Kuverenga kukosha kwepfungwa dzeSvondo dzakasarudzwa

Kuverenga kukosha kwepfungwa dzeZvesa zvakakosheswa Zvakajeka

Kukoshesa chikwata chaidiwa ndechimwe chezvinhu zvakaoma iwe unogona kudzidza, ndicho chikonzero ndinoda kuidzidzisa kune vashandi vatsva vasati vadzidza mari. Iyo iri nyore nyore kunzwisisa-mazano ndiyo imwe yausingazove nedambudziko rekuyeuka, rega kuverenga. Nzira yakanakisisa yekukuudza nayo ndeyokudha nechokuita nemamiriro ekufungidzira kuitira kuti ugone kuona kuti masvomhu anobata sei. Tora chigadziro uye regai titange.

Fungidzira kuti iwe unotenga zvikamu 1 000 zvemashekodhi anodiwa pamadhora zana ega yega yega yekushambadzira kwema $ 100,000. Chikamu chimwe nechimwe chezvikwata zvinoshandiswa chinopa $ 5 chikamu , zvichiita kuti 5% mugove wekugovera ($ 5 chikamu chegore negore chakakonzerwa ne $ 100 inoshandiswa mutengo wematengo = 5% mugove wekugovera). Izvozvo zvinoreva kuti iwe unotora $ 5,000 mugoveri wemari pamari yako ye $ 100,000 inowanikwa gore rimwe nerimwe. Nokuti ikozvino, ngatizvifananidze kuti iyi ndiyo maitiro akarenda ematokari anonyanya kushandiswa uye kwete imwe yemhando dzakasiyana, shanduko inoshandiswa inoshandiswa .

Pasinei nokuti unozviziva kana kwete, iwe une chaicho chinozivikanwa sechigarire, iyo inowirirana yebhadharo yakaenzana inobhadharwa nguva dzose pasina zuva rokuguma. Pane chimiro chisinganzwisisi chekukoshesa nguva dzekupedzisira uye zvigadzirwa zvekukura zvinonzi Gordon model, kana kuti Gordon dividend discount model. Chirevo ndechokuti: k ÷ (ig). Iko "k" kushanduka kwakaenzana negoveri yaunowana pane yako inoshandiswa, "ini" ndiyo mubairo wekudzoka iwe unoda pane iwe wekutsinhanisa (unonzi "kuderedzwa"), uye "g" ndiyo kukura kwechidimbu.

Heano zvimwe zvakakosha kukosha kwezvikwata zvinosarudzwa:

• Kana iyo yakasarudzika stock dividend ine 0% yekuwedzera uye iwe wakanga uine mubairo waidiwa wekudzoka we 10%, iwe unenge uchitora $ 5.00 ÷ (0.10-0). Izvo zviri nyore kusvika $ 5.00 ÷ 0.10 = $ 50.00. Izvi zvinoreva kuti, kana iwe uchida kuwana 10% yemari yekudzoka, iwe haungakwanisi kubhadhara mari inopfuura $ 50.00 pamusana weganda raidiwa. Chero mutengo wakaderera kupfuura $ 50.00 huchaguma mukudzoka kwakakwirira.

• Kana iyo yakasarudzika stock dividend yaiva nehuwandu hwekuwedzera kwe3% pagore uye iwe wakanga uine chidimbu chekudzoka kwe7%, waizoverenga $ 5.00 ÷ (0.07-0.03). Nhanho inotevera ndeye $ 5.00 ÷ 0.04 = $ 125.00. Izvi zvinoreva kuti, kana iwe uchida kuwana 7% pamusana wekutsvaga kwekutsvaga uye chikamu chinowedzera pa3% nokusingaperi, unogona kubhadhara $ 125.00 purogiramu yekurova kudzoka kwako. Kana iwe uchibhadhara kupfuura izvozvo, kudzoka kwako kuchave kwakadarika 7%. Kana iwe uchibhadhara zvishoma, kudzoka kwako kuchave kwakakwirira kudarika 7%.

Kuwedzerwa Kunofadza Kukosha Kwepfungwa Kuchengetedzwa kweChito

Chimwe chidimbu chemukati wehuwandu hwemhando yakakosha ndeyekuti iwe haugoni kuva nekukura kwekuwedzera kunopfuura kudhura kwemaji kana kuti yako calculator ichadzoka kukanganisa kana kuratidzika kusingapfuuri. Chikonzero ndechekuti kugara kwenguva refu kunotarisirwa kugara nokusingaperi; kubva ikozvino kusvikira Doomsday. Kana chiyero chekukura chinopfuura chidimbu chaidiwa chekudzoka, kukosha kwekutsvaga kwechikoro kunongopedzeresa nokuti hazvinei pasinei nemutengo waunobhadhara kutenga yako, iwe rimwe zuva ucharova chiyero chekudzoka uye kuchipfuura. Zvinogona kutora makore makumi matatu kana mamiriyoni mazana matatu emakore asi masvomho haafaniri kuva nehupenyu hwevanhu!

Zvimwe pane iyo inofadza, apo iwe uri kutarisana nevanilla yakachena, mhando yakasarudzwa inoshandiswa, izvo chaizvoizvo zviripo kune iyo.

Iwe zvino unoziva kuverenga kukosha kwemukati wematokari anonyanya kuda. Makorokoto! Shandisa simba rako idzva nekuchenjera uye utange kushanda pane urongwa hwematokisi aungada kufunga kuwedzera pane yako pikodini .