Nā huakaʻi palekana o ka pono
ʻO nā ponohana he mauʻoihana e hoʻopuka ana i nā lawelawe kūpono e like me ka wai, kaʻaila, a me ka elele.
Ma muli o ka koi mauʻana o kēia mau lawelawe no ka wikiwiki a me ka māmā o ka hoʻonuiʻana i ka hoʻokele waiwai , e manaʻo ana ka lālā e lilo i kekahi o nā wahi paʻa loa o ka mākele kūʻai e pili ana i kāna hana i kēlā me kēia lā.
Mālama ka waihona waiwai i ka maikaʻi ma ka hāʻuleʻana o nā kūʻai kūʻai, no ka mea,ʻoi aku ka nui o nāʻauwai kālā e kūʻai aku i ko lākou mau waiwai kūpono i ka wā e loli ai ke kahua ākea. ʻOiaiʻoi aku ka pilikino o nā waihona waiwai, ma mua o ka nui o nā papa waiwai i loko o ka māhele paʻa, uaʻikeʻia lākou he mea kūponoʻole i ka pānaʻi kūʻai.
ʻO ka pomaikai nui o nā ponohana,ʻo ia ka mea e uku mau ai lākou i nā uku waiwai ma luna. I loko o nā makahiki he hala i hala iho nei,ʻo ka waihona kālā kālepa i kohoʻia e koho i ka pūnaewele SPDR-Utilities (XER):ʻo ia ka mea e hoʻolako i nāʻoihana lawelawe a pau o US me ka hoʻohuiʻana i nā pūnaewele nui loa - ua hāʻawi pinepine ia i ka nāhua e pili ana i 1.75 a 2.5 mau manawa o ka Kālepa S & P 500 (kahi ana o kaʻoihanaʻoihana o ka 'Amelika aʻoi aku ākea).
ʻO keʻano, ua hanaʻo ia pēlā me kahi kūlana haʻahaʻa o ka volatilā ma mua o ka māʻokoʻa.
Nā Dividend kiʻekiʻe, akā ka lumi kaʻawale no ka mahalo waiwai
ʻO kaʻaoʻao āpau ka mea e hiki ai ke hoʻonui i ka mahalo nui wā lōʻihi i nā pono. ʻO nā ulu ulu ulu no ka hapa nui o nāʻoihana i loko o ka māhele e palena ana, a uaʻikeʻia kēia i loko o kā lākouʻoihana kūʻai kumukūʻai.
ʻO kekahi mea maikaʻi o kēia,ʻoiaʻiʻo,ʻo ka loaʻaʻole o nā manawa kūpono e hoʻolālā ai no ka uluʻana o ka wā e hiki mai ana, uaʻoi aku ka nui o ke kālā i nā hui e uku i nā waiwai.
Akā, ma mua o ka manawa, hiki i nā dividend ma luna o kaʻawelike ke loaʻa ka hopena nui i ka hoʻihoʻiʻana. E noʻonoʻo e pili ana i nā pono i pili ma luna. Mai ka lā mua o Dekemaba 22, 1998, i ka lā 10 o Iune, 2014, XLU huakiʻi ka huina piha o ka 150.1% a me ka awelika o ka huina kālā he 6.1%. I kēlā manawa like,ʻo SPDR S & P 500 ETF (SPY), kahi e hoʻokomo i ka S & P 500 Index - he laulā nui o ka hana no nā US stocks - he huina ka hoʻonui pihaʻana o 112.8% a me ka huina o ka hoʻihoʻi makahiki ā 5.0 o ka makahiki. ʻAʻole kēia i hōʻikeʻia eʻoi aku ka waiwai o nāʻoihana waiwai, akā, no ka hōʻikeʻana he hiki paha i nā kumukūhelu o nā haʻawina he hapa nui loa o ka hapakui ka mea hiki ke hoʻonui i ka lōʻihi.
Nā Risks of Utility Stocks
E like me kēlā me kēia māhele o ka māhele kūʻai 'āina, pono nā ponohana i nā māle o ka mākele. Ma ka lua o ka māhele maʻamau nui o nā makahiki he hala i hala - 2001-2002 a me 2008-2009 - ua hala nā waiwai o nā lakohana me ka hapalua o ko lākou waiwai ma kahi kumukūʻai (ʻo ia hoʻi,ʻaʻole e helu i nā'āpana). Pono nā mea waiwai kālā e mālama i kēia i ka wā e koho ai i waena o kahi hoʻohuiʻana i nā palapala hoopaa a iʻole i nā kumukūʻai uku uku e like me nā pono hana.
ʻElua kumu'ē aʻe i loaʻa ka hopena maikaʻiʻole i ka hana o nā waihona ponohana. ʻO ka mea mua, hiki i ka huina kālā uku ke hoʻonui i ka laina no nā kumuʻelua: 1) ke piʻi nei ka nui o ka waihona waiwai no nā mea o nāʻoihana i loko o ka mahele e lilo i kālā nui a no laila ua nui ka aie a me 2) e hele mau i nā kaulahao a me nā koho kūpono i ka loaʻaʻana o nā mea kūʻai ma kaʻoihana kūʻai. Eia hou, ua hoʻokūpaʻa nuiʻia ka lālā a no laila ua maʻalahi i ka hoʻololiʻana i nā kulekele aupuni.
Pehea eʻimi ai i nā ukana pono
Hiki iāʻoe ke hoʻokomo i loko o nā waihona waiwai ma o kekahi mea hana kope. Hiki ke hoʻopomo i loko o kēlā me kēia waihona waihona waiwai, kālā likeʻole e hoʻolako i ka lālā, aiʻole nā ETF e like me Select Sector SPDR-Utilities. Pono e launa pū i kahi kākā'ōlelo kālā a hoʻohana paha i nā'ikewaiwai pūnaewele piha e hiki ai ke hana i ka noiʻi kūikawā ma mua o ka hoʻolimalimaʻana.
Ka hōʻole :ʻO kaʻike ma kēia pūnaewele ua hāʻawiʻia no ke kūkākūkāʻana wale nō, aʻaʻole pono e manaʻoʻia he'ōlelo kūkā. ʻAʻohe kumu e hōʻikeʻia kēiaʻikepili i manaʻo e kūʻai a kūʻai aku i nā palekana.