ISabelo seNyanga sezabelo

I-dividend yinto engcwele kubatyalo-mali. Uziva ukhuselekile ngengeniso ezinzileyo ukuba ukhetha ezona zitokhwe zibalaseleyo kwixesha elide. Ibandakanya ingeniso eyongezelelweyo nokuba imeko yakho yobungcali kunye neyakho, kodwa kunye nokukhuselwa ngokuchasene nokuguquguquka kwemarike.

Igrafu exhasayo ibonisa ukuba utyalo-mali kwii-stocks kwixesha elide kunenzuzo ngokucacileyo. Oku kubuza umbuzo wokuba kutheni ubeka imali yakho kutyalo-mali olungenamngcipheko olungavelisi nto. Ngezabelo eziqhelekileyo, uyaxhamla kwimpembelelo yenzala ehlanganisiweyo ekuvumela ukuba ukhulise inkunzi yakho ngoxolo lwengqondo.

Iinkampani ezidwelisiweyo zikhetha intlawulo esekelwe kwishedyuli yonyaka, isiqingatha sonyaka okanye ngekota, kodwa ezinye zazo zikhetha ukuhanjiswa kwenyanga. Babizwa ngokuba izabelo zenyanga.

Izitokhwe ezihlawula isahlulo ngenyanga zibonelela ngokuphinda-phinda kwengeniso. Okukhona ufumana izabelo rhoqo, kokukhona unokuphinda uzityale kwakhona ukuze uthenge izabelo ezongezelelekileyo, ngoko ke wenze ingeniso eninzi. Basenokulungela udidi lwabatyali-mali njengabantu abadla umhlala-phantsi.

Nangona kunjalo, awukwazi ukuba nazo zombini iindlela. Siza kubona ukuba ii-dividend stocks zenyanga azikho ngaphandle komngcipheko.

Ukuba ufuna ukwazi ngakumbi ngaphambi kokuthatha inyathelo, kuya kuba bubulumko ukukhumbula iiyantlukwano zabo xa kuthelekiswa nesiqhelo semarike yemasheya. Okulandelayo, siza kubona ukuba zifumaneka phi kwaye ngawaphi amacandelo. Okwesithathu, ngawaphi amathuba kunye nobungozi bokutyalomali kwizabelo zenyanga zezabelo. Ekugqibeleni, siya kuchaza iindlela ezahlukeneyo zokufumana eyona ilungileyo kudidi.

Njengebhonasi ngaphandle kokuthenga ingcebiso, siya kukutyhilela i-5 ephezulu yezahlulo zenyanga zezabelo kule minyaka imbalwa idlulileyo.

Izahlulo zeNyanga zezabelo-Ezinye iiNgcaciso ozaziyo

EUnited States naseKhanada, uninzi lweenkampani zisasaza isahlulo ngekota nganye. EYurophu, iyahluka ukusuka kwelinye ilizwe ukuya kwelinye. EFransi, yintlawulo yonyaka ehamba phambili. ESpain, eNetherlands naseUnited Kingdom, iinkampani zithanda ukuhlawulwa kwezabelo ezisekelwe kwishedyuli yesiqingatha sonyaka.

Masithi ngokuphandle. Izitokhwe zezabelo zenyanga zinqabile. Uya kufumana malunga namashumi amahlanu phakathi kwezitokhwe ezingaphezu kwama-630 kwihlabathi liphela.

Okokuqala, bagxininiswe kumacandelo ambalwa. Okwesibini okucacileyo, uninzi lwabo lunembuyekezo ephezulu kune-S&P 500 avareji kunye nethagethi yokunyuka kwamaxabiso eebhanki eziphambili yi-2%. Okwesithathu, isahlulo senyanga sesahlulo sithetha ukuba ixabiso lesabelo litsalwa ngokomatshini kwisixa sesabelo nyanga nenyanga ngaphandle kokuthandabuzeka ngamaxesha athile eyona siseko senkampani.

Izahlulo zeNyanga zeSahlulo sezabelo-Kuwaphi amazwe onokuzifumana?

Uzifumana kuphela kuMntla Melika: eUnited States naseKhanada. Musa ukuzibuza ukuba kutheni kungekho namnye eYurophu. Ngenxa yoko, akukho zabelo zezabelo zenyanga ngaphakathi kwesakhelo sePEA. Nangona kunjalo, ungatyala imali kwezi zitokhwe ngee-CFD usebenzisa i-broker ye-intanethi efana eToro.

Ngawaphi amacandelo onokuzifumana?

Malunga namashumi amahlanu eenkampani zaseMntla Melika zihlawula intlawulo yenyanga. Bagxile kumacandelo ambalwa. Phakathi kwabo, unayo Ii-REIT (IiTrasti zoTyalo-mali lwe-Real Estate) okanye iinkampani ezidweliswe izindlu nomhlaba, imali, amandla, izinto eziluncedo kunye nee-telecoms.

REITs

Uninzi lwee-dividend stocks zenyanga zi-REITs. Yadalwa ngo-1960 e-United States, ezi ziinkampani ezizezabo kwaye zilawule umhlaba. Bafumana umvuzo ngokuqeshisa ngabo. I-REIT inerhafu ethile efuna ukuba bahlawule i-90% yengeniso yabo ngendlela yezahlulo kubanini-zabelo babo.

Kubonakala kusengqiqweni ukuba ezinye ii-REITs zisasaze isahlulo senyanga kubanini-zabelo zabo kuba bafumana umvuzo wabo ngokwerenti yenyanga. Ngohlobo lwepropathi, uya kufumana izakhiwo zeofisi, amaziko okuthenga, amagumbi, iihotele, iindawo zokuzonwabisa, iindawo zokugcina, njl.

Olunye udidi lwe-REIT luhambisa isahlulo senyanga. Ezi zi-REIT ze-mortgage. La ngamashishini angenazo iipropati ezibonakalayo. Babolekisa ngemali ngokuthe ngqo kubanini bezakhiwo, ngokukhupha imali yokubambisa, okanye ngokungangqalanga ngokuthenga iimali-mboleko ezikhoyo okanye izibambiso ezixhaswa ngemali yokubambisa.

Ukusasaza izahlulo, i-REIT ye-mortgage ifumana umvuzo wayo kwinzala efunyenwe kwimali-mboleko yezindlu okanye utyalo-mali ngezixhobo zemali ezixhaswa yi-real estate. Unokucinga ukuba ukusebenza kwabo kuyafana naleyo yeebhanki ngaphandle kokuba ii-REIT ze-mortgage azibambi iidiphozithi zabathengi.

I-Mortgage REITs ngokuqhelekileyo isebenzisa amandla emali ukukhawulela iimali-mboleko zabo kunye nokusabalalisa isahlulo kwisivuno esiphezulu.

Ngenxa yezi zizathu, ii-REIT ze-mortgage zinovakalelo kwiinguqu kwimilinganiselo yenzala. Ukuba bayenyuka, umda wabo uyehla xa uthelekisa neendleko zenkxaso-mali. Ukuba bayawa, ababoleki-mali banokuhendeka ukuba babuyise iimali-mboleko zabo ngexabiso eliphantsi kwaye oku kuya kunciphisa imbuyekezo yabo.

Ke, uya kuqonda ukuba kungcono ukutyala imali kolu hlobo lwe-REIT kwindawo ezinzileyo yenzala.

Ezemali

Icandelo lezemali lisoloko lifunwa yintsebenzo yabo kunye nokungaxabiseki kwabo xa kuthelekiswa nomndilili wemarike. Unokufumana iinkampani ezihambisa isahlulo senyanga kumacandelo athile afana nala:

• Ii-BDCs (iiNkampani zoPhuhliso loShishino). Ezi ziinkampani zotyalo-mali ezityala imali kumashishini amancinci naphakathi. Baxhasa kwisigaba sabo sokuqala sokukhula ngokubabonelela ngemali eyinkunzi ngokulingana, amatyala okanye izixhobo zemali. Ukuzuza kwimo yerhafuvantageux, ii-BDCs kufuneka zibambe okungenani i-70% yempahla yazo kwiinkampani zaseMelika zabucala okanye zikawonkewonke ezinexabiso lemarike elingaphantsi kwe-250 yezigidi zeedola. Imodeli yabo yeshishini iyafana naleyo ye-REIT ye-mortgage ngaphandle kokuba ii-BDC zinemithombo emininzi yengeniso.
• IiCEFs (IiNgxowa-mali ezivaliweyo). Ezi ziimali ezivaliweyo eziqulunqwe zizabelo ezithengiswa kwi-stock exchange okanye kwi-counter-the-counter market. Njengeemali ezifanayo, zilawulwa ngabaphathi beepotfoliyo. Nakuba kunjalo, yakuba ifakwe kuluhlu lwestock exchange, iCEF iya kuba nenani elimiselweyo lezabelo ezingekahlawulwa. Okuthetha ukuba ayizukuzuza ekunyukeni kwemali eyinkunzi kunye nezabelo ezithengiweyo. I-CEF njengesabelo somntu ngamnye iya kuthengiswa ukuze ithengwe kwaye ithengiswe kwimarike yesibini.
• Iibhanki ngoku zigqalwa njengamashishini akhula kade. Ngenene, ukukhula kwabo kwafikelela ekuvuthweni ngeminyaka yoo-2000 kungoko umdla wabo wokugcina abaninizabelo ngezabelo rhoqo. Uninzi lwabo lukholisa ukukhetha intlawulo yekota, kodwa kukho iintaka ezimbalwa ezinqabileyo kweli candelo ezibonelela ngentlawulo yenyanga.

amandla

Uhlala ubhekisela kwii-majors ezifana ne-ExxonMobil, i-Chevron, i-Royal Dutch Shell, i-BP kunye ne-Total kwicandelo lamandla. Uyabaxabisa ngokutsala isivuno sabo kunye nembali yokukhula kwezabelo kumashumi eminyaka. Umzekelo, i-ExxonMobil kunye neChevron zinenqanaba le-Dividend Aristocrat ngaphezulu kweminyaka engama-25 elandelelanayo yokunyuka kwezabelo.

Ukuba ujonge umdla malunga neli candelo, kukho iinkampani ezimbalwa ezihlawula isahlulo senyanga. Basebenza ikakhulu ekuxhatshazweni kwe-oyile kunye negesi. Nangona kunjalo, oku akukho mngcipheko, njengoko banomdla kwiinguqu kwixabiso leoli.

Izinto eziluncedo kunye nee-telecoms, amacandelo emveli anemveliso ephezulu

Izinto eziluncedo kunye nee-telecom ngamacandelo aqolileyo ngokwesiko. Kuya kuba nzima kuwe ukuba wenze inzuzo ngokukhawuleza kwisithuba seenyanga. Umgaqo-nkqubo wabo wokusasazwa kwesabelo-mali ujolise ngakumbi kubatyali-mali abaneprofayili yomngcipheko egcinayo. Iinkampani ezisebenza kula macandelo zibonelela ngembuyekezo ephezulu xa kuthelekiswa nomndilili wemarike. Zingabandakanya ukhuseleko lokunyuka kwamaxabiso kunye nokwehla kwembuyekezo kutyalo-mali olungenamngcipheko (Livret A, Livret Développement Durable, iibhondi zikarhulumente).

Ngaphezu koko, banandipha umqobo ophezulu wokungena ngenxa yemimiselo. Oku kunceda ukukhuthaza ukuphindwa kwengeniso kunye nokuhamba kwemali okuzinzileyo. Uya kufumana ezinye kuluhlu lwezabelo zenyanga ezibandakanya inkampani yaseCanada eyinxalenye ye-5 ephezulu.

Ii-Avantages ukufumana isahlulo senyanga

Ngaba kukho umahluko omkhulu phakathi kokufumana isahlulo senyanga nenyanga kunye nesahlulo sekota? Ngokomzekelo, qwalasela izabelo ze-1 ze-000 ye-stock Y ehlawula isahlulo sonyaka ngesabelo se-$ 10. Oku kulingana nembuyekezo yonyaka ye-1,5% (okanye i-15% ngenyanga).

Ukuba i-dividend ihlawulwa ngenyanga kwaye iphinde ityalwe kwi-stock ngokwayo, ufumana i-$ 1 kwizabelo emva konyaka omnye. Ngomdlalo wenzala ehlanganisiweyo, imbuyekezo yakho kutyalo-mali yi-607,6%.

Kwimeko apho intlawulo yesabelo yenzeka rhoqo ngekota, isivuno sonyaka ekuqaleni siyi-3,75%. Emva konyaka omnye, ufumana i-$ 1 kwizabelo - kwaye ngoko ke imbuyekezo kutyalo-mali lwe-586,5%.

Kwixesha elide kunye nenkunzi yokuqala ephezulu, ii-dividend stocks zenyanga zinokukuzisela imbuyekezo enkulu ngokwembuyekezo kutyalo-mali. Iyasebenza ukuba unengqondo yokukhetha eyona ibalaseleyo eklasini.

Omnye uyenzilevantage kukuba unoluvo lokufumana umvuzo omncinci okanye umvuzo owongezelelweyo rhoqo ngenyanga. Okungabalulekanga xa kuthelekiswa nokunyuka kweendleko zokuphila kunye nokungazinzi kweenkqubo zangoku zomhlalaphantsi.

Ubanga uloyiso kwimarike yesitokhwe, ucinga ukuba lolona mbono ulungileyo wotyalo-mali ngalo lonke ixesha. Ngokweenkcukacha-manani nangembali, kukho umngcipheko omkhulu wokunciphisa isahlulo okanye ukupheliswa kwezabelo zenyanga nenyanga kunezabelo zekota.

Iingozi zoLwahlulo lwezabelo lweNyanga

Ngokufumanisa kwayovantages, ucinga ekuqaleni ukuba yindawo yoxolo yokutyala imali kwimarike yemasheya. Ngelishwa, umtyholi ukwiinkcukacha. Isitokhwe sesabelo senyanga sithetha ukuba inkampani inyanzelekile ukuba ingene kwimali ekhoyo nyanga nganye ukuze ihlawule ikhuphoni kubanini-zabelo bayo. Kwimeko yengxaki yangaphakathi okanye yangaphandle kwinkampani, lo mgaqo-nkqubo wokusabalalisa unokuyeka ubusuku bonke.

Kuya kufuneka uqaphele ukuba uninzi lwesitokhwe sesahlulo senyanga siyaqikelelwa kakhulu. Basebenza kumacandelo ajikelezayo (anikele ngovakalelo kwimeko yezoqoqosho) kunye nenkunzi enkulu. Oku kunyanzela abaphathi ukuba batyale imali eninzi kwishishini labo ukuze benze inzuzo. Inqanaba labo letyala liphezulu kunomyinge wemarike.

Zisetyenziselwa ukunika isahlulo kunye nomlinganiselo ophezulu wentlawulo. Ingxaki yomlinganiselo wentlawulo ephezulu rhoqo inokubangela ukuthotywa okanye ukupheliswa kwesahlulo kwixesha elikufuphi okanye elikude elizayo. Yantoni ? Ngenxa yokuba inkampani echaphazelekayo iya kuba sesichengeni ngakumbi xa kukho ukudodobala koqoqosho okanye isiganeko esingalindelekanga.

Ingxaki ye-Covid-19 ngumzekelo ogqibeleleyo. Ezinye izitokhwe ezinezabelo zenyanga kuye kwafuneka zincame ukuhlawula inxalenye yekhuphoni zazo kubaninizabelo. Ngokudibanisa intlawulo ephezulu kunye netyala, inkampani ayinawo amandla otyalo-mali ekukhuleni kwayo kwexesha elizayo. Ii-arhente zokukala (i-Moody's, i-Standard & Poor's kunye ne-Fitch) ayiququzeleli ukufikelela kwazo kwimali eyinkunzi kwiimarike zemali kwaye kufanelekile ngenxa yokuba umlinganiselo wamatyala wabo ungaphantsi kwenqanaba lotyalo-mali.

Uzilindile phambi kokuba uziphose emhadini wengcuka kwizitokhwe zezabelo zenyanga.

Uluhlu lweSahlulo seSabelo seNyanga sase-US/Canada

Nalu uluhlu lwesishwankathelo sezenzo zenyanga ngokwecandelo

• I-Agree Realty Corporation (Industry REIT)
• I-American Financial Trust (i-REIT yokuthengisa)
• Utyalo-mali lwe-AGNC (REIT mortgage)
• Apple I-Hospitality REIT (ihotele kunye ne-REIT yokuzonwabisa)
• Indawo yokuhlala yaseAmour REIT (REIT)
• IGrupo Aval Acciones y Valores (Ezemali)
• I-Banco Badresco (Ezemali)
• Broadmark Realty Capital (REIT mortgage)
• I-Chatham Lodging (ihotele kunye ne-REIT yokuzonwabisa)*
• Iipropati zoKhetho lwe-REIT (i-REIT yokuthengisa)
• IChorus Aviation (Ishishini)
• Cross Timbers Royalty Trust (Amandla)
• Iphupha loShishino REIT
• I-Dream Office REIT (i-ofisi REIT)
• Dynex Capital (REIT mortgage)
• Ellington Financial (REIT mortgage)
• Inkampani yeNgeniso ye-Eagle Point (Imali evaliweyo)
• Iipropati ze-EPR (i-REIT ekhethekileyo)*
• I-Enerplus (Amandla)
• UShishino lweNgeniso yeShishini (Ishishini)
• Gladstone Capital Corporation (Imali)
• I-Gladstone Commercial Corporation (i-REIT eyohlukeneyo)
• I-Gladstone Investment Corporation (Imali)
• I-Gladstone Land Corporation (I-REIT eyiNgcaciso)
• Ubutyebi baManzi eHlabathini (Izinto eziluncedo)
• Inkampani yeziXhobo zeGolide (iMathiriyeli eSisiseko)
• I-Granite Real Estate Investment Trust (Industry REIT)
• I-Horizon Technology Finance
• I-Inter Pipeline (Amandla)
• Itau Unibanco (Ezemali)
• Iipropati ze-LTC (i-REIT yezempilo)
• Inkunzi yesitalato esingundoqo (ezeMali)
• I-Mesa Royalty Trust (Amandla)*
• Orchid Island Capital (REIT mortgage)
• Oxford Square Capital (Finance)
• I-Pacific Coast Oil Trust (Amandla)*
• Umbhobho wePembina (Amandla)
• I-Permian Basin Royalty Trust (Amandla)
• Ireyithi yokuFaka iPennant Park (iiNkampani zoPhuhliso loShishino)
• I-PermRock Royalty Trust (Amandla)*
• IProspect Capital Corporation (iiNkampani zoPhuhliso loShishino)
• I-Permianville Royalty Trust (Imali)*
• Ingeniso yeRealty (i-REIT yokuthengisa)
• Sabine Royalty Trust (Amandla)
• Inkampani Stellus Capital Investment Corp. (Ezemali)
• I-San Juan Basin Royalty Trust (Amandla)*
• Unxibelelwano lukaShaw (iTelecom)
• Inkampani SL Green Realty Corp. (REIT ofisi)
• I-Solar Senior Capital (iiNkampani zoPhuhliso lwamashishini)
• I-Stag Industrial (i-Industrial REIT)
• I-Superior Plus (Izinto eziluncedo)
• Ukuhlaziywa kweTransalta (Izinto eziluncedo)
• AbaTyalomali beHlabathi baseMelika (Ezemali)
• I-Vermilion Energy
• I-Whitestone REIT (i-REIT yokuthengisa)

QAPHELA: *Iinkampani eziye zanqumamisa intlawulo yezahlulo ngexesha lentlekele ye-Covid-19.

Iikhrayitheriya eziphambili zokukhetha ezona zilungileyo kuluhlu

Xa utyala imali kwi-dividend stock yenyanga, khumbula ukuba ngokuqhelekileyo banobungozi xa kuthelekiswa nomyinge wemarike ngenxa yezizathu ezichazwe kwimihlathi edlulileyo. Ke ukuze wenze olona khetho lufanelekileyo, nazi ezinye iindlela eziphambili zokuhlonipha.

Imbali yeminyaka elandelelanayo yokwanda kwengeniso

Ikhrayitheriya yokuqala ephambili yokuhlalutya amandla e-dividend. Masithi ngokuphandle, le yintsika ephambili yolu didi lwesenzo. Ukuba ibinokwaphuka ibe ziingceba ezisisigidi, ubunokukhangela ingca eluhlaza kwenye indawo.

Okokuqala, qiniseka ukuba inkampani inembali yeminyaka elandelelanayo yokunyuka kwezabelo. Yantoni ? Kuba luphawu lokuzithemba kwikamva lozinzo lwenkampani.

Okwesibini, qiniseka ukuba umlinganiselo wentlawulo, enye yezona metrics ezisetyenziswa kakhulu ukuhlalutya ukuqina kwe-dividend, ayikho phezulu kwiminyaka embalwa, oko kukuthi ngaphantsi kwe-80%. Ngokujikeleza kwindawo ebomvu, inkampani ekuthethwa ngayo ayikhuselekanga kwisiganeko esixhokonxa ixhala okanye esiphuma ngaphandle esiyinyanzela ukuba yehlise okanye isuse isahlulo sayo.

Nangona kunjalo, kwimeko ye-REITs eyenza uninzi lwezabelo zenyanga, kuya kufuneka ujonge umlinganiselo wentlawulo ye-FFO ekufuneka ibe ngaphantsi kwe-80-90% inikwe amandla enkunzi yecandelo.

Inqanaba letyala, inkxalabo yokubeka iliso ngokusondeleyo

Xa inkampani ingasakwazi ukukuhlawulela isahlulo, idla ngokunxulunyaniswa netyala eligqithisileyo. Kwisitokhwe sesabelo senyanga, oku kuyingozi kakhulu kuba igumbi layo lokuqhuba liyancipha. Ngenene, bafuna imali ngetyala eliphantsi ukuze bakhule.

Ukuqinisekisa ukuzinza kwesahlulo, kufuneka ubeke iliso kwiikhrayitheriya ezifana nezi:

• Ityala/EBITDA evavanya ukuba inkampani iya kuba nako ixesha elingakanani ukuhlawula ityala layo. Umda ongafanelekanga ukuba ugqithwe yi-5, kodwa kwiinkampani eziphezulu kakhulu sinokunyamezela umda malunga ne-6-7.

• Ireyithingi yekhredithi ehambelana nomgangatho wemali wetyala lenkampani elichazwe zii-arhente zokukala (S&P, Moody's, Fitch). Njengesikolo, okukhona siphezulu, kokukhona kuya kuba lula ukuboleka. Kwiimalike zemali, siyayinyamezela inqanaba letyala kudidi lwebakala lotyalo-mali, oko kukuthi BBB- okanye ngaphezulu. Ukuba ngelishwa ixabiso letyala liphantsi kakhulu, inkampani iya kubona iindleko zayo zetyala zonyuka kwaye iya kuba nobunzima ekuxhaseni umsebenzi wayo.

Ukuhamba kwemali yinkosi

Ukwenza intengiso kunye nengeniso kubalulekile kwishishini. Ngaba kusafuneka yenze oko ngelixa igcina okanye inyusa ukungena kwayo kwemali? Ukungena kwemali yindlela ethe ngqo yenkampani yokusasaza izabelo kubanini-zabelo.

Yintoni ofanele uyijonge ngenyameko? Okokuqala, hlalutya ukuhamba kwemali yenkampani kule minyaka mihlanu idlulileyo. Kufuneka ibe nethemba ngokupheleleyo okanye umngcipheko wokutsha ngokuphuma kwemali. Emva koko kufuneka izinze okanye ikhule minyaka le. Okwesibini, khangela ukuba ukuhamba kwemali simahla kulungile.

Ukuba unesabelo sesabelo senyanga esinemali enkenenkene yokuhamba kwemali, unokuyithengisa kwaye ufumane into engcono kwenye indawo.

Ulwahlulo lwezabelo lweNyanga-Esona si-5 siphezulu

1. IQumrhu loMhlaba weGladstone

2. Iipropati ze-LTC

3. Unxibelelwano lweShaw

4. I-Stag Industrial

5. Ingeniso yearhente

Awunakulinda ukwazi i-5 ephezulu ye-dividend stocks yenyanga. Zikhethwa ngokusekelwe kwindlela yokusebenza kwemali kwiminyaka emihlanu edlulileyo, amathuba okukhula, ukuqina kwesahlulo kunye nomgangatho wemodeli yeshishini.

1. Gladstone Land Corporation

Ii-REIT azikho nje iindonga zeofisi, iindawo zokuthenga, iihotele okanye iindawo zokugcina iimpahla. Unokufumana iipropathi ezingaphandle komzila. Kusapho lwezabelo zenyanga, ngaba uyayazi iGladstone Land Corporation.

IGladstone Land Corporation yiREIT etyala imali kwaye ibe ngumhlaba wezolimo kumazwe alishumi aseMelika apho kukhula iziqhamo kunye nemifuno, emva koko izixhobo zolimo ezifana nengqolowa, iimbotyi zesoya, umbona, iswekile kunye nerayisi. Inkampani ibone inkunzi yayo yentengiso kathathu ukusukela kwindawo yayo ephantsi ngoMatshi ka-2020 kulandela ingxaki ye-Covid-19.

IGladstone Land ithenga umhlaba wokulima ize iwuqeshise kumafama ngesivumelwano sokuqeshisa. Iingqeshiso zidla ngokuphindwe kathathu, oku kuthetha ukuba abaqeshi bahlawula zonke iintlawulo (irhafu yendawo, iindleko zokulungisa, i-inshurensi) ukongeza kwirenti.

Iimpawu zayo zityalwe kakhulu kwiziqhamo kunye nemifuno enemfuno engakhathaleli kakhulu kwi-vagaries yomjikelezo wezoqoqosho. Ngokwahlukileyo koko, izixhobo zolimo zenza imbuyekezo encinane ngenxa yokuguquguquka kwamaxabiso azo kwiimarike zemali.

Kwicala lezemali, iGladstone Land inokukhula kokuhamba kwemali rhoqo ngonyaka, nto leyo eyivumela ukuba ikhuphe rhoqo izabelo kubanini-zabelo. Intlawulo yayo ye-FFO yi-83%, ngoko ke akukho nto yokukhathazeka malunga nesahlulo kwixesha elifutshane ukuya kwixesha eliphakathi. Icala elisezantsi kuphela linqanaba layo letyala ngetyala / umlinganiselo we-EBITDA ngaphezulu kwe-15. Kodwa kwelinye icala, izinto ezisisiseko zenkampani ziqinile.

I-Gladstone Land inabaqhubi bokukhula kwixesha elizayo. Okokuqala, iimfuno zokutya zixhaswa kukwanda kwabemi behlabathi. Okwesibini, ukubonelelwa ngomhlaba wokulima eUnited States kuyehla nangona ingxinano yabemi iphantsi. Ngokwenene, wonke umhlaba wezolimo uguqulwa ngezakhiwo, izindlu, amaziko okuthenga, izakhiwo zeofisi, njl. Oku kucaciswa kukufudukela kwabantu ezidolophini ngokugqithisileyo.

Ukudityaniswa kokukhula kwabemi behlabathi kunye nokuwa kunikezelo lomhlaba wezolimo kunika uhlobo oluthile lwethemba malunga nokukhula kwexesha elizayo kweGladstone Land. Umlinganiselo wobonelelo/wemfuno uya kunceda utyalo-mali kumhlaba wezolimo. Kwimeko apho ukufudumala kwehlabathi kungumba omkhulu kumashumi eminyaka ezayo, lo mkhwa uya usiba namandla. Ngaphaya koko, ukongeza kwisabelo, iGladstone Land Corporation lubhejo OMDE ngokunyuka kwamaxabiso kunye nokunyuka kwemveliso yezolimo ngomkhamo omncinci.

2. Iipropati ze-LTC

Ngaba uyazi ukuba kunokwenzeka ukutyala imali kwicandelo lokhathalelo lwempilo ngeeREIT? Phakathi kweentlobo zepropathi, ii-REIT zokhathalelo lwempilo zezona zomelela ngamaxesha obunzima nokuba imeko ye-Covid-19 yonakalise isidima sabo ngandlel' ithile.

Ukuba unomdla, kutheni ungajongi kwi-LTC Properties, ekuphela kwe-REIT yokhathalelo lwempilo ukuhlawula isahlulo senyanga.

IiPropati ze-LTC yi-REIT engabanini kwaye ilawula malunga ne-180 yeendawo zokuhlala ezincedisayo. Ipotfoliyo ye-real estate yayo ilungelelaniswa phakathi kwezi ntlobo zimbini zokusekwa. Zisasazwe kuwo wonke amazwe angama-27 aseMelika kubasebenzi abangama-30.

Ukuqeshisa okanye iikhontrakthi zokurenta zizivumelwano zokuqeshisa kathathu. Oku kwenza kube lula ukuphucula ulawulo lweendleko kunye nokunciphisa umngcipheko wabaqhubi. Ukongeza, iiPropati ze-LTC zombini zingumnini wezindlu kunye nomphuhlisi.

Kwicala lemali, isahlulo seLTC Properties sigqithile kumgca obomvu kunye ne-FFO yentlawulo ye-89%. Isivuno sayo esiphakathi siphakathi kwe-5-6%. Nangona kunjalo, kufuneka uthathele ingqalelo intlekele ye-Covid-19 nangona iiPropati ze-LTC zingakhange zinciphise isahlulo sayo.

Ukuba ukhulisa i-sphere, asizukuthi kufuneka sibe yi-alarmist kakhulu. Kwelinye icala, inqanaba lokuhamba kwemali lizinzile. Ngakolunye uhlangothi, ukulinganisa kwamatyala ahloniphekileyo kwi-industry-intensive industry: ityala / EBITDA kwi-5,6 kunye netyala / i-equity kwi-86%.

IiPropati ze-LTC zinomqhubi wokukhula ongenakuphikiswa kumashumi eminyaka ezayo njengeminyaka yabemi. I-Baby Boomers, eyenza uninzi lwabemi bamazwe aseNtshona, baya kubona iimfuno zabo zempilo zanda. Ngoko ke kuya kubakho imfuno ebalulekileyo yokhathalelo lokonga kunye neendawo zokuhlala ezincediswayo. Eluncedo kwiiPropati ze-LTC. Ngenxa yokuba le mfuno iya kuba namandla ngenxa yeqela elikhulu labemi abangaphezu kweminyaka engama-80 ubudala, oku kunciphisa umngcipheko wokusilela kwerenti kunye nokuqeshisa okungenanto.

3. Unxibelelwano lukaShaw

I-Shaw Communications inomahluko wokudweliswa eCanada nase-United States. Masinyaniseke, oku kunqabile ukufumana umtyali-mali wesabelo.

Ehlabathini labaqhubi be-telecom, uqhele ukubhekisa kwi-AT&T, iVerizon e-United States kunye ne-BCE, iTelus eCanada ehlawula isahlulo ngekota. Kodwa ngesahlulo senyanga esinikezelwa nguShaw Communications, ukhawulezisa ukuveliswa komvuzo wakho.

I-Shaw Communications ngumqhubi wezonxibelelwano waseKhanada. Ishishini layo lijikeleza imisebenzi emibini, unxibelelwano olungenazingcingo kunye neengcingo. Inkampani yaseKhanada inikezela abathengi bayo (abantu ngabanye okanye amashishini) iinkonzo zefowuni ephathwayo, uqhagamshelo lwe-fiber optic kwi-Intanethi, ukubhaliswa kwevidiyo yesatellite, njl. Iingeniso ziveliswa ikakhulu eCanada kwaye zivela kwiinkonzo zabathengi.

I-Shaw Communications yatsala nzima kwisiqingatha sesibini se-2010 njengoko yayiguqula ishishini layo. Inkampani yaseKhanada ibifuna ukuphinda igxile kwishishini layo eliphambili, unxibelelwano, kunye nokuphuma kwimithombo yeendaba ethathwa njengengeyobuchule. NgoMatshi ka-2025, i-Shaw Communications inokuthengwa yinkampani ekhuphisana nayo uRogers, kodwa esi sicelo sokuthatha asikho ngamxhelo mnye ngoko asiqinisekanga ukuba siya kuphumelela.

Ngokwengqiqo, ukuvela kweenzuzo zayo kuye kwaguquka nokuba isiseko sababhalisi sandile. Ngaba kufuneka sibe nexhala malunga nengeniso yayo?

Ukukholelwa amehlo, hayi. Umlinganiselo wentlawulo ngokuqinisekileyo ungaphezulu kancinane kumgca obomvu kwi-81%. Ngakolunye uhlangothi, i-Shaw Communications yakwazi ukubuyisela inqanaba lokuhamba kwemali, emva koko yagcina inqanaba letyala phantsi kolawulo kunye netyala / EBITDA kwi-2,82. Ngaphezu koko, oku kuyayivumela ukuba ifumane umlinganiselo wotyalo-mali kwi-Standard & Poor's ukuze ikwazi ukufikelela ngokulula kwinkxaso-mali evela kwiimarike zezimali.

Nangona ukhuphiswano lwaseKhanada lukhuphisana kakhulu kwicandelo le-telecom, kukho indawo yokufumana isabelo semarike. Ukongeza, licandelo elixhathisa kakuhle ngexesha lokudodobala koqoqosho.

Ukwandiswa kwe-5G kunokuba yinzuzo kuNxibelelwano lweShaw. Ngengeniso yesahlulo esimalunga ne-3%, sisitokhwe sesahlulo esinomdla senyanga ukusibeka kwingxowa-mali yepotfoliyo. Nangona kunjalo, isivumelwano kunye noRogers kunokukhokelela ekunyamaleni kwayo kwimarike yemasheya ukuba abasemagunyeni bokhuphiswano bayayiqinisekisa. Ukuba oko akwenzeki, unethuba elikhulu lokutyala imali phakathi kwezabelo zenyanga.

4. Stag Industrial

Urhwebo lwe-Intanethi lusiko olusisiseko oluya kuqhubeka kumashumi eminyaka ezayo. Kancinci kancinci, ngokuthe ngcembe ifumana isabelo sentengiso kurhwebo lwenyama. Endaweni yokuthembela kubadlali abacocekileyo abanje ngeAmazon, Walmart, Ebay, Alibaba, JD.com, okanye abathwali be-FedEx kunye ne-UPS, banomdla kwi-Stag Industrial egxininisa inxalenye yengeniso yayo ngabaqeshi abasebenza kurhwebo lwe-intanethi.

I-Stag Industrial yi-REIT yemizi-mveliso egxile ekufumaneni nasekulawuleni irente kwimizi-mveliso ethengiswayo kumazwe angama-39 eU.S. Ipotfoliyo ye-real estate yayo yenziwe ikakhulu ngoovimba. Ibhalansi eseleyo inikezelwe kwimisebenzi yokuvelisa ukukhanya.

Ipotfoliyo yabaxumi bayo yahlukene ngokwentelekiso kwinqanaba lecandelo. Phakathi kwabathengi bayo bokuqala, sifumana i-Amazon, i-FedEx, i-Cotsco Wholesale kunye ne-DHL kwi-e-commerce, i-Ford kwiimoto, i-Perrigo Company kukhathalelo lwezempilo, i-Schneider Electric, i-XPO Logistics kwishishini, njl. Oku kunceda ukunciphisa umngcipheko wokusilela kwerenti.

Xa utyala imali kwi-REIT, kungaphezulu kwayo yonke into ukufumana izabelo rhoqo. Ngokuphathelele iSabelo seStag Industrial, ngokuqinisekileyo sehle ngo-2019 emva kweminyaka esi-7 ilandelelana yokunyuka. Oku kucaciswa kukuthengwa okunzima kwe-real estate okubangele ukuba bafumane ukuhla kwexesha elifutshane lokuhamba kwemali. Kodwa kwelinye icala, utyalo-mali lwayo yimithombo yokudala ixabiso lomnini-sabelo kwixesha elide.

Ngo-2020, inkampani yaseMelika yaphinda yaphinda yaya phambili ngaphandle kwengxaki ye-Covid-19. Ide yonyuka ngesenti yedola ngo-2020 nangona ingumfuziselo.

Ityala layo / i-EBITDA kwi-5,2 kunye ne-FFO yokuhlawula intlawulo kwi-72,8% ayiniki isizathu sokukhathazeka malunga nokuqina kwangoku kwe-dividend yayo. Ngaphezu koko, ixabiso layo lesitokhwe liphezulu kwimbali kwaye lenza ngcono kunomyinge wecandelo le-REITs kwixesha eliphakathi ukuya kwixesha elide.

I-Stag Industrial yonwabela isivuno esimalunga ne-4% kunye nesahlulo senyanga. I-REIT ngandlel 'ithile ibalulwe kakhulu ngenxa yokuba i-P/FFO yayo (elingana ne-PE kuluhlu lwezindlu ezithengiswayo) yi-18,5, okanye i-13% ye-avareji ye-P/FFO ye-REITs. Nangona kunjalo, oku akubizi mbuzo umgangatho wenkampani. Kungcono ukulinda i-pullback ukuyithenga ngexabiso elifanelekileyo.

Inyaniso yokuba i-Stag Industrial inepotfoliyo ye-real estate engenakufikeleleka kancinci kwi-vagaries yomjikelo wezoqoqosho yenza i-asethi exabisekileyo kumtyali-mali okhangela imbuyekezo ephezulu kunye neqinile. Ngaphaya koko, ukukhula kweentengiso kwi-Intanethi kuya kukhokelela ekwandeni kwemfuno evela kwiindawo zokugcina. Kukubheja okukhuselekileyo ukuba amagama amakhulu kurhwebo lwe-e-commerce aphucula inxalenye yeendleko zabo zokusebenza ngokurenta izitora kwiStag Industrial.

5. RealtyIncome

Sisabelo sesabelo senyanga wonke umntu afuna ukuba sesakhe. Ukusukela ngo-2020, ijoyine iklabhu ekhethekileyo ye-dividend aristocrats, oko kukuthi iinkampani zaseMelika ezonyuse izabelo zazo ubuncinci iminyaka engama-25 ilandelelana. Ngaphezu koko, kuphela kwesabelo sesabelo senyanga esinalo lungelo. Uyasiqonda isizathu sokuba abatyali-mali banomdla kuyo.

Ingeniso yeRealty yiREIT egxile kwiipropati zorhwebo ezenza i-84% yepotfoliyo yezindlu. Intsalela eseleyo isasazwe kushishino lonke (11,5%), ii-ofisi (3%) nezolimo (1,5%). Ukusasazwa kwendawo yepotfoliyo ye-real estate kugxininiswe kakhulu eUnited States kumazwe angama-49, ePuerto Rico naseUnited Kingdom.

Kwi-20 ephezulu yabaqeshi bokuqala abamele i-51% yerenti yayo, sifumana amagama amakhulu afana ne-Walgreens, i-7-Eleven, i-Dollar General, i-FedEx, i-Dollar Tree, i-Sainsbury's, i-Walmart, i-CVS Pharmacy, i-Tesco, i-Home Depot kunye ne-Kroger. Iikhontrakthi zokuqeshisa kunye nabaqeshi zi-triple-net-lease ngenjongo yokunciphisa inxalenye yeendleko zokusebenza kunye nokuzinika ithuba lokuhamba ukwenza ii-acquisitions ezifana ne-Vereit.

Oku kuxutyushwa komxumi kunye nepotfoliyo ye-real estate kubonisa ukuba kutheni i-Realty Income ilawula ukuvelisa rhoqo ukukhula kwi-FFO kunye nokuhamba kwemali, kwaye sele isasaza isahlulo esikhulayo ubuncinane iminyaka engama-25.

Nangona umlinganiselo wentlawulo ye-FFO uphezulu kuma-83,4%, iNgeniso yeRealty ikwazile ukuhlala ilawula ulawulo lwayo lwemali ukuze igcine ubume bayo besahlulo se-dividend. Umlinganiselo wamatyala ayo awunakukhathaza ii-arhente zokukala ezibanika umlinganiselo webakala lotyalo-mali.

Nangeyiphi ndlela, Ingeniso yeRealty yikhrimu yesityalo phakathi kwezabelo zenyanga ezinezabelo enkosi kwimbali yayo ekhethekileyo yokukhula kwesabelo. Ungayenza ilitye lembombo kwipotfoliyo yakho, unikezela ngebhalansi egqibeleleyo phakathi kwesivuno, umvuzo ophindaphindiweyo, kunye noxabiso lwenkunzi oluzinzileyo.

Ukuthenga nini ukufumana izabelo zenyanga?

Njengoko ezi ziinkampani ezihambisa i-dividend nyanga zonke, umbuzo wexesha lokuzithenga akufanele ube yinto ephazamisayo. Ekuphela kwento ekufuneka uyijonge kukugcina iliso kwikhalenda yomhla wokuthunyelwa.

Ukuba ufuna ukufumana isahlulelo, thenga isitokhwe phambi komhla wangaphambili. Nangona kunjalo, kuya kuba bubulumko ukwenza oko kwiimeko zemarike ezikufanelayo, oko kukuthi kumaxabiso afanelekileyo okanye kwi-bullish yobuchwephesha bobuchwephesha kwinqanaba letshathi.

Indlela yokuthenga iSahlulo sezabelo

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• Yenza idiphozithi yakho yokuqala
• Thenga izitokhwe ozifunayo
• Qokelela izabelo zakho minyaka le!

isiphelo

Izabelo zarhoqo ngenyanga zikunika amathuba awohlukeneyovantageezingabashiyi abatyali-mali bengakhathali. Okokuqala, ufumana umvuzo rhoqo ngenyanga. Ukuba nengeniso eyongezelelweyo yokuhlawula iindleko zakho kusoloko kwamkelekile. Okwesibini, banikezela ngembuyekezo ephezulu kunomyinge wemarike kunye nokunyuka kwamaxabiso. Kwanele ukuhlawula ngokuyinxenye ilahleko yexabiso lemali kunyaka ngamnye.

Nangona kunjalo, utyalo-mali kwii-dividend stocks zenyanga alumeli ukhuseleko loluntu. Basemngciphekweni ngakumbi xa kuthelekiswa namaxabiso aphambili epotfoliyo afana noJohnson & Johnson, Air Liquide, Coca-Cola, Pepsico, njl. Lindela ukucuthwa kwezabelo ngesiquphe okanye ukupheliswa ngowona mlilo umncinci. Kungoko kubalulekile ukuba ukhethe. Kutheni ungabi neliso elibukhali kwi-5 ephezulu ye-dividend stocks yenyanga.

Ukuba siyibeka ezicathulweni zakho, kunengqiqo ukunikezela ipesenteji encinci yepotfoliyo yakho ngokukhetha ii-REIT ezibonakala ziqhelekile kubatyalo-mali abathengisayo.