Моделът на Уорън Бъфет е лесен и достъпен дори за хора с 1 000 лв.

[Kiro]

И колко франка е купил, за да се къпе в пари.То има едни хора дето се къпят един, два пъти в годината..

[vankata23]

Имам един познат, купи франкове преди година и половина. Сега се къпе в пари. Извод - всеки може да е като Бъфет. О, боже...

[Alee]

Кое по точно ? То много бла бла.
Философстването лесно то, всеки го може, инак съм му чел през годината някои неща из блога, не е от тези дето много познават и могат да бият маркета

Пипбел, ти биеш ли маркета редовно?
Аз ДА!!!!

[fortiss]

Всеки си има път - по борсите също.
Един живот живеем - не трябва да изоставаме !!!!

[pipbel]

+1
емииии... това е

Кое по точно ? То много бла бла.
Философстването лесно то, всеки го може, инак съм му чел през годината някои неща из блога, не е от тези дето много познават и могат да бият маркета

[fortiss]

10 tips even Buffet should remember

Look around you: This is the time of year when the pages of newspapers and magazines are filled with predictions and lists and all manner of money-losing nonsense. I have pushed back against much of this silliness in these pages over the years.

Today, I am going to suggest you take a different route: Focus on 10 basic, simple truths that many investors seemingly ignore. Some of you are unaware of these realities; others understand them intellectually but cannot act on your knowledge. These are the simple things that amateurs and pros alike get wrong.

There are no guarantees on Wall Street. But if you take the following admonitions to heart — and act on them — I will extend you this moneyback guarantee: You will become a much better investor.

Enough chatter. On with the list:

1. Stock picking is a sucker’s game. The ability to select stocks, manage them over time and know when to sell them is incredibly difficult, even for professional fund managers. 2014 was an especially challenging year, with 85 percent of mutual fund managers underperforming the benchmark S&P 500. A lot of what people think of as trading skill is actually just random luck (a lesson that many investors eventually learn, but only after losing a huge amount of capital). Even those who beat the market a few years in a row end up a wash once fees and other costs are considered.

2. Turnover, fees and taxes exert a huge drag on returns. In addition to the challenge of picking winning stocks, you then have to deal with all the expense associated with turnover. Commissions add up, taxes are a big drag, margin ain’t cheap. A good accountant costs money as well. The math on this one is obvious, yet investors often fail to recognize it: Keep your costs low and your turnover lower and you will win in the end.

3. You are an error machine, a mess of biases and emotions. When it comes to investing, you are your own worst enemy. You allow shortterm thinking to derail your longterm plan (assuming you have one). Emotions get in your way, as your lizard brain behaves as if you are still on the savannah fighting for your very life. You allow yourself to be unsettled by the daytoday noise — irrelevant news, temporary setbacks, even company gossip. This is a recipe for failure. In short, you suck at this. But it’s not your fault, it’s how you were built. A little awareness goes a long way in correcting these wetware errors.

4. Hedge funds are great at making hedge fund managers rich (making you rich, not so much). The hedge fund industry is not having an especially good year in terms of performance. While the S&P 500 gained more than 10 percent in 2014, the industry is barely positive, racking up gains of just 2percent. But thanks to the industry’s “2&20” model — charging fees of 2 percent of assets under management, plus 20 percent of trading gains — it means big bucks for managers. Yet despite this underperformance, hedge funds continue to attract massive amounts of money, with total assets at $2.82 trillion. It is perplexing that so many investors keep playing this game. This is why it has been said that “Hedge funds are a wealth transfersystem disguised as an asset class.”

5. You are likely less diversified than you think. I’m amazed by what people believe diversification means. We often review other portfolios in our office that are little more than huge collections of overlapping funds — lots of similar big cap companies, lots of tech, very little in the way of small cap value, REITs, TIPs, munis or other asset classes that are less correlated with each other. Meanwhile, the typical stock portfolio often looks like an expensive concentrated bet. Rather than play this game, a broad asset allocation strategy is vastly superior, holding asset classes that do not move in lock step with each other. No one knows what the topperforming asset class will be next year. Lacking this prescience, your nextbest solution is to own all of the classes and rebalance regularly.

6. You can only succeed if you educate yourself, remain patient and practice discipline. Do you understand what “the long term” actually means? You need to recognize that periods of volatility and drawdowns are not at all uncommon over time. You must grasp that in a diversified portfolio, some asset classes will always be lagging while others will be leading (this is a feature, not a bug). And, you need to really comprehend what your portfolio was designed to do. Finally, you have to have the discipline to stay the course even when it is uncomfortable. Without these skills, you cannot successfully manage your own investing.

7. You may not need a financial adviser. If your financial circumstances are relatively simple, you probably don’t need to pay for fullservice financial planning. If you can control your emotions, you can manage a simple allocation plan on your own. Unfortunately, a lot of people lack the selfdiscipline to handle market pressures when the going gets tough. They may need an adviser to talk them off the ledge.Then there are investors who have complex financial circumstances, with many moving parts. Tax and estate considerations, generational wealth transfers, sale of a business and many other complexities suggest you should seek out good advice. Just understand what you are paying for, and then derive full value for it.

8. Understanding financial truths intellectually and emotionally are two completely different things. Even when you understand what you are supposed to do, it is very, very hard to actually do it. Since we are approaching the time of year when new year’s resolutions get made, think about how many people vow to stop smoking, exercise and lose weight. Then consider how many achieve those goals. The same gulf appears between people’s financial intentions and how they actually behave.

9. It is never too late to start. That said, sooner is much better than later. Patrick O’Shaugnessy is a twentysomething who wrote the book “Millennial Money.” He points out you will never have a longer investing timeline over the course of your entire working career than when you are in your 20s. This can have a potentially enormous impact on your investing returns.
10. The secret to success in investing in one word: compounding. The beauty of investing is that you get to compound gains upon gains. Over time, that adds up to outsized returns — but only if you allow time to work in your favor. Consider a simple portfolio that yields 8 percent a year. Over 30 years, the money will multiply tenfold. That’s the power of compounding.

Ritholtz is chief investment officer of Ritholtz Wealth Management. He is the author of “Bailout Nation” and runs a finance blog, the Big Picture.

+1
емииии... това е

[viva]

Абсолютно! Бях я питал каква статистика би ми дала като банкер над ипотеките. Отговорът и бе по-стряскащ дори от този който бе дал един швейцарски банкер. Според нея над 90% от ипотекираните апартаменти отиват накрая за продан.

Поредната глупост. Това какво значи, че над 90% от ипотечните кредити в крайна сметка стават съдебни и обезпеченията им отиват за продан ли? Така както е написано, излиза че й 90% от ипотекираните апартаменти и по фирмените кредити отиват за продан, значи и те стават съдебни. Доста странни статистики. Ако извадиш и нещо официално за подкрепа на тезата, цена няма да имаш.

[Alee]

10 tips even Buffet should remember

Look around you: This is the time of year when the pages of newspapers and magazines are filled with predictions and lists and all manner of money-losing nonsense. I have pushed back against much of this silliness in these pages over the years.

Today, I am going to suggest you take a different route: Focus on 10 basic, simple truths that many investors seemingly ignore. Some of you are unaware of these realities; others understand them intellectually but cannot act on your knowledge. These are the simple things that amateurs and pros alike get wrong.

There are no guarantees on Wall Street. But if you take the following admonitions to heart — and act on them — I will extend you this moneyback guarantee: You will become a much better investor.

Enough chatter. On with the list:

1. Stock picking is a sucker’s game. The ability to select stocks, manage them over time and know when to sell them is incredibly difficult, even for professional fund managers. 2014 was an especially challenging year, with 85 percent of mutual fund managers underperforming the benchmark S&P 500. A lot of what people think of as trading skill is actually just random luck (a lesson that many investors eventually learn, but only after losing a huge amount of capital). Even those who beat the market a few years in a row end up a wash once fees and other costs are considered.

2. Turnover, fees and taxes exert a huge drag on returns. In addition to the challenge of picking winning stocks, you then have to deal with all the expense associated with turnover. Commissions add up, taxes are a big drag, margin ain’t cheap. A good accountant costs money as well. The math on this one is obvious, yet investors often fail to recognize it: Keep your costs low and your turnover lower and you will win in the end.

3. You are an error machine, a mess of biases and emotions. When it comes to investing, you are your own worst enemy. You allow shortterm thinking to derail your longterm plan (assuming you have one). Emotions get in your way, as your lizard brain behaves as if you are still on the savannah fighting for your very life. You allow yourself to be unsettled by the daytoday noise — irrelevant news, temporary setbacks, even company gossip. This is a recipe for failure. In short, you suck at this. But it’s not your fault, it’s how you were built. A little awareness goes a long way in correcting these wetware errors.

4. Hedge funds are great at making hedge fund managers rich (making you rich, not so much). The hedge fund industry is not having an especially good year in terms of performance. While the S&P 500 gained more than 10 percent in 2014, the industry is barely positive, racking up gains of just 2percent. But thanks to the industry’s “2&20” model — charging fees of 2 percent of assets under management, plus 20 percent of trading gains — it means big bucks for managers. Yet despite this underperformance, hedge funds continue to attract massive amounts of money, with total assets at $2.82 trillion. It is perplexing that so many investors keep playing this game. This is why it has been said that “Hedge funds are a wealth transfersystem disguised as an asset class.”

5. You are likely less diversified than you think. I’m amazed by what people believe diversification means. We often review other portfolios in our office that are little more than huge collections of overlapping funds — lots of similar big cap companies, lots of tech, very little in the way of small cap value, REITs, TIPs, munis or other asset classes that are less correlated with each other. Meanwhile, the typical stock portfolio often looks like an expensive concentrated bet. Rather than play this game, a broad asset allocation strategy is vastly superior, holding asset classes that do not move in lock step with each other. No one knows what the topperforming asset class will be next year. Lacking this prescience, your nextbest solution is to own all of the classes and rebalance regularly.

6. You can only succeed if you educate yourself, remain patient and practice discipline. Do you understand what “the long term” actually means? You need to recognize that periods of volatility and drawdowns are not at all uncommon over time. You must grasp that in a diversified portfolio, some asset classes will always be lagging while others will be leading (this is a feature, not a bug). And, you need to really comprehend what your portfolio was designed to do. Finally, you have to have the discipline to stay the course even when it is uncomfortable. Without these skills, you cannot successfully manage your own investing.

7. You may not need a financial adviser. If your financial circumstances are relatively simple, you probably don’t need to pay for fullservice financial planning. If you can control your emotions, you can manage a simple allocation plan on your own. Unfortunately, a lot of people lack the selfdiscipline to handle market pressures when the going gets tough. They may need an adviser to talk them off the ledge.Then there are investors who have complex financial circumstances, with many moving parts. Tax and estate considerations, generational wealth transfers, sale of a business and many other complexities suggest you should seek out good advice. Just understand what you are paying for, and then derive full value for it.

8. Understanding financial truths intellectually and emotionally are two completely different things. Even when you understand what you are supposed to do, it is very, very hard to actually do it. Since we are approaching the time of year when new year’s resolutions get made, think about how many people vow to stop smoking, exercise and lose weight. Then consider how many achieve those goals. The same gulf appears between people’s financial intentions and how they actually behave.

9. It is never too late to start. That said, sooner is much better than later. Patrick O’Shaugnessy is a twentysomething who wrote the book “Millennial Money.” He points out you will never have a longer investing timeline over the course of your entire working career than when you are in your 20s. This can have a potentially enormous impact on your investing returns.
10. The secret to success in investing in one word: compounding. The beauty of investing is that you get to compound gains upon gains. Over time, that adds up to outsized returns — but only if you allow time to work in your favor. Consider a simple portfolio that yields 8 percent a year. Over 30 years, the money will multiply tenfold. That’s the power of compounding.

Ritholtz is chief investment officer of Ritholtz Wealth Management. He is the author of “Bailout Nation” and runs a finance blog, the Big Picture.

[Анонимен33022]

Чакай, мислех, че тук си говорим за инвестиране, не за комар 2000 инвестирани в пътища и ОЦК сега колко са сега, че ми свърши батерията на калкулатора?

еми да, за инвестиране, фармата е с най-якото тегло в нaй-якия индекс на ... бфб Да не искаш да се заровим в монголия !?

[Дебнем на замаушка]

2 хиляди вложени във фармата 2000-та сега са 130 000 ... почти като Бъфет, ама надали

Чакай, мислех, че тук си говорим за инвестиране, не за комар 2000 инвестирани в пътища и ОЦК сега колко са сега, че ми свърши батерията на калкулатора?

[Анонимен33022]

Сметни го от 1990 до сега, излиза 902% с реинвестицията. Да ти кажа, хич не е зле

2000 вложени във фармата 2000-та са ставали 130 000 ... почти като Бъфет, ама надали ще може да върнем часовника

[Дебнем на замаушка]

S&P от 1995 до 2015 е от 461 до 2068 - слабо в сравнение със земята, поне доколкото чета... Сметни ако е купувал на 50-60-80 лева декара, а днес е 400-500 лева.

Сметни го от 1990 до сега, излиза 902% с реинвестицията. Да ти кажа, хич не е зле Излиза, че лелята трябва да е купувала земя на 50 кинта през цялото време, че да е близо до истината. Комисионните и таксите ги смятаме по приятелски равни на разправиите по купуване на земя.

[niki5]

https://www.dws.de/Produkte/Fonds/592/Portrait

Макя му и трън , къде им е английската версия? Никъде не виждам бутон за език

Такса за емитиране 5.00%
Ние таксуваме 1,450%

Едит : https://funds.deutscheawm.com/ch/EN/...s/592/Portrait

преz савинг план си флат например вноски по 100 евро на месец

[andy2000]

А я сина й-програмист му сметнете от 90-та до сега, ако регулярно е слагал по 20-30 хиляди долара годишно на S&P, след всички врътки колко пари щеше да има сега?

S&P от 1995 до 2015 е от 461 до 2068 - слабо в сравнение със земята, поне доколкото чета... Сметни ако е купувал на 50-60-80 лева декара, а днес е 400-500 лева.

[Дебнем на замаушка]

И сина програмист е изпращал пари, с които е купувана земя, това май пропускаш.

Ааа, чакай са - пак излезе че парите са от другаде. Човекът бил забогатял от апартамент в да-г-е, но повратният момент бил когато спечелил джакпота от тотото :-D

Всеки обича да разказва по-романтичната част от историята, братче - и оня с куфарчетата като го интервюираха за БТВ, каза че парите му се дължат повече на това, че е супер умен, а не на това, че е имал нескончаемо финансиране в момента на натрупване на капитала.

А я сина й-програмист му сметнете от 90-та до сега, ако регулярно е слагал по 20-30 хиляди долара годишно на S&P, след всички врътки колко пари щеше да има сега?