Chii chinonzi DRIP Nhoroondo?
Chikumbiro chenhoroondo yeDDRIP ndechokuti iwe unovhura neine mutengesi wekutengesa zvigadzirwa kana zvimwe zvinotsigira sangano rezvemari pane nzvimbo yekutengesa mutengo .
Nekodhadhi yeDDRIP, unogona kugadzirisa maitiro ezvinyorwa, zvekare zvekutenga kuitira kuti mari ibudiswe kubva pakubvunzurudza kana kubhengeta kwevhiki yako, mwedzi, kana rokutanga, uye wakashandiswa kutenga zvikamu zvezviyo mubhizimisi rawakasarudza vanoda kuve muridzi.
Yakawanda DRIPs inotungamirirawo zvirongwa zvekutenga zvigadzirwa, zvichikubvumira kutenga zvikamu zvekambani zvakananga kubva mubhizinesi. Sekuwedzera bhonasi, makambani mazhinji haatengi mutero kana kuti mari yekubhadhara nguva dzose. Avo vanoita, vanobhadhara mari shoma shoma (semuenzaniso, $ 2.00 pamitambo), vachikubatsira kuti uwedzere mari yako yakawanda inounza zvikamu kwauri.
Haisi chakavanzika chokuti ini ndiri mufambi wekushandisa kweCDIPs mune imwe nzvimbo yemahofisi. Munguva yakapfuura, ndakanyora nezvekuti mhuri yangu yakadzidzisa sei mukoma wangu muduku kudarika pakuisa mari kuburikidza nekushandisa hurongwa hweKote-Cola hwekutengesa zvitsva. Pandakatanga bhizinesi rangu rokutanga, takasunungura maDOCIP zvinyorwa zvine zvigadzirwa zvebhuruu chip stocks , zvakadai seProter & Gamble naJohnson & Johnson.
Ndine shamwari neshamwari dzine DRIPs dzemabhizimisi avo, mafekitari anodikanwa, kusanganisira mabhenji emunharaunda, mishonga inoshambadza, vanotengesa mabhizimusi, uye mapuranga ekugadzirisa zvokudya.
Ne DRIPs, Iwe Unogona Kureva Hakuna, Zvimwe, kana Zvose Zvaunoparidzirwa
Kunze kwebhadharo yavo shoma kana kuti kwete-purogiramu yemishandiro, ruzivo rukuru rwekuparadzanisa Reinvestment Plans ndivo vanokupa zvitatu zvokusarudza kuti uwanezve zvikamu zvako:
- Dzorera zvachose zvikamu zvako zvepa dividend mari kutenga mamwe magoveri ematoro mukambani (zvichida, kuti uwane mamwe mararamiro mune ramangwana)
- Paritially dzorera zvikamu zvako uye utumire zvakasara kwauri kuburikidza nechitoro kana zvakananga kuisa muakaunti yako yekuongorora kana kuchengetedza. Iwe unogona kuisa muzana iwe pachako. Semuenzaniso, "Ndinoda kudzorera 70% yemugove wangu wemari uye ine 30% yakasara yakaiswa zvakananga mubhengi rangu rebhangi."
- Gadzirisa zvachose zvikamu zvose zvaunowana, kana nokubudisa cheki kana kuti nebhadhiro yakananga kubhengi yako yebhangi.
Kana ukashandura pfungwa dzako vhiki, mwedzi, kana kunyange makore mashomanana gare gare, iwe unogona kuchinja nzira iyo zvikomborero zvako zvinorapwa nenzira nyore nyore. Pashure pehupenyu hwose hwekuponesa nekutsvaga mari, iwe unogona kudana nhengo yekutumira, kuzadza mapepa mashomanana, uye enda kubva kugoverwa yakazara repvestment kusvika kugoverwa kwekugovera zvizere, kugamuchira cheki yegove yako yekambani inobhadhara mari. Kuti uzviise pachena, kana iwe uine zvikamu 10 000 zveKoca-Cola wawakanyatsozvivakira nekuisa zvimwe zvebhadharo yako pabasa rako rose, muna 2017 unogona kutarisira kuunganidza $ 14,800 mumari inowanikwa. Sezvo Coke achibhadhara chikamu chegore rimwe chete, iwe unogona kuzarura bhokisi remakadhi uye unogamuchira $ 3 700 reko rega mwedzi mitatu, katatu pagore.
(Iwe unenge uine mutoro wekubhadhara mutero we 15% wemugovera panguva iyo nyaya ino yakabudiswa). Hapana nhamba yematengesi. Hapana zuva rimwe nerimwe zvinyorwa. Iwe unogamuchira chirevo chegumi nechina chinoratidza yako wega wega wekambani, chikwereti chako chekuwana mari, chero zvimwe zvekutenga, kutengesa, kana kudzorerazve kwawakaita, uye cheki (kana iwe uchida kuti mari yako yawanikwa iwe).
Izvo zvinonzwisisika zviri nyore, ndicho chikonzero iwe usingambove wakambonzwa munhu anokurudzira DRIPs. Mabhandi nevatengi havagoni kuita mari. Izvo zvakaenzana nekuenda zvakananga kumugadziri uye noku-kudarika doro. Iwe unowana zvose zvakachengetwa.
Ndeapi Ndeapi Avo Vanoita Mari Vanofanirwa Kufungisisa DRIPs muPodfolio Yavo?
Kune vashandi venguva refu vanoda kusarudza mabhizimisi makuru emabhizimisi, vanovatora kwenguva yakareba kwazvo, vadzorera zvikwereti zvavo, uye nguva dzose vachiwana humwe huri huzhinji, DRIP inogona kunge iri mari yakaderera, nzira yakanakisisa yekuenda nayo.
Pane zvipingamupinyi zvishomanana, asi ndinofunga izvi zvakakosha. Semuenzaniso, haugoni kukwereta pamuganhu uchipikisana nematokari akachengetwa munyaya yeDRIP uye haugone kutengesa nokukurumidza (unofanira kutamba kana kuzadza mapepa kuti utange matanho, anogona kutora kusvika mazuva mashomanana), asi ayo kuita sekudzivirira kuzvidzivirira pakurangarira kwenguva pfupi.
Mazhinji makambani makuru anopa DRIPs. Kuti uone kana bhizimisi raunokuudza iwe raifarira kutenga kune chirongwa chakadaro, sidza rutsigiro rwehutano hwevatengesi kana chengetedza chikamu chehutano wevatengesi webhusaiti yehutano. Iwe uri kutsvaga chikwata chinonzi prospectus , icho chinotsanangura mari uye mari.