Ubuthathaka beNtsebenziswano yesiNtu  UCharlie Munger wabonisa ukuba abaninzi bacinga ukuba ii-stocks ze-100 zibenza babe ngabachwephesha kunokuba babe nezine okanye ezintlanu kuphela.  “Ndicinga ukuba le yimpambano ngokupheleleyo,” utshilo uMunger.  "Ndicinga ukuba kulula ukufumana ezintlanu kune-100," utshilo umtyali-mali oneminyaka engama-97 ubudala. “Abo batyhalela ukwahlukana, ndikubiza ngokuthi 'diworsification.' Ndikhululeke ngakumbi ngokuba nezitokhwe ezibini okanye ezithathu endiziqondayo kwaye ndinenzuzo kuzo.”  Injongo ayikokulandela imarike kodwa kukuba nepotifoliyo egxininisiweyo ye-asethi enonxulumano oluphantsi.  IiNdlela ezizezinye zesiNtu (uLingano lwaBucala kunye neTyala)  Izabelo zabucala kunye netyala labucala zezona zimbini zolona tyalo-mali lubalulekileyo oluthembisa ngamathuba amahle okukhula kwenkunzi kunye nengeniso. Iingenelo zabo ziza neengozi ezininzi, ekufuneka zilawulwe ngononophelo. Abatyali-mali kufuneka bathathe indlela yobuchule eya kunciphisa imingcipheko kwaye yandise imbuyekezo.  Umngcipheko woLingano lwaBucala (oko kukuthi ukuthengwa kweSintu)   Isicatshulwa esiyingozi sombane  Utyalo-mali lwe-PE lwexesha elide, ludla ngokufuna iminyaka eyi-7-10+ yembuyekezo.  Amathuba alinganiselweyo okuphuma phambi komsitho wokuhlawula amatyala (umzekelo, IPO okanye intengiso).   UVavanyo Isicatshulwa esisemngciphekweni  Uqingqo-maxabiso lusekwe kwiimodeli zangaphakathi, hayi amaxabiso entengiso kungoko kukho iimpazamo.   Uzalisekiso Isicatshulwa esisemngciphekweni  Iinkampani zeepotfoliyo zinokusilela ukukhula okanye ukuphumeza uphuculo lokusebenza.   Phuma kwisicatshulwa esinomngcipheko  Iimeko zemarike zinokulibazisa ukuphuma okunengeniso kunye nembuyekezo (oko kukuthi ubhubhane we-Covid)   Uqwalaselo Isicatshulwa esinobungozi  Ukubonakaliswa okugqithisileyo kumashishini athile, iindawo, okanye izigaba zophuhliso kunokunyusa ilahleko.  Ukulawula imingcipheko kwiziCwangciso zoBulungisa baBucala   Isicatshulwa esineenkcukacha zohlalutyo  Vavanya iimali zenkampani (ngokufanelekileyo kwimeko esezantsi), indawo yemarike, kunye nethemba lokukhula.  Phonononga amava kunye nerekhodi yomphathi wengxowa-mali yePE.  Yazi amandla kwizivumelwano ukuyigcina ilawuleka.   Isiqendu sokwahluka  Ukwahlula utyalo-mali ngoshishino, ijografi, kunye nenqanaba (ukulingana kokukhula, ukuthenga, njl.).  Kuphephe ukugxila kakhulu kumacandelo asemngciphekweni omkhulu njengetekhnoloji okanye uqalo.   Ulawulo lwePotfoliyo esebenzayo isicatshulwa  Ukusebenzisana neenkampani zepotfoliyo kubuchule bokudala ixabiso kubandakanywa ukusebenza kakuhle kunye nokwandiswa kweemarike.  Ukuqinisekisa ukumelwa kwebhodi okanye amalungelo okongamela izigqibo eziphambili zoshishino.   Phuma kwisicatshulwa esiCwangcisiweyo seQhinga  Chonga izicwangciso zokuphuma, ezifana nee-IPOs, iintengiso ezicwangcisiweyo, okanye ukwenziwa ngokutsha.  Ukubeka iliso kwiimeko zemarike kwixesha leziganeko zokungabi namali yokuhlawula amatyala kangangoko.   UVavanyo Isicatshulwa ekugxilwe kuso  Ungaze uhlawule ngaphezulu kwe-asethi ngokusebenzisa imilinganiselo yoqingqo maxabiso.  Uxinzelelo-vavanya iimeko ezijonge ezantsi ukuqikelela ukomelela kotyalo-mali.   Imingcipheko yeTyala yaBucala   Isicatshulwa esihlala siseMngciphekweni  Kukwakho nelahleko enokubakho ngenxa yokusilela kwabatyalwayo.   Isicatshulwa esiseMngciphekweni woLiquidity  Iimali mboleko zabucala zihlala zingekho mthethweni kwaye ke kunzima kakhulu ukuzithengisa (ukuya kwimarike yesibini kuya kuthatha ixesha kwaye kufuna ukuchetywa kweenwele okunokwenzeka)   Umyinge wenzala isicatshulwa esiyingozi  Amazinga aphezulu achaphazela imali-mboleko esisigxina, kwaye amaxabiso aphantsi anokunciphisa imbuyekezo edadayo.   Isicatshulwa esisesichengeni soQoqosho  Ukudodobala koqoqosho olukhulu kunokunyusa amazinga okusilela, ngakumbi kubaboleki abanomngcipheko.   Isicatshulwa esisemngciphekweni woMnqophiso  Iimali-mboleko ze-Covenant-lite zingenza buthathaka ukhuseleko lwababolekisi.   Ubuchule boLawulo loMngcipheko kwiTyala laBucala   Uhlalutyo lwesicatshulwa somboleki  Yazi ishishini lomboleki kunye nobuthathaka kwezoqoqosho.  Vavanya ikhredithi yomboleki, kuquka ukuhamba kwemali, ityala kunye nesibambiso.   Portfolio Diversificationsome text  Yahlula-hlula umngcipheko ngokubolekisa kumxube wababoleki kumacandelo kunye neejografi.  Ukubonakaliswa kwebhalansi phakathi kweemali-mboleko ezikhuselweyo eziphezulu (umngcipheko ophantsi) kunye netyala le-mezzanine (umngcipheko ophezulu, imbuyekezo ephezulu).   Imali-mboleko yoKwakha umbhalo  Gxininisa kwiimali-mboleko ezikhuselekileyo ezinesibambiso esiluqilima kunye neminqophiso enyanzeliswayo.  Bandakanya imilinganiselo yokuzikhusela, enje ngomlinganiselo wokhuseleko lwetyala.   Isicatshulwa esiqhubekayo sokubeka iliso  Ababoleki kufuneka banike iingxelo zemali rhoqo ukujonga ukusebenza kunye nokuthotyelwa.  Qwalasela kuhlengahlengiso okanye ukuthethana ngokutsha ngemiqathango ngexesha lobunzima bezemali.   Inqaku lenzala elilawulayo  Ubhenco kwinzala yeHedge kusetyenziswa izinto eziphuma kuzo, ingakumbi kwiimali mboleko ezidadayo.  Hlalutya indlela iinguqu kwizinga lenzala ezichaphazela ngayo iipotfoliyo zamatyala azinzileyo kunye nezinga elidadayo.   Iindlela zoKwahluka kwii-Cryptocurrencies ("Iindlela ezingezizo ezeMveli")   Isicatshulwa esaziwayo se-Asethi yoHlelo  I-Cryptocurrencies: Iingqekembe zemveli ezifana neBitcoin (BTC) okanye i-Ethereum (ETH).  Iimpawu ze-DeFi: Iimpawu zamaqonga ezemali ezinatyisiweyo (umz., Uniswap, Aave).  I-Stablecoins: Ixhomekeke kwi-fiat yokunciphisa ukuguquguquka (umzekelo, i-USDT, i-USDC).  I-NFT kunye ne-Metaverse Tokens: Enxulumene nobugcisa bedijithali, ukuqokelela, kunye nehlabathi elibonakalayo (umzekelo, i-Decentraland, i-Axie Infinity).  Iimpawu eziluncedo: Ukubonelela ngeenkonzo ezinikezelweyo ze-blockchain (umzekelo, i-Chainlink, iFayilecoin).  I-Layer-2 Solutions: Ukwandisa i-blockchain scalability (umzekelo, i-Polygon, i-Arbitrum).  Iimpawu zeWeb3: Ukunika amandla i-intanethi enikezelweyo kunye nokugcinwa (umzekelo, iHelium, iGrafu).   Khetha amaqonga usebenzisa iibhloko ezahlukeneyo.isicatshulwa esibhaliweyo  Yahlulahlula kwiibhlokhi ezinje ngeEthereum, iBinance Smart Chain, iSolana, iCardano, kunye neAvalanche.  Yehlisa ukuthembela kwi-ikhosistim enye kwaye ithomalalisa imingcipheko yokusilela ngokweprothokholi ethile.   Nikela ngoMngcipheko umbhalo onomdla  I-Conservative: Gxininisa kwi-cryptocurrencies esekiweyo kunye ne-stablecoins.  Ukulinganisela: Yongeza i-altcoins ephakathi kunye ne-DeFi.  I-Aggressive: Yongeza i-cap encinci kunye neeprojekthi ezikhulayo ezinokukhula okuphezulu   Isicatshulwa seJografi kunye neShishini eliDiversificationsome  Tyala imali kwiiprojekthi ezinezibheno zehlabathi okanye ezigxile kwingingqi.  Ikhava amacandelo afana nezezimali (i-Ripple, i-Stellar), imidlalo (i-Enjin, i-Gala), okanye ikhonkco lokubonelela (iVeChain).   Ubhalo oluNgenisayo lweNgeniso eyohlukeneyo  Istayki, ifama yesivuno, i-liquidity pool, okanye sebenzisa i-node ukuze ufumane ingeniso.   Ukwahluka ngokusekwe kuMngcipheko wakho kunye nexesha loTyalo-mali    (uMngcipheko oMphantsi, oZinzile weXesha elide) okubhaliweyo okubhaliweyo I-Conservative Portfolio  BTC 40%  I-Ethereum (ETH): 30%  I-Stablecoins (USDT, USDC): 20%  Umaleko-2 uphawu (Polygon): 10%   I-Moderate Risk Balanced Portfolio yombhalo okhulayo  I-Bitcoin (BTC): 30%  I-Ethereum (ETH): 25%  Uluhlu-1 Altcoins (Solana, Cardano): 20%  Iimpawu zeDeFi (Uniswap, Aave): 15%  I-Stablecoins (USDT, USDC): 10%    (uMngcipheko oPhezulu, uMvuzo oPhezulu) umbhalo othile I-Aggressive Portfolio  I-Ethereum (ETH): 20%  Umaleko-1 Altcoins (Avalanche, Fantom): 20%  NFT/Metaverse Iimpawu: 20%  Ii-Altcoins ezincinci: i-20% (Iiprojekthi ezifana ne-Render, Arbitrum)  Iimpawu zeDeFi (iCurve, PancakeSwap): 10%  I-Stablecoins (USDT): 10%   Umngcipheko weHedging  Ukuthintela umngcipheko kwi-cryptocurrency kunye neealtcoins kubandakanya izicwangciso zokunciphisa ilahleko ngelixa ubambelele ekufumaneni amandla. Nazi iindlela ezisebenzayo zokukhusela:   Diversify Your Investmentssome text  I-Cryptocurrencies engundoqo: Tyala kakhulu kwiimali ezizinzile njenge-Bitcoin (BTC) kunye ne-Ethereum (ETH), njengoko zincinci kakhulu kunee-altcoins ezincinci.  Tyala kwiindidi ezahlukeneyo ze-altcoin (umzekelo, i-DeFi, imidlalo, iziseko zophuhliso) ukunciphisa ukuxhomekeka kwicandelo elinye.  Bamba i-stablecoins (umzekelo, i-USDT, i-USDC) ukunciphisa ukuguquguquka kwepotifoliyo kunye nokuqinisekisa ukuba akukho mali.   Uthango olunombhalo weStablecoinssome  I-Volatility Buffer: I-Stablecoins inceda ukugcina uzinzo ngexesha lokuhla ngenxa yokuba zixhomekeke kwi-fiat.   Velisa Amathuba okubhaliweyo  Istake okanye uboleke i-stablecoins ukwenza ingeniso engenzi nto ngexesha lentengiso yemalike (lumkela umngcipheko weqela elinokubakho)   Sebenzisa iDollar-Cost Average (DCA) umbhalo othile  Tyala kwiimali ezimiselweyo ngamaxesha athile, endaweni yemali eninzi, ukunqanda ukuguquguquka kwexabiso.   Sebenzisa i-Stop-Loss Orderssome text  Susa ii-asethi ngokuzenzekelayo ukuba amaxabiso ehla ngaphantsi komqobo ochazwe kwangaphambili ukunqanda ilahleko enkulu.   Iheji enemveliso eguqukileyo okanye izinto eziphuma kuyo.isicatshulwa esithile esimnandi  Ukuthengisa okufutshane: Inzuzo ekuthotyweni kwexabiso ngekamva okanye ngokurhweba ngomda.  Sebenzisa iinketho ze-cryptocurrency ukubiyela ilahleko ngelixa ugcina amandla aphezulu.  Ii-ETF eziguquguqukayo: Ukuba amathokheni anee-ETF ezikhoyo (umzekelo, i-Bitcoin), zinokusebenza njengethango.   Tyala kwisicatshulwa esine-Asethi yoLungelwano oluPhantsi  Ukwahluka ube sisitokhwe, igolide, okanye izindlu nomhlaba ukuthoba imingcipheko ethile ye-crypto.   Yabela kwi-Infrastructure Projectssome text  Tyala imali kwiithokheni ezifana ne-Chainlink kunye nePolygon, ezinokukhula okuzinzileyo ngenxa yokusetyenziswa kwazo okubanzi.   Yakha itekisi yeMali eCushionssome  Gcina inxalenye yolwelo lwepotfoliyo yakho, ngemali eziinkozo okanye ezinye ii-asethi ezingamanzi, ukwenzela ukuhla kweemarike okanye iimeko zikaxakeka.   Ubalo lwesicatshulwa kwiMarike Cyclessome  Musa ukuyigqithisa ngee-asethi ezinxibelelene kakhulu enye kwenye. Iingqekembe ezimbini eziguquguqukayo ezineeprojekthi ezizinzileyo. Qonda imijikelo yeMarike Ukulungelelanisa ipotifoliyo yakho nanini na xa imarike itshintsha (umzekelo, kwiimarike zeebhere, ukunciphisa ukuvezwa kwee-altcoins ezinomngcipheko ophezulu).

This story contains new, firsthand information uncovered by the writer.

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