Pehea ka Auhau Dividend a me nā Auhau Dividend
ʻO kaʻauhau hoʻokaʻawale kekahi o nāʻauhauʻauhau maʻamau i ukuʻia e nā mea waiwai, inā loaʻa iā lākou nā kuleana 100 o Johnson & Johnson a iʻole 1,000,000 mau o McDonald.
ʻO nā rula e pili ana i ka hanaʻole o kaʻauhau hoʻohālike a me nā uku o kaʻauhau kiko'ī maʻamau,ʻaʻole maopopo loa. Ua hui pūʻia kēia alakaʻi e kōkua iāʻoe e hoʻomaopopo i nā kumu. [E nānā i: Dividends 101 -ʻO kāu Hōʻike Hou i nā Dividends a me ka Ultimate Guide i nā Dividends a me nā Dividend Investing .]
ʻO ke Kumukānāwai o ka Auhau Dividend
Ke auhauʻia nei kekahi mau waiwai ma ka likeʻana o ka loaʻa kālā, aʻo nā mea'ē aʻe e auhauʻia i ka palena haʻahaʻa. ʻO ka helu o kaʻauhau e hoʻoholoʻia e ka lōʻihi o kou waiwai. Ma keʻano maʻamau, e auhauʻia nā hapa nui ma nāʻano likeʻole i ka loaʻaʻana o nā kālā kālā ma ka wā lōʻihi, ma lalo o kaʻauhau ma ka loaʻa kālā.
- Nā Dividends Manaʻo : Ma keʻano kumu,ʻo nā māhele kūpono he uku i ukuʻia mai nā lāʻau i loaʻa iāʻoe no kekahi manawa. Ua auhauʻia lākou ma ka likeʻana o ka loaʻa kālā ma ka wā lōʻihi. No ka hapanui o nā kānaka, ke ukuʻoe i 15% ma ka uku kālā kālā,ʻoiai kekahi mau waiwai waiwai (ʻo ka mea hana i nā $ 425,900 inā he hoʻokahi, $ 479,000 inā hiki ke ukuʻia he 20%. ʻaʻole hiki i nā $ 77,200 ke uku i kaʻauhau ma ka uku kālā.
No ke kumu o ka heluʻana i kaʻauhau hoʻohālike, nā kumukena maʻamau no ka mea i hoʻopaʻaʻia iʻoi aku i nā lā he 60 ma loko o nā lā he 121-e hoʻomaka ana i nā lā he 60 ma mua o ka lā i hala . I ka pōkole,ʻo ka'ōlelo aʻo maikaʻi loa e hōʻalo i kaʻauhau hoʻolālā kiʻekiʻe e mālama i kāu mau lāʻau no nā mahina liʻiliʻi. (Ua hoʻonohonohoʻia kēia kulekele e hōʻemi i ka poʻe kālā kālā mai ka loaʻaʻana o ka kālā mai kahiʻoihana mai i hoʻokomoʻoleʻia no ka lōʻihi lōʻihi.)
- ʻO ka meaʻole i kūpono, aiʻole nā mea maʻamau, Dividends :ʻO ka puʻunaue kūponoʻole he mahele i loaʻaʻole i ka hōʻoiaʻana o nā māhele kūpono (e nānā i luna). Hoʻomanaʻo pinepineʻia kēia mau inoa ma keʻano he mau "mea maʻamau". ʻO ka māhele hoʻohālike ma kēia mau'āpana like ia me ka waihona kālā kālā kālā a ka mea kālā e loaʻa ana . Ināʻoe i loko o ka 'auhau auhau 22%, no ka lālā, e ukuʻoe i kaʻauhau kālā he 22% no nā māheleʻole.
Aia kekahi mau hihia kahi e hiki ai i kahi mea kālā ke uku i ka nui o kaʻauhauʻauhau ma ka nui o nā uku. ʻO nā māhele mai nā'āpana o nā hoʻokele waiwai waiwai (REITs), e like me keʻano, keʻauhau mauʻia nei he kālā loaʻa.
Inā loaʻa iāʻoe nā haʻawina i ukuʻia nā waiwai, e loaʻa iāʻoe kahi palapala kālepa 1099-DIV mai kāu mea kūʻai aku e hōʻike ana i ka nui o kāu loaʻa. E hōʻike kēia palapala iāʻoe inā e auhauʻia nā māhele i ka uku no nā māhele kūpono a iʻole nā kumu kūponoʻole.
He aha inā inā hoʻokahuliʻoe i kāu mau kākalakala?
He nui ka poʻe koho e koho e lawe i nā uku hoʻokaʻawale a hoʻohana iā lākou e kūʻai i nā kuleana hou o ka lāʻau hoʻokahi. Kāheaʻia kēiaʻo reinvesting, a he ala ikaika loa ia e hoʻonui ai i ka nui o ka waiwai o kāu kōkoi kālā.
Inā hōʻoleʻoe i nā māhele, ponoʻoe e uku i kaʻauhau ma luna o lākou. E kapaʻia nā kuʻuna he kālā loaʻa, me ka nānā paha inā pahaʻoe e hoʻohana i ia mau mea e kūʻai i kahi waiwai, waiho i loko o kahi waihona kālā mālama, aiʻole e hoʻohana iā lākou e kūʻai i nā tickets i nā kiʻiʻoniʻoni.
Pehea e pale aku ai i nā'Ake Dividend
Ināʻoe e hoʻolimalima ana me kahi pūnaewele hoʻolimalima kālā kūpono, e like me ka'Ilepaʻi Hoʻohoka Kuleana (IRA) aiʻole 401 (k), hiki iāʻoe ke hōʻole i kaʻauhauʻana i nā uku (ma ka liʻiliʻi ma mua.) Ma lalo o ka'IRA tradition a me 401 (k) , hiki i nā mea waiwai ke pale aku i kaʻauhauʻana a hiki i ka hoʻomakaʻana o lākou e hoʻokuʻu i ke kālā ke hoʻi lākou.
Me ka ROT IRA, ke kauʻia nei ke kālā i kēia manawa, akā,ʻaʻole uku nāʻauwai kālā i nā loaʻa ma ka manawa hoʻomaha.
Hiki i nā mea kālā kālā ke pale aku i nāʻauhau hoʻokaʻawale ma o ka hoʻokomoʻana i nā kumukūʻai e ukuʻole i nā'āpana. ʻOiai ka nele o ka uku hoʻokaeʻana e hōʻike i kahi pilikia i loko o ka pilikia,ʻoi aʻe ka hōʻailona e makemake ana kaʻahahui e hoʻohana i kāna kālā no ka reinvest a ulu i ka hui. I ka manawa pinepine (akā,ʻaʻole i nā manawa a pau)ʻo kēia ka hopena o ka ulu wikiwiki wikiwikiʻana i nā'ōnaehana.
Hoʻoponopono a hoʻopauʻia e Tim Lemke.