ʻOiai eʻimi pinepine nā meaʻimi kālā eʻimi ana i ka puʻu kālā kālā i nā huahana kiʻekiʻe loa, aia kekahi mau kumu'ē aʻe e noʻonoʻo ai no ka loaʻaʻana o ke kālā maikaʻi loa.
No kā mākou papa inoa o ka hapanui o nā kālā kālā, hoʻokomo wale mākou i ke kālā me ka ukuʻole i nā kuhi kālā .
No kekahi poʻe kālā kālā,ʻaʻole paha he mea kānalua no ka hoʻokaʻawaleʻana o nā kālā e hoʻolilo ana i kā mākou papa inoa ma waena o nā hui kālā kālā, Vanguard a me ka Pono .
No ke aha e hoʻolimalima ai i nā kālā kāleka?
Nui nā kānaka kūʻai e kūʻai i nā'āpana hoʻokaʻahele a iʻole kālā kālā hoʻokaʻawale no ke kumu o ka loaʻaʻana o kahi kahawai o nā kālā e loaʻa mai ana mai nā uku hoʻokaʻawale, kahi e hana mauʻia ma ka hapahā. Mālama kēia i nā kumu kālā no ka hoʻolālā kūpono no nā mea kālā i hoʻomahaʻia.
Eia nō naʻe, koho kekahi mau mea kālā e hōʻoki i nā mahele, i kekahi manawa i kapaʻia he māhele hoʻohālike puʻuwai, aiʻole DRIP paha. Ke hoʻohanaʻia nā puʻupuʻu, e hoʻohanaʻia nā māhele e kūʻai i nā kuleana hou o ke kumukūʻai, ma mua o ka ukuʻana i ka mea kālā.
ʻO kekahi poʻe waiwai kālā e like hoʻi me ka hoʻohanaʻana i nā dālā kālā e uku ana i nā waiwai o ka hoʻolālā kālā kahi eʻoluʻoluʻole ai ka waihona kālā . Eia kekahi laʻana, inā he haʻahaʻa ka huina kālā a he kūlana maikaʻi ka maikaʻi o ka hoʻopiʻi kālā, hiki i nā kālā pilikino ke emi iho ma mua o ka uku kālā.
10 Pūʻulu Dividend nui no kēlā me kēia kālā
ʻO kēia mau kālā hoʻokaʻawale mai Vanguard a me ka Ponoʻole he uku kumukūʻai, kālā kālāʻole. Eia nō naʻe, heʻanoʻokoʻa keʻano o nā kālā, aʻo kēlā me kēia mea e hoʻopiʻi pono i nā mea waiwai. Ma ka'ōlelo kūikawā, eia ke 10 o ka uku kūpono maikaʻi no kahi kokoke i nā mea hoʻokomo kālā.
- ʻO ka'Āina Kū'ēʻo Dividend'Oke (VIHIX) he pūnaewele i mālama ponoʻia e hilinaʻi ana i ka FTSE AW o ka'Alahui Kūlana kiʻekiʻe kiʻekiʻeʻo US, he helu helu pilikino ia e 800 mau waihona o nāʻoihana honua e manaʻoʻia ana e loaʻa ka puʻuwaena o kaʻoihana kiʻekiʻe hua. ʻO ka VIHIX ke hoʻolaha nei i kaʻikeʻana i nāʻoihana waiwai a me nāʻoihana i waho o ka US. ʻO ka hoʻokumu mua loaʻana e kūʻai iā VIHIX he $ 3,000 aʻo ka'enekele hoʻolālā he 0.42 pakeneka a he $ 42 no kēlā me kēia kālā $ 10,000.
- ʻO ka Vanguard High Dividend Index (VHDYX) he mea kūpono no nā mea waiwai e nānā nei i nā kālā i kēia manawa me nā hua kiʻekiʻe no nā kumukūʻai. ʻO ke kōpili waiwai nui nā kumukūʻai koʻikoʻi koʻikoʻi o nā hui maʻAmelika Huipūʻia nāna e uku i nā uku kiʻekiʻe e like me nā hui like. ʻO ka lālā hoʻolālā no VHDYX he haʻahaʻa haʻahaʻa loa he 0.15 pakeneka a he $ 15 no kēlā me kēia $ 10,000 i hoʻolakoʻia, aʻo ka kūʻai mua loa he $ 3,000.
- ʻO ka Vanguard Utilities Index (VUIAX) ke nānā aku nei i nā mea kūʻai i loko o kaʻaha lawelawe, kahi iʻimi nuiʻia no kāna mau uku kiʻekiʻe. Aia nā paʻapili paʻapili i nā kālepa nui o ka US ma nāʻoihana lawelawe, e like me Duke Energy Corporation (DUK) a me Southern Co (SO). ʻO ka lālā hoʻolālā no VUIAX kahi maikaʻi iki o 0.10 pakeneka a $ 10 paha no kēlā me kēia $ 10,000. Eia naʻe, e hoʻomanaʻo i kēia hāʻawi kālā hoʻokahi i hāʻawiʻia ma Vanguard Admiral ka papahele'āpana, a he $ 100,000 i kūʻai muaʻia. ʻAʻohe kūʻai iki aku no ka version ETF o ka waihona (e like me: VPU), e like me ia ka uku hoʻolālā hoʻokahi.
- Mālama maikaʻiʻiaʻo Vanguard High-Yield Corporate Fund (VWEHX); no laila,ʻaʻoleʻoe eʻike i kekahiʻano ETF o kēia waihona. Mālamaʻia ka waihonaʻoiaʻiʻo i nā koina liʻiliʻi iʻikeʻia, iʻikeʻia hoʻi he mau peni hao, akā,ʻo ka luna o kēia kālā eʻimi ana i nā mea iʻoi aku ma kahi kiʻekiʻe o ke koina kūpono e like me kaʻawelike o ka waihona kālā. No laila, hiki iāʻoe ke'ōlelo,ʻo nā paʻa i VWEHXʻaʻole i like me ka "junky" e like me nā kālā pilikino'ē aʻe - hiki i nā mea kūʻai ke loaʻa nā huaʻai me ka nuiʻole o ke kūpono i ka hoʻohālikelikeʻia me kekahi kālā nui. ʻO ka lālā hoʻolālā no VWEHX he 0.23 pakeneka aiʻole $ 23 no kēlā me kēia $ 10,000 i hoʻolakoʻia, aʻo ka kūʻai mua loa he $ 3,000.
- ʻO Vanguard High-Equity Tax-Exempt Fund (VWAHX) kahi waihona kālā likeʻole e hiki ai ke hāʻawi i ka waiwai i ka manawa e hoʻokuʻu iki ana i kaʻauhau. Ma muli o ka paʻaʻana i nā kālā paʻa o kaʻahahui,ʻaʻole i ukuʻia ka uku ma ke aupuni pekelala. ʻO ka poʻe kūʻai kālā e hoʻolimalima i kaʻauhauʻauhauʻauhau e like me VWAHX, he mau mea nui loa ka loaʻaʻana o nā kālā pilikino. ʻO nā lilo no VWAHX he 0.19 pakeneka wale nō a $ 19 paha no kēlā me kēia $ 10,000 i hoʻolakoʻia, aʻo ka kūʻai mua loaʻana he $ 3,000.
- ʻO ka Vanguard Real Estate Index (VGSIX) he ala maikaʻi loa no nā mea kālā e loaʻa ai ka komoʻana i kaʻoihana waiwai, iʻikeʻia no kāna uku kikowaena likeʻole aʻo ka waihona kālā kekahi o nā mea maikaʻi loa e kūʻai i kēia papa. ʻOiai ka hikiʻana o ka hului piʻi nui e hoʻokau i ka hopena no ka hoʻokele waiwai waiwai, e hiki ke mālama i nā kumu kūʻai no nā mea kūʻai a me nā mea kūʻai hale. ʻO ka uku no ka VGSIX he 0.26 pakeneka, aiʻole $ 26 no kēlā me kēia $ 10,000 i hoʻolakoʻia.
- ʻO ka Fidelity Equity Income (FEQIX) kahi waihona paʻa e hoʻokumu i ka hana maʻamau akā, iʻoi aʻe ma luna o kaʻoihana. ʻO ka waihona kālā ka hapa nui o nā kumukūʻai waiwai nui US. ʻO ka lālā hoʻolālā no FEQIX kahi haʻahaʻa he 0.67 pakeneka aʻo ka palena kūʻai mua he $ 2,500.
- Ke kūpaʻa a me ka pono kaulike (FEQTX) ʻO ia kahi kālā hōʻoiaʻole i alakaʻi pinepine i nā hoa hana i ka hana akā he mea hilinaʻi ia i ka loaʻaʻana o ka loaʻa me nā waiwai. ʻO ke kōpili haʻawina e pili ana he 90 mau pakeneka US a me nā'āpana'ē aʻe he 10%. ʻO ka hikiʻana mai o nā kikowaena waena, me ka hoʻonui i nā pānui nui, hāʻawiʻia ka FEQTX i kahiʻano o ka mākeke. ʻO ka lālā hoʻolālā no FEQTX he haʻahaʻa he 0.72 pakeneka aʻo ka palena kūʻai mua loa he $ 2,500.
- ʻO ka Dividend & Strategic Dividendity (FSDIX) kekahi o ka uku maikaʻi loa ma ka Fidelity lineup. ʻO ke kōpili waiwai e pili ana iʻelua hapa kolu o nā poʻonui nui-cap US nui a me ke koena o nā paʻa i hoʻoiliʻia i waena o nā waiwai'ē aʻe, nāʻaelike, nā kālā a me nā mea kūʻai hoʻololi. ʻO ka lālā hoʻolālā no FSDIX he haʻahaʻa he 0.78 pakeneka aʻo ka kūʻai mua loa he $ 2,500.
- ʻO ka Fidelity Capital & Income (FAGIX) he kālā palekana e hiki ai ke hoʻolako i nā mea e like me ka hoʻohuiʻana i nāʻano o ka ulu a me ka loaʻa. ʻO ka pūnaewele FAGIX kahiʻoi aku o 20% o nā kumukūʻai, 70% o nā paʻahao, a he 10% kālā. ʻO kaʻaoʻao'ākau ka hapa nui o nā mea ulu e like me ka Alphabet (GOOG), Skyworks (SWKS), a me Ally Financial (ALLY) a me ka hui pūnaewele hoʻopaʻa i loaʻa i nā koina. ʻO ka lilo he 0.73 pakeneka.
ʻO kaʻike ma kēia pūnaewele ua hāʻawiʻia no nā papa kūkā wale nō, aʻaʻole pono e kuhihewaʻia e like me ka'ōlelo aʻo kālā. ʻAʻohe kumu e hōʻikeʻia kēiaʻikepili i manaʻo e kūʻai a kūʻai aku i nā palekana.