The Dividend Dilemma Vose Vatsva Varimi Vanofanira Kutarisana
Imwe yemibvunzo inonyanya kukosha yaunosangana nayo sezvo mutyairi wekutsvaga ndeyekuti iwe unofanirwa kupedza zvikamu zvaunowana kubva mumatanda ako pane zvinhu zvakadai semotokari, zororo, kana mari yekugara gore negore, kana kuti iwe unofanira kuidzorera ivo kuti vawedzere mberi. Chisarudzo chaunosarudza chichava nemagumisiro makuru pamatare ako okupedzisira akakodzera, uyewo kufara kwaunoita iwe kubva mumusha wako munzira.
Kuti ikubatsire kuwana ruzivo rwezvokutengeserana, zvinogona kubatsira kutarisa muenzaniso chaiwo wehupenyu hwekambani inobudirira. Nokufunga nezvezvakanakira zvekuita chisarudzo ichi, tariro yangu kuti iwe unenge wakagadzirirwa zvakanakisisa kusarudza nzira ipi inoshanda kune huwandu hwemahofisi iwe unoisa pamwechete kubatsira mhuri yako kusvika kune zvinangwa zvemari.
Imari MuKoca-Cola Kupfuura Kwemazana Makore 50 Asina Zvigadziriswa Zvadzorerwa
Ndakatonyora imwe nyaya yakatarisa kudzoka kwaiita muteresi aigona kuwana mumakore makumi mashanu adarika ainge aisa $ 10 000 muzvikamu zveThe Coca-Cola Company pakati pemuna waJune muna 1962. Nguva yakaongororwa yakavharidza hafu yezana remakore, kana imwe yekuisa mari muupenyu. Kutevera mubvunzo pamusoro pemigumisiro yekuparadzanisa reinvestment pamusana pokudzoka kwekupedzisira, ndakadzoka zvakare nhamba (unogona kuwana nzira uye manotsi munyaya ino).
Kutsvakurudza kwangu kwakaratidza kuti iwe ungadai wakwanisa kuwana zvikamu 131 zveCoke stock pa $ 76.50 payo mugove muna 1962.
Pakazosvika June we2012, iwe uchange uine zvikamu 6 288 pamusana pezviyero zvakapatsanurwa, kutengesa pa $ 77.44 pagawo rimwe, kana $ 486,943 panzvimbo yose. Vari munzira, iwe ungadai wakaita sarudzo yekodzero ye $ 136,271. Saka, $ 10 000 yakashandurwa kuva $ 613,214.
Mashoko akanaka? Zvigumisiro zvako zviri nani zvikuru kupfuura zvazviri nokuti zvikomborero zvingave zvakapa simba rakawanda rokutsvaga.
Funga kuti $ 1 iri mugavi yemari inobhadharwa muna 1962 ingatenga zvakanyanya kudarika $ 1 mugoveri wemari nhasi. Somuenzaniso, kwegore rose ra1963, iwe ungadai wakaunganidza $ 353.64 mumari inowanikwa. Icho ndicho chakaenzana ne $ 2 652.04 mushure mekugadzirisa zvekutsvaga .
Kuisa hutano nemaonero: Kunyange mushure mekutengesa mitero, uchifunga kuti wakanga uri nemhuri yemhuri yevabereki vaviri uye vaviri kana vatatu vana, mari yeCoca-Cola muganhu ingadai yakapa mari yakawanda kuti iwane zororo rakapfuura paWalt Disney World makore matatu ose , yakabhadharwa muhomwe. Mumakumi mashanu emakore iwe wakachengetedza sengo, iwe ungadai wakanakidzwa nenguva yezororo yemhuri ye16 kana 17, kurumbidzwa kwezvikamu zvako zveCoke. Pamusoro peiyo, iwe unomuka kuti uwane $ 486,943 mumakondohwe eCoca-Cola akagara muakaunti yako yekutengeserana , iyo inokonzera $ 12,827.52 mugore roga roga mari dzinowanikwa iwe gore negore.
Izvozvo hazvina kunaka nokuti haufaniri kuita rimwe zuva rebasa mushure mekuita kuti kutanga kwekutsvaga kwekuita zvakare muna 1962! Chimwe chisarudzo chakanaka ne $ 10 000 uye iwe wakagamuchira 16 kana 17 kushamisa mhuri dzezororo, vane madhora madhora mazana mashanu emakumi mashanu akagara mune imwe nhoroondo, uye vanogamuchira chekuita anenge madhora 13,000 pagore musati mutero, vose vasina kumbobvira vakabata zvikamu zvekutanga zveCoca-Cola.
Icho ndicho chibudirira chekutsvaga mari. Icho chirevo chekuti simba rinowedzera sei rinogona kuva kana iwe une pfuma yakakwirira. (Tangotaurira pamusoro pekugadzirwa kwebhuruu yakadai seCoke) Fungidzira kana iwe wakanga waita mari yekutanga seMicrosoft, Apple, Home Depot, Wal-Mart Stores, Cisco Systems, Dell, kana Southwest Airlines. , kana kwete makumi emamiriyoni, emadhora.)
Imari MuKoca-Cola Kupfuura Kwemazana Makore Makumi Makashanu Makapiwa Nezvakagoverwa Zvadzorerwa
Mubvunzo unoramba uripo: Ko kana iwe wakadzorerazve zvikwereti izvozvo? Ko kana iwe wakambofanirwa kufara kwemhuri nguva dzose makore matatu uye, panzvimbo pacho, wakawedzera kuwandisa kwako mubhazinesi? Kuti ndipindure mubvunzo iwoyo, ndakapura spreadsheet itsva mumba mangu kudzidza uye ndakatarisa makore makumi mashanu emabhadharo uye nhamba yematengo data yeThe Coca-Cola Company.
Mhinduro yako: Zvikamu zvako zvekuChoke, zvakatengwa muna 1962, zvaizokura zvikamu zvinokwana 21,858 zvikamu muna 2012. Kukosha kwemusika kwaizova pakati pe $ 1,700,000 uye $ 1,800,000, uye mari yako yegore yega yega inenge inopfuura $ 42,000. Zvose zvepfuma iyo yakabva kune imwechete $ 10,000 mbeu yakasimwa shure panguva iyo John F. Kennedy aive mu White House.
Reinvest Zvikamu Zvako kana Kwete: Mhinduro
Ungada here kuti unakidzwe ne $ 136 000 + mumari pamwe chete nerwendo, uye wakatora mazororo gumi nematanhatu nemhuri yako, kana iwe ungada kuva ne $ 1,100,000 kana nhasi, pamwe chete ne $ 30,000 mune mari yakawanda yemari yemari inowanikwa neayo?
Ndinovenga kuti ndiwe wokuputsa iwe, asi hapana "chakarurama" kana "chakashata" mhinduro. Kunyangwe iwe uchidzorera mari kana kwete zvichienderana nemamiriro ako, zvinangwa zvako, zvinangwa zvako, unhu hwako, uye iwe unoda mari. Kuve mudiki, gweta rakabudirira kana mumiririri ane mari yakawanda yekuwana mari yaaigona kupa chero mhuri yake yaidiwa, kudzorera zvikamu zvingave zvakanyatsogadzirisa. Nhasi, sekusununguka, angave achifara kuti akaita sarudzo iyo sezvo akaverenga $ 42,000 mumari yakapinda nepamukova gore rimwe nerimwe kurumbidzwa kweAtlanta-based soft soft drink. Kune rumwe rutivi, wechidiki, mudzidzisi anotambudza uyo akaisa mari inogona kunge yakanyatsova nani kubva kushandisa mari yekunakidzwa munguva yose yeupenyu hwake nokuti kushandiswa kwemafambi emhuri iyoyo kwaizopfuura kudarika kushandiswa kwepfuma yakawanda nhasi. Akangopedzisira aine madhora mazana mashanu emadhora mazana maviri emari yake yekwereta uye $ 12,000 mumari yegore negore kubva kune zvikamu zvake. Sei uchigunun'una? Icho chikonzero chikuru.
Pakupedzisira, chinangwa chako hachisi chokufa nemutengo wakanakisisa wakakosha . Chinangwa chako ndechekufa nekushandisa mari sechigadzirwa kuitira kuti zvikupe mufaro nekuchengeteka iwe unogona kunge wakatarisira. Pasi payo? Pasinei nokuti iwe unowedzera zvikamu zvako kana kuti uripedze, usatsamwa pamusoro payo. Funga izvi kuburikidza nekufungisisa uye kugutsikana neipi nzira yaunosarudza. Mari yako yekutsvaga mari ndeyekushumira iwe. Usambokanganwa izvozvo.
Kuparidzirwa Kugoverwa Kunogona Kubatsira Kuita Mararamiro Okurasika Nokukurumidza
Kutsvakurudza kwepurofesa Jeremy Siegel pamakakatengesi emabhizimisi emakambani kwakaratidza kuti kudzorera zvikwereti zvako panguva yemakakoni kukanganisa kunogona kuita kuti uwanezve mari yako yakawanda inokurumidza zvakanyanya kudarika iwe unogona. Verenga pamusoro pezvaakawana munyaya inotevera: Chakavanzika Chokuwanazve Kurasika KwemaTorosi .