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  • A dividend is a payment shareholders receive from a company's earnings.

  • When a company is profitable, management can choose to reinvest profits to help grow the

  • business or distribute those profits to shareholders in the form of dividends.

  • Dividends come in several forms, but the most common is cash, which is deposited into shareholders'

  • investment accounts.

  • For example, if a company declares a $0.30 dividend and you own 100 shares, you'll

  • receive $30.

  • Typically, mature companies with strong cash flows are more likely to pay dividends.

  • Many investors seek the income associated with dividends, and often view them as a sign

  • of strength and positive expectations for future earnings.

  • Companies often pay dividends quarterly; however, some pay semiannually or annually.

  • Keep in mind, companies aren't obligated to pay a dividend and can reduce or stop paying

  • it at any time.

  • You should also be aware that simply owning a stock on the day its dividend is paid doesn't

  • necessarily mean you'll receive the dividend.

  • You must be a shareholder earlier, on what's called the record date.

  • Because stock transactions take a few days to clear, and to ensure the accurate allocation

  • of dividends, there is a cut-off prior to the record date called the ex-dividend date.

  • Those who buy the stock on or after the ex-dividend date are not eligible to receive the upcoming

  • dividend.

  • The important thing to remember is that you typically need to purchase a stock at least

  • a couple days before the record date to officially own it in time to be eligible to receive the

  • dividend.

  • The number of days between the record date and the day the dividend is paid varies from

  • company to company, but is often between one and six weeks.

  • Instead of receiving dividends as cash, you can also opt for an automatic dividend re-investment

  • plan, or DRIP, for eligible securities.

  • With a DRIP, dividends are automatically used to purchase additional shares.

  • This allows investors to accumulate more shares over time and can potentially compound returns

  • but also increases portfolio risk.

  • Some investors specifically seek out and invest in dividend-paying stocks.

  • Dividend stocks can provide income and potentially enhance a portfolio's overall returns.

  • Since 1926, the U.S. economy has undergone many bull and bear market cycles.

  • However, the income return received from dividends has been relatively consistent during this

  • time period.

  • Investors can measure the percentage return from dividend income using dividend yield.

  • Yield is the percent return of an asset paid over one year.

  • For dividend stocks, the yield is the sum of the last four quarterly dividends divided

  • by the price of the stock multiplied by 100.

  • Let's look at an example.

  • Say there's a $30 stock that over the past four quarters paid dividends of $0.20, $0.20,

  • $0.20, and $0.18, totaling $0.78 per share.

  • This means the stock has dividend yield of 2.6%.

  • Dividend yield essentially tells you how much return you're getting for the price of the

  • stock.

  • It also allows you to compare the dividends of stocks with different prices, as well as

  • other interest-bearing securities, like bonds or CDs.

  • For example, if investors were faced with the decision to purchase a bond yielding 1.5%

  • or a stock with a dividend yield of 2.6%, they may potentially choose the latter.

  • In addition to potentially higher yield, many investors look for consistent and growing

  • dividends over time as an indication of company health and likelihood of paying future dividends.

  • Although dividend stocks have many benefits, they do have some unique risks.

  • Because they're often considered an alternative to interest-paying securities, dividend stocks

  • are vulnerable to changes in interest rates.

  • In a rising rate environment, investors might sell dividend stocks and shift money into

  • other securities yielding a higher return.

  • It's also important to remember that dividends aren't guaranteed.

  • Companies that pay unusually high dividends may not be able to sustain them, and if dividends

  • are cut, it might send the stock price tumbling.

  • Despite these risks, dividend-paying stocks tend to provide income while still allowing

  • for the potential of stock price appreciation.

A dividend is a payment shareholders receive from a company's earnings.

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紅利基礎知識 (Dividend Basics)

  • 12 2
    王惟惟 發佈於 2021 年 01 月 14 日
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