Ziziphi ii-akhawunti ze-DRIP?
Isibheno se-akhawunti ye-DRIP kukuba uyivula nge-ejenti yokuthunyelwa kwe-stock okanye elinye iziko lemali elixhasayo endaweni ye- stock broker .
Nge-akhawunti ye-DRIP, unako ukusetha imiyalelo yokuthenga rhoqo, ngokuphindaphindiweyo ukwenzela ukuba imali ithathwe kwi-akhawunti yakho yokujonga okanye yokulondoloza nganye iveki, inyanga okanye ikota, kwaye isetyenziselwa ukuthenga amasheya esitokisini apho uzimisele khona ufuna ukuba ngumnini.
I-DRIP ezininzi zikwazicwangciso zokuthengwa kwempahla yesitokhwe, ukuvumela ukuba uthenge izabelo zeenkampani ngqo kwi shishini. Njengebhonasi eyongeziweyo, iinkampani ezininzi azihlawulisi iikhomishini okanye intlawulo yokuthengwa kotyalo-mali rhoqo. Abo benzayo, bahlawula umrhumo omncinci kakhulu (umzekelo, i-$ 2.00 nganye ngokuthengiselana), ekuncedeni ukuba ugcine ngaphezulu kwemali yakho eyenza igalelo kuwe.
Akukho mfihlelo yokuba ndingumqhubi wokusetyenziswa kwe-DRIP kwipotifoliyo. Kwixesha elidlulileyo, ndibhale malunga nendlela intsapho yam ifundise ngayo umntakwethu omncinci ngokutshala imali ngokusebenzisa i-Coca-Cola isicwangciso sokuthengwa kwesitotho esithe ngqo. Xa ndiqalise ibhizinisi lam lokuqala, savula ii-akhawunti ze-DRIP ngeempahla ezincinci ze- chip chip , ezifana ne-Procter & Gamble no-Johnson & Johnson.
Ndibahlobo kunye nezihlobo ezinama-DRIP ngokwabo, amashishini abathandayo, kuquka iibhanki zengingqi, iigorante ezinkulu, abathengisi bezaphulelo, kunye nama-conglomerate wokutya.
Nge-DRIPs, Unako Ukubuyisela Akukho, ezinye, okanye zonke iiMahlulelo zakho
Ngaphandle kweehedyuli zee-komiti eziphantsi kweendleko eziphantsi okanye ezingabizi ixabiso, inzuzo enkulu yeCandelo lokuThumela iMali yokuHlawulela ikwakunika iindlela ezintathu zokubuyisela izihlomelo zakho:
- Ukubuyisela ngokugcwele yonke inzuzo yakho yesahlulo ukuthenga izabelo ezininzi ze-stock kwinkampani (mhlawumbi, ukufumana izabelo ezingaphezulu nakwixesha elizayo)
- Ukubuyisela ngokwakho igalelo zakho kwaye uthumele okunye kuwe ngetshekhi okanye idiphozithi ngqo kwi-akhawunti yakho yokujonga okanye yokugcina. Unokubeka ipesenti ngokwakho. Umzekelo, "Ndifuna ukubuyisela i-70% yengeniso yam inzuzo kwaye i-30% esele idibene ngqo kwi-akhawunti yam yasebhanki."
- Ukuhlawula ngokupheleleyo zonke iindleko ozifumanayo, ngokukhupha isheke okanye ngokusebenzisa idiphozithi ngqo kwi-akhawunti yakho yasebhanki.
Ukuba utshintshe ingqondo yakho ngeveki, inyanga, okanye kwiminyaka embalwa kamva, ungatshintsha indlela olwahlula ngayo izahlulelo zakho. Emva kobomi bokugcina kunye nokutshala imali, unokubiza umnxeba wokudlulisa, uzalise amaphepha ambalwa, kwaye uhambe kwi-dividend epheleleyo yokubuyisela ukuhlawula ukwahlula okupheleleyo, ukufumana isheke malunga nesabelo sakho semali ehlawulwayo yenkampani. Ukubeka loo nto, ukuba unamaxabiso angama-10,000 e-Coca-Cola owaye wakha ngokuzikhusela ngokubeka eceleni ikhekhe yakho kwi-career yakho, ngo-2017 unokulindela ukuqokelela i-$ 14,800 ngemali-mali. Ekubeni iCokeke ihlawula igalelo layo ngekota, uya kuvula ibhokisi leposi kwaye ufumane i-$ 3,700 i-check every inyanga ezintathu, kane ngamaxesha ngonyaka.
(Uya kuba noxanduva lokuhlawula irhafu ye- dividend ngexesha le nqaku lishicilelwe). Akukho mthengisi wempahla. Akukho zikhombo zemihla ngemihla. Ufumana isitatimenti sekota sibonisa ubunini bakho benkampani yakho, ingeniso yakho yesabelo, nayiphi na into eyithengiweyo, ukuthengiswa, okanye ukubuyiswa kwempahla oyenziweyo, kunye nesheke (ukuba ufuna iholo lakho lihlawulwe kuwe).
Kulula ngokucacileyo, yeso sizathu ongeke uve naluphi na okhuthaza ii-DRIP. Amabhanki kunye nabathengi abanako ukwenza imali kubo. Kulingana nokuya ngqo kumenzi kunye nokudlula ivenkile. Ufumana lonke lokulondoloza.
Ziziphi iintlobo zabaTyalo-mali kufuneka ziqwalasele i-DRIP kwi-Portfolio yabo?
Kuba abatyala-mali abade bexesha elide abafuna ukukhetha amashishini amancinci, ababenabo ixesha elide, bavuselele izabelo zabo, kwaye bafumana ubuninzi obuninzi, i-DRIP mhlawumbi iyindleko ephantsi kakhulu, indlela engcono yokuhamba ngayo.
Kukho iingxaki ezithintekayo, kodwa ndicinga ngezi nzuzo. Ngokomzekelo, awukwazi ukuboleka kumgama we-stocks ogcinwe kwi-akhawunti ye-DRIP kwaye awukwazi ukuthengisa ngokukhawuleza (kufuneka ufowune okanye ugcwalise iphepha ukuze uqalise inkqubo, enokuthatha iintsuku ezimbalwa), kodwa ezo kuthintela ukukhuseleka kokukhusela ukucinga kwexesha elifutshane.
Uninzi lweenkampani zinika iDIPIP. Ukufumanisa ukuba ishishini elinesabelo esinalo ekuthengeni isicwangciso esinjalo, biza umnxeba wobudlelwane bomninimzi okanye uhlolisise icandelo lobudlelwane bezotyalomali kwiwebhusayithi yenkampani. Ukhangele uxwebhu olubizwa ngokuba yi- prospectus , eya kuchaza iirhafu kunye neendleko.