Mutungamiri weMutangire kune imwe yeAkare-kare uye Inowanikwa Mukushambadzira Kwedzidzo
Kunyange zvazvo yakasiyana nedzimwe nyanzvi, ruzivo rwekupararira kwekuparadzanisa nzira rinowanzoreva kusanganiswa kweizvi zvinotevera:
- Kuvaka sangano remakambani makuru anowedzera zvikamu zvavo muzinga rakaenzana kana kuti zvakanyanya kudarika kuwedzera kwegore negore.
- Kubata pazvigaro kwenguva yakareba, kazhinji makumi emakore, kushandisa zvakashata mitero yakarambidzwa sezvo inobvumira mamwe mari kukushandira iwe, izvo zvinoreva kuti zvikamu zvakawanda zvinokonzerwa kunze kwemhuri yako.
- Kuparadzanisa kune mamwe mashizha nemakambani kuitira kuti chikamu chako chekuparadzanisa hachina kutenderera pane imwe nzvimbo yezvemari yakafanana namafuta, kubhengi, kana kumigodhi.
- Kuita kuti huwandu hwekuparadzanisa huve huripo huripo nemari yakakwirira yepurogiramu chaiye, kwete kuwedzera-chikwereti chikwereti.
- Kuva nekodhi yematokari kubva kunyika dzakasiyana-siyana kuitira kuti iwe uwane zvikwereti mune mari yakawanda kuderedza kuvimba nehurumende imwechete.
Kana iwe uchida mufananidzo wekuona zvakakosha kukura kwezvikwata zvinotaridzika, tarisa kuSwitzerland chirume chikuru cheNestle, icho chakawedzera mari inokonzerwa kubva ku 0.10 CHF nechikamu kune 2.30 CHF per share (kubva munaOctober, 2017) pamusoro pezvishoma makumi emakore. Mumwe mutengesi asina kumbobvira atenga chimwe chikamu chechimwe chezvikwata kunze kwekutenga kokutanga chave chave chichiwedzera mari yakawanda yemari yakamupa kubva kune mugove wehafi, tei, chokoti, pizzas yakaomeswa, ice cream, mwana wekukura, chikafu, chinopenya mvura, uye kate zvokudya zvinotengeswa munenge munyika dzose pasi.
Iyo yakanaka kuona kuona. Ndicho chikonzero chekuti ndiri pedyo nguva dzose mumutengo wemutengo weNestle uye ndakatarisira zvizere, pasina mamiriro asina kuitika, kuti ini nomurume wangu tichabva tizosiya zvikamu izvozvi kuvana vevana vedu mune mari yekutenda inorambidza kutengesa kwavo.
Ngatitorei nguva shomanana kuzokurukura zvimwe zvezvinhu zvinonakidza izvo zvikamu zvinokonzera kukura kwevatengi vanoshandisa.
Kuenda kuGuta Guru Kupfuura Net Present Value Zvikamu
Fungidzira iwe une chisarudzo pakati pekutenga mabhizimisi maviri akasiyana. Ndezvipi zvaungada kuti iwe pachako uwedzere chikwereti?
- Stock A ine mugove wekugoverwa we 3.00%. Bhodhi revatungamiri rave rakaita nhepfenyuro yakawedzera chikamu che 5% pagore uye muganhu wekubhadhara muparadhiso iye zvino uri pa 60%.
- Shamba B ine mugove wekugovera we 0.50%. Kambani iri kukura nokukurumidza kusvika pakasvika kuti 20% + inopinda mu diluted EPS haina kumbojairika mumakore mashanu akapfuura. Chikamu chinowanikwa nguva dzose chinowedzera zvakakodzera. Iko parizvino ine chikamu chekubhadhara chikwereti che 10%.
Kana iwe ukatevera chikamu chekutsvaga kwekutsvaga mari, iwe unenge uchienda kusarudza Stock B, zvimwe zvose zvakaenzana. Zvinogona kuoneka se-counter-intuitive asi iwe unopedzisa kutenga mari yakawanda yegorovheti chekutsvaga kuburikidza nekuitora iwe kupfuura iwe uchatora Stock A, zvichipa kukura kunogona kuchengetwa kwenguva refu yakakwana nguva.
Sezvo mari yaunowana ichikwira, uye chikamu chacho chinowedzera pamwe chete nemari, zvibereko zvako-pa-mari zvinotanga kuwana kambani inowedzera kukura. Ikoko pachava nechinangwa apo bhizimusi rekutanga rinosvika pakukwanisa kwayo zvizere uye zvizhinji zvezvakawanda zvinokonzerwa gore roga roga hazvigone kunzwisiswa zvakare. Apo nguva iyoyo inosvika, mugoveri wezvigaro zvehutano achadzorera mari yakawandisa kuvaridzi kuburikidza nekushandura ma spigots uye kutumira mari iri kunze kwemukova nenzira yezvakagoverwa kana kuti kutenga mabhesi .
Nhoroondo, mabhizimisi akadai seMcDonald's naWal-Mart anopa zviitiko zvakanakisisa zvidzidzo. Mumakore okutanga, apo makambani aya aifamba neUnited States (uye gare gare, nyika), zvikwereti zvakabhadhara zvakanga zvisina kunyanya. Zvisinei, dai waitenga chikafu, iwe ungadai wakanga uchiunganidza huwandu hwakakwana hwekugoverwa kwezvikwereti pamari yako kubva mumakore mashanu kusvika ku8 zvichienderana nenguva.
Kana iwe ukazarura pepanhau zvakare mumakore ekuma1970 kana 1980, kutarisa chete chikwata chekutengesa, iwe ungadai wakashaya chokwadi ichi chinokosha, usati watenga kana musimboti nokuti vaigara vachiri pasi-kubvuma (pakutanga pameso) kuwedzera-kukura chip chip matokisi .
Kukura Kunoratidza Chirongwa Chine Utano Hwakanaka (uye Nhamba Yekuchengeteka)
Ndeipi mamiriro ezvinhu angakubvumira kurara zviri nani usiku: kuva nekambani inogona kukubhadharira chikamu chiduku nhasi asi iri kunakidzwa nekutengesa kwepamusoro uye purogiramu gore roga roga kana kambani inokubhadhara chikamu chikuru nhasi uye iri kuona zvishoma, zvichida , inopera mumabhizimisi ayo makuru? Kana iwe uchinzwa kuti pane chidimbu chekudzivirirwa kuwedzerwa mubhizimisi rinobudirira, unogona kuda kufunga nezvesarudzo iyi yekutsvaga.
Kune humwe huchenjeri mune iyi nzira. MuUnited States kunyanya, bhodhi revatungamiri haigoni kuwedzera chikamu kana vakatenda kuti vachazofanira kutendeuka nekuchicheka. Nokudaro, kuwedzera kwechikwata chezvikamu kune imwe nheyo yegovero kazhinji kunomiririra kuvhota kwevimbiso kubva kune vanhu vane zvimwe zvekusvika kwepedyo kudhesi yemari uye bhadha . Hazvisi benzi - kunyange varume nevakadzi vanobudirira vanogona kukwanisa kusarudzwa panzvimbo yakadaro yakakwirira havakwanisi kuzvinyengera apo inokodzera ivo pachavo kufarira - asi chiratidzo chinonyanya kuwanda kupfuura kwete.
A Free, Fomu-Fomu Yakanakira Kuendesa Pasina Kutengesa Zvako
A trailing stop order ndeye rudzi rwekutengeserana iwe unogona kupinda muhofisi yako yekutengeserana iyo yakagadzirirwa kuvhara muzvikwereti sezvo sengo inofanirwa. Kana iyo mutengo wematengo inofamba yakakwirira, nzira yekumira inogadzirisa inogadzirisa pachake kuitira kuti kana mutengo wemugove unowira neimwe chiyero kana imwe chikamu, zvikamu zvako zvinoshandiswa. Sezvandakatsanangura mukubatanidza uku:
Fungidzira iwe wakatenga zvikamu 500 zveHershey pa $ 50 mugove. Mutengo wezvino we $ 57. Iwe unoda kuvhara mari inenge $ 5 yemari yega yega yega yawakaita asi unofarira kuramba uine chikwata, achitarisira kubatsirwa nekuwedzera kwekuwedzera. Kuti usangane nechinangwa chako, unogona kuisa mararamiro ekumisa kwekutsvaga nekumisa kwema $ 2 per share.
Nenzira inoshanda, hezvino ndizvo zvinoitika: Urongwa hwako huchagara pamabhuku ako ehurumende uye huchigadzirisa hunoenda kumusoro sezvo mutengo weHershey inowanzoshamba. Panguva yaunenge uchitarisa kumira iwe, mutengesi wako anoziva kutengesa HSY kana mutengo unowira pasi pe $ 55 ($ 57 yemari yemusika ikozvino - $ 2 kutsvaga kukanganisa = $ 55 mutengo wekutengesa).
Fungidzira Hershey inowedzera zvishoma kusvika kune $ 62 per share. Iye zvino, kuraira kwako kwekutsvaga kwekutsvaga kwakangoerekana kuchienderera mberi uye kuchashandura kurongwa hwemusika pa $ 60 yekutengesa mutengo ($ 62 ikozvino mutengo wemari - $ 2 trailing stop value = $ 60 per share kutengesa mutengo). Izvi zvinofanira kupa huwandu hwekuwana mari ye $ 10 mugove wega kunze kwekunge kune imwe rudzi rwekuregererwa kwechiitiko kana kuderera kwechimbichimbi mubhadhiro (semuenzaniso, mutengo unogona kuenda kubva ku $ 62 nehafu kusvika kune $ 40 mugairo usina kumboyambuka $ 60 pasi pemamiriro ezvinhu akanaka; rakarasikirwa nevakawanda vatsva vatengesi).
Kugovana kwematokari kune chinhu chakasiyana-siyana mukuti chikamu chekugoverwa chinoumba pasi rakaderera pasi pezvikamu. Kunyange zvazvo isiri semhedziso sekumisa kwekutsvaga, chero bedzi chikamu ichi chinonzi chakachengeteka - kureva kuti, pane zvishoma zvingaitwa nebhodhi rinofanira kucheka kana kuzvideredza - pane chinangwa apo mugove wegoveri unova saizvozvo kunyengedza maererano nezvingawanikwa pamabhengi emabhangi, misika yemari, kana zvisungo, izvo vatengesi vanowanzopinda mumusika uye vanotora mari yekubhadhara mari, vachidzivisa kupera. Semuenzaniso, kana iwe uri muongorori wemhepo uye iwe unoziva kuti maitiro emafuta makuru ezvo akachera chikamu chake chaive chakanyanya, asi chakanyanya, asi chikafu chakaramba chichiwira kusvika apo chikamu chakanga chichizadza 8% munyika inosvika 0% , hazvibviri iwe iwe, uye vanhu vakaita sewe, vachagara pasi uye vaite zvikamu zviwe kusvika pavanenge vachizopa 20%. Nenguva refu isati yasvika iyo, iwe, vatengi vako, wako waunoshandira, mhuri yako, uye wese wakakupoteredza uyo anonzwisisa yehupfumi huchasvika kuhokeri uye kutanga kutenga.
Kana uchida kudzidza zvakawanda nezvechiitiko ichi, ndinowedzera pamusoro pehurukuro mune imwe nyaya inonzi Nei Zvikwereti Zvokubhadhara Zvikwereti Zvichida Kuwira Pasi Pakati Pekutakura Makambani .
Chengetedza Zvese Zvese Zvaunenge Uchiwana Pasingaiti Zvazvinogona Kuguma muZvitsa Mitero
Kunyange zvazvo kugoverwa kwemazuva mashoma kunokonzerwa nevatengi vekuwana mari yakaoma, kuwedzera huwandu hunobudirira hwehuwandu hwemitero kuFederal level kubva 15% kusvika ku23,8%, kusagadzirisa mari inowanikwa kubva kugoveri kukura kwezvikwata zvinokonzera mari yakawanda inogara muhomwe yako kupfuura vakawanda kufanana nekutsvaga mari. Izvi zvinonyanya kuitika kana paine chido chekuda kufanana nenharaunda iyo maitirwo emitengo yekuchengetedza inokwezva; somuenzaniso, kuenzanisa nhoroondo yekare mushure mebhadharo yemari inosvika $ 1 mumari inowanikwa kubva kune chikamu chekugoverana mari kusvika ku $ 1 mubhadharo kubva kuzvisungo zvekambani, zvikwereti zvekuisa mari, mari yemakethe yemari , mari yemari yemari, mari yemari yemari , kuongororwa kwekambani, ruzivo rwekutengesa ndarama, sirivha , zvimwe zvinhu, kana zvikwereti, mari yepensheni, nezvimwewo.
Sezvakakosha, nhengo dzezvikwata zvakachengetwa munyaya dzakawanda, mabhizimisi ekubhadhara mari anokweretesa anofarira mari yakawedzerwa-yepamusoro kana iwe uchifa uye ukavaisa kune ivo vagari venhaka. Izvozvo zvinoreva kana iwe wakatenga $ 10,000 zvigaro zve Starbucks paIAPO uye ukaiona iyo inosvika $ 750,000, kana iwe wapfuura, kwete chete vana vako vanoenda kunowana nhaka yemutero-pasina (kana iwe uri pasi pemutero wemutero ), Hurumende neHurumende huchavabvumira kuti vaite sokuti vakabhadhara $ 750,000 nokuda kwayo. Izvozvo zvinoreva kana vakazvitengesa madhora 750 000 nhasi, havazobhadharwi mutero mukuru .