I-Dividend Dilemma Bonke abatsha-mali abatsha kufuneka bajonge
Omnye wemibandela ebalulekileyo oya kujongana nayo njengomtyalo-mali omtsha kukuba ngaba ufanele uchithe izabelo ozifumanayo kwiimpahla zakho ezinjengeemoto, iholide, okanye iindleko zokuphila unyaka ngamnye, okanye ukuba ufanele uzivuselele ukukhula kwangomso. Ukhetho olwenzayo luya kuba nempembelelo enkulu kwixabiso lakho lokugcina, kunye nokuzonwabisa okungakanani okuphuma kwi-capital yakho endleleni.
Ukukunceda ufumane ukuqonda kwee-trade-offs, kunokukunceda ukhangele umzekelo wendalo wokwenza inkampani ephumelelayo. Ngokugxininisa kwimpembelelo ekhoyo yolu sigqibo, ithemba lam lokuba uya kuba nexhoba elingcono ukugqiba ukuba yeyiphi indlela eya kusebenza kuyo iphothifoliyo oyifake kunye ukuze uncede intsapho yakho ifinyelele iinjongo zayo zemali.
Utyalo-mali kwi-Coca-Cola Kwixesha elidluleyo kwiminyaka engama-50 ngaphandle kwezahlulo ezifunyanwa
Ndakhe ndabhala inqaku elibheka ukubuya komtyalo-mali angayifumana kwiminyaka engama-50 eyadlulayo ukuba wayebeka i-$ 10,000 kwizabelo zeCoca-Cola Inkampani phakathi noJuni ka-1962. okanye utyalomali obomi. Ukulandela umbuzo malunga nemiphumo yomvuzo wokubuyisela kwimbuyekezo ekugqibeleni, ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndize ndiyisebenzise.
Uphando lwam lubonise ukuba uza kuzuza amasheya angama-131 e-Coke stock kwi $ 76.50 ngesabelo ngasinye ngo-1962.
NgoJuni ka-2012, uza kuba nee-6288 izabelo ngenxa yesitya esahlukileyo, ukuthengiswa kwi-77 77.44 ngesabelo ngasinye, okanye i-$ 486,943 yeyona ndawo. Ngaphandle kwendlela, ubuya kuhlawula i- dividend checks for $ 136,271. Ngaloo ndlela, i-$ 10,000 yakho yajika yaba ngu-613,214.
Iindaba ezilungileyo? Iziphumo zakho zibhetele kangcono kunokuba zivela kuba izabelo ziza kunika amandla angaphezulu okuthenga.
Khawucinge ukuba i-$ 1 kwiholo lokuhlawula umvuzo ngo-1962 yayiza kuthenga ngaphezu kwe-$ 1 kwingeniso yomvuzo namhlanje. Ngokomzekelo, ukuphela konyaka we-1963, ubuya kuqokelela i-$ 353.64 kwiimali ezabelo. Lona lilingana ne-$ 2,652.04 emva kokulungiswa kwexabiso lentengo .
Ukubeka intsebenzo ngombono: Nokuba emva kweerhafu zerhafu, ekucingeni ukuba unabantwana ababini ngabazali ababini kunye nabantwana babini okanye abathathu, ingeniso ye-Coca-Cola ingenayo imali eyaneleyo yokuthatha ikhefu elide kwiWalt Disney World minyaka emithathu. , ihlawulwe ngaphandle kwepokothini. Kwiminyaka emihlanu ubenamasheya, ubuya kuba novuyo lweentsapho ezili-16 okanye ezili-17, uzuko lwezabelo zakho zeCokeke. Ngaphezulu, uya kuvuka ufumane i-$ 486,943 kwii-Coca-Cola izabelo ezihleli kwi- akhawunti yakho yomrhwebi , eyenza i-$ 12,827.52 yezigidi zemali ezazithunyelwa kuwe ngonyaka.
Oko akukubi ukuba ungayenzi omnye usuku lomsebenzi emva kokuba wenze utyalo-mali lokuqala ngo-1962! Isigqibo esisodwa esilungileyo nge $ 10,000 kwaye ufumana ikhefu leentsapho ezili-16 okanye ezili-17 ezikhethiweyo zentsapho, ziphantse i-$ 500,000 zihleli kwi-akhawunti, kwaye zifumana iirekhodi malunga ne-$ 13,000 ngonyaka ngaphambi kweerhafu, bonke bengakhange bafikelele kwii-original 131 ze Coca-Cola.
Le ngxelo yempumelelo yophuhliso. Ingummiselo wendlela enamandla yokwenza umonakalo xa unokufumana iimpahla eziphezulu. (Sithetha nje nge-coke eqhelekileyo njengeCoke.) Cinga ukuba utyalombile kwimpumelelo eqalayo njengeMicrosoft, Apple, i-Home Depot, iWal-Mart Stores, iCisco Systems, i-Dell, okanye i-Southwest Airlines. , ukuba kungengamashumi amawaka, iidola.)
Utyalo-mali kwi-Coca-Cola Ngaphezulu kweminyaka edlulileyo i-50 kunye neeMali ezabelohlulwa
Umbuzo uhleli: Kuthiwani ukuba ubuyisele kwakhona loo mahlulelo? Kuthekani ukuba ubukade ujoliswa yeholide yentsapho yonke iminyaka emithathu kwaye, endaweni yoko, wandise ama-equity holdings yakho kwishishini? Ukuze uphendule lo mbuzo, ndaphula ispredishithi esitsha kwisifundo sam sasekhaya kwaye ndabona iminyaka engama-50 yesahlulelo kunye nedatha yexabiso le-stock ye-Coca-Cola Inkampani.
Impendulo: Iingxenye zakho ezingu-131 zeCoke, ezithengwa ngo-1962, zaziza kuba zilinganiselwa kuma-21,858 izabelo ngo-2012. Ixabiso lemarike liya kuba phakathi kwe-$ 1,700,000 kunye ne-1,800,000, kwaye izabelo zakho zemali zonyaka ziza kuba ngaphezu kwama-42,000. Yonke loo butyebi yavela kwimbewu enye eyi-$ 10,000 eyalinywa emva kwexesha likaJohn F. Kennedy e-White House.
Ukubuyisela kwakhona iAgaidid yakho okanye Akunjalo: Impendulo
Ngaba unokuba ujonge i-$ 136,000 + ngekheshi ngohambo, kwaye uthathe ikhefu ezili-16 okanye ezili-17 kunye nosapho lwakho, okanye ngaba unokufumana imali engaphezulu kwe-1,100,000 okanye nanamhlanje, kunye ne-30,000 engama-30,000 kwimali engenayo yemali engenayo yonyaka?
Ndiyamthiya ukuba nguyena owawuphulaphula kuwe, kodwa akukho "nto" okanye "engalunganga" impendulo. Ingaba uhlawulela imali okanye ayikho kuxhomekeke kwimeko yakho, iinjongo zakho, iinjongo zakho, ubuntu bakho, kunye nemfuno yakho yemali. Igosa elincinane, igosa eliphumelelayo okanye umgcini-mali ophethe imali eninzi engenako ukufumana nantoni na intsapho yakhe efunekayo, ukubuyisela izabelo kungenako ukuqonda kakuhle. Namhlanje, njengomhlala-phantsi, uya kuvuya xa wenza ukhetho olunjalo njengoko ebala i-$ 42,000 ngemali eyayihamba ngomnyango ngamnye unyaka wenyameko ye-Atlanta-based based drink giant. Ngakolunye uhlangothi, utitshala omncinane, onzima otyalole ifa, mhlawumbi wayebe ngcono kakhulu xa esebenzisa imali yokuzonwabisa xa ehlala ebomini bakhe ngenxa yokuba ukusetyenziswa kwale ntsapho kuhambo kuya kugqithisa ngakumbi ukusetyenziswa kobutyebi obutyebi namhlanje. Wayephelile nge-$ 500,000 kwi-akhawunti yakhe yomrhwebi kunye ne-12,000 yezigidi kwingeniso yonyaka kwizabelo zakhe. Kutheni u khalazo Esi sizathu esihle.
Ekugqibeleni, umnqweno wakho awuyi kufa kunye nenani eliphezulu elifanelekileyo . Injongo yakho kukufa emva kokusebenzisa imali njengesixhobo ukwenzela ukuba kukunike unonwabo ngakumbi kunye nokukhuseleka onokulindela. Okukwintsusa? Ingaba uhlawulela izabelo zakho okanye uzichithe, ungabacaphukisi. Cinga ngolu hlobo kunye nokwaneliswa nayiphi na indlela oyikhethayo. Iphothifoliyo yakho yokutshala imali ikhona ukukukhonza. Ungalokothi ulibale loo nto.
Izahlulelo eziNokuthi zize zize zenze i-Market Market ilahlekelwe ngokukhawuleza
Uphando lophrofesa uJeremy Siegel kwimbuyekezo yemarike yempahla uye wabonisa ukuba ukuhlawulela izihlawulelo zakho ngexesha lokuhlaselwa kweemarike kungabangela ukubuyisela inetha lakho elipheleleyo lixabisa kakhulu kunokuba ungenako. Funda malunga nokufunyaniswa kwakhe kwinqaku elilandelayo: Imfihlelo yokubuyisela iMarike yeThengi .