Yiyiphi iSahlulo?

Ukwahlula Inkcazo kunye Nenkcazo kubatshali-mali abatsha

Umbuzo: Iyintoni i-Dividend?

Impendulo: Enye yezona zibonelelo ezintle zokuba nequmrhu eliphumelelayo kukuba unandipha inxaxheba yakho nayiphi na inzuzo eqiniweyo. Ingaba yinkampani yentsapho yabucala oye waqala ngaphandle kwento okanye i-stock kwi-conglomerate eninzi yelizwe ohlala kuyo kwi-akhawunti ye-brokerage okanye yomhlalaphantsi, xa iqumrhu ligqiba ukuthumela enye yengeniso yerhafu emva kokuba ivelise kuwe ngendlela isheke okanye idiphozithi ngqo, oku kuthiwa isahlulo.

Ukuze ufunde okubanzi malunga neentengo, jonga la manqaku:

• Ulwahlulo luka-101 - I-Step-by-Step ye-Step-by-Step's Overview of How Dividends Work
• Ulwahlulo lokutshala imali?
• Gxininisa kwiRhafu yeNtlawulo, kungekhona nje kwiNzuzo
• Ukwahlula, Inzala, kunye neRents Ingundoqo kwiZakhiwo zoMhlaba

Umbuzo: Kutheni Ukwahlula Okubalulekileyo?

Impendulo: Imilinganiselo ibalulekile kuba i-theory yemali ithi zonke iifemu zikhona kuphela ngenjongo yokuhlawula ixabiso, ngoku ngoku okanye ngexesha elizayo. (Xa inkampani engenakho ukuhlawula igalelo iyakwanda kwindleko, kuba kuba abatyali-mali balindele ukuba ngexesha elithile ukuhlawula kuya kwenzeka okanye bakholelwa umntu wesithathu, kulindeleke ukuba akwazi ukukhupha izahlulo ngenye indlela okanye enye , ngenxa yendlela yokusebenza kwentlawulo kwaye ngenxa yokungahambi kakuhle kwikhowudi yentlawulo, ininzi yabanini-mali abanokwabelana ngale mihla bathabatha ifom ye "iminyango yangemuva" izahlulelwa njengenxalenye yenkqubo yokuthengwa kwamashishini .)

Ngexesha lexesha lokukhula ngokukhawuleza, iifemu ezininzi azihlawuli igalelo, ukukhetha esikhundleni sokugcina imali yokufumana imali kwaye uyisebenzise ukwandisa. Abanikazi bavumela ukuba ibhodi yabalawuli ukuba yenze lo mgaqo-nkqubo kuba bakholelwa ukuba amathuba afumanekayo kwinkampani aya kubangela ukuhlawula okuphezulu kuninzi kwindlela .

Umzekeliso weklasi yi Starbucks, ikhenketho enkulu yekhofi yehlabathi. Kwiminyaka emininzi, ulawulo lwalima yonke ipensenti ukuba inokuvula indawo ezintsha. Emva kokuba sele ifikelele kwizinga elithile lokukhula, ngamathuba ambalwa wendawo e-United States, ivakalise isabelo sayo sokuqala.

Umbuzo: Kutheni Abaninzi AbaTyalo-mali begxininisa kwiMida?

Impendulo: Ukugxininisa kwizabelo xa unquma ukuba yeyiphi iifayili eziqhelekileyo ukubandakanya kwi-portfoliyo yakho yotyalo-mali inika inzuzo eninzi.

1. Konke akunakwenzeka ukuba imali yokukhohlisa. Ingaba inkampani ikuthumela imali okanye ayiyi. Izizukulwana zophando zezemfundo zibonakalise ixesha kunye nokuba oko kuthiwa "umgangatho wembuyekezo" kwiifom zokuhlawula igalelo kuphezulu kunezo ezingabhataleli izabelo. Ekuhambeni kwexesha, oku kuthetha ukuba izahlulo zokuhlawula izahlulo ziye zaphazamisa amafayili angahlawulwanga.
2. Isivuno sokwahlula kwi-stock yekampani sinokuthi sibe ngumqondiso wesimo sokungaphantsi okanye ukuphononongwa.
3. Ingeniso yokuhlula i-tax-benefits. Uninzi lweentsapho lunokuhlawula i-0% kwerhafu yentlawulo. Iintsapho ezininzi ziya kuhlawula i-15% okanye ngaphantsi kwinqanaba likaRhulumente. Abacebileyo baseMerika baya kuhlawula i-23.8% kwizinga likaRhulumente.
4. Iinkampani ezilungileyo zinembali yokugcina kunye nokwandisa isabelo sabo nakumaxesha okuwa kwezoqoqosho, ukuvumela abanikazi ukuba banandiphe ukutya, indawo yokuhlala, kunye neengubo phakathi kweemvula zamanzi. Thatha intsimbi yesibhakabhaka esisemthethweni, i-Hershey Inkampani, eyasungulwa ngawo-1800. Ngomhla we-15 kuJuni, 2015, kwasasazwa ukuhlawula okulandelelanayo okulandelanayo kwabangabanini-mali! Le minyaka engama-85 1/2 yekhefu ayizange ilahleke isahlulo esinye isheke. Yaqala ukuyihlawula ngo-1929 ngaphambi kokuhlaselwa kweentlekele kwezoqoqosho kwiminyaka engama-600 kwaye yaqhubeka ihlawule njengoko ihlabathi lahlukana. Yayihlawula iindleko nangona ihlabathi elijikelezayo lijikelezile; kwiimfazwe ezimashumi amabini, ukunyuka kwamaxabiso, ukuchithwa kwempahla, ukulawula ulawulo lukaMongameli, ukubulawa kukaMongameli, usongelo lokubhujiswa kweekliya kunye ne-crisis missile crisis, ukuwa kobukhomanisi, ukuhlaselwa kweentlanga, ukuhlaselwa kwamaphekula ukungabikho kwemisebenzi, ukungabikho kwemisebenzi ephezulu, ukunyuswa kwamalungelo amaninzi oluntu, iimfesane, imibhikisho, ukufika kwenyanga, kunye nezinye izinto ezibalulekileyo kwimpucuko yonke ngenxa yokuba abantu babesifuna i-tshokoleta. Kule minyaka elishumi elidlulileyo kunye nesiqingatha yedwa, isahlulelo sesahlulo sishiye kwi $ 0.50 ngesabelo ngasinye kwi $ 2.14 ngesabelo ngasinye, ukwanda kwama-428%.

1. Ngethuba lexesha loxinzelelo lwezoqoqosho, isahlulelo sinokudala uhlobo lomgangatho ongaphantsi kwesitokisi esilugcina ukuba singabi phantsi kwiinkampani ezingahlawulwanga. Esi sizathu sokuba i- dividend stocks zivame ukuwela ngaphantsi kweemarike zeebhere . Ukongezelela, izabelo zikhawuleza ixesha elifunekayo lokwakha kwakhona iphothifoliyo yakho emva kokulahlekelwa okulahlekileyo ngenxa yesiganeko semathematika esiye safundiswa kwiSikolo soShishino seWharton .

Umbuzo: Nguwuphi uMhla woLuhlu loLuhlu lweMali? Ngumhla wokuhlawula ohlawulelwayo?

Impendulo: Xa ibhodi yabalawuli belizwe ichaza isahlulelo, iya kuphinda ichaze "umhla wokuphuma" kunye "nomhla ohlawulwayo". Umhla wokugqibela ngumhla apho iincwadi zenkampani ziza kuhlolwa kwaye nabani na abaneengxenye ngaloo mini baya kufumana isabelo esekelwe kwiimpahla zabo zonke.

Ukuba uthenge isitoko ngosuku emva komhla wokugqibela, awuyi kufumana inkokhelo yentlawulo ezayo, kufuneka ulinde nayiphi na ikamva. Umhla ohlawulwa ngumhla apho isahlulo sithunyelwa kubanikazi. Ngelo xesha uza kubona imali ibonakaliswe kwi-akhawunti yakho ye-brokerage, i-akhawunti yebhanki, okanye apho iya kuthunyelwa kuwe xa ukhetha ukuhlola iphepha.

Ukuze ufunde kabanzi malunga nomhla wohlahlo lwabiwo lwangaphambili, khangela la manqaku:

• Umhla woLwabiwo-ntlukwano Inkcazo kunye Nenkcazelo: Ukuqonda indlela uMhla wokuLawulwa kweeMpahla oPhezulu .

Umbuzo: Nguwuphi uTyalo-mali loTyalo-mali?

Impendulo: Umtyalo-mali wokuhlawulela isabelo ngumntu ogxininise ekuthengeni amasheya anezinga eliphezulu lokukhula kwizahlulo ezipheleleyo kwisabelo ngasinye. Umzekelo, ukuba sibuyele kwingxoxo yethu yangaphambili ye-Starbucks, i-giant giant ine-isivuno sesahlulo se-1.4% kwangoku. Le nto iphantsi kakhulu ukufikelela kwisivuno (unokuqokelela phantse 3.6% kwimali yakho ngokuthenga izabelo ze-hamburger titan McDonald's, ngokungafaniyo). Nangona kunjalo, ngenxa yokuba i-Starbucks isanda kwanda ngokukhawuleza, ingakumbi phesheya kwelinye ilizwe, abahlalutyi balindele ukuba isahlulo sinyuswe kwisilinganiso se-17.5% ngonyaka kunyaka emihlanu ezayo. Kusenokwenzeka ukuba ekupheleni kweminyaka emihlanu, ikhenketho yekhofi iya kukhula ngokukhawuleza ngakumbi kunokuncintisana nabanye abavuthiweyo. Ekugqibeleni, umnini wexesha elide enekota elide okanye ixesha elide kakhulu unokuphelisa ukuqokelela amaxabiso amaninzi nangona isivuno sokuqala sasingaphantsi kwamanye amathuba ngeli xesha.

Ukuze ufunde okubanzi malunga nokutshala imali ekuhlaleni, jonga la manqaku:

• Ukwenza iMali ngeCandelo loPhuhliso loTyalo-mali
• Ulwahlulo lweeShishini zokuKhula luyakwazi ukuhlawula iiShishini eziMahlulo eziPhakamileyo
• Ulwahlulo lweeShishini zoPhuhliso luyakwenza ukuthenga okumangalisayo kunye nokuTyala imali
• Indlela Iintengo Zokwanda Kokukhula Zingakunikela Ngenzuzo Engalindelekanga

Umbuzo: Iyintoni i-Aristocrat ye-Dividend?

Impendulo: I-aristocentrat isahlulo yinkampani e-S & P eye yabona njengokuba ikhule isabelo sayo ngesabelo ngamnye unyaka, ngokungenakwenzeka okanye ngaphandle, iminyaka engama-25 okanye ngaphezulu. Oko kuthetha ukuba ngaba awuzange uthenge esinye isabelo, uye wafumana ukuhlola okukhudlwana nokukhudlwana njengoko ibhizinisi lakho lithengisa ngaphezu kwazo zonke izinto ezizithengisayo; i-ayisikrimu, iziqholo, i-bleach, i-powder baby, ii-jet, ii-carbonated drinks, okanye unjani. Cinga nje ngolu hlobo lotyalo-mali; iinkampani ezifana noSysco, McCormick, Clorox, noJohnson & Johnson.

Umbuzo: Yiyiphi i-Award Investment Investment?

Impendulo: Umtyalo-mali wokuhlawula isabelo, okanye umrhumo-mali oveliswayo ohlawulekayo njengokuba zibizwa rhoqo, ngumntu ogxila ekuthengeni iisitokethi kunye nesabelo esiphezulu esicinga ukuba "sikhuselekile", ngokuqhelekileyo sithetha ngokugqithiswa ngumlinganiselo omncinci wokuhlawula- ukufumana umvuzo okanye ukuphuma kwemali. Omnye owela kwesi sikolo solawulo lwephothifoliyo uyakukhetha ishishini elifana ne-AT & T okanye i-Verizon, edla ukuhlawula i-dividends ye-4% ukuya kwi-6% enokuthi ikhule ngamaphuzu ambalwa kuphela ngonyaka. Ngengqiqo ebanzi, eli cwangciso linengqiqo kunomntu ofuna imali eninzi engapheliyo kwiminyaka embalwa yokugqibela yobomi njengempahla yokukhula kwezahlulo zivame ukubetha i-stock yield yields .

Ukuze ufunde kabanzi malunga nokutsalwa kwetyala lokuhlawula imali, khangela la manqaku:

• Ukufumana iSahlulo esiPhezulu kunazo zonke UkuThengisa iiShishini zePortfolio yakho
• Jonga iNgxowankulu yokuThumela uMthwalo
• Indlela yokubala ukuThengiswa kweMida

Umbuzo: Iyintoni iSahlulo seStock?

Impendulo: Xa uva malunga "nesahlulelo se-stock", oku kuhlukile kwi-dividend yemali. Kwenzeka xa inkampani ithumela amasheya angeziwe abanikazi ngokusekelwe kumlinganiselo othile. Ngokwenene, isahlulo sempahla luhlobo lwesahlulo sebelo. Kubalulekile ukwazi ukuba izabelo zentengo ayikho uhlobo lokufumana ingeniso kwindalo yendabuko, kodwa ngokuphindaphindiweyo ithuluzi lengqondo. (Inzala enomdla-mali kunye nomcebisi kuWarren Buffett , uBenjamin Graham wabhala malunga nekhulu leminyaka edlulileyo yeenzuzo zenkampani ehlawula isahlulelo samashishini rhoqo, ngokukodwa ukuba igcinwe i-earnings kwaye ayihlawulwanga isahlulelo semali, ukunika abanini-zimali uphawu olubonakalayo lweengeniso ezigcinwe eziye zavuswa kwakhona ngenxa yabo.Abo bafuna inzuzo ingabathengisa, ngelixa abo bafuna ukwandiswa bangabalondoloza. Ambalwa amashishini aguqule indlela yakhe, nangona enye yemifanekiso edumile kakhulu yi-Tootsie Roll Industries, ehlawule isahlulelo se-stock kunye nesabelo semali ngamnye ngonyaka kwizizukulwana.)

Umbuzo: Kuthetha ukuthini ukubuyisela kwakhona izahlulelo zakho?

Impendulo: Xa uphinde uhlawule izabelo zakho, kuthetha ukuba uthatha imali inkampani ikuthumela kwaye iyalima kwakhona ukuthenga izabelo ezininzi. Unokuba nefowuni yakho yokuthengisa i-stock yakho yenza oku kuwe okanye ungayibhalisela iprogram yokubuyisela inzuzo, okanye i-DRIP.

Ukuze ufunde kabanzi malunga nokubuyisela izabelo zakho, khangela la manqaku:

• Ukubuyisela iMilinganiselo Yakho ngokuchasene nokuHlawulela iiMahlulelo zakho
• Hlalani nisasaza iIziganeko Zakho!

Umbuzo: Iyintoni Inkqubo yokubuyisela i-Dividend Reinvestment?

Impendulo: I-DRIP yiplani exhaswe yinkampani evumela abantu ngabanye kwaye, kwezinye iimeko, iinkampani ezisemthethweni ezifana neenkampani okanye ezingenanto, ukuthenga izabelo zesitokethi ngqo kwiinkampani. I-DRIP ilawulwa yi-adjista yokudlulisa kwaye ihlala ikhupha kakhulu (kunye nakwiimeko ezimbalwa, ngokukhululekileyo) kunye neendleko zokurhweba nezolawulo.

Omnye umzekelo wehlabathi wangempela: I-Exxon Mobil ngoku ivumela abatyalo-mali ukuba babhalisele i-DRIP ukuba babeke i-$ 50 ngenyanga ngaphandle, bathathwe ngokukhawuleza kwangoko kwi-akhawunti yokutshekisha okanye yokugcina imali, kwaye bathenge amasheya kumhla okhethwe ngaphambili. Ihlawulisa into engekho nkonzo kwezi nkonzo; akukho mishini, akukho mali, akukho zindleko zonyaka. Ezi zinzuzo kwenkampani kuba iya kuvumela ishishini kugxininise kwizinto ezilungileyo ngaphezu kwemashumi eminyaka, kungekhona nje iintsuku, iiveki, okanye neminyaka.

• Izizathu zokuthandana iziCwangciso zokuThengiswa kweMida okanye iiRPIP
• Iiplani zokubuyiswa kwakhona, okanye i-DRIP, ingaba nguMhlobo wakho oMhle kakhulu

Umbuzo: Ndingafunda phi ngakumbi malunga neMida?

Impendulo: Ezinye zeziqendu ezidumileyo ebhaliweyo malunga neerhafu kunye nohlahlo lwabiwo-mali lunokufumaneka kule phepha leencwadi , elinika inqaku elifutshane. Ukongezelela, unokufuna ukufunda indlela inkampani inquma ngayo ukuhlawula igalelo layo .