Chii Chine Chikamu?

Dudziro Tsanangudzo uye Tsanangudzo yeVashambadzi Vatsva

Mubvunzo: Chii chinonzi Dividend?

Mhinduro: Chimwe chezvakanakisisa zvekuwana bhizinesi rinobudirira ndechokuti iwe unofarira mugove wako wepfuma chero ipi zvayo inogadzira. Kunyangwe iri kambani yemhuri yega yega yawakatanga kubva pane chimwe chinhu kana chikwata mumarudzi akawanda ehurumende iyo iwe unobata mukwereti yekwereti kana yekubvisa mari, apo imwe nyanzvi inosarudza kutumira mamwe emitero inotevera mushure mekunge yakabereka kwauri nenzira ye cheki kana kuti zvakananga mari, izvi zvinonzi chikamu.

Kuti udzidze zvakawanda pamusoro pezvikamu, ona zvinyorwa izvi:

• Zvikamu 101 - Muvambi weNhanho-Nhanho Maitiro Ekuti Mazvigaro Anoshanda Sei
• Chii chinonzi Kuparadzana Kuisa?
• Tarisa pa Total Return, Kwete Kungoti Imari Yakawanda
• Kugoverwa, Kufarira, uye Rents Ndicho chinhu chinokosha pakuvaka pfuma

Mubvunzo: Sei Kugoverwa Kunokosha?

Mhinduro: Zvikamu zvakakosha nokuti nheyo dzezvemari dzinotaura kuti fesheni dzose dziripo chete nokuda kwekubhadhara zvikwereti, zvimwe iye zvino kana pane imwe nguva mune ramangwana. (Kana kambani isingabhadhari chikamu chinowedzera kukosha, ndechokuti vatengesi vanotarisira kuti pane imwe nguva mubhadharo uchaitika kana vanotenda wechitatu, vachitarisira kukwanisa kugovera zvikamu mune imwe nzira kana imwe kubva bhizimusi, richawana iyo.Nokuti nekuda kwekubhadhara mitero uye nekuda kwekusava nehanya mune mutsetse wekuteresa, vazhinji vagoveri vanogoverana mazuva ano vanotora fomu ye "musuo wemushure" zvikamu zvinourawa sechikamu chekudzikinura zvigadziro .)

Munguva dzekukura nokukurumidza, makambani mazhinji haabhadhari chikamu, achida panzvimbo yekuchengetedza kubhadhara uye kuvashandisa pakuwedzera. Vadzidzisi vanobvumira bhodhi revatungamiri kugadzirisa purogiramu iyi nokuti vanotenda kuti mikana inowanikwa nekambani ichaita kuti zvikwereti zvakawanda zvikwereti mumugwagwa .

Imwe mufananidzo wakajeka ndeye Starbucks, yakakura yekakani yepasi pose. Kwemakumi emakore, vatungamiri vakarima peni imwe neimwe inogona kuzarura nzvimbo itsva. Pakangosvika pane imwe nhanho yekukura, neine mikana yenzvimbo shoma mukati meUnited States, yakaratidza chikamu chayo chekutanga.

Mubvunzo: Sei Vatengi Vakawanda Vokutengesa Vachifunga Nezvakagoverwa?

Mhinduro: Kufunga nezvezvikamu paunosarudza kuti ndezvipi zvikwata zvinowanikwa mumari yako yekutsvaga mari inopa mikana yakawanda.

1. Izvo zvose hazvigoneki mari yakaipa. Pamwe kambani inokutumira mari kana iyo haina. Zvizvarwa zvekutsvakurudza kwezvidzidzo zvakaratidza nguva nenguva kuti izvo zvinonzi "huwandu hwekuwana" kwemajesheni ekubhadhara zvikwereti zvakakwirira kudarika izvo zvisingabhadhari zvikamu. Nokufamba kwenguva, izvi zvinoreva kuti makambani ekubhadhara zvikwereti akaparadzanisa makambani asingabhadharisi kubhadhara.
2. Mugove wekugoverwa pane wekambani yekambani inogona kushanda sechiratidzo chekuita pasi kana kuperevedza.
3. Chikamu chekugoverwa chikwereti-chakanakira. Mhuri dzakawanda dzinogona kubhadhara 0% mukutengesa kwemitengo. Mhuri dzakawanda dzichabhadhara 15% kana zvishoma paZimbabwe. Vanhu vakapfuma zvikuru veAmerica vachabhadhara chikamu che23.8% muZimbabwe level.
4. Makambani akanaka ane nhoroondo dzekuchengetedza uye kuwedzere chikamu chavo kunyange munguva dzekudarika kwezvemari, zvichiita kuti vadzidzisi vafare nezvekudya, pokugara, uye zvipfeko kunyange pakati pemhepo dzemhepo. Tora imwe yenyanzvi blue chip stock, The Hershey Company, yakatangwa muma1800. Musi waJune 15th, 2015, yakagovera 342nd inotevera kugovera chikwereti kune vanochengetedza! Ndiyo makore e1 1/2 yekusambopotsa chimwe chechipiri chekuongorora. Yakatanga kuvabhadhara muna 1929 nguva pfupi isati yava nengozi yakawanda yezvemari mumakore 600 uye yakaramba iripo kubhadhara sezvo nyika yakaparadzana. Yakabhadhara zvikwereti pasinei nenyika inogara ichishandura; kuburikidza nehafu yezana-hondo, kutengesa kwenyika, kutengesa, kutonga kweMutungamiri weMutungamiri, kuurayiwa kweMutungamiri wenyika, kutyisidzira kwekugadzirisa nyukireya uye kukwikwidza kwemisasa yeCuban, kukundwa kwemakominism, mhirizhonga, kutambudzwa kwegandanga, mahooms, mabhasi, mabhutu, kutengesa, pasi kushaikwa kwebasa, kusakosha kwebasa, huwandu hwekodzero dzemagariro ehurumende, mhirizhonga, mhirizhonga, mwedzi kugadzika, nezvimwe zviitiko zvisingaverengeki mune zvekugadzirwa kwevanhu vose nokuti vanhu vachiri kuda kutora chocolate. Kwemakore gumi nemakumi apfuura chete, muganhu wegoverwa wakabva kubva ku $ 0.50 nehafu kune $ 2.14 per share, kuwedzera kwe 428%.

1. Munguva dzenhamo yezvehupfumi, muparadzi anogona kuumba maruva pasi pasi pezvitoro izvo zvinoita kuti zvirege kuwira kusvika kumakambani asina chikwereti kubhadhara. Ichi ndicho chikonzero chikamu chekugoverana chinowanzosara kudarika pamisika yebhebhe . Uyezve, zvikwereti zvinowedzera nguva inenge yakakodzera yekuvaka zvakare chikwata chako chekutevera mushure mekurasikirwa kunotyisa nekuda kwechiitiko chemasvomhu chakadzidzwa paWharton School of Business .

Mubvunzo: Chii chinonzi Dividend Ex-Date? Chii Chine Chikwereti Chinobhadhara Musi?

Mhinduro: Kana boka revatungamiri vekambani rakazivisa chikamu, richazivisawo "zuva rekare" uye "zuva rinotengwa". Zuva rekare ndiro zuva iro mabhuku ehurumende achaongororwa uye ani naani ane zvikamu zvezuva iro achawana chikamu ichi kubva pane zvavanenge vatora.

Kana iwe uchitenga chikafu zuva rakatevera mushure mezuva, iwe haugoni kuwana chikwereti chiripo chiripo, unofanira kutarisira chero ramangwana rako. Zuva rakabhadharwa ndiro zuva iro chikamu chinowanikwa kune veneti. Ndiyo apo iwe uchaona mari ichiratidzwa muakaunti yako yekutengeserana, kambani yebhangi, kana kuti ichazotumirwa kwauri kana iwe ukasarudza pepa chekuongorora.

Kuti udzidze zvakawanda pamusoro pemugovera wekare-rekare, ona zvinyorwa izvi:

• Ex-Dividend Date Tsanangudzo uye Tsanangudzo: Kunzwisisika Maitiro Ekare Akaparadzaniswa Kushanda .

Mubvunzo: Chii Chinonzi Kuwedzera Kwekutsvaga Muridzi?

Mhinduro: Muridzi wekutsvaga muparidzi ndiye munhu anonyanya kutsvaga kutenga zvigadzirwa zvine huwandu hwekukura zvakanyanya mugoverwa wakakwana pagoga. Semuenzaniso, kudzokera kumusangano wedu wekutanga we Starbucks, giant giyo rine chibereko chekugoverwa kwe 1.4% iye zvino. Izvozvo zvakaderera kusvika kune zvikamu zvinokonzera zvibereko (iwe unogona kuunganidza anenge 3.6% pamari yako nokutenga zvikamu zvehumburger titan McDonald's, zvakasiyana). Zvisinei, sezvo Starbucks ichiri kuwedzera nokukurumidza zvikuru, kunyanya kune dzimwe nyika, vatsvakurudzi vanotarisira kuti chikamu ichi chiwedzerwa pachiyero che17.5% pagore kwemakore mashanu anotevera. Zvinenge kuti pamagumo emakore mashanu, ketheni yekofi icharamba ichikura nokukurumidza kupfuura vamwe vakwikwidzana vakakura. Pakupedzisira, muridzi wekugara kwenguva refu ane makore gumi kana kuti kwenguva yakareba zvakanaka aigona kuguma kuunganidza zvakakwana zvachose kunyange zvazvo chibereko chokutanga chakanga chiri pasi kudarika mamwe mikana panguva iyoyo.

Kuti udzidze zvakawanda pamusoro pekupararira kwekupararira kwekugovera, ona zvinyorwa izvi:

• Kuita Mari neChiparidzi Kukura Kwekutsvaga
• Kugoverwa Kukura Kwemahombekheni Inogona kuuraya Kuda Kwekudzikinurwa Kwepamusoro
• Kugovera Kukura Kwemahomwe Kunogona Kuita Kutenga Kunoshamisa uye Kubata Investments
• Kuwedzera Kwakawanda Kwokukwanisa Kubhadhara Mari Inogona Kununura Makomborero Asingatarisirwi

Mubvunzo: Chii chinonzi Dividend Aristocrat?

Mhinduro: Mugovera anristocrat ikambani iyo S & P yakaratidza seyo yakakura chikamu chayo pagogiramu gore rega rega, pasina kukanganisa kana kunze, kwemakore 25 kana kupfuura. Izvozvo zvinoreva kunyange kana iwe usina kutotenga imwe mugove, wave uchingokura uye uchitarisa zvakanyanya sezvo bhizimisi rako rinotengesa zvakawanda zvezvingave izvo zvinotengesa; ice cream, zvinonhuwira, bleach, baby powder, jet injini, carbonated drink, kana chii chaunacho. Funga nezvazvo sechimiro chekutsvaga mari yemadzimambo; masangano akaita Sysco, McCormick, Clorox, naJohnson & Johnson.

Mubvunzo: Chii Chinonzi Kugoverwa Kunopa Muridzi?

Mhinduro: Mubhadharo wezvibereko zvekugoverana, kana kuti muparidzi wekugovera muchero wekugovera sezvavanowanzonziwa, mumwe munhu anotarisa kutenga mishonga ine zvikamu zvakakosha zvikuru zvibereko vanoona se "vakachengeteka", izvo zvinowanzoreva zvinoputirwa nezvimwe zvikamu zviduku zvekubhadhara- ku-kuwanikwa kana cashflow. Mumwe munhu anowira muchikoro ichi chekuchengetwa kwemapurisa angasarudza bhizinesi seAt & T kana Verizon, iyo inowanzopa 4% kusvika 6% muganhu unogona kukura pazvikamu zvishomanana zvepakati pegore. Munzira yakafara, iri sarudzo inonyanya kunzwisisika kune mumwe munhu anoda mari yakawanda yekusarura kumakore mashomanana apfuura ehupenyu sezvo zvikwata zvekugoverana zvikwereti zvinowanzorova kuparadzanisa kwekugovera zvikwereti .

Kuti udzidze zvakawanda pamusoro pekupararira kwekugoverwa kwekutsvaga mari, ona zvinyorwa izvi:

• Kuwana Inzvimbo Yakakwirira Kupararira Kubhadhara Zvikwereti zvePodfolio yako
• Chengetedza Chidimbu Kuunza Musungo
• Nzira Yokuverenga Kugoverwa Kwekugoverwa

Mubvunzo: Chii chinonzi Stock Dividend?

Mhinduro: Paunonzwa pamusoro pe "stock dividend", izvi zvakasiyana nedzimwe sarudzo. Izvi zvinoitika apo kambani yemamayari yakawedzerwa kugoverana kune vadzidzisi kubva pane imwe chiyero. Nenzira yepamusoro, kugoverwa kwezviyo kune rudzi rwebato chikamu. Zvakakosha kuziva kuti zvikamu zvezvikwata hazvizi maitiro ekuwana mari mumutambo wepanyama, asi kazhinji kacho chigadzirwa chepfungwa. (Nzara inokosha yevatengesi uye mutungamiri kuWarren Buffett , Benjamin Graham akanyora anenge anenge zana remakore rakapfuura yekubatsira kwekambani kubhadhara mari inoshandiswa nguva dzose, kunyanya kana yakachengetwa mahomwe uye isina kubhadhara mari inokonzera, kupa vashandi chiratidzo cheicho chezvinhu zvakachengetedzwa avo vaida kuti mari yavo igovatengesa, asi avo vaida kuwedzera vaigona kuchengetedza iwo.Zvino mabhizimisi akachinja nzira yake, kunyange imwe yemifananidzo yakakurumbira ndeye Tootsie Roll Industries, iyo yakabhadhara chikamu chemari uye mari inoshandiswa gore rimwe nerimwe kwezvizvarwa.)

Mubvunzo: Zvinorevei Kuti Udzorere Zvaunowana?

Mhinduro: Paunowedzera zvikamu zvako, zvinoreva kuti iwe unotora mari iyo kambani inokutumira iwe nekurima zvakare kuti uwane mamwe masangano iwe pachako. Iwe unogona kuva nekambani yako yekutengeserana kwekambani inoita izvi kwauri kana iwe unogona kusayina purogiramu yekugovera revestment, kana DRIP.

Kuti udzidze zvakawanda nezvekudzorera zvikamu zvako, ona zvinyorwa izvi:

• Kudzorera Zvikwereti Zvako Kurwisana Nekudzokorora Zvikamu Zvako
• Nguva dzose Udzokorore Zvikomborero Zvako!

Mubvunzo: Chii Chirongwa Chekugoverazve?

Mhinduro: DHIPI chirongwa chinotsigirwa nekambani chinobvumira vanhu uye, pane dzimwe nguva, masangano edzimhosva akadai semakambani kana kuti asingabatsiri, kutenga zvikamu zvezvitoro zvakananga kubva kune kambani. DRIPs inoshandiswa nehutengi wekutsvaga uye inowanzopa zvakanyanya kutengesa (uye mune dzimwe nguva, pasina pachena) kutengesa uye kutarisira mari.

Imwe mienzaniso chaiyo yepasi: Exxon Mobil ikozvino inobvumira vashandi vanoenda kunyoresa DRIP kuisa mari shoma se $ 50 pamwedzi pamunwe, kutorwa sekuzvidzivirira kwemwedzi mwedzi kubva kune chekuongorora kana kuchengetedza kero, uye kutenga zvigaro pamazuva akafanotaurwa. Inopomera zvisingatauri zvezvibasa izvi; kwete mahofisi, pasina mari, pasina mari yegore negore. Izvi zvinobatsira kambani nokuti ichaita kuti bhizimisi riongorore pane izvo zvakakosha pamusoro pemakumi emakore, kwete mazuva, vhiki, kana makore.

• Zvikonzero Zvokuda Kugoverwa Kwekugoverwa Zvirongwa kana DRIPs
• Zvigadziro zvezvezvekugoverwa Zvirongwa, kana DRIP, Zvinogona Kuva Shamwari Yenyu Yakanakisisa

Mubvunzo: Ndekupi Ndingazvidzidza Zvakawanda Nezvokugovera?

Mhinduro: Dzimwe dzezvinyorwa zvakakurumbira zvandakanyora pamusoro pezvikamu uye chikamu chekutsvaga mari inogona kuwanikwa mune ino peji peji , iyo inopa zvishoma zvinyorwa. Uyezve, unogona kuda kudzidza kuti kambani inotora chikamu chekubhadhara chikamu .