Ukungathinteki kwintengo esabelana ngayo, izabelo zibambe iqhosha lobutyebi-mali.
Khangela ingqalelo kwiintloko zentalo-mali, kwaye akunakunqandwa: Ukuthengisana kweentengo kunye nokwabelana kwamanani kubusa ngosuku, ngamacandelo afana namandla kunye nobuchwepheshe obuphezulu beza kwisibini esondeleyo.
"Kunzima ukuphuma kwixabiso lemarike yamasheya emini," uthi uGrant Moore, i-CFP ne-Savant Capital Management. "Kungakhathaliseki ukuba kwiindaba, kwi-app yakho kwifowuni okanye kwiphepha, i-S & P ne-Dow ibonakala yonke indawo."
Hayi, kodwa kuthekani malunga ne-dividing-okanye kwezinye, i-dividends ho-hum? Igalelo elihlaselayo? Izahlulo ezingenayo i-heading-grabbing bite?
Ngokuqhelekileyo ezi ntlawulo-ezongeziweyo kubanini-nxaxheba ngenxa yempembelelo engaphezulu kwekota-zibanjwe ngenyameko ngabanye abatyali-mali, okanye kungabikho nto. Ngokwengxenye, ngumbuzo we-jargon: Yintoni esi sihogo sihlulo, nangona kunjalo? Yabelana ngamanani umntu angaqonda. Ukuhlukana kwamashishini kubonakala kunengqiqo. Kodwa yiyiphi isabelo xa ingekho i-Wall Street chump ishintsho?
Okokuqala, i-primer esheshayo: uJohn Kennon, u-Balance's Investing for Beginners Expert, uchaza ukuba, "Inkampani ethile yahlula izabelo zeempahla kwaye ngamanye amaxesha, iBhodi yabaLawuli iyanquma ukwahlula inxalenye yenkxaso ezuzwe yoshishini phakathi kwabathengisi abahlukeneyo. kwaye uyithumele isheke ... ngenxa yokunqunyulwa kwawo loo mivuzo. " Uyaqhubeka: "Ngokomzekelo, ukuba ishishini lathola i-$ 100 yezigidi kwi-tax benefit emva kwerhafu, ibhodi inokugqiba isigqibo sokuhlawula i-$ 50 yezigidi kwizahlulo kwaye ibuyisele esinye isiqingatha ekunyuseni, ukunciphisa ityala okanye ukuvula imveliso entsha."
Kulula ngokwaneleyo, akunjalo?
Ixabiso leMilinganiselo
Kwaye ngokubaluleka kwabo, cinga ixesha elide. Igalelo elibuyisiwe libhekiselele kwisitokisi esithethi, esithetha ubutyebi obuninzi njengamasitoksi aphakama kwinqanaba. "Izahlulelo zinganika ukuhamba kwemali ngokukhawuleza kwithuba ukwenzela ukuba abatyali-mali bangabi nakudinga ukuthengisa isitokisi ukuba bayakwazi ukuhlala kwisihlomelo," kusho uMorey.
"Ngenxa yoko, kugxininiswa kakhulu kwixabiso lempahla kuphela."
"Kwixesha elide, izabelo ezithengiswayo zingakwazi ukuqokelela inani elikhulu labelo, ezinokubaluleka ngakumbi, ngakumbi ukuba izabelo zixabisa," kusho uYale Bock, umongameli, u-Investment YH & C kunye noMphathi wePotifoliyo. Ekuhambeni kwexesha, "ukuhlaziywa kokubuyisela kuboniswe malunga ne-40 ekhulwini yexabiso elipheleleyo lokubuyisela-mali kunye neengeniso-kubangelwa kwizabelo."
"Ngokubanzi abatshali baqaphele ukubaluleka kwezabelo," utsho uDouglas H. DeLong, oyintloko oyintloko kumongameli kunye nomphathi weephothifoliyo ePennsylvania Trust, ulawulo lobutyebi kunye nokuqeshiswa kwezoqoqosho kwiindawo zaseFiladelphia. "Kodwa ngokwecwaningo olwenziwa yiStagaras Research Partners, igalelo ziye zanikela ngenxalenye yexabiso lemarike yokubuyela kwiminyaka eyi-85 edluleyo."
Ngoko-ke masiphinde: "Phantse ama-40 ekhulwini kwindleko epheleleyo inikwe igalelo." Yaye: "Izabelo ziye zanikela ngenxalenye yesibini yemarike yokubuyela kwiminyaka eyi-85 edluleyo."
Ukuguqula izahlulo zinobugcisa, emva koko konke.
Ukukhethwa kweSahlulo seSahlulo
Nazi ezinye izinto eziphambili zokubheka xa ukhetha izitokethi kwixabiso lazo ezahlukileyo:
1) Ezinye iintonga zeenkosi zinyuka ngaphantsi kwe-radar. Njengendlela, ngezantsi.
Thatha, umzekelo, i-Dover Corp yase-Chicago (i-ticker: DOV). Ngokuqinisekileyo ayinayo i-high-tech sizzle ye-LinkedIn Corp. (LNKD) okanye i-Twitter (TWTR). Ibhishini lalo lijolise ekulawuleni kwamanzi, iimveliso zoshishino kunye neenkqubo zokuxhasa iinkqubo. Yawn.
Kodwa ngelixa ezo nkampani zeteknoloji ezinokutsha zineengxaki nge-2016-LinkedIn ehlangulwa nguMicrosoft Corp (MSFT), i-Twitter isaqhubeka kwi-#superslump -Dover ine-winning year win win streaking 60 kwi 61. I-dividends ye-DOV imele ngamasenti ama-42 ngeesabelo ngasinye: ngaphezu kwephindwe kabini iisenti ezili-16 kwisabelo ngasinye esinikwe iminyaka eyi-10 edlulileyo. NgoSeptemba 2015, i-ETF Daily News ibizwa ngokuba yi-Dover isahlulo esisodwa senani.
Thelekisa loo nto kwi-Apple (AAPL), inkampani kwi-radar yotyalo-mali. Akuzange iqale ukukhipha igalelo ukuya kwiinyanga ezi-2012-ezintlanu emva kokudlula uSteve Jobs.
Ixesha lokugqibela i-tech giant yanikezela? Ngo-1995: iminyaka emithandathu ngaphambi kokuqala kwe-MacBook Pro laptop.
Kunyaka odlulileyo, i-Apple yabhengeze isahlulelo sama-57 eesenti nganye ngesabelo. Leyo ayiyona ingqungquthela yemali, kwaye iphuma kwi $ 3.05 yanikezelwa ngeli xesha ngo-2014. Ewe, kungcono kuneZilch. Kodwa ukuba uMsebenzi ngokwakhe utyalomali kwixabiso lezabelo, i-Dover iya kuba yinto engqiqweni, ekhethileyo.
2) Abanye abaphumeleleyo abahluleli bafuna into eqinisekileyo ngokwembuyekezo. UJohnson & Johnson (JNJ) uyaziwa ngeengxowa-mali njenge "i-aristocrat". Emva kweminyaka engama-54 ukususela ngoJohn F. Kennedy e-White House-ukunakekelwa kwempilo e-New Jersey kunye ne-giant-drug unyaka. Nangona i-Apple enamandla ayizange ilawulwe ngentambo engapheliyo kwiminyaka emine nje emfutshane.
NgoMeyi, i-dividend ye-J & J yakhupha ama-6.7 ekhulwini, ihlawula i-payout kwi-75 yeesenti nganye ngesabelo ukuya kwii-80 ngekota nganye. Ngokuqinisekileyo, iipakethe zokuncedisa iiBhodi zindleko malunga nama-bucks ayi-12. Kodwa ngaphezu kweminyaka engama-54 kunye nokuhlaziywa ngokuzenzekelayo kwezahlulo kwizabelo, mhlawumbi ungathenga amabhandeki aneleyo ukuze uzalise umyinge.
Kuze kube ngo-2016, i-JNJ ihlawule i-2.56 yeesenti ngeesabelo-okanye i-$ 256 ngonyaka xa unayo izabelo eziyi-100. "Ngoko unyaka ozayo iidola eziyi-256 zeedola ezibuyiselwayo ziza kukuhlawula enye i-2.56 ngey share nganye kunye naluphi na ukwanda, ngo-5 ukuya kuma-8 ekhulwini," kusho uBock.
3) Izahlulelo zingathetha ukuthatha umhlalaphantsi. Leli thumela phantsi kwezinto ezincinci, uthi uSean O'Hara, umongameli we-Pacer ETFs, umthengisi weengxowa-mali othengiselana ngokusekelwe ePaoli, ePennsylvania. "Siya kuthetha ukuba izitokisi ezinokukhupha kwemali ephezulu yokuphuma kwemali kunye nezihlawulelo eziphezulu zizibambiso ezifanelekileyo kubatyalomali, ngakumbi abathathe umhlala-phantsi. Zenza umvuzo ophezulu, zikwazi ukukhula kangcono kunye nokulawulwa komngcipheko ongaphezulu kunokuba kuhlawulelwe kwiinkalo ezibanzi okanye ezinye izibonelelo ezingenasiseko. "
4) Khangela "imikhosi yomlawuli." Xa ufuna uphawulo oluthembekileyo lwezabelo, zama oku Beka umlawuli kwigrafu ukususela ekuqaleni kweentlawulo zokuhlawula ukuya ekupheleni. Ngoku, khangela iinkwenkwezi apho amanqaku amaninzi aphakanyiswa kakhulu kumlawuli. I-Colgate Palmolive (CL), i-Procter neGamble (PG), kunye neCoca Cola (KO) yimizekelo yemigangatho yemlawuli, "kusho uBob Johnson, umongameli kunye ne-CEO ye-American College yeeNkonzo zezeMali eBryn Mawr, ePennsylvania. "Umlawuli womlawuli ulungele ukwahlula abatyali-mali ngenxa yokungahambelani kokukhula kwezabelo,"
Okanye, ukuba ukhetha: Ziyimilinganiselo enkulu yobuncwane.