I-Higher Dividend Inkokhelo Yokuhlawula kwiDow Jones
Xa ucinga ngegama elithi "inja," ngokukodwa kwimeko yokutyalomali, inombutho kunye nomgangatho ophantsi wekhwalithi njengoko uhambelana nokunyuka kwentengo. Kodwa kwihlabathi lotyalo-mali, ukuthenga phantsi ngokuqhelekileyo kuyinto entle.
Ngoko, kunye naloo mva, siza kujonga ngakumbi kulezi zinja kwaye sifunde ngakumbi malunga nendlela yokusebenzisa ngayo inzuzo.
Ziziphi iInja zeDow Stocks?
I-Dow, ebizwa ngokuba yi -Dow Jones Industrial Average , isalathisi esinezi-30 zezona zikhulu zorhwebo zase-US, nangayiphi na enye eyayiyiminyaka. Izinja zimelela i-10 ehlawulelwayo ihlawulelo kwi-Dow Jones Industrial Index Index. Kodwa ngenxa yokuba ixabiso lihlala lihamba kwicala elichaseneyo njengentengo yesahlulo, iiNja zeDow nazo ziyahlukana nokuba ziphakathi kwabaqhubi abaphantsi kakhulu ngokwexabiso lentengo.
Ngenxa yoko isicwangciso- mali sokutsalwa kwemali sinokuthi utyalomali ukhangele iindawo ezinobungozi, okanye "izinja," ezinokuthi zibekwe unyaka onobuhle. Nangona kunjalo, ukusetyenziswa okusetyenziswa ngokubanzi kweenja zeDow kukuthatha izitokisi eziphezulu kakhulu ezithengayo ngenjongo yengeniso.
I-Mutual Funds Ukutyalo kwiInja zeDow
Kukho iindawo ezimbalwa zeengxowa-mali kunye nee-ETF ezitshala kwiInja zeDow kwaye akukho namnye obamba i-100% "izinja;" zimela ngokumalunga ne-50% okanye ngalezi zikhundla zeepotfoliyo zezimali:
- I-Hennessy Balanced Fund (i-HBFBX): i-50% yeempahla kwizinja zeDow, 50% kwiibhondi.
- I-Hennessy Ixabiso elipheleleyo (i-HDOGX): i-75% kwizinja, i-25% kwizibophelelo.
- I-ALPS Icandelo leNjawulo yeenjazi ETF (SDOG): Iqala ngeS & P 500 izitokhwe kwaye ifaka imali kwi-dividend top.
Ukutshala imali kwiiNkcukacha zeDow zengxowa-mali ziba yindlela efanelekileyo yokuba abatyali-mali bakwazi ukufikelela kwiimpahla ezinenani xa befumana imali.
Kwakhona, i- dividend funds for mutual can be wise alternatives to bonds, and even more risky, in low or rising interest rates. Nangona kunjalo, abatyalo-mali kufuneka baqaphele ukuba bagxininiswe ngaphakathi kwinjongo yexabiso kwaye abanokungafani kakuhle. Ngokomzekelo, ngexesha lokunyuka kweemarike zango-2008, iimpahla zezemali zazingezinye zeemali ezihlawulelwayo ezihlawulekayo kakhulu kodwa zazingezona zilahleko ezinkulu kwiimarike zebhere . Izitokethi zemali zaye zabaphathi beemarike ngo-2017.
Kwinqaku lokugqibela, izicwangciso zokutyalomali zifana nezidlo zokutya: Akukho "cwangciso esilungileyo sokutyalombela" ngaphandle kwaleyo esebenza kakuhle kuwe . Kwakhona awufuni ukuqala isicwangciso kwaye ufumanisa ukuba ufuna ukuyiyeka ngenxa yesimo esitsha esishisayo ofumene kwinqaku leendaba. Musa ukudideka yiyo yonke into enokuthi ibe yinto enokuthi ibe yinyaniso yenyanga kwaye unamathele kwizinto ezisisiseko zokuhlola. Kwaye ukuba ufuna ukuthenga iimali ezihlawulelwayo ezihlawula igalelo , akukho mfuneko yokubamba izinja zeNgxowa-mali yeDow.
Umgca wecala kukuba iimali eziphathekayo ezibamba iInja ze-Dow stocks zingasetyenziswa njengenxalenye yephothifoliyo eyahlukeneyo. Kodwa izigqibo eziphambili ekukhetheni iimali ezixhasanayo zifanelekileyo kwi-fund kwiinjongo zomtyalo kunye nokunyamezela komrhwebi.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.