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Historical Shift Kubva kuCash Dividends
Munhoroondo yose yemakambani makuru emari, vatengesi vose zvavo vakaita sekutenda kuti makambani aivepo chete nekuda kwekupa zvikamu kune vadzidzisi. Mushure mezvose, kuisa mari ndiyo nzira yekuisa mari nhasi kuitira kuti ichaita mari yakawanda iwe nemhuri yako munguva yemberi; kukura mubhizinesi hakurevi chinhu kunze kwekunge kuchigadzirisa kuchinja mune mararamiro ako kana nenzira yezvinhu zvisiri izvo zvinhu kana kuzvimirira mari. Zvechokwadi, paiva nemuenzaniso unoshamisa - Andrew Carnegie, somuenzaniso, kazhinji aipikisa Bhodi reVatungamiriri kuti varambe vachibhadhara zvikwereti zvishoma, panzvimbo yekudzorerazve mari muzvivako , michina, midziyo , uye vashandi.
Dzimwe dzimba dzepamusoro dzemhuri dzomumhuri dzave dzakasangana nematambudziko emagetsi pamusoro pesarudzo inoparadzanisa . Kazhinji une avo vanobatanidzwa mubasa rezuva rega rebhizimisi kune rumwe rutivi vanoda kuona mari ichienda mune mari yekukura, uye kune imwe, avo vanongoda cheki dzakawanda kuti dziratidze mune tsamba.
Mumakumi emakore achangopfuura, kushanduka kubva kune zvikamu zvakagadzirwa. Chimwe chikamu chiripo chekodhi yemitero yeUnited States, iyo inofanirwa kuwedzera mamwe 15% emitero yezvikamu zvakabhadharwa kune vagovani vemabhizimisi (kusati kwasvika Bush administration, mutero uyu wakanga wakakwirira semunhu akapedza kudzidza mutero - mune zvimwe zviitiko zvinodarika 35% pamusangano wehurumende chete) . Yakabatanidzwa nekugadzwa kwekutonga 10b-18, yakapfuudzwa neCongress muna 1982, kudzivirira makambani kubva kumatare kwekutanga, kuparadzirwa kwakapararira kunogona kuitwa kunze kwekutya kwemigumisiro yepamutemo. Somugumisiro, vazhinji vakakurumbira Bhodhi revatungamiri vakaita sarudzo yekudzorera mari yakawandisa kune vagovani vemabhizimisi kuburikidza nokudzikinura mashizha nekuiparadza, zvichiita kuti zvikamu zvishomanana zvive zvakanyanya uye kupa mumwe wega wega mugove mukuru wehuwandu hwemabhizimusi mubhizinesi. Funga kuti muna 1969, chiyero chekubhadhara chikamu chemakambani ose muUnited States chaiva 55%. Muna Mbudzi 2000, S & P 500 chikamu chekubhadhara chikamu chinokonzera nguva yose ye 25.3%, maererano nekatsva yakagadziridzwa yeThe Intelligent Investor. Dzimwe nhamba dzemazuva ano dzinotaura nyaya yakajeka zvakare: Maererano na Standard and Poor's, mugore ra2005, S & P 500 yakaunza mari yakawanda ye $ 634 mabhiriyoni uye yakabhadhara mari yemari ye $ 201.84 mabhiriyoni pamusika wekutengeswa kwema $ 11 triliyoni.
Imwe inofungidzirwa naLegg Mason inoratidza kuti kugoverana kwegore kunosvika mamwe $ 250 mabhiriyoni, zvichiita kuti kudzokera kwakakwana kune vashandi vemadhora anosvika madhora 451 mabhiriyoni, kana 71% emari.
Zviviri Zvikuru Mazano Okugovera Kudzikinura
Kugovera kuregererwa inzira yakawanda inobhadhara mitero yekudzorera mari kune vashandi venyika nokuti hapana mutero wezvekubhadhara mari kunyange zvazvo huwandu hwehuwandu hwehuwandu hwehuwandu hwebasa huri kuwedzera, zvichiita kuti zvigone kuwedzera mari uye mari inowanikwa pamigove yako kunyange kana mutengo wekutengesa kana zvikwereti haambowedzere. Zvisinei, kune dambudziko rimwe rinogona kuderedza mitsara iyi, kushandura kununura kusinganyanyi kukosha:
- Kana chikamu chekudzikinura chiri kupera apo sangano rekambani rakapfuurirwa, vagovanesi vanokuvadzwa. Iko, chaizvoizvo, yakafanana nekutengesa mu $ 1 mabhiridha kwe $ 0.75, kuparadza kukosha.
- Kana hurukuro huru yezvikwata kana zvikwereti zvezvikwereti zvichipiwa kune vashandi nevatungamiri, kuregererwa kuchaita, kana zvakanakisisa, kusagadzirisa maitiro avo asina kunaka pamubhadharo wakaderedzwa wega wega . Nhamba chaiyo yezvikamu zvakakosha hazvizoperi. Muchiitiko ichi, kugoverwa kwekugoverana kungongova kungwara kwekutsinhanisa mari kubva kune vagovana kune hutungamiri.
Zvitatu Zvikuru Mazano KuCash Zvikamu
Pane zvipo zvitatu zvakakosha kugoverwa kwemari izvo zvisingakwanisi kuwanikwa kuburikidza nekudzikinurwa. Vari:
- Pfungwa dzepfungwa, mari inowanikwa inogona kuve yakakosha zvikuru kune vashandi. Chimbofungidzira, kwekanguva, mudzidzisi wekuchikoro akapedza basa achigara mumba mune maguta ane chikwereti che $ 500,000. Kana iye akaiswa muzvikwereti zvose zvakachengetedza mari yavo yose uye / kana kuti zvidzikinurirwa zviyo, guru guru rekumusika ra 20%, kuumba kurasikirwa kwepapavara, kunogona kumubata (hazvifanirwe - kuti mamwe mashoko averenge sei) Kufunga Sei Nezve Share Prices ). Kana iye aizotora mari muzvikamu zvinokonzerwa nemari inobhadharwa nemugove wekugoverwa kwekugoverwa, ichiti, 4%, kurasikirwa kumwecheteko kungadai kusingamuvhiringidzi nokuti aizodedzwa ne $ 20,000 mari yemari inosvika yakatumirwa kune tsamba gore negore. Mune mamwe mazwi, kugoverwa kwebatsiro kuchaita kuti iye, achiziva kana kwete, aite zvakanyanya sebhizimisi rebhizimisi kuwana danda mubhizimusi rega pega kune munhu anotarisana nekutarisana nekutengesa kwemusika. Nechando, zvinomera zvemafuta zviri muruoko rwake, anokwanisa kumubhadhara zvikwereti paanenge achimirira kushaya kwepanguva pfupi yaMarch Market.
- Chido chekugara uchichengeta mari yakakwana kumativi ose ega kuti kugovera zvikwereti kune vashandi vanoita kuti makambani varambe vachichengetedza zvidzidzo zvekuchengetedza zvinyorwa, vachiyeuchidza vatungamiri vekuti varipo kuti vape hupfumi kune vene bhizinesi - kwete kungoita kuti umambo hwavo huve hukuru. Izvi zvinowanzoita kuti kudzivirirwa kwemahodhi makuru emari kusimbiswa izvo zvisingabvumirwi kuputirwa neAdrenaline anozadza CEO kunzwa kunetseka kubva kuWall Street ku "kuita chimwe chinhu." Kazhinji, zvinoratidzika sekuti chiito chekusarudza ndechokudya kudhura kunodhura, kuparadza chikwereti kukosha.
- Zvose zvese zvakaenzana, makambani anobhadhara mari inokwana haazovi nehuwandu hwehuwandu hwekuderera mumisika yebheya nokuti mugove wekugovera unoshanda sechidziviriro chekuchengetedza. Kazhinji, kana mari inobhadharwa zvakanaka, inoshandiswa nebhizimisi yekuchengetedza inowira kuitira kuti chikamu ichi chikwanise 15%, Wall Street ichazoziva kubhadhara uye kubvisa zvikamu. Kana mari yacho yakasara pamabhadharo, varimi vanoita sevanoramba kumira mukati uye kushandisa zvakanaka mamiriro acho ezvinhu nokuti hapana hurumende yekugadzirisa ichapa mari yacho zvakanaka.
Chirevo Chekupedzisira paCash Zvigadziriswa vs. Kugoverwa Kwekugovera
Ndeipi mhinduro yekupedzisira: chii chiri nani, mari inowanikwa kana kugoverana? Kufanana nemibvunzo yakawanda, mhinduro yacho ndeyekuti, "zvinodaro." Kana iwe uri mubhadhari anoda mari mari yaunofanira kurarama kana kuti anoda kuve nechokwadi kuti iwe, pane kutarisira, unogona kupa mari yakawanda, ungasarudza zvikamu. Kana kune rumwe rutivi, iwe unofarira kutsvaga kambani iyo yaunotenda zvechokwadi inogona kuunza mari yakawanda kuburikidza nekudzorera mune bhizinesi rinogona kuwana yakakwirira kudzoka pahutano nechechi pachikwereti, iwe unogona kunge wakasimba kuti kutenga kunowanikwa. Chenjerera, zvisinei, uye uone kuti pakuguma kwezuva kambani inogona kubudirira zvakanyanya kana zvimwe zvinhu zviri munzvimbo, pasinei nehuwandu huwandu hwekuverenga. Starbucks, somuenzaniso, akawana kuwedzera kukuru kwezvikamu zvakasimbiswa munguva iyo yave iri kambani inotengeswa pachena. Izvo zvikamu zvakakurudzira vashandi kuti vabatsire kuvaka bhizimisi uye zvakaguma nehuwandu hunobatsira uye kukura kwevashandi vekutanga vekambani. Wal -Mart , kune rumwe rutivi, akachengetedza (kupatsanurwa akachinjwa) kugoverana kugoverwa kugoverwa uye mumakore achangopfuura kwaderedza nhamba yezvikamu zvakakosha apo iine kukura kwakakwirira nekubhadhara chikamu chemari - inomira sega seimwe yezvikamu zvakakwana mumugwagwa weWall Street.
Zvingangodaro, maitiro e hybrid achasarudzwa nevatungamiri, vakadai seKeep Depot ; imba yekuvandudza imba yakadzoka kudarika zvikamu makumi matanhatu kubva kuzana makumi matanhatu kubva kune makumi matanhatu kubva kune makumi mashanu kubva kune makumi mashanu kubva kune makumi mashanu kubva kune makumi mashanu kubva kune makumi mashanu kubva kune makumi mashanu kubva kune makumi mashanu kubva kune makumi mashanu kubva kune makumi mashanu kubva kune makumi mashanu kubva kune makumi mashanu. Panguva imwecheteyo, iri kuwedzera nheyo yezvitoro uye kuwana mabhizimisi pamativi ekugovera emhizha.