Ray Dalio ndiani, biography, chimiro uye nheyo dzekutanga dzekudyara

Ray Dalio iAmerican billionaire hedge fund maneja kuBridgewater Associates.

Ray Dalio ndiani, hupenyu uye basa, nheyo dzake dzekutanga mukudyara

Ray Dalio ndomumwe wevanhu vakapfuma kwazvo pasi pano nhasi. Iye anozivikanwa kwete chete nekugona kwake kuita purofiti, asiwo nzira yake yakakosha yekuita bhizinesi. Murume uyu akaberekerwa mumhuri yemuimbi weJazz muNew York muna 1949. Akaunzwa kune zvekuchengetedza pazera re12. Panguva iyi, akatenga chikamu chake chekutanga. Mukomana uyu aishanda nguva shoma pakirabhu yegorofu uye aigara achinzwa nhaurirano dzine chekuita nemisoro yemasheya. Akachengeta $300 ndokuishandisa kutenga stock muNortheast Airlines. Pakusarudza, akatungamirirwa nemitemo miviri:

1. Inofanira kuva kambani inoremekedzwa.
2. Kukosha kwechikamu chimwe hakugone kudarika $5.

Kwemakore matatu haana kuita chiito chipi nechipi chinokosha. Kambani yainge yaburitsa yakabva yawana mukana wekubatanidza, mushure mezvo mutengo wemugove wakakwira kubva pamadhora mazana matatu kuenda pamadhora mazana mapfumbamwe. Izvi zvakaratidza wechidiki Ray Dalio kuti zvaikwanisika kuita mari yakanaka mumusika wekuchengetedza, uye izvi zvakawedzera kugadzirisa nzira yehupenyu hwake kusvika pamwero mukuru. Kunyangwe muhuduku hwake, muchengeti mukuru weramangwana akazvigamuchira sechinhu chikuru chechiitiko kudiwa kwekuita zvisarudzo zvakasununguka, kutsvaga chokwadi nepfungwa dzake. Muhupenyu hwake hwose, achafunga kuva nepfungwa dzakavhurika, kuda kugamuchira pfungwa itsva dzebasa, chinodiwa kuti ubudirire mubhizimisi. Muna 1971, akatanga zvidzidzo zvake paHarvard Business School. Munguva iyi, akashanda semabharani kuNew York Stock Exchange. Aiita zvekutengesa mumasheya, mari, pamwe nekutakura zvinhu. Iyo yekupedzisira yakaitika panguva yekudzidzira nemumwe wevatungamiriri veMerrill Lynch. Panguva iyoyo, basa rekutsinhana rakanga risingafarirwi uye vakawanda vaizviona sezvisingavimbisi. Muna 1974, Ray Dalio akave mutungamiriri wezvigadzirwa kuDominick & Dominick LLC, munguva pfupi akaenderera mberi nekushanda sebroker uye mutengesi kuShearson Hayden Stone. Mushure mokubva muna 1975, akaziva kuti akanga aunganidza ruzivo rwakakwana uye ruzivo rwekutanga bhizinesi rake – Bridgewater Associate. Panguva ino, akange atowana MBA kubva kuHarvard Business School. Muna 1974, Ray Dalio akave mutungamiriri wezvigadzirwa kuDominick & Dominick LLC, munguva pfupi akaenderera mberi nekushanda sebroker uye mutengesi kuShearson Hayden Stone. Mushure mokubva muna 1975, akaziva kuti akanga aunganidza ruzivo rwakakwana uye ruzivo rwekutanga bhizinesi rake – Bridgewater Associate. Panguva ino, akange atowana MBA kubva kuHarvard Business School. Muna 1974, Ray Dalio akave mutungamiriri wezvigadzirwa kuDominick & Dominick LLC, munguva pfupi akaenderera mberi nekushanda sebroker uye mutengesi kuShearson Hayden Stone. Mushure mokubva muna 1975, akaziva kuti akanga aunganidza ruzivo rwakakwana uye ruzivo rwekutanga bhizinesi rake – Bridgewater Associate. Panguva ino, akange atowana MBA kubva kuHarvard Business School.
Headquarters Bridgewater Associate [/ Caption] Iyi femu ichiri kusimukira, ichiva imwe yemahombe emaheji mari pasi rose. Muna 2018, kambani yakakwanisa $160 bhiriyoni muzvinhu. Munguva iyi, hupfumi hwaRay Dalio hwakapfuura madhora mabhiriyoni gumi nemasere. Pakutanga, kambani iyi yakanga ine nguva dzakaoma. Dalio aifanira kudzinga vashandi vose ndokukumbira baba vake $4,000 kuti abhadhare zvikwereti zvake. Mushure mekutanga kwakashata, mutengesi akafunga zvakare maitiro ake kune hupenyu uye akasvika pakudikanwa kwekutevera mamwe mamisimboti.

Chikonzero chematambudziko ake panguva yekutanga, anoona chido chekuzviona iye akarurama mune chero mamiriro ezvinhu. Mune ramangwana, sezvaanoti: “Ndakachinja mufaro wekuva akarurama nokuda kwemufaro wekunzwisisa chokwadi.” Hukama hune hutano muchikwata hwakanangana nekuona kuti munhu wese anoratidza masimba avo, uye zano rakanakisa rinokunda, zvisinei nekuti ndiani akazvitaura.

Iye investor anokoshesa zvikuru kufungisisa. Anotenda kuti kukwana kwemweya ndiyo nheyo yekubudirira kwebhizimisi. Mune maonero ake, kufungisisa kunomupa simba rakawanda kupfuura kurara, kunokurudzira nzira yekugadzira yehupenyu uye basa.

Maitiro ekudyara aRay Dalio

Iye investor mukuru akaiswa mukambani yake yakakosha misimboti yakamubatsira kuwana budiriro yanhasi uye kuramba ichishandiswa nhasi. Chimwe chikuru chaanofunga pachena. Ray Dalio anoedza kuve nechokwadi chekuti vashandi vake vane ruzivo rwechinangwa nezve mamiriro ezvinhu uye vanogona kuzvimiririra kuona maitiro avo kune kambani.
Chinangwa ndechekuvandudza hukama pakati pevashandi mukati mekambani, kugadzira nekuvandudza yakasarudzika tsika yekambani. Pakuita sarudzo, zvakakosha kufunga kuti zviitiko kazhinji hazvisi zvega. Zvinhu zvakafanana zvakaitika kare, uye pane zvidzidzo zvokudzidza kubva mazviri. Nekuadzidza, unogona kuona mapatani anogona kuve hwaro hwekuita sarudzo mune imwe mamiriro ezvinhu. Iyo kambani inoshandisa matatu ekudyara mapotifolio ekutarisira asset: Yakachena Alpha, Yakachena Alpha Makuru Marike uye Yese Mamiriro ekunze. Yekupedzisira yavo, iyo-yese-season portfolio, inosanganisira kuwanda kwezvinhu. Ray Dalio’s portfolio ine zvikamu zvinotevera:

1. 40% zvisungo zvenguva refu;
2. 15% yepakati-yenguva yechikwereti chekuchengetedza;
3. 30% zvikamu zvemakambani akasiyana-siyana;
4. 7.5% yegoridhe;
5. 7.5% zvigadzirwa zvemhando dzakasiyana.

Paunenge uchitarisira portfolio, Dalio anoshandisa nheyo yekufananidza nemamiriro ezvinhu akafanana munguva yakapfuura, achiedza kushandisa mazano akatounza kubudirira. Mukuita, iyi portfolio yakaratidza zvibereko zvakanaka mumakore.
Chivharo cherimwe remabhuku ane mukurumbira naRey Dalio “matambudziko makuru echikwereti” [/ Caption] Zvinonakidza kuti kana uchiongorora kushanda kwezano rakadaro, mamiriro akasiyana mumusika wemasheya akatariswa uye kuverenga kwakakodzera kwakaitwa. Semuenzaniso, mudambudziko ra1929, iyo portfolio yaizongorasikirwa ne20%, asi yozobhadhara kudhirowa uku. Izvo zvakakoshawo kuziva kuti maererano nekuita purofiti, panguva ye2008-2017, yakapfuura iyo S&P index maererano nepurofiti. Ray Dalio’s Misimboti yeBudiriro (mumaminitsi makumi matatu): https://youtu.be/vKXk2Yhm58o Pure Alpha Major Markets ine yakawedzera kutarisisa pane zvimwe zviwanikwa zvemvura. Misika iri kusimukira inowanzodziviswa pano. Yakada kufanana muchimiro kune yese-yemamiriro ekunze briefcase. Yakachena Alpha ichienzaniswa nePure Alpha Makuru Marike inobhadhara zvakanyanya kumisika iri kusimukira, asi chimiro chinosiyana zvishoma kubva pazviri. Kudzoka kwakachena kweAlpha kwaive gumi nemaviri muzana kusvika 2019, asi kwakaita kurasikirwa ne7.6% muna 2020. VaRay Dalio vakati mapotifolio akagadzirwa paine tarisiro yekuenderera mberi kwekusimudzira hupfumi hwenyika. Nekuda kwematambudziko nekuda kwedenda, investor akatanga kubhadhara zvakanyanya kune yakavimbika chengetedzo. Mubvunzurudzo dzake, Ray Dalio anotaura nezve maitiro ake kuhupenyu nebhizinesi:

1. Anotaura kuda kwake kuziva uye adventurism sechikonzero chikuru chekubudirira kwake . Achiita chimwe chinhu chitsva, anoedza kuchinzwisisa uye kudzidza kushanda nacho.
2. Anodaidza nzira yekubudirira kusanganiswa kwehope uye kuongorora kwakadzama kwemamiriro chaiwo . Anoonawo zvakakosha apo kurwadziwa kana kukundikana kunoitika kukwanisa kukunda dambudziko nekutsvaga nzira yakakodzera semugumisiro wekuongorora mamiriro acho ezvinhu.
3. Pakuhaya vashandi, anokurudzira kutarisisa kuhunhu hwake, kugona uye hunyanzvi . Kusarudza timu yakakodzera, unogona kuve nechokwadi chekuti vamwe vashandi vanozadzisa vamwe, vachigadzira timu yakakwana.
4. Kuita sarudzo kunofanirwa kudzivirira demokrasi neudzvanyiriri . Muchiitiko chekutanga, zvinofungidzirwa kuti maonero evanhu vose akaenzana anokosha, asi chaizvoizvo izvi hazvisizvo. Yechipiri inoreva kuti sabhuku chete ndiye anoziva mhinduro dzemibvunzo yese. PaDalio, sarudzo dzinoitwa pamwe chete, asi maonero evanhu avo vakatozviratidza kare vane uremu hwakawanda.

Kutsoropodza kunokurudzirwa mufemu. Izvi zvinodikanwa kugadzira mamiriro ekuvhurika uye kugadzira yakanyanya kugadzira mamiriro ekuita sarudzo.

Ongororo yeBhuku naRay Dalio

Muridzi akatsanangura manzwisisiro ake ehupenyu uye mitemo yekuita bhizinesi mubhuku rinonzi “Mitemo. Upenyu nebasa. Ray Dalio anoona hwaro hwekubudirira mukuona kwakaringana kwechokwadi. Zvakakosha kuti uedze kumuona sezvaari chaizvo, uye kwete kusiya zvishuwo zvako sechokwadi. Kuti uite izvi, kutarisisa kwakakwana kunofanirwa kubhadharwa kune zvinotevera nyaya:

1. Kutanga iwe unofanirwa kuziva chaizvo izvo zvishuwo. Izvi zvinodikanwa kuitira kuti mune ramangwana zvikwanise kunyatsonzwisisa izvo zvinoenderana navo uye zvisingaite.
2. Izvo zvinodiwa kuti uone kuti ndezvipi chokwadi zvine simba guru pakubudirira kwezvinangwa. Iwe unofanirwa kudzidza nguva dzose kuti uzive: chii chinogona kubatsira, chii chipingamupinyi, kuti vanoshanda sei.
3. Ray Dalio anosimbisa rusununguko rwekufunga. Anodavira kuti pfungwa inogamuchirwa nevakawanda haisi yechokwadi nguva dzose. Sarudzo dzekuzviitira dzine mukana wakakura wekubudirira. Kana mafungiro omunhu achipikisana neanowanzogamuchirwa, izvi hazvipi chikonzero chekuasiya pasina zvikonzero zvakakwana.
4. Mukuedza kuzvimirira mukufunga, munhu haafaniri kukanganwa kuti maonero ake pachake haasi nguva dzose anovimbisa zvikuru. Zvakakosha kukwanisa kubvuma maonero emumwe munhu, kana akanyanya kururama.

Dalio anotenda kuti hupenyu hwese hunosanganisira kugara uchiita zvisarudzo zvakasiyana. Anounganidza ruzivo pamusoro pemaitiro akashandiswa kune izvi, izvo zvaanodaidza kuti nheyo. Mushure mekuziva uye kugadzira mitemo iyi, akazvijaira uye akaishandisa mukambani yake. Zvakakosha kugara uchidzidza, usambozvirega. Ray Dalio anoti mudzidzi weupenyu hwese uye anoda kuenderera mberi achidaro. Bhuku racho rinodonongodza nheyo dzaro uko tsananguro dzine udzame dzinopiwa. Izvi zvinobvumira vaverengi kuti vasarudze kuti vanokodzera sei hupenyu hwavo nebasa. Mubhuku rinotevera, “Mitemo Yekubudirira,” munyori anoenderera mberi achitaura nezvemaonero ake pamusoro penyika uye maitiro ekuita bhizinesi. Inozadzisa bhuku rekutanga, zvichikutendera kuti unzwisise zviri nani zano rehupenyu uye bhizinesi remuridzi.
Iri bhuku idzva rakanyorwa naRay Dalio rakatsaurirwa kufungisisa nezvekuguma kwenyika yanhasi. Inonzi How the World Order is Changing. Sei nyika dzichikunda nekutadza. Sekureva kwemunyori, akakurudzirwa kunyora bhuku nekuda kwezvikonzero zvinotevera:

1. Chikwereti chikuru chenyika.
2. Mukaha munhanho uye mararamiro pakati pevakapfuma uye vanhuwo zvavo.
3. Maitiro mukuvandudza hukama pakati penyika izvo zvakakonzera kuwedzera kukuru kwesimba reChina.

Bhuku raRay Dalio rine mukurumbira “Big Debt Crises Coping Principles” – dhawunirodha uye uverenge chikamu kubva mubhuku:
Big Debt Crises Coping Principles Ray Dalio – Big Debt Crises yakatenderedza bend, wongororo yebhuku: https://youtu.be/xaPNbYkOT- 4 Muridzi anoona mamiriro ezvinhu aripo akafanana neakaitika munguva ye1930-1945. Anoongorora mamiriro akafanana munhoroondo yenyika yose uye anoronga maitiro ebudiriro anotonga nhoroondo yenyika dzakabudirira zvikuru. Somugumisiro wokunyatsoongorora nhoroondo yevanhu munguva dzakasiyana-siyana, anosvika pane dzimwe pfungwa pamusoro pezvichamirira vanhu mumakumi emakore ari kuuya.