɔ (le miniti 30 me): https://youtu.be/vKXk2Yhm58o Pure Alpha Major Markets ƒe susu le nunɔamesi siwo me tsi le wu ŋu geɖe wu. Zi geɖe la, woƒoa asa na asi siwo le ŋgɔ yim le afisia. Eƒe wɔwɔme sɔ kple agbalẽkotoku si wozãna le yame ƒe nɔnɔmewo katã me la ŋutɔ. Pure Alpha ne wotsɔe sɔ kple Pure Alpha Asi Gãwo la, eléa ŋku ɖe asi siwo le ŋgɔ yim ŋu wu, . gake le xɔtuɖoɖo gome la, meto vovo boo tso egbɔ o. Pure Alpha ƒe tɔtrɔgbɔ nye 12% vaseɖe ƒe 2019 me, gake ewɔ 7.6% ƒe bu le ƒe 2020 me. Ray Dalio gblɔ be wowɔ gaxɔawo kple mɔkpɔkpɔ be xexeame katã ƒe ganyawo ƒe ŋgɔyiyi ayi edzi. Le kuxi siwo tso dɔvɔ̃a ta ta la, gadelawo te ŋkuléle ɖe gaxɔgbalẽvi siwo ŋu kakaɖedzi le wu ŋu geɖe wu. Le eƒe gbebiamewo me la, Ray Dalio ƒo nu tso eƒe nɔnɔme ɖe agbe kple asitsatsa ŋu ŋu:
Eyɔ eƒe didi be yeanya nu kple nusiwo dzɔa dzi nɛ be eyae nye nu vevitɔ si na wòkpɔ dzidzedze . Esi wònɔ nu yeye aɖe wɔm la, edzea agbagba be yease egɔme ahasrɔ̃ alesi wòawɔ dɔ kplii.
Eyɔa dzidzedzekpɔkpɔ ƒe mɔfiame be drɔ̃e kple nɔnɔme ŋutɔŋutɔ me dzodzro le susu me ƒe ƒuƒoƒo . Ebunɛ hã be ele vevie ne vevesese alo kpododonu do mo ɖa be woate ŋu aɖu kuxia dzi to mɔ si sɔ didi me le nɔnɔmea me dzodzro me.
Ne ele dɔwɔlawo xɔm la, ekafui be woalé ŋku ɖe eƒe dzidzenuwo, ŋutetewo kple aɖaŋuwo ŋu . Ne ètia ƒuƒoƒo si sɔ la, àte ŋu akpɔ egbɔ be dɔwɔla aɖewo kpe ɖe ame bubuwo ŋu, si ana woawɔ ƒuƒoƒo blibo aɖe.
Ele be nyametsotsowɔwɔ naƒo asa na demokrasi kple ŋutasẽdziɖuɖu . Le go gbãtɔ me la, wosusui be asixɔxɔ le amesiame ƒe nukpɔsusu ŋu sɔsɔe, gake le nyateƒe me la, menye nenemae o. Evelia fia be dɔtɔa ɖeɖekoe nya nyabiasewo katã ƒe ŋuɖoɖo. Le Dalio la, wowɔa nyametsotsowo le ƒuƒoƒo me, gake ame mawo siwo ɖo kpe yewo ɖokui dzi xoxo va yi ƒe nukpɔsusuwo le vevie wu.
Wodea ɖeklemiɖeɖe ƒe dzi ƒo le dɔwɔƒea. Esia hiã be woawɔ ʋuʋu ƒe nɔnɔme eye woawɔ nutovɛ ƒe nɔnɔme wu ne wole nyametsotsowo wɔm.
Agbalẽa me Dzodzro si Ray Dalio ŋlɔ
Gadelawo gblɔ alesi wòse agbe gɔmee kple asitsatsa ŋuti sewo le agbalẽ si nye “Gɔmeɖosewo. Agbe kple dɔwɔwɔ. Ray Dalio kpɔa nusi dzi woanɔ te ɖo akpɔ dzidzedze le nu ŋutɔŋutɔ ƒe nukpɔsusu nyuitɔ me. Ele vevie be nàdze agbagba akpɔe abe amesi tututu wònye ene, eye màgatsɔ wò didiwo ana be wonye nu ŋutɔŋutɔwo o. Be woate ŋu awɔ esia la, ele be woalé ŋku ɖe nya siwo gbɔna ŋu nyuie:
Gbã la, ele be nànya nusi tututu didiwo nye. Esia hiã ale be le etsɔme la, woate ŋu ase nusiwo sɔ kple wo kple esiwo mewɔ ɖeka kple wo o la gɔme nyuie.
Ele be woanya nu ŋutɔŋutɔ siwo kpɔa ŋusẽ ɖe taɖodzinuwo gbɔ ɖoɖo dzi wu. Ele be nàsrɔ̃ wo ɣesiaɣi be nànya: nusiwo ate ŋu akpe ɖe ŋuwò, nusi nye mɔxenu, alesi wowɔa dɔe.
Ray Dalio te gbe ɖe tamebubu ƒe ɖokuisinɔnɔ dzi. Exɔe se be nukpɔsusu si dzi ame akpa gãtɔ da asi ɖo la menyea nyateƒe ɣesiaɣi o. Nyametsotso siwo ame ŋutɔ wɔ la ate ŋu akpɔ dzidzedze wu. Ne ame aɖe ƒe nukpɔsusu tsi tre ɖe esi dzi ame geɖe da asi ɖo ŋu la, esia mena susu aɖeke si tae wòle be wòaɖe asi le eŋu nu si sɔ gbɔ manɔmee o.
Le agbagbadzedze be ame nanɔ eɖokui si le tamebubu me me la, mele be wòaŋlɔ be be menye ɣesiaɣie ame ŋutɔ ƒe nukpɔsusue doa ŋugbe wu o. Ele vevie be nàte ŋu alɔ̃ ɖe ame bubu ƒe nukpɔsusu dzi, ne esɔ wu.
Dalio xɔe se be nyametsotso vovovowo wɔwɔ ɣesiaɣie nye agbemenuhiahiãwo katã. Eƒoa nyatakakawo nu ƒu tso dzidzenu siwo wozã ɖe esia ŋu, siwo wòyɔna be gɔmeɖosewo ŋu. Esi wòkpɔ se siawo dze sii heto wo vɛ la, eva zu numame nɛ eye wòwɔ wo dzi le eƒe dɔwɔƒea. Ehiã be nàsrɔ̃ nu ɣesiaɣi, adzudzɔe gbeɖe o. Ray Dalio gblɔ be yenye ame si srɔ̃a nu le eƒe agbemeŋkekewo katã me eye yeɖoe be yeayi edzi anɔ ewɔm. Agbalẽa gblɔ eƒe gɔmeɖose siwo ŋu woɖe nu me tsitotsito ɖo la tsitotsito. Esia wɔnɛ be nuxlẽlawo te ŋu tsoa nya me le alesi wosɔ na woƒe agbenɔnɔ kple dɔwɔwɔ ŋu. Le agbalẽ si kplɔe ɖo si nye “Dzidzedzekpɔkpɔ ƒe Gɔmeɖosewo” me la, agbalẽŋlɔla la yi edzi ƒo nu tso eƒe nukpɔsusu le xexeame kple asitsatsa ƒe nɔnɔmewo ŋu. Ekpe ɖe agbalẽ gbãtɔa ŋu, si wɔnɛ be nàte ŋu ase gadelawo ƒe agbenɔnɔ kple asitsatsa ƒe aɖaŋu gɔme nyuie wu. Agbalẽ yeye aɖe si Ray Dalio ŋlɔ la ku ɖe ŋugbledede le egbegbe xexeame ƒe dzɔgbese ŋu. Woyɔe be Alesi Xexeame ƒe Ðoɖoa Le Tɔtrɔm. Nusita dukɔwo ɖua dzi eye wodoa kpo nu. Le agbalẽa ŋlɔla ƒe nya nu la, susu siwo gbɔna tae wòʋãe wòŋlɔ agbalẽa ɖo:
Xexeame ƒe fe gbogbo aɖe ŋutɔ.
Vovototo si le kesinɔtɔwo kple ame tsɛwo dome ƒe ɖoƒe kple agbenɔnɔ dome.
Dukɔwo dome kadodo ƒe ŋgɔyiyi ƒe nɔnɔme siwo na China ƒe ŋusẽkpɔɖeamedzi dzi ɖe edzi ŋutɔ.
Ray Dalio ƒe agbalẽ xɔŋkɔ si nye “Big Debt Crises Coping Principles” – wɔ agbalẽa ƒe akpa aɖe ƒe kɔpi eye nàxlẽe: Big Debt Crises Coping Principles Ray Dalio – Big Debt Crises around the bend, book review: https://youtu.be/xaPNbYkOT- 4 Gadelawo bua nɔnɔme si li fifia be esɔ kple esi dzɔ le ƒe 1930-1945 ƒe ɣeyiɣia me. Edzroa nɔnɔme mawo tɔgbe me le xexeame ƒe ŋutinya katã me eye wòwɔa ŋgɔyiyi ƒe ɖoɖo siwo kpɔa dukɔ deŋgɔwo ƒe ŋutinya dzi. Le ameƒomea ƒe ŋutinya me dzodzro tsitotsito le ɣeyiɣi vovovowo me ta la, eva ɖoa susu aɖewo gbɔ ku ɖe nusiwo ava nɔ ameƒomea lalam le ƒe bla nane siwo gbɔna me ŋu.
