Iimali eziphakamileyo ze-dividend ziye zaba yinto eyaziwayo kakhulu kubatyalo-mali abatyelele ingeniso kwiminyaka yakutshanje kuba utyalo-mali olusisigxina-mali-mali, njengezatifikethi zebhanki, izatifikethi ze-deposit kunye ne- US Treasury zihlawula ngaphandle kwayo.
Ngethuba lezityalo eziphantsi, i-1.5% -5% isivuno esingayifumana kwiimpahla ezihlawulela igalelo zithandeka ngakumbi.
Iinzuzo zeeNkokhelo zokuThathelana
Amasheya aphezulu ahlukumeza ngokubanzi umrhweba ngexesha elide. Ngokomphathi we-asethi u-Dreyfus, amasheya ahlawula amaxabiso e-US ahlawulele umlinganiselo we-9.3% ngonyaka ukususela ngoJanuwari 31, 1972, ngoDisemba 31, 2013, ogqithise kakhulu kwi-2.3% yokubuya kweminyaka yee-stocks ezingenazo izabelo. Ukongezelela, ngaphezu kwesigamu sokubuya kwamaxabiso ase-US ukususela ngo-1930 ukuya ekupheleni konyaka ka-2010 bekukho umphumo wezabelo kunokuba kuxabiswe intengo.
Ngokomlando, amasheya ahlawulayo ahlawulayo ayenzela ngcono kuneemarike ngokubanzi ngamaxesha apho amanani emasheya abuthathaka. Ekubeni ama-stocks ahlawula iindleko ngokubanzi zikhuselekileyo kwaye zineemali ezinamandla kunezo ezingenjalo, abatyali-mali bathambekele ekuthobeni abahlawuli bezabelo ngexesha leengxaki.
Ukwahlula, ngokubuyisela imali yangempela kubanikazi abanini-nxaxheba, kwakhona banikezela ubungqina boshishino oluphantsi kwesitokisi. Ukongezelela, iinkampani zivame ukusebenzisa izixhobo zazo ngokufanelekileyo xa zingenakuninzi - imali leyo ibuye ihlawulwe imali. Iingeniso eziphezulu zichaza imali engakumbi kwizandla zabatyalomali, kwaye ngaphantsi kwezandla zecandelo lolawulo ezingenakwenza izigqibo ezifanelekileyo.
Yintoni ekuvuneni?
Ngokwemvelo, kuninzi kwi-investment-based based investment ngaphandle kokufuna izitokhwe ezivuno eziphezulu. Kwezinye iimeko, isivuno esiphezulu sesahlulo singasebenza njengesilumkiso sokuba intengo yesitokisi ingadakatheka ngenxa yesizathu esibalulekileyo. Abatyalomali bajonge iinkampani ezinomgangatho oqinileyo oxhasa igalelo, njengokukhula okunamandla kwemali, ama-balance sheets, kunye nokulinganisa okukhangayo.
Ngakolunye uhlangothi, akuyimfuneko ukuyeka ukukhula ukutyalomali kwiimpahla ezihlawulelwayo. Iinkampani ezininzi ezinezivuno ezithandekayo zizikhokeli zehlabathi ezintsha - kwaye kungekhona uhlobo lwezityalo, ukukhula kancinci kwenkampani eziza kubonelela abatyalo-mali ngokuncinci kwindlela yokuxabisa ngokukhululeka kwexesha.
Iimali ezixhasene neSitokisi
Abatyalomali abazama ukugqiba indlela yokwabela phakathi kwamasheya kunye nezibophelelo kufuneka bajonge injongo yabo yokutshala imali.
Ukuba ukhuseleko luyinjongo ephambili, inkqubo efanelekileyo kakhulu yokutshala imali kwiimpahla ezininzi ezigcinayo, ezifana nezibophelelo zikaRhulumente okanye iimali eziphathekayo ezityalomayo kwizibophelelo ezinomlinganiselo omfutshane .
Ukuba ingeniso iyona nto ingqwalasela kwaye umtyalo-mali unokukwazi ukufumana ingozi ethile, izibophelelo eziphezulu kunye nezibopheko zoshishino ezikhulayo ziya kuba ngamacandelo amacandelo okufumana izivuno eziphezulu kakhulu.
Ukuba ukuxabisa okukhulu kukubalulekileyo kwaye ingeniso yesibini - kodwa ke, i-stock-pay dividends-stock share can play a important role.
Ngokwemvelo, akukho mfuneko yokutyalomali kwiklasi enye ye-asethi. Ngokuqhelekileyo, ukuhlanganiswa kwezi nxaxheba kunye nokunye utyalo-mali kuyimfuneko ukuvelisa ukuhlanganiswa okusemgangathweni kwengozi, ukubuyisela inani elipheleleyo, nokuvelisa.
Indlela yokuTyala imali kwiiShishini eziThatywayo
Abatyalo-mali banokuqokelela iipotifoliyo eziphezulu kwiindlela ezintathu: zithengela amasheya ngabanye, utyalo kwiimali ezihlanganyelweyo, kunye nokusebenzisa uluhlu olubanzi lwee- ETF eziye zadalwa kwiminyaka yamuva. Phakathi kwee-ETF ezigqithiseleyo zizahlula i-ETF (iShares Dow Jones Select Dividend Index ETF (i-ticker: i-DVY), i-Vanguard ukwahlukana kwe-ETF (VIG) kunye ne-SPDR neS & P i-ETF (SDY). Kukho ii-ETF ezininzi ezininzi ezityala kwii-stock-dividend stocks kwiindawo ezithile zeemarike, ezifana nezitokhwe ezincinci okanye iimarike ezikhulayo.
Unokuthenga izitokhwe okanye ii-ETF ngokusebenzisa umthengisi, kunye neengxowa-mali eziphathekayo zifumaneka ngokusuka kwi-broker okanye kwinkampani ngokusebenzisa utyalo-mali othe ngqo. Qiniseka ukuba uqhagamshelane nomcebisi wezezimali okanye usebenzise zonke izixhobo ezininzi ze-intanethi ezikhoyo ukuqhuba uphando olunzulu phambi kokutyalomali.
Ukuziphendulela : Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lithathwe njengengcebiso-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.