tailieunhanh - GETTING AN INVESTING GAME PLANCreating It, Working It, Winning It phần 4

và cho dù bạn nên sử dụng một mục 529 tiết kiệm giáo dục kế hoạch. 3. Nghỉ hưu Kế hoạch. Một số người thích nghĩ về kế hoạch nghỉ hưu về tự do tài chính hoặc độc lập từ người sử dụng lao động hoặc lo lắng. Dù nó có nghĩa là bạn, sống mà không có một dòng suối trong lành thu nhập ổn định có kế hoạch nâng cao. 4 | 64 Step 4 Get the Fund Fever 100 per share and kept one share for yourself at 100. By doing this you would have capitalized your corporation at 1 000 and it would have 10 shareholders. Each shareholder has a partial ownership in your car wash corporation. They took what is called an equity position and will participate in the future gains or losses of the corporation as long as they own shares. If your company has real earnings and a good growth pattern it will ideally pay the stockholders a dividend or a share of the profits over the long term. In the short term the price of any stock can be affected by behavior of the market. For instance an entire sector of the market could be down and regardless of how healthy that company is the price of the stock could go down. For example when the entire tech sector fell out of favor the price of IBM stock dropped from about 133 a share in August 2000 to about 76 in May 2002. A price of 76 was arguably too low based on an analysis of the solid business IBM was doing. This is a case where movement in an entire sector as well as the entire market affected the price of the stock. In the longer term a two-to-five-year time span the price of stock will be determined more by the earnings of the company. When I think about the lack of predictability of stocks I m reminded of some famous advice that the cowboy-turned-philosopher Will Rogers once gave. Don t gamble take all your savings and buy some good stock he advised. Hold it till it goes up then sell it. If it don t go up . don t buy it. 1 Will Rogers reminds me that there s no such thing as a sure bet or a guaranteed rise in stock prices and helps me keep my sense of humor. Now let s examine bonds. A separate and distinct asset class from stocks bonds are considered debt instruments. They are essentially IOUs to the people investing in them. Remember that car wash corporation that issued stock Now let s assume that the car wash also wants to borrow some money. Instead of going