តើ Berkshire Hathaway សាកសមសម្រាប់ IRA ដែរឬទេ?

Berkshire Hathaway (BRK.A, BRK.B) is a conglomerate holding company that is best known for its iconic chief executive officer (CEO) វរិនប៊ូហ្វេត—also known as the Oracle of Omaha. Buffett has been building the company for decades and is one of the wealthiest people in the world with an estimated net worth of $106.3 billion net worth as of December 2022.

Berkshire Hathaway started as a textile manufacturing firm in which ប៊ូហ្វេត។ began acquiring shares early in his career. By 1965, he took control of the company outright. Buffett soon began exiting the textile mill business and adding businesses from other ឧស្សាហកម្ម including insurance, retail, and media to Berkshire’s overall portfolio. Berkshire has a មូលធន​ទីផ្សារ of $676.23 billion as of Dec. 26, 2022.

Buffet built a reputation along the way as one of history’s greatest investors, which makes Berkshire Hathaway stock coveted by other investors.

ផលប័ត្រ Berkshire Hathaway

Berkshire Hathaway is a ក្រុមហ៊ុនធំ of different companies. It also invests in publicly traded companies. Changes made by Buffett in the Berkshire portfolio often move the stock prices of the companies traded and get significant media coverage. Its top public equity holdings as of Dec. 31, 2021, include:

1. ផ្លែប៉ោម (Apple បាន) with a $157.5 billion stake, owning 5.4% of the tech company
2. ធនាគារអាមេរិក (BAC) with a $45 billion stake, owning 12.3% of the bank
3. អាមេរិចអ៊ិចប្រេស (AXP) with a $25 billion stake, owning 19.6% of the credit card company
4. កូកាកូឡា (KO) with a $24 billion stake, owning 9.3% of the beverage company

Warren Buffett’s Management Style

Buffett is a long-term, ទិញនិងកាន់ investor focused on value. He has long been known to focus his investments on companies that he knows. As such, he usually avoids higher-risk, សន្ទុះ names. His preference is for well-established, slower-growth businesses. Buffett typically makes investments with plans to hold them for at least 10 years.

One of Buffett’s more popular quotes is, “It’s far better to buy a wonderful company at a fair price than a fair company at a wonderful price.”

Berkshire’s 2015 purchase of Precision Castparts for $235 per share in cash diverged slightly from Buffett’s traditional investment style. Although Precision falls into the category of businesses that Buffett tends to favor, Berkshire paid a 21% ការធានារ៉ាប់រង per share to buy it, departing from Buffett’s preference for good value in his trades.

ការសម្តែងរបស់ Berkshire Hathaway

Buffett’s investment style and choices make for a conservative សំពៀត​ឥណទាន overall, with less than average volatility. The principle of risk and return suggests stocks with lower risk levels also provide lower return potential.

Buffett has delivered above-average returns over the long term. From 1965 to 2020, the average annualized return for Berkshire shares was 20%, while the អេស & ភី ៥០០ returned an annualized 10.2%.

Income investors likely find the lack of a ទិន្នផលភាគលាភ។ as one of the only drawbacks of investing in Berkshire Hathaway stock. Berkshire has only paid a dividend once in 1967.

For those considering Berkshire Hathaway as an គណនីសោធននិវត្តន៍បុគ្គល (IRA) holding, this is less of a concern, as withdrawals from IRA accounts are generally not recommended until the individual reaches age 59½.

Two Share Classes

One of the most unusual features of Berkshire Hathaway stock is its stock price. It never splits. On Dec. 23, 2022, Berkshire Hathaway’s ភាគហ៊ុនរបស់ Class A (BRK.A) closed at $463,400 per share. This puts even a single share purchase out of reach of many investors. Buffett is clear that he prefers to attract long-term investors as opposed to traders.

In 1996, Buffett partially conceded, issuing a Class B block of shares to make his company more accessible. These shares made a 50-for-1 បំបែកភាគហ៊ុន in January 2010 and closed at $306.49 per share on Dec. 23, 2022.

There is essentially no difference in these shares outside of the stock price. Trading flexibility is the primary advantage of owning Berkshire Hathaway Class B shares.

Does Berkshire Hathaway Fit in an IRA Account?

For most investors, Class B shares are the only option when looking to add Berkshire Hathaway to an IRA. The maximum annual contribution to an IRA is $6,000 a year for 2022, rising to $6,500 for 2023. People who are 50 and older can make an additional ការចូលរួមចំណែកចាប់ នៃ $ 1,000 ។

This means the Class A shares are not an option unless the investor has built up a sizable portfolio. The Class B shares are within the reach of all investors.

Mutual funds and មូលនិធិប្តូរប្រាក់ (ETFs) that contain broadly diversified portfolios of well-established, large-cap names are often recommended as core retirement portfolio holdings. Buying shares of Berkshire Hathaway is akin to buying shares of a large-cap value mutual fund. Class B shares could thus make an ideal holding in retirement portfolios.

បន្ទាត់ខាងក្រោម

The portfolio’s composition of well-established mature businesses that can operate successfully in most market environments makes Berkshire Hathaway an investment that is appropriate for most IRA accounts. Buffett’s style of investing for the long-term aligns well with the long-term nature of IRA accounts.

ក្មេងជាង។ អ្នកវិនិយោគ can use the stock as a core long-term holding for growing portfolios. Retirees will likely maintain a lower equity allocation in their portfolios overall with capital preservation being a primary consideration. However, equities are still needed in these portfolios to help stay ahead of inflation, and Berkshire Hathaway can be an ideal choice to fill out that part of the portfolio.