Chikonzero nei Vatsva Vashandisi Vangave Vachida Kufunga Kuve Nezvokugovera Zvitoro
Pane zvikonzero zvakawanda zvekuti nei izvi zvichiitika asi iine simba rakakwana rakakwana iro vatengi vemazvikoro vakazviitira zvakanaka ivo pachavo pamusoro pekutsvaga hupenyu huripo nekuisa pfungwa pazvikamu zveparadheti, kunyanya imwe yenzira mbiri - kugovera chikamu , icho chinotarirwa kuwana diversity portfolio of companies that have raised their dividends at rates over the average and dividend yield , which focuses on stocks that give much higher than average average dividend yields as measured by the dividend rate compared to the price market.
Ini ndakanga ndava kushanda mushure mekuendesa kambani itsva yekuchengetedza mararamiro mhuri yangu iri kugadzirisa gore rino uye, pasinei nepo 3:46 mangwanani, handina kugadzirira kuenda kunorara. Ndakafunga kuti zvingava zvakanaka kugara pasi kwechinguva uye kuputsa zvikonzero zvishanu zvinokonzerwa nezvikwereti zvinonakidza kune varairi vanoisa mberi nguva refu pfuma yekuunganidza.
Tarisiro yangu ndeyokuti nekukupa chinangwa chekutanga, iwe unogona kunzwisisa mamwe masimba ari kutamba; kushandiswa kwevanhu, kubhadhara, mabhizimisi ekutengeserana, uye mumusika wekutengesa zvose zvinoungana nenzira inogona kubvumira muzvinabhizimisi ane njere kuti anakidzwe nemisasa yemari inoshandiswa kubva kune zvake.
Cash Flow Zvibvumirano Zvawanikwa muChris Accruals
Kunyangwe zvingangove zvishoma mangwanani munyaya kuti ikurove iwe neyiyu, ndinoda kutanga nekutaura pamusoro payo kutanga nokuti ndiyo yandinofunga sekurukuru. Kazhinji, vatengesi havafariri chaizvo kudzidza pamusoro pezvigadzirwa zvepamusoro zvemari kana kupinda muchitemo chemari kana bhadharo .
Kunyange zvakadaro, ndiwo mwoyo uye mweya wekutsvaga mari.
Mushure mezvose, bhizinesi rinozopedzisira rakakodzera kukosha kwekukozvino kweko kwekuderedzwa kwemari inoyerera iyo inogona uye ichazadzirira veneiri vayo. Zvechokwadi, painokoshesa kambani kana chikwama, varimi vakawanda vezvemari vanoshandisa fomu yekushandurwa pasina mari yekushambadzira panzvimbo yehuwandu hwemari inoshandiswa inoshandiswa kune yakajairika .
Mune mhaka yangu, maitiro angu anongoda ndiwo chimwe chinhu chinozivikanwa semuridzi wemari.
Kambani inobhadhara chikamu inofanirwa kubuda mumuviri nemari iyo vatengesi vanogona kugamuchira; mari iyo inotumirwa kwavari mupepa chekuongorora mapepa, zvakananga kuiswa muchengeti yavo yekuongorora kana kuchengetedza kana kutumirwa kune avo vatengesi kuti vape mukambani yavo yekudhinda .
Sezvo shoko iri richiti, "iwe haugone kuisa mari". Zvimwe chikamu chinoratidzika kana hachiiti. Izvi zvinokonzera kukonzera makambani anopa mari kune zvikwereti kuva nechezasi zvinonzi zvinowanikwa kunze kwekusununguka kwemari uye mari yakawanikwa.
MuchiShona zvakajeka, izvo zvinoreva kuti pane zvishoma zvinonzwisisika zvinogadziriswa mumabhuku ekugadzirisa ehurumende kuitira kuti "huwandu hwekuwana" hupamhi mune kuti zvikwereti zvakabhadharwa zvinowirirana nechekuchengetedzwa kwakarongwa kusunungurwa kwemari. Icho chiri chokwadi chakasimbiswa kuti, kwenguva yakareba kwenguva refu, makambani ane zvikwata zvakaderera anorova makambani ane accruals yakakwirira kana achienzaniswa nekudzoka kwenyika .
Kuenda-Kuenda Cash Kuzvipira Kuderedza Mari
Vatongi nevatungamiriri ndivo vanhu chete. Kana mari inotanga kuungana mune zvakasara, varume nevakadzi vakawanda vanozviwana vachitarisana nevanoramba vachimanikidzwa kuti vashandise, kunyange kana vakashandisa zvingava kukanganisa kana kutungamirira kune zvishoma.
Kune avo muCorporated America, apo iyo inoshandisa yakazvipira kune kubatana uye kuwanikwa, inogona kuguma mune nzvimbo huru uye yose inouya neyo, kazhinji sarudzo dzinoshandiswa, zvigadziriswa zvayo, mari yakakwirira, mabhonasi, mari yepensheni, uye, zvichida, kunyange parachuti yendarama.
Pamusoro pese uye muchikwata, makambani anobhadhara chikamu ane mutsara wekutanga wekuvakwa-inoculation mukuti vanhu vanoita bhizimisi havangove nemari yakawanda varipo sezvo ivo vangadai vakave vasina kana pasina chikamu panzvimbo.
Izvi zvinoreva kuti vatariri vanofanira kunge vari kunyanya kusarura pavanosarudza vanogona kuyanana pamwe nekuwana zvavanoda kunze kwekuti vangadai vaifanira kunge vari munyika ine mari nyore. Chimwe nechimwe chinangwa chinofananidzirwa uye chinopesana kune vamwe chete nemishonga yakanakisisa yakasarudzwa uye "mirairo" chete inorambidzwa.
"Ita Zitsigiro" Munguva yekutengesa kweAsa Market
Fungidzira kuti uri kutarisa shato inoshandisa $ 100 mugove. Iye zvino, fungidzira kuti chikwama chinopa chikamu che3%. Iyo kambani pachayo inoshamisa zvakasimba. Makomborero anovhara chikamu chakanaka uye iyo inowanikwa inobva kune zvakasiyana-siyana zvinobva kune zvinyorwa kuitira kuti pave nemikana shoma shoma yekuparadzaniswa. Zvino, fungidzira kuti misika yemabhizimisi inotanga kuparara. Iyi kambani inowira ku $ 90 mugove wega, $ 80 mugove, $ 70 per share. Inoramba ichienda, ichidzika kudarika $ 60 per share, $ 50 per share.
Pane imwe nguva, kana chikamu ichi chiri chekuchengeteka uye vatengesi vanogutsikana kuti ichazochengetedzwa, mugove wegoverwa pamusiyo pachayo pachako unofadza chaizvo zvokuti unounza vatengi kubva kune imwe nzvimbo, vanhu vangave vasingakwanisi kumira kuti vaone anobereka ipapo ipapo pamberi pavo pasina kuita chimwe chinhu pamusoro payo. Funga kuti iyo chaiyo ye $ 3 per share dividend inenge iri 6% mugove wekugoverwa kana iyo yekutengesa iri kutengeserana ne $ 50 mugove pane. Izvi zvinotsanangura kuti nei zvikamu zvekugoverana zvinowanzosara zvishoma pamisika yebhebhe .
The Return Return Accelerator Phenomenon
Asi hazvisi zvose. Izvo zvibereko zvinotsigira zvinotungamirira kune chimwe chiitiko chakange chichidzidzwa nechemekedzwa Wharton purofesa Dr. Jeremy Siegel, iyo yaanodana kuti "Dzorerai Accelerator" kana kutakura muchengeti wemusika. Chaizvoizvo, vatengesi vanowedzera zvikwereti zvavo vanowedzera zvimwe zvikamu pamusika wekutengesa zvinoputsika sezvo mugove wekugoverwa kuwedzerwa kunovabvumira kuti vashandise hutano hwakakwana negawaniro rega rega rega vanodzosera mubhuku ravo kana kuti chikamu chekugadzirisa rekugadzirisa chirongwa . Sezvatakakurukura munyaya yangu yakadzika pamusoro pekutsvaga mari mumafuta emafuta, ndicho chimwe chezvikonzero izvo makambani emafuta, sekirasi, akaita zvakanaka kwazvo kupfuura yevheji yezvakakosha yeS & P 500 yekodhi yemakisi yeruzhinji zvakare apo yakatangwa muna 1957.
Muzvokwadi, Dr. Siegel akaratidza kuti kuipa kwakanyanya kuwedzera, zviri nani kuti mutengesi wenguva refu aite! Chikonzero chacho chine chokuita nemathematics. Izvo zvakaderera zvinokosha zvekubhadhara kwekutengeswa kwega kwega kwega, inokurumidza kuenzanisira kuyerwa kwemari inokonzerwa nheyo yose yezvinodhaka zvinodhaka uye zvinowanzogoverana nemurimi wekutsvaga anozvipira izvo, ivo pachavo, vanobhadhara zvikamu. Izvi zvinoreva kuti zvinotora kuwedzera kukura zvishoma - zvechokwadi zvakanyanya kudarika nzvimbo yapfuura yakarambidzwa - kuwana nzvimbo munzvimbo inobatsira.
Zvitoro Zvokugovera Zvinopa Mafungiro Akawanda Akakosha Kune Dzimwe Mhando dzevanhu
Sezvo baba vekukosha kwemari, Benjamin Graham, akambonyora, "Mari chaiye mukutsvaga inofanira kuitwa - sezvo yakawanda yakave yakambove - kwete kunze kwekutenga nekutengesa, asi pasina kubhadhara uye kuchengetedza zvigumisiro, kugamuchira kufarira uye zvikwereti, uye kubatsirwa nehuwandu hwekuwedzerwa kwekuwedzerwa kwekukosha. "
Kana iwe uine kambani inoparadzira imwe yenharo yayo muchimiro chemari inokonzera mari, inova nyore kwazvo kutarisa pane zvinhu zvakakosha se " kutarisa kubudirira "; kuti uite ukama pakati pekubudirira kwebhizimisi uye iwe uri kutora maoko ako pane imwe yemari yakapfuura kuburikidza nemari yekambani.
Zvinogona kuita kuti iwe uwedzere kurwara, uchitarisa kuti kana kuti kwete chikamu chako chekuona chekuwana chiri kukura nekuwedzerwa nguva, kunyanya kukanganwa iyo inotorwa pamusika kukosha kwemashamba. Izvi, zvakare, zvinogona kukutungamira kutenga uye kubata zvikwereti , kuderedza kusagadzirisa mari , kuwedzera mikana yako yekushandisa zvinhu zvakadai semitero yakaderedzwa yemitero , uye, pakupedzisira, yakasimudzirwa .
Inogona kunge isinganzwisisi shanho huru asi, munyika chaiyo, inogona kureva kusiyana kwekukundikana nekubudirira. Chimwe chezvinhu zvakanyanya zvakavanzika zvemabhizimisi emabhizimisi zvakafanana ndezvokuti hazvifariri zvikuru kushaya simba.
Zvingave zvakasununguka Anne Scheiber achikwereta $ 22 Mamiriyoni kubva muimba yake yeNew York kana muchengeti wemari shoma-soro saRonald Reed achiunganidza $ 8 mamiriyoni muzvikwereti kuburikidza nezvikwangwani zvepapeti neDDIPs, vanowanzowana makambani akasiyana-siyana, zvakasiyana-siyana kuitira kuti vadzivise ngozi, ndokubva vabata sezvinonzi upenyu hwavo hunotenderera pairi.