He aha nā DRIP Accounts?
ʻO ka hoʻopiʻi kū'ēʻana o kahi waihona DRIP,ʻo ia kāu wehe iā ia me kahi mea hoʻolale kālā a iʻole kahiʻoihana hoʻonaʻauao'ē aʻe ma kahi o ka mea kūʻai kālā .
Me kahi pūnaewele DRIP, hiki iāʻoe ke hoʻonohonoho i nā'ōlelo maʻamau a me nā'ōlelo kuhiʻana i ka manawa, i laweʻia ke kālā mai kāu heluʻai a iʻole helu mālama waiwai i kēlā me kēia pule, ka mahina, aiʻole ka hapahā, a hoʻohanaʻia e kūʻai i nā kuleana o ke kālā i kaʻoihana āu i hoʻoholo ai makemakeʻoe e lilo i mea nona.
He nui nā DRIP i hoʻonohonoho pono i nā kumukūʻai kūʻai kūʻai, eʻae ana iāʻoe e kūʻai i nā hea o kahi hui mai kaʻoihana aku. Ma keʻano he bonus haʻawina,ʻaʻohe nui o nā hui e hoʻouka i ke kuleana a iʻole ka uku no nā kūʻai kūʻai. ʻO ka poʻe e hana, mālama lākou i kahi uku liʻiliʻi (e like me $ 2.00 ma ke kālepa), e kōkua iāʻoe e mālama i kāu mau kālā i ka hoʻokaʻawaleʻana i nā māhele noʻoe.
ʻAʻole ia he mea hūnā e pili ana au i ka hoʻohanaʻana o DRIP i loko o kahi waihona. I ka wā ma mua, ua kākau wau e pili ana i ka piliʻana o koʻuʻohana i kaʻu keiki pokii e pili ana i ka hoʻolimalimaʻana ma o ka hoʻolālā kūʻai kumu kūʻai a Coca Cola. I ka hoʻomakaʻana o kaʻuʻoihana mua, ua wehe mākou i nā pūʻulu DRIP me ka lima o nā kumukūʻai polīliuli , e like me Procter & Gamble a me Johnson & Johnson.
He mau hoaaloha a me koʻu hoahānau e loaʻa ana iā DRIP no kā lākouʻoihana pono'ī,ʻoihana punahele, e pili ana i nāʻaha kūpana'āina, nā kānaka lapaʻau, nā mea kūʻai kūʻai kūʻai, a me ka hōʻailonaʻai i nā meaʻai.
Me DRIPs, hiki iāʻoe ke hoʻoholo i kaʻole, kekahi, a iʻole kāu mau Dividend
Ma waho aʻe o kā lākou papahana uku a me ka ukuʻole o ka papahana uku, he uku nui o nā Plan Dividend Reinvestment Plan e hāʻawi aku iāʻoe iʻekolu mau koho e hōʻoki i kāu mau māhele:
- E hōʻoʻoleʻa i kāu hapa nui o kāu kālā no ka kūʻaiʻana i nā kumukūʻai o ka waiwai i loko o ka hui (e like paha me ka loaʻaʻana o nā pāʻonui hou aʻe ma kēia mua aku)
- Hoʻohui pono i kāu mau'āpana a hoʻouna i ka hoʻomaha iāʻoe ma o ka nānā aiʻole i kahi waiho kūpono i kāu helu huliʻana. Hiki iāʻoe ke hoʻonoho i ka pakeneka iāʻoe iho. Eia kekahi laʻana, "Ke makemake nei au e reinvest 70% o kaʻu kālā a me ka hapanui 30% i waihoʻia i loko o kaʻu waihona."
- E uku pololei i nā māhele a pau āu e loaʻa ai, ma ka hāʻawiʻana i kahi leka aiʻole ma kahi kiko'ī kiko'ī i kāu pūʻalā.
Inā hoʻololiʻoe i kou manaʻo i hoʻokahi hebedoma, hoʻokahi malama, aiʻole i kekahi mau makahiki ma hope aku, hiki iāʻoe ke hoʻololi i ke ala e mālama maʻalahiʻia kāu mau'āpana. Ma hope o ka ola ola a hoʻopakeleʻana, hiki iāʻoe ke kāhea i ka luna hoʻokele, e hoʻopihapiha i kekahi mau pepa, a hele mai ka waihona waiwai piha i ka hoʻokaʻawaleʻana i ka hoʻokaʻawaleʻana, loaʻa ka hōʻailona no kāu waiwai o ka hui e uku i nā waiwai. No ka hoʻokumuʻana i kēlā mea, ināʻoe he 10,000'āpana o Coca-Cola āu i kūkulu pono ai ma ka waihoʻana i kekahi o kāu uku ma kāuʻoihana, i ka 2017 hiki iāʻoe ke manaʻo e hōʻiliʻili i $ 14,800 ma nā kālā kālā. Ma muli o ka ukuʻana o Coke i nā puʻupuʻu ma ka hapaha makahiki, e weheʻoe i ka pahu leta a loaʻa iāʻoe he $ 3,700 kope ma kēlā me kēiaʻekolu mahina,ʻehā manawa o ka makahiki.
(Ponoʻoe e kuleana i ka ukuʻana i kaʻauhauʻauhau 15% i ka manawa i paʻiʻia ai kēiaʻatikala). ʻAʻohe kumukūʻai kūʻai. ʻAʻohe'ōlelo i kēlā lā i kēia lā. Loaʻa iāʻoe ka hapaha kua hōʻike e hōʻike ana i kou kuleana a pau o ka hui, kāu kālā nui loa, nā kūʻai hou, nā kūʻai, a me nā hana hōʻai'ē āu i hana ai, a me kahi hōʻailona (inā makemakeʻoe e ukuʻia kāu uku).
He mea maʻalahi wale nō,ʻo ia ke kumu e loheʻole aiʻoe i kekahi mea e hoʻolaha nei i DRIP. ʻAʻole hiki i nā 'āpana a me nā mea ukana kālā ke hoʻolilo i kālā iā lākou. He like ka heleʻana i ka mea hana waiwai a me ka heleʻana i ka hale kūʻai. Loaʻa iāʻoe nā mea kūʻai.
ʻO nāʻano hea o nā mea kālā e pono e noʻonoʻo i nā DRIP i ko lākou kōpili?
No nā mea hoʻolimalima lōʻihi e makemake ana e lālau i ka lima o nāʻoihana nui, mālama iā lākou no ka manawa lōʻihi, reinvest their dividends, a loaʻa hou ka mana,ʻo DRIP ka uku haʻahaʻa, ke ala maikaʻi e hele ai.
Aia kekahi mau hanana hou, akā, keʻike nei au i kēia mau mea maikaʻi. Eia kekahi laʻana,ʻaʻole hiki iāʻoe ke noi aku ma ka palena i nā lāʻau i paʻa i loko o ka helu DRIP aʻaʻole hiki iāʻoe ke kūʻai wikiwiki (hiki iāʻoe ke kelepona aiʻole e hoʻopiha i nā pepa no ka hoʻomakaʻana i ke kaʻina hana, hiki ke mālamaʻia i kekahi mau lā), akā hana i nā pale palekana no ka noʻonoʻo wā liʻiliʻi.
ʻO ka hapa nui o nā hui nui e hāʻawi iā DRIPs. No kaʻike ināʻo kaʻoihana āu e makemake nei i ka kūʻaiʻana e like me kēia kumumanaʻo, e kāhea i ka laina pilina pili kālā a iʻole e nānā i ka māhele pili pilina waiwai o ka pūnaewele pūnaewele. Keʻimi neiʻoe i kahi palapala i kapaʻiaʻo ka prospectus , e wehewehe ana i nā uku a me nā koina.