Umbuyekezo we-dividend, uchazwe ngaphandle kwamagama anzima
Umbuyekezo we-dividend uyinye yezinombolo ezicashunwa kakhulu ekutshaleni imali, futhi futhi iyinye yezingaqondakali kahle. Empeleni, iphendula umbuzo olula: dola ngamunye owufakile esheyeni namuhla, inkampani ikubuyisela imali engakanani unyaka wonke? I-Dividend Yield Calculator kuleli khasi iguqula lowo mbuzo ube iphesenti eyodwa bese ikhombisa imali engenayo eyingxenye enosayizi othile eyingakhiqiza. Lesi sihloko sihamba nifomula, izicupho, kanye nemibono ehlukanisa inani lombuyekezo elisizayo kunelikhohlisayo. Kuwulwazi hhayi iseluleko sezimali.
Ifomula
Isibalo sifushane:
Umbuyekezo we-Dividend = (i-dividend yonyaka yesheya ngasinye / intengo yesheya) × 100
Uma isheya lithengiswa ngo-50 futhi likhokha u-2.00 esheyeni ngasinye ku-dividend unyaka wonke, umbuyekezo ungu-4 phesenti. Phindaphinda ngenani lamasheya akho futhi usube nesilinganiso semali engenayo. Ingxenye enzima igama elithi unyaka. Izinkampani eziningi zikhokha ngekota (quarterly), ngakho ungahlanganisa izinkokhelo zezinyanga eziyishumi nambili ezedlule ukuze uthole umbono womlando, noma uphindaphinda i-dividend yekota yakamuva ngo-4 ukuze uthole isilinganiso sesikhathi esizayo. Umkhokhi wanyanga zonke uphindaphindwa ngo-12. Izindlela ezimbili zingase ziphambane uma inkampani isanda kunyusa noma inqamula i-dividend yayo, ngakho kubalulekile ukwazi ukuthi iyiphi indlela isicaphuno esiyisebenzisayo ngaphambi kokusithemba.
Qaphela ukuthi umbuyekezo uhamba ngokuphambana nentengo. Gcina i-dividend ihlala ifanayo bese uvumela intengo yesheya iyehla, futhi umbuyekezo uyanyuka ngokuqondile. Leli qiniso elilodwa lichaza ubukhulu bokudideka okulandelayo.
Umbuyekezo akulona umbuyekezo wonke
Umbuyekezo ulinganisa kuphela i-dividend yemali eyinsimbi. Ayisho lutho ngokwenzeka entengweni yesheya uqobo. Umbuyekezo wakho wonke yimali engenayo ye-dividend kwengeziwe (noma kususiwe) noma yiliphi ishintsho enanini lamasheya. Isheya elikhokha u-6 phesenti kodwa lehle ngo-20 phesenti entengweni likunikeze umbuyekezo wonke omubi kakhulu ngonyaka lowo, ngisho noma umbuyekezo obonakalayo ubukeka umkhulu. Ngokuphambene, inkampani ekhula ngokushesha ekhokha u-1 phesenti ingase ikulethele umbuyekezo wonke oqinile ngokukhuphuka kwentengo. Umbuyekezo uyingxenye yomfanekiso, hhayi umfanekiso wonke. Uphathwe njengenye impembelelo phakathi kwezinye kunokuba isikoro.
Kungani umbuyekezo ophezulu kakhulu ungaba yisexwayiso
Ngoba umbuyekezo unyuka njengoba intengo yehla, inombolo engavamile ukuba nkulu ivamise ukuba yiphawu hhayi isipho. Umbuyekezo ogxuma ngokuzumayo uye emiphumeleni emikhulu yesigigaba noma ngaphezulu uvamise ukuveza intengo yesheya emakethe ehlisile ngoba insola ukuthi i-dividend ingahlala. Abatshali abangenisa imali babiza lokhu ngesihibe se-yield: udonswa umbuyekezo omkhulu okuma ukunqamulwa ngemuva kokuba usuwuthengile, ukushiya nemali engenayo ephansi kanye nokulahlekelwa imali eyisisekelo. Umthetho olula abanye ababhali abawukhonza ukuthi imibuyekezo engaphezu kuka-6 phesenti idinga ukubhekwa eduze, hhayi ngoba inombolo ingekho emthethweni kodwa ngoba icela ukuthi uhlole ukuthi i-dividend iyiqiniso futhi ingahlala isikhathi eside. Qhathanisa umbuyekezo nomlando wenkampani uqobo kanye nabalingani bayo; inombolo ephezulu kakhulu kunazo zombili ingumbuzo, hhayi impendulo.
Isilinganiso se-payout, ngokufushane
Ukuhlola okusheshayo kunazo zonke sokuhlala kwe-dividend yisilinganiso se-payout: ingxenye yenzuzo (noma, kungcono, yemali engenayo emahhala) ephuma njenge-dividend. Isilinganiso esingaphansi kwango-60 phesenti ngokukhululekile sishiya isikhala se-dividend ukuthi iqhubeke ikhula ngisho uma inzuzo yehla kancane. Isilinganiso esingaphezu kwe-100 phesenti sisho ukuthi inkampani ikhokha okuningi kunalokho eyikuzuzayo, ixhasa umehluko ngezimali eziyingcebo, isikweletu, noma ukudayiswa kwezimpahla, okungavamile ukuqhubeka unaphakade. Izilinganiso ze-payout ezisekelwe emalini eziqotho kakhulu kunezisekelwe enzuzweni, ngoba ama-dividend akhokhwa ngemali, hhayi inzuzo yezimali. Umbuyekezo ophezulu ohambisana nesilinganiso se-payout esicindezelekile yisibonakaliso sesihibe esejwayelekile.
Umbuyekezo ngenxa yezindleko
Umbuyekezo wamanje usebenzisa intengo yanamuhla. Umbuyekezo ngenxa yezindleko usebenzisa intengo owakhokha ngempela. Uma uthenge ngo-25 futhi manje inkampani ikhokha u-2.50, umbuyekezo wakho ngenxa yezindleko ungu-10 phesenti nakuba umthengi omusha entengweni yanamuhla ephakeme ebona umbuyekezo wamanje ophansi kakhulu. Kubagcini bezikhathi ezinde bezinkampani ezikhulisa ama-dividend azo njalo, umbuyekezo ngenxa yezindleko ungakhula kakhulu eminyakeni. Kuyisilinganiso somuntu siqu esanelisayo, kodwa ungawusebenzisi ukuqhathanisa amathuba amasha; ekwenzeni izinqumo ezintsha, umbuyekezo wamanje kanye namathuba onke umbuyekezo yikho okubalulekile.
Ukutshala kabusha nokuhlangana
Ama-dividend awadingi ukuchithwa. Ukuwatshala kabusha, ngokuvamile ngokuzenzakalelayo ngohlelo lokutshala kabusha i-dividend, kuthenga amasheya amaningi, athenga ama-dividend awo, athenga amasheya amaningi futhi. Esikhathini eside lokhu kuhlanganisa kungabamba ingxenye enkulu yokukhula konke kotshalomali. I-calculator efanayo ekunikeza umbuyekezo ingahlanganiswa nezicabango zokutshala kabusha ukudweba ukuthi ingxenye ingakhula kanjani, nakuba imiphumela yangempela isuselwa ekushintsheni kwe-dividend nokunyakaza kwentengo okungekho calculator engakubikezela.
Ukuze uhlole kabanzi, bona amacalculator wonke noma uhlole amamakethe aphilayo amanani wamanje angenisa kunoma yimuphi umbuyekezo owubalayo.
Imibuzo evame ukubuzwa
Ngibala kanjani umbuyekezo we-dividend?
Hlukanisa i-dividend yonyaka yesheya ngasinye ngentengo yesheya yamanje bese uphindaphinda ngo-100. I-dividend engu-2.00 esheyeni elingu-50 inikeza umbuyekezo ongu-4 phesenti.
Ingabe umbuyekezo we-dividend ophakeme uhlala umuhle?
Cha. Umbuyekezo ophezulu kakhulu uvamise ukuveza intengo yesheya ewayo kanye ne-dividend imakethe elindele ukuthi izonqamulwa. Njalo hlola ukuhlala ngaphambi kokuphatha umbuyekezo ophezulu njengokuhle.
Yini umehluko phakathi kombuyekezo nombuyekezo wonke?
Umbuyekezo ulinganisa kuphela i-dividend yemali eyinsimbi mayelana nentengo. Umbuyekezo wonke wengeza ushintsho lwentengo yesheya, ngakho umbuyekezo ophezulu ungasho ukulahlekelwa uma intengo yehla.
Isiphi isilinganiso se-payout esibhekwa njengesivikelekile?
Abatshali abaningi bafuna isilinganiso se-payout esingaphansi kwango-60 phesenti ngokukhululekile. Ngaphezu kuka-100 phesenti kusho ukuthi inkampani ikhokha okuningi kunalokho eyikuzuzayo, okuvamise ukuba isexwayiso.
Yini umbuyekezo ngenxa yezindleko?
Yi-dividend yamanje yonyaka ihlukaniswe ngentengo owakhokha ngempela, hhayi intengo yanamuhla. Ingakhula ngokuhamba kwesikhathi kubagcini bezikhathi ezinde bezinkampani ezikhulisa ama-dividend azo.
Ingabe kufanele ngitshale kabusha ama-dividend ami?
Lokho kuya ngemigomo yakho. Ukutshala kabusha kuthenga amasheya amaningi athenga ama-dividend awo, okuhlanganisa ukukhula ngokuhamba kwesikhathi, kodwa kuwusinqumo somuntu siqu hhayi incomo.