| [: Ʒ Ư ũ(valuewalk.com) 2023 1 10 Դϴ. ֽĿ ǰ Դϴ.]
غϴ ð , ʿϴ. ÷̼ з ߵǰ ִ ش ̸ ϱⰡ Ư ƴ. ÷̼ ڿ ڿ , 츮 ϴ ͺٴ ϴ. ÷̼ ȭ ġ ϰ, ̴ ٽ Һ ŷ ȭŲ. 嵵 Ÿ ϰų ȭ . Ư ũ ϴ. ̱ , 10 Ļ û ټ ߰, ȮǼ ӵɼ ġ ̴. ڵ Ŀ ϱ ƴϴ. 25% ̷ ̴µ, ڴ ũ ϰ ȴ.
ེ ̵ ڿ ν 2 Ǿٴ ̴. ༼ ұϰ ں忡 ԵǴ ٴ ̸ ش. , (Ư ʺ ڵ) , ETF, ߾ ݵ尡 شٴ ˰ ְ, ̷ ڻ α⸦ .
̷ ο θ鼭, ݿ ˾ƾ ٽ , 츮 ִ 캸.
нú( )̴
ֽĽ忡 ϱ ڽ ǥ ؾ Ѵ. ڽ ϴ ˸ ڻ Ǹ нú(passive income: ; ʾƵ ϴ ) ִ. ڻ ϴ ƴ϶ ˾ƾ Ѵ.
츮 ̱ ﰢ ø ִ ܱ Ÿڰ ִ. ֽ̳ ETF żؼ ŵϴ ְ, 츮 켱 ƴ ִ. . ְ Ⱦϰų ϶ ﰢ 븮 ̷ ܱ ŸŴ ȿ ִ.
ֽ ܱ ŸŸ ؼ ְ ϰ ŷ ľؾ Ѵ. ż ŵ ϱ ã ִ. ä, ݿ(money market accounts: MMA), Ź ٸ ܱ ڻ 쿣 м Ÿű ʿ .
ڵ鿡 ϴ ֽİ ETF 뵿 ʾƵ ִ нú ش. ̷ ֽİ ETF 鿡 ǰ̴. ̷ ǰ ϱ ڻ ȴ.
ڰ ִ ֵ鿡 йǴ ȸ Ϻκ̴. , б, ݱ, ִ. ȸ ȸ , ǹ ƴϱ ȸ簡 ؾ ϴ ƴϴ. ⺻ 츮 ˾ƾ ֿ .
- ݹ(Cash Dividend)
ݹ ̴. Ϲݹ ֱ Ǹ, Ư Ͻ ȴ. ȸ簡 ȣȲ̰ų ʰ ÷ Ư ϴ 찡 .
ϱ ֽ ˾ƾ Ѵ. 켱ֿ Ǵ 켱 Ϳ ȴ(ִ 켱 ). 켱ִ 翡 켱 ֱ 켱 ֵ ֵ麸 ´.
ִ µ, ȸ Ǵ ̴. ֽĽ忡 ֿ Ÿڴ ̱ ϴ. ֵ ȸ ڷᳪ ø ִ.
- ֽĹ(Stock Dividend)
ݹ ȸ ĥ ִ. ں äȯ ǹ ϰ 帧 ϱ ִ. ݺ ֽ · ִ. ֽĹ ڵ ڰȹ(automatic dividend reinvestment plan: DRIP) ̱ Ѵ.
ֽĹ絵 ݹó Ϲݹ Ư ִ. ֽĹ ߰ ֽ 尡 ٷ ŵ ֱ ﰢ ش.
ֽĹ ֽĺ( ֽĺ) ٸ. ֽĹ ְġ , ֽĺ ȸ簡 ֽ øų(ֽĺ) ̴(ֽĺ) ̴. ֽĺ ֽ ġ, п ȭ ְġ ƹ ġ ʴ´.
- ǹ(Scrip Dividend)
ǹ ̶ ϸ, Ӿ · Ǵ Ѵ. ȸ簡 ϴµ ʿ ϴ 찡 ִ.
- (Property Dividend)
ٸ ȭ ̴. 尡 Ѵ.
- û(Liquidating Dividend)
ֵ ں ֱ û ִ. û ûǰų α ϴ 찡 .
, ̸ غؾ
ź ط DZ , ̱ 30% ϰ ִ. ̵ Ǵ ڱݰ ȸ忬 ʿ Ȱ ִٰ Ѵ. ŸԵ ڵ Ȱ ʿ ױ ڱݿ Ȯ ϰ ִ. ̶ ڽ ìܾ Ѵ.
øų нú Ȯϱ⸦ Ѵٸ ڸ ϴ . ŷ ִ Կ ϴ ̴ֽ. ߿ Ȱ ٷ غ ؾ Ѵٴ ̴. ڽ̵ , ڽ (帧) ǰ ؾ Ѵٴ ؾ Ѵ.
ʿ Ǵ϶
ڵ ū Ǽ ϳ Ȱ ʿ Ѵٴ ̴. ڽ ִ ⺻ ʿ並 Ű δ ʴ. Ⱓ ְ, ̰ 鼭 ִ. 迡 , ڵ Կ Ȯ 2 ̴̻. 迡 , 75% Ȱ ϸ鼭 , ä ִ.
Ǵ Ƿ ԽѾ Ѵ. ɾ(65 ̱ ǰ)δ ϴٰ ؾ Ѵ. ȸ忬(ѱ οݿ ش) Ȱ ϴµ ִ. ڱݿ ݵ ؾ Ѵ. ̷ ϸ, ڽ ִ ܿ ʿ ִ.
4% Ȱ
ڽ ڱݿ ų 4% Ȱ , ϶ 4% Ȱ ϴ 뷫 ǿ ̴. ڵ 4% Ȱ ڽ ڱݿ ų ؾ ݾ ִ. 4% 帧 ν ϴµ ش. 1926~1976 ֽ ä ͷ ̴. Ϲ ݰ ä ڷ ȴ. ̸ ڴ ų ڱ ִ.
̴ ó ٸ ִ. ־ ó 4% ƴ϶ 5% ְ, ݸ ߱ ؼ 3% ϴ 鵵 ִ. Ȯ ؼ ڽ 뵵 ؾ Ѵ.
ұϰ, 뿡 ϱ ڻ ŵϱ⺸ٴ ڻ ϸ鼭 ڻ꿡 нú Ȯϴ ξ . Ȱϴ ϴ. Ҿ, ڻ ġ شȭ ִ ȸ ְ, âϴ Ժ ϴ ν ڽ ڻ ִ.
ɷ Ǵ
Ʈ л ڽ ڱ ø ִ Ǹ ̴. ֽĿ , ﰢ ں ŸŸ ϰų(Ÿ), ϴ ֽ () ִ. ڴ ְ ʾƵ ش.
߱Ѵٸ Ĩ ֽ ż ִ. Ĩ ֽĵ ð ģ ֽĵ, Ƴ ִ ֽĵ̴. Ѵٸ, ִ. ڴ ݴ Ȯؾ Ѵ.
ݴ Ȯϱ ؼ 繫ǥ Ȯؾ Ѵ. 帧ǥ ϰ ִ ɷ ִ Ǵؾ Ѵ. ̷ Ǵܰ Բ EBITDA ä ִ ø ִ Ȯؾ Ѵ. ں 쿡 ̷ 繫ǥ 繫ǥ ߿ϴ. ִ ݴ ϰ ִ ص, ִ Ǵؾ Ѵ.
⺻ 缺 Ϳ Ǵ ݾ Ȯ ִ. 缺 , 帧 ִ. 帧 ݰŷ ִ ̱ ǿ̶ ϴ 鵵 ִ. 帧 ں ϸ, (, 帧) ִ. ϴ ִ ɷ ִٴ Ȯߴٸ, ŷ Ǵؾ Ѵ.
强(缺) Ǵ
, ä ڿ ֽ ð 鼭 ϴ ִ. ֽĽ ϱ , . 强 Ǹ ڻ ؾ ٽ ϳ.
2 ߴ߰, Ϻδ ʾҴ. ٷ ҵ Ÿݿ ߵ ִ ã ߿ϴ. μ ÷̼ з¿ ϰ ֱ ٽ ִ.
ڵ ұϰ ָؾ Ѵ. ̷ 鿡--S&P 500 ߿ 25 ̻ λ-- Ǹ ִ. S&P 500 ߿ 25 λ , S&P 500 ʴ ߿ ̿ Ȥ ϴ ִ.
, Ʈ ִ , 5, 10, Ȥ 25 缺 Ȯϸ, ߴ Ȯ ִ.
ͷ Ǵ
̷ ؼ Ǹ ֵ ãƳ´ٸ, ܰ. ֽ żϱ ֽ ְ ŭ ġ ִ Ȯؾ Ѵ. ̸ Ȯϴ ͷε, ͷ ְ ִ ǥ.
Ǹ ͷ̶ ִ , ֳθƮ ּ 2% ͷ õϰ ִ. S&P 500, 400, Ȥ 600, ǰŷ Ȯϴ . ͷ Ҽӵ ͷ ִ.
ͷ ְ ãµ ش. θ ֽİġ ϳ, 缺, ͷ, , ڱں ֽİġ ϰ ִ.
ڻ
繫 ɷ 賻(risk tolerance) ģ. ʹ ʾٰ ̶ ؼ ڽ ¸ Ҹ ؾ Ѵ. ڽ () ٱ(ڻ) ڻ鿡 ˰ ϴ . ڿ ڻ .
- ֽ(Stocks)
ֽĽ α ְ, ڵ ϴ ̴. Ϲ ڵ ϴ ִ ް 缺 縦 ̴. ¶ Ÿ ֿ .
S&P 500 ̸鼭 25 ̻ λ ̶ ϰ, S&P 500 ̿ ̸鼭 25 ̻ λ èǾ̶ Ѵ. 2022 3б ǰŷҿ ڿ 147 èǾ ִ. 10~24 λ (dividend contender), 5~9 λ 絵(dividend challenger) Ѵ. ĺ ִ.
- ߾ݵ(Mutual Funds)
߾ݵ嵵 ڵ ϴ ڻ̴. ߾ݵ嵵 ִµ, ڴ ߾ݵ带 ̿ ָ żϰ ȴ. ߾ݵ øų Ḧ ڵ鿡 Ѵ. ߾ݵ忡 ϴ ֽ ڰ ȴ.
- ݵ(ETF: Exchange Traded Funds)
߾ݵó ETF Ѵ. ߾ݵ ٸ ִٸ, ETF ó ֽĽ忡 Ǿ Ÿŵȴٴ ̴. ETF ڵ鿡 ϴµ, ڵ鿡Դ ֿ ϴ ETF ϴ.
- (Real Estate Investment Trusts)
(εڽŹ) âϴ ε ϰ ( ʿ) ڱ ϴ ̴. ڻ ̱ ߾ݵ ϴ. , ڱ ִ. ε ż, , Ȥ ڱ ʰ ν ø ִ. ں ü ʴ´ٴ ̴.
- ڻ鿡 ص
ӿ Ȱϴ ƴ ̴. غϰ, װ, ϰ Ʈ лϸ, ũ ϰ ̴. ߿ ֽİ ڻ ϴ ̴. ڽ ִ ũ ذ ڽ â ִ Ǵ ִ. <>
* ó: ũ 콺(Chris Porteous), ۷ι ü <ġ(SearchEye)> CEO, Ʈ(Entrepreneur), 꽺(Forbes) , "All You Need To Know About Living Off Dividends," 2023 1 10, https://www.valuewalk.com/all-you-need-to-know-about-living-off-dividends/
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