Xyoo no yuav luag txhua yam kev ruaj ntseg tau poob qis - xov xwm tsis zoo yog tias koj saib koj cov ntaub ntawv muaj nqis txhua hnub thiab nyuaj pw hmo ntuj. Ntawm qhov tod tes, nws yog xov xwm zoo yog tias koj tab tom nrhiav nyiaj tau los.
Vim tias cov paj laum nce siab txhais tau tias poob nqi rau cov ntawv cog lus thiab cov khoom lag luam nyiam. Rau cov nyiaj tau los-taw qhia txog kev nyab xeeb, tus nqi qis txhais tau tias cov txiaj ntsig siab dua rau cov tub ua lag luam uas yuav tam sim no thiab tej zaum - lossis tej zaum - ntau dua peev nce hauv txoj kev.
Xyoo no tau ua phem rau cov nyiaj uas nqis peev hauv cov ntawv cog lus thiab cov khoom lag luam nyiam. Tab sis txhua tus neeg ua lag luam cov nyiaj tau los yuav tsum cia siab tias cov txiaj ntsig kev lag luam yuav txav mus rau qhov sib txawv ntawm cov paj laum. Cov cuab yeej no tsuas yog tsim nyog rau cov tub ua lag luam mus sij hawm ntev uas xav tau nyiaj tau los. Lawv tsis yog tsim los kom tau txais txiaj ntsig sai.
Invesco Nyiaj Txiag Nyiam ETF's
PGF,
-0.13%
tus nqi sib koom yog nqis 20% hauv 2022. Nws them nyiaj faib tawm txhua hli uas tau oscillated ntawm 7.1 thiab 7.2 xees ib feem ntawm xyoo dhau los. Yog tias peb mus nrog 7.1 xees thiab tus nqi kaw ntawm $ 15.04 thaum Lub Cuaj Hli 28, qhov txiaj ntsig tam sim no rau tus neeg ua lag luam tshiab yog 5.66%. Thaum kawg ntawm 2021, raws li tus nqi kaw ntawm $ 18.82, qhov txiaj ntsig tam sim no yog 4.53%.
Yog li PGF tau dhau los ua kev nqis peev zoo dua. Tab sis koj tuaj yeem txiav txim siab tuav koj tus kheej cov khoom lag luam nyiam - koj tuaj yeem tuav lawv ntev npaum li koj nyiam thiab muag lawv kom tau txais lossis poob, nrog rau yav dhau los yuav muaj ntau dua tom qab tus nqi rau cov khoom lag luam qub tau nqis qis dua lub ntsej muag - muab koj muaj kev qhuab ntuas kom tuav tau ntau xyoo.
Hauv qab no yog cov ntsiab lus thiab cov peev txheej, ntxiv rau ob daim ntawv teev npe ntawm cov khoom lag luam nyiam, los muab cov piv txwv ntawm txoj kev nrhiav nyiaj tau los tuaj yeem ua kom zoo dua ntawm cov luv nqi tam sim no.
Cov nyiam sib koom ntawm JPMorgan Chase
Piv txwv li, JPMorgan Chases's
JPM,
-1.69%
Preferred Tshuag Series JJ tau tshaj tawm ntawm tus nqi sib npaug ntawm $ 25 thaum Lub Ib Hlis 2021, ntawm qhov nyiaj faib tawm ntawm 4.55%. Thaum kawg ntawm 2021, tus nqi kaw yog $ 26.23, uas txhais tau hais tias yog ib tus neeg ua lag luam yuav cov khoom ntawm tus nqi ntawd, cov txiaj ntsig tam sim no tsuas yog 4.34%, thiab yog tias cov khoom xav tau raug txhiv, tus neeg ua lag luam nws thiaj li yuav tau txais qhov poob ntawm $1.23 ib share.
Ceev ceev rau lub Cuaj Hlis 28, thiab JPM Series JJ tau poob rau $ 19.02 ib feem. Yog tias koj nkag mus rau ntawm tus nqi ntawd, koj cov txiaj ntsig tam sim no yuav yog 5.98%, thiab yog tias cov nyiaj tau txais txiaj ntsig thaum kawg, koj qhov nce yuav yog $ 5.98 ib feem.
Hauv tsab ntawv ceeb toom rau cov neeg siv khoom thaum Lub Cuaj Hli 7, Odeon Capital tus kws tshuaj ntsuam Richard Bove tau piav qhia tias nws muaj "tuav" kev ntaus nqi ntawm JPM cov kev sib koom, tab sis pom zoo kom yuav lub tuam txhab cov khoom nyiam.
Nyiam cov nqe lus Tshuag
Ua ntej qhia koj qhov twg kom tau txais cov ntaub ntawv, ntawm no yog qee cov ntsiab lus ntawm cov lus koj yuav xav tau rau koj tus kheej kev tshawb fawb rau hauv cov khoom lag luam nyiam.
Txhua tus neeg ua lag luam tuaj yeem yuav cov khoom lag luam nyiam. Txhua yam koj xav tau yog tus account brokerage.
Ib qho khoom lag luam nyiam txawv ntawm ib qho khoom lag luam uas nws tus tswv tsis muaj cai pov npav. Cov tswv lag luam nyiam kuj tseem muaj kev nyiam tshaj cov tswv lag luam hauv cov xwm txheej uas lub tuam txhab tau ua tiav. Txhawm rau ua kom yooj yim, yog tias lub tuam txhab poob lag luam thiab raug tshem tawm, cov tswv lag luam tau them nyiaj ua ntej, cov tswv lag luam nyiam thiab tom qab ntawd cov tswv lag luam.
Ib lub tuam txhab yuav muaj ntau yam teeb meem xav tau. Cov tub lag luam yuav cov khoom lag luam nyiam rau cov nyiaj faib, ib yam li lawv yuav yuav cov ntawv cog lus rau cov nyiaj tau los paj. Cov nyiaj faib uas nyiam yog feem ntau them txhua lub hlis twg.
Cov ntsiab lus tseem ceeb:
los ntawm - Qhov no yog tus nqi ntawm cov khoom uas nyiam tshaj tawm. Nws feem ntau yog $ 25 tab sis tuaj yeem yog $ 100 lossis lwm tus nqi. Tus nqi par zoo ib yam li lub ntsej muag tus nqi ntawm daim ntawv cog lus. Nws yog dab tsi tus neeg ua lag luam yuav tau them yog tias cov khoom lag luam nyiam raug txhiv los ntawm lub tuam txhab muab. Ib yam li daim ntawv cog lus cov txiaj ntsig kev lag luam hloov pauv, cov nqi sib koom nyiam hloov pauv, feem ntau nyob rau hauv qhov sib txawv ntawm cov paj laum hauv kev lag luam. Nyob rau hauv ib puag ncig tam sim no, nrog cov paj laum nce, ntau cov khoom lag luam nyiam tau ua lag luam ntawm cov luv nqi rau par.
Hwm / luv nqi - Qhov sib txawv ntawm cov khoom lag luam nyiam tam sim no thiab tus nqi sib tw.
Daim coupon - Cov khoom lag luam nyiam tshaj tawm tau hais tawm, raws li tus nqi sib tw. Qhov no feem ntau yog tus nqi ruaj khov, tab sis ntau tus neeg lag luam loj tau kho-rau-floating-tus nqi nyiam cov khoom lag luam, uas tej zaum yuav zoo nyob hauv ib puag ncig tam sim no. Nyob rau hauv cov npe hauv qab no peb lo nrog tus nqi ruaj khov, rau kev yooj yim. Daim coupon ruaj khov yuav muab tso rau hauv qhov nyiam qhov teeb meem lub npe.
Dividend tus nqi - Cov nyiaj tau los tau muab faib ua tus nqi sib npaug. JPMorgan Chase's Preferred Stock Series JJ tau tshaj tawm thaum Lub Peb Hlis 10, 2021, ntawm tus nqi sib tw ntawm $ 25 nrog 4.55% daim coupon. Cov nyiaj faib txhua xyoo yog $ 1.1375.
Tam sim no tawm los - Tus nqi faib nyiaj txhua xyoo muab faib los ntawm tus nqi lag luam tam sim no. JPMorgan Chase's Preferred Stock Series JJ tau kaw ntawm $ 19.02 thaum Lub Cuaj Hli 28. Qhov ntawd ua rau cov txiaj ntsig tam sim no ntawm 5.98%.
Tsim nyog cov nyiaj faib - Cov no yog cov nyiaj faib uas rau cov tub ua lag luam Asmeskas tau them se ntawm cov nqi qis dua lawv cov nyiaj tau los-tax se. Piv txwv li, ib khub niam txiv cov nyiaj tau los ntawm tsoomfwv cov nyiaj tau los ntawm cov nyiaj tau los uas tsim nyog xoom yog tias lawv cov nyiaj tau los txhua xyoo yog $ 83,350 lossis tsawg dua, thiab tus nqi yog 15% yog tias lawv cov nyiaj tau los yog $ 517,200 lossis tsawg dua.
Hnub hu - Hnub uas tus neeg xa khoom tuaj yeem txiav txim siab seb puas yuav txhiv cov khoom xav tau. Tus neeg xa khoom tuaj yeem txhiv tau qee lossis tag nrho cov kev nyiam ntawd txhua lub sijhawm pib ntawm hnub no. Yog tias cov paj laum qis dua li qhov lawv xav tau thaum cov khoom lag luam xav tau tshaj tawm, tus neeg tawm tswv yim yuav txhiv tau. Nyob rau hauv ib puag ncig tam sim no, nrog cov paj laum tau nce sai heev, kev txhiv dim tsis zoo li. Tab sis cov tub ua lag luam uas tau txais txiaj ntsig los ntawm kev txo nqi niaj hnub no yuav muaj qee yam tos ntsoov rau thaum lawv txaus siab rau cov nyiaj tau los siab - Tebchaws Asmeskas kev lag luam yuav tsis loj hlob ntawm kev nrawm mus ib txhis. Thaum kawg cov paj laum yuav nqis los dua thiab tom qab ntawd cov nqi nyiam-cov khoom lag luam yuav nce siab heev.
Hnub yug - Hnub uas cov koob nyiam yuav raug txhiv tag. Niaj hnub no, cov khoom lag luam nyiam tshaj plaws yog "perpetual," uas txhais tau tias tsis muaj hnub kawg, txawm hais tias feem ntau yog hnub hu. JPMorgan Chase's Preferred Stock Series JJ yog ib qho kev nyiam tshaj plaws nrog rau lub Rau Hli 1, 2026, hnub hu.
Cumulative/tsis-cumulative - Tus tshaj tawm cov khoom lag luam xav tau yuav raug yuam kom ncua nws cov nyiaj faib ntawm ib lossis ntau qhov kev nyiam yog tias nws muaj teeb meem nyiaj txiag. Yog tias cov khoom lag luam xav tau sib sau ua ke, cov nyiaj faib tawm raug tshem tawm yuav ua rau hauv cov nyiaj tshuav yuav tsum tau them tom qab thaum (lossis yog) cov nyiaj faib rov qab. Cov tsev txhab nyiaj thiab cov tuam txhab tuav pov hwm teeb meem tsis suav nrog cov khoom lag luam vim tias cov neeg tswj hwm xav kom lawv muaj qhov yooj yim ntawm kev ncua cov nyiaj faib tawm thiab tsis txhob ua rau lawv, thaum muaj teeb meem nyiaj txiag lossis nyiaj txiag nyuaj. Nws yog qhov tsawg heev rau tus neeg lag luam-qib cov lag luam kom tsis txhob them cov nyiaj faib khoom uas nyiam.
Kev Ntsuas Qhov Ntsuas - Cov khoom lag luam nyiam muaj cov qhab nia credit, ib yam li daim ntawv cog lus ua. Qee qhov tsis raug ntsuas. Hauv ob daim ntawv teev npe hauv qab no, txhua qhov teeb meem muaj kev nqis peev-qib los ntawm Moody's thiab / lossis Standard & Poor's. Kev ncaj ncees tawg cov koom haum ratings hierarchy.
Qhov twg los nrhiav cov khoom lag luam nyiam
Koj tus broker ntawm tus kws pab tswv yim peev yuav muaj cov npe lossis cov cuab yeej muaj los pab koj xaiv cov khoom lag luam nyiam. Tab sis koj tuaj yeem saib lawv ntawm koj tus kheej. Lub hom phiaj ntawm qhov kev sib tham no tsis yog xav kom koj yuav cov khoom lag luam nyiam, lossis ib qho tshwj xeeb, tab sis qhia koj yuav ua li cas kom tau txais cov ntaub ntawv yog tias koj xav ua koj tus kheej kev tshawb fawb hauv thaj tsam ntawm cov nyiaj tau los ntawm kev nqis peev uas tsis dav dav.
QuantumOnline yog qhov chaw pub dawb rau cov tub ua lag luam (uas txhawb nqa nrog cov nyiaj pub dawb), uas teev cov nyiaj tau los pauv pauv kev nyab xeeb, suav nrog cov khoom lag luam nyiam. Rau txhua qhov kev ruaj ntseg, nws suav nrog kev txuas mus rau daim ntawv tshaj tawm, lub sijhawm them nyiaj faib nyiaj thiab ntau cov ntaub ntawv ntxiv. Daim ntawv tshaj tawm yuav nkag siab tob rau hauv cov credit yam ntawm cov nyiam series - ib lub tuam txhab nrog ob peb yuav muaj kev txiav txim pecking ntawm cov teeb meem uas nyiam yog tias nws yog liquidated.
Ib txoj hauv kev yooj yim los pib yog nyem "cov nyiaj tau los", thiab tom qab ntawd xaiv cov npe. Yog tias koj xaiv "Tag nrho-Exchange-Traded Income Securities," daim ntawv teev npe yuav suav nrog tag nrho cov khoom lag luam nyiam, nrog rau lwm yam kev nyab xeeb uas tsis tau them rau ntawm no, suav nrog kev sib pauv pauv cov ntawv cog lus, hu ua "cov ntawv cog lus me me," uas ua lag luam nrog cov nqi sib npaug tej zaum yuav yog $25.
Txhawm rau nqaim daim ntawv teev npe, koj tuaj yeem xaiv "Txhua Cov Khoom Muag Zoo Tshaj Plaws," lossis koj tuaj yeem mus ntxiv, xaiv "cov nyiam tsim nyog rau 15% tus nqi se," uas peb tau ua rau kab lus no.
QuantumOnline ceeb toom tias tsis muaj kev lav phib xaub kom raug kwv yees tias cov tuam txhab nyiam cov nyiaj faib yuav raug suav tias yog "cov nyiaj tau txais txiaj ntsig" (txhais tau hais saum toj no). Ib qho laj thawj yog vim li cas yog tias lub tuam txhab muaj lub xyoo tsis tau txais txiaj ntsig thiab tsis them se ntawm tsoomfwv cov nyiaj tau los, nws cov nyiaj tau los yuav tsis raug suav tias yog "tsim nyog" xyoo ntawd los ntawm Internal Revenue Service.
Yog li qhov no yog txoj hauv kev zoo tshaj plaws los txheeb xyuas 469 cov khoom lag luam nyiam uas them cov nyiaj tau los tsim nyog.
Cov piv txwv nyiam - xya tus neeg tshaj tawm
Ntawm no yog ib qho kev xaiv ntawm xya cov khoom lag luam uas xav tau los them cov nyiaj tau txais txiaj ntsig, tag nrho cov uas tau pauv pauv ntawm New York Tshuag Txauv. Cov npe suav nrog cov peev nyiaj tau los ntawm kev txhiv dim, raws li cov nqi sib koom thiab cov nqi tam sim no. Nws kuj suav nrog cov kev xav rov qab los hu rau hnub.
Tag nrho cov khoom lag luam no muaj kev nqis peev-qib thiab $ 25 tus nqi sib npaug, yog li cov ntaub ntawv tsis suav nrog. Tag nrho cov nyiaj faib tsis suav nrog thiab tsis muaj ib qho ntawm cov nyiam no muaj hnub kawg. Yog li cov npe ntawm cov teeb meem tau luv luv kom haum rau hauv lub rooj.
Ntawm no lawv yog, txheeb los ntawm cov nyiaj faib tawm tam sim no:
| Xum cov khoom lag luam | NYSE Ticker | Daim coupon | Hnub hu | Cuaj hlis 28 nqe | Tam sim no tawm los | Capital nce yog hu ua | Rov qab yog tias hu rau hnub hu | Rov qab txhua xyoo yog tias hu rau hnub hu |
| Morgan Stanley 6.50% Series P | MS-P | 6.500% | 10/15/2027 | $25.20 | 6.45% | - $ 0.20 | 31.77% | 6.29% |
| JPMorgan Chase & Co. 4.55% Series JJ | JPM-K | 4.550% | 6/1/2026 | $19.02 | 5.98% | $5.98 | 53.43% | 14.53% |
| Charles Schwab Corp. 4.45% Series J | SCHW-J | 4.450% | 6/1/2026 | $18.63 | 5.97% | $6.37 | 56.15% | 15.27% |
| KeyCorp 5.65% Series F | KEV-J | 5.650% | 12/15/2023 | $23.71 | 5.96% | $1.29 | 12.67% | 10.44% |
| Allstate Corp. 4.750% Series I | Txhua-Kuv | 4.750% | 1/15/2025 | $20.03 | 5.93% | $4.97 | 38.46% | 16.71% |
| Cullen/Frost Bankers Inc. 4.45% Series B | CFR-B | 4.450% | 12/15/2025 | $18.83 | 5.91% | $6.17 | 51.77% | 16.10% |
| MetLife 5.625% Series E | MET-E | 5.625% | 6/15/2023 | $23.88 | 5.89% | $1.12 | 8.88% | 12.47% |
| Qhov chaw: QuantumOnline, New York Tshuag Txauv |
Qee cov ntaub ntawv hais txog cov ntaub ntawv:
- Cov tickers hauv cov npe yog cov uas siv los ntawm New York Tshuag Txauv. Koj tus broker tej zaum yuav muaj ib hom ntawv sib txawv me ntsis rau cov nyiam.
- "Capital nce yog hu ua" yog ib daim duab ruaj khov, raws li cov khoom lag luam nyiam no yuav raug txhiv ntawm par.
- Qhov "rov qab yog hu rau hnub hu" thiab "ntau xyoo rov qab yog tias hu rau hnub hu" yog qhov kev xav. Tom qab peb mus txog hnub hu, lub tuam txhab yuav txiav txim siab thaum twg los tau. Qhov kev txiav txim siab ntawd yuav yog nyob rau hauv ib feem ntawm seb cov paj laum tam sim no siab dua li qhov lawv tau ua thaum cov khoom xav tau tshaj tawm. Uas tau hais tias, qee qhov teeb meem no tau hu cov hnub txaus kom paub tias nws muaj peev xwm cov paj laum yuav qis dua li tam sim no. Cov kev suav no yog ua raws li cov hnub hauv hnub kom txog rau thaum hnub hu tau hloov kho rau 360-hnub xyoo ua raws li cov nyiaj faib tawm peb lub hlis twg.
- Lub Morgan Stanley
Ms,
-1.98%
6.50% Series P saum toj kawg nkaus cov npe nrog cov txiaj ntsig siab tshaj plaws tam sim no, tab sis qhov ntawd yog 6.45% - hauv qab daim coupon - vim tias cov shares tau ua lag luam ntawm tus nqi rau par. Cov tub ua lag luam uas xav tau qhov txiaj ntsig siab tshaj plaws tam sim no rau cov khoom lag luam uas tsis ntev los no-qib nyiam cov khoom lag luam feem ntau yuav them tus nqi them. - Lub Cullen / Frost Bankers Inc.
CFR,
-0.81%
4.45% Series B ua lag luam ntawm qhov luv nqi tshaj plaws ntawm thawj daim ntawv teev npe no - $ 6.17, rau 33% nce yog tias thiab thaum twg cov shares raug txhiv. Charles Schwab Corp.
SWV,
-0.83%
4.45% Series J kuj raug txo nqi ntau. Lub caij no, cov txiaj ntsig tam sim no ntawm ob qho teeb meem rau cov neeg lag luam tshiab tsis yog qhov phem thaum piv nrog cov txiaj ntsig ntawm 3.38% rau 10-xyoo US Treasury sau ntawv
TUBMUSD 10Y,
3.787%. - Lub MetLife
MET,
-1.28%
5.625% Series E nyiam sib koom ua lag luam ntawm tus nqi luv luv vim tias lawv cov daim coupon kuj siab heev. Hnub hu yog qhov sai tshaj plaws ntawm daim ntawv teev npe - Lub Rau Hli 15, 2023.
Xya ntxiv los ntawm ib tus neeg tshaj tawm
Nws tuaj yeem nthuav kom tig los ntawm cov nyiam series ntawm ib tus issuer. JPMorgan Chase muaj 11 qhov teeb meem nyiam.
Nov yog First Republic Bank's
FRC,
-2.34%
xya qhov teeb meem nyiam, tag nrho cov uas muaj peev-qib ntsuam xyuas los ntawm Moody's thiab Standard & Poor's. Cov khoom lag luam nyiam yog txheeb los ntawm cov txiaj ntsig tam sim no:
| Xum cov khoom lag luam | NYSE Ticker | Daim coupon | Hnub hu | Cuaj hlis 28 nqe | Tam sim no tawm los | Capital nce yog hu ua | Rov qab yog tias hu rau hnub hu | Rov qab txhua xyoo yog tias hu rau hnub hu |
| 5.125% Series H | FRC-H | 5.125% | 6/30/2022 | $20.53 | 6.24% | $4.47 | N / A | N / A |
| 4.50% Series N | FRC-N | 4.500% | 12/31/2026 | $18.32 | 6.14% | $6.68 | 62.62% | 14.70% |
| 4.70% Series J | FRC-J | 4.700% | 12/31/2024 | $19.19 | 6.12% | $5.81 | 44.12% | 19.52% |
| 4.25% Series L | FRC-L | 4.250% | 3/30/2026 | $17.57 | 6.05% | $7.43 | 63.48% | 18.12% |
| 4.0% Series M | FRC-M | 4.000% | tsis muaj leej twg | $16.58 | 6.03% | $8.42 | N / A | N / A |
| 5.50% Series I | FRC-I | 5.500% | 6/30/2023 | $22.82 | 6.03% | $2.18 | 14.09% | 18.70% |
| 4.125% Series K | FRC-K | 4.125% | 10/30/2025 | $17.12 | 6.02% | $7.88 | 64.64% | 20.92% |
| Qhov chaw: QuantumOnline, New York Tshuag Txauv |
Series M shares tsis muaj hnub hu. Lawv kuj muaj daim coupon tsawg, uas txhais tau hais tias cov paj laum yuav tsum tau qis tiag tiag rau lawv kom tau txais kev txhiv dim.
Qhov no qhia txog kev pheej hmoo ntawm kev sib raug zoo ntawm daim coupon thiab tus nqi lag luam. Feem ntau hais lus, qhov qis dua daim coupon, qhov luv nqi ntau dua. Tab sis yog tias koj tab tom nrhiav rau phau ntawv nce, tsis txhob cia siab tias hu rau par. Nws yuav ua rau muaj kev nkag siab ntau dua kom tsis txaus siab thiab phau ntawv nce los ntawm kev muag ntawm tus nqi qis dua, tab sis siab dua qhov koj tau them.
Nco tsis tau: 22 cov nyiaj faib tawm tau tshuaj xyuas kom zoo thiab kev nyab xeeb
Tau qhov twg los: https://www.marketwatch.com/story/dividend-yields-on-preferred-stocks-have-soared-this-is-how-to-pick-the-best-ones-for-your-portfolio- 11664454510?siteid=yhoof2&yptr=yahoo
Dividend yields ntawm cov khoom nyiam tau nce siab. Nov yog yuav ua li cas xaiv qhov zoo tshaj plaws rau koj cov ntaub ntawv.
Xyoo no yuav luag txhua yam kev ruaj ntseg tau poob qis - xov xwm tsis zoo yog tias koj saib koj cov ntaub ntawv muaj nqis txhua hnub thiab nyuaj pw hmo ntuj. Ntawm qhov tod tes, nws yog xov xwm zoo yog tias koj tab tom nrhiav nyiaj tau los.
Vim tias cov paj laum nce siab txhais tau tias poob nqi rau cov ntawv cog lus thiab cov khoom lag luam nyiam. Rau cov nyiaj tau los-taw qhia txog kev nyab xeeb, tus nqi qis txhais tau tias cov txiaj ntsig siab dua rau cov tub ua lag luam uas yuav tam sim no thiab tej zaum - lossis tej zaum - ntau dua peev nce hauv txoj kev.
Xyoo no tau ua phem rau cov nyiaj uas nqis peev hauv cov ntawv cog lus thiab cov khoom lag luam nyiam. Tab sis txhua tus neeg ua lag luam cov nyiaj tau los yuav tsum cia siab tias cov txiaj ntsig kev lag luam yuav txav mus rau qhov sib txawv ntawm cov paj laum. Cov cuab yeej no tsuas yog tsim nyog rau cov tub ua lag luam mus sij hawm ntev uas xav tau nyiaj tau los. Lawv tsis yog tsim los kom tau txais txiaj ntsig sai.
Invesco Nyiaj Txiag Nyiam ETF's
-0.13%
PGF,
tus nqi sib koom yog nqis 20% hauv 2022. Nws them nyiaj faib tawm txhua hli uas tau oscillated ntawm 7.1 thiab 7.2 xees ib feem ntawm xyoo dhau los. Yog tias peb mus nrog 7.1 xees thiab tus nqi kaw ntawm $ 15.04 thaum Lub Cuaj Hli 28, qhov txiaj ntsig tam sim no rau tus neeg ua lag luam tshiab yog 5.66%. Thaum kawg ntawm 2021, raws li tus nqi kaw ntawm $ 18.82, qhov txiaj ntsig tam sim no yog 4.53%.
Yog li PGF tau dhau los ua kev nqis peev zoo dua. Tab sis koj tuaj yeem txiav txim siab tuav koj tus kheej cov khoom lag luam nyiam - koj tuaj yeem tuav lawv ntev npaum li koj nyiam thiab muag lawv kom tau txais lossis poob, nrog rau yav dhau los yuav muaj ntau dua tom qab tus nqi rau cov khoom lag luam qub tau nqis qis dua lub ntsej muag - muab koj muaj kev qhuab ntuas kom tuav tau ntau xyoo.
Hauv qab no yog cov ntsiab lus thiab cov peev txheej, ntxiv rau ob daim ntawv teev npe ntawm cov khoom lag luam nyiam, los muab cov piv txwv ntawm txoj kev nrhiav nyiaj tau los tuaj yeem ua kom zoo dua ntawm cov luv nqi tam sim no.
Cov nyiam sib koom ntawm JPMorgan Chase
Piv txwv li, JPMorgan Chases's
-1.69%
JPM,
Preferred Tshuag Series JJ tau tshaj tawm ntawm tus nqi sib npaug ntawm $ 25 thaum Lub Ib Hlis 2021, ntawm qhov nyiaj faib tawm ntawm 4.55%. Thaum kawg ntawm 2021, tus nqi kaw yog $ 26.23, uas txhais tau hais tias yog ib tus neeg ua lag luam yuav cov khoom ntawm tus nqi ntawd, cov txiaj ntsig tam sim no tsuas yog 4.34%, thiab yog tias cov khoom xav tau raug txhiv, tus neeg ua lag luam nws thiaj li yuav tau txais qhov poob ntawm $1.23 ib share.
Ceev ceev rau lub Cuaj Hlis 28, thiab JPM Series JJ tau poob rau $ 19.02 ib feem. Yog tias koj nkag mus rau ntawm tus nqi ntawd, koj cov txiaj ntsig tam sim no yuav yog 5.98%, thiab yog tias cov nyiaj tau txais txiaj ntsig thaum kawg, koj qhov nce yuav yog $ 5.98 ib feem.
Hauv tsab ntawv ceeb toom rau cov neeg siv khoom thaum Lub Cuaj Hli 7, Odeon Capital tus kws tshuaj ntsuam Richard Bove tau piav qhia tias nws muaj "tuav" kev ntaus nqi ntawm JPM cov kev sib koom, tab sis pom zoo kom yuav lub tuam txhab cov khoom nyiam.
Nyiam cov nqe lus Tshuag
Ua ntej qhia koj qhov twg kom tau txais cov ntaub ntawv, ntawm no yog qee cov ntsiab lus ntawm cov lus koj yuav xav tau rau koj tus kheej kev tshawb fawb rau hauv cov khoom lag luam nyiam.
Txhua tus neeg ua lag luam tuaj yeem yuav cov khoom lag luam nyiam. Txhua yam koj xav tau yog tus account brokerage.
Ib qho khoom lag luam nyiam txawv ntawm ib qho khoom lag luam uas nws tus tswv tsis muaj cai pov npav. Cov tswv lag luam nyiam kuj tseem muaj kev nyiam tshaj cov tswv lag luam hauv cov xwm txheej uas lub tuam txhab tau ua tiav. Txhawm rau ua kom yooj yim, yog tias lub tuam txhab poob lag luam thiab raug tshem tawm, cov tswv lag luam tau them nyiaj ua ntej, cov tswv lag luam nyiam thiab tom qab ntawd cov tswv lag luam.
Ib lub tuam txhab yuav muaj ntau yam teeb meem xav tau. Cov tub lag luam yuav cov khoom lag luam nyiam rau cov nyiaj faib, ib yam li lawv yuav yuav cov ntawv cog lus rau cov nyiaj tau los paj. Cov nyiaj faib uas nyiam yog feem ntau them txhua lub hlis twg.
Cov ntsiab lus tseem ceeb:
los ntawm - Qhov no yog tus nqi ntawm cov khoom uas nyiam tshaj tawm. Nws feem ntau yog $ 25 tab sis tuaj yeem yog $ 100 lossis lwm tus nqi. Tus nqi par zoo ib yam li lub ntsej muag tus nqi ntawm daim ntawv cog lus. Nws yog dab tsi tus neeg ua lag luam yuav tau them yog tias cov khoom lag luam nyiam raug txhiv los ntawm lub tuam txhab muab. Ib yam li daim ntawv cog lus cov txiaj ntsig kev lag luam hloov pauv, cov nqi sib koom nyiam hloov pauv, feem ntau nyob rau hauv qhov sib txawv ntawm cov paj laum hauv kev lag luam. Nyob rau hauv ib puag ncig tam sim no, nrog cov paj laum nce, ntau cov khoom lag luam nyiam tau ua lag luam ntawm cov luv nqi rau par.
Hwm / luv nqi - Qhov sib txawv ntawm cov khoom lag luam nyiam tam sim no thiab tus nqi sib tw.
Daim coupon - Cov khoom lag luam nyiam tshaj tawm tau hais tawm, raws li tus nqi sib tw. Qhov no feem ntau yog tus nqi ruaj khov, tab sis ntau tus neeg lag luam loj tau kho-rau-floating-tus nqi nyiam cov khoom lag luam, uas tej zaum yuav zoo nyob hauv ib puag ncig tam sim no. Nyob rau hauv cov npe hauv qab no peb lo nrog tus nqi ruaj khov, rau kev yooj yim. Daim coupon ruaj khov yuav muab tso rau hauv qhov nyiam qhov teeb meem lub npe.
Dividend tus nqi - Cov nyiaj tau los tau muab faib ua tus nqi sib npaug. JPMorgan Chase's Preferred Stock Series JJ tau tshaj tawm thaum Lub Peb Hlis 10, 2021, ntawm tus nqi sib tw ntawm $ 25 nrog 4.55% daim coupon. Cov nyiaj faib txhua xyoo yog $ 1.1375.
Tam sim no tawm los - Tus nqi faib nyiaj txhua xyoo muab faib los ntawm tus nqi lag luam tam sim no. JPMorgan Chase's Preferred Stock Series JJ tau kaw ntawm $ 19.02 thaum Lub Cuaj Hli 28. Qhov ntawd ua rau cov txiaj ntsig tam sim no ntawm 5.98%.
Tsim nyog cov nyiaj faib - Cov no yog cov nyiaj faib uas rau cov tub ua lag luam Asmeskas tau them se ntawm cov nqi qis dua lawv cov nyiaj tau los-tax se. Piv txwv li, ib khub niam txiv cov nyiaj tau los ntawm tsoomfwv cov nyiaj tau los ntawm cov nyiaj tau los uas tsim nyog xoom yog tias lawv cov nyiaj tau los txhua xyoo yog $ 83,350 lossis tsawg dua, thiab tus nqi yog 15% yog tias lawv cov nyiaj tau los yog $ 517,200 lossis tsawg dua.
Hnub hu - Hnub uas tus neeg xa khoom tuaj yeem txiav txim siab seb puas yuav txhiv cov khoom xav tau. Tus neeg xa khoom tuaj yeem txhiv tau qee lossis tag nrho cov kev nyiam ntawd txhua lub sijhawm pib ntawm hnub no. Yog tias cov paj laum qis dua li qhov lawv xav tau thaum cov khoom lag luam xav tau tshaj tawm, tus neeg tawm tswv yim yuav txhiv tau. Nyob rau hauv ib puag ncig tam sim no, nrog cov paj laum tau nce sai heev, kev txhiv dim tsis zoo li. Tab sis cov tub ua lag luam uas tau txais txiaj ntsig los ntawm kev txo nqi niaj hnub no yuav muaj qee yam tos ntsoov rau thaum lawv txaus siab rau cov nyiaj tau los siab - Tebchaws Asmeskas kev lag luam yuav tsis loj hlob ntawm kev nrawm mus ib txhis. Thaum kawg cov paj laum yuav nqis los dua thiab tom qab ntawd cov nqi nyiam-cov khoom lag luam yuav nce siab heev.
Hnub yug - Hnub uas cov koob nyiam yuav raug txhiv tag. Niaj hnub no, cov khoom lag luam nyiam tshaj plaws yog "perpetual," uas txhais tau tias tsis muaj hnub kawg, txawm hais tias feem ntau yog hnub hu. JPMorgan Chase's Preferred Stock Series JJ yog ib qho kev nyiam tshaj plaws nrog rau lub Rau Hli 1, 2026, hnub hu.
Cumulative/tsis-cumulative - Tus tshaj tawm cov khoom lag luam xav tau yuav raug yuam kom ncua nws cov nyiaj faib ntawm ib lossis ntau qhov kev nyiam yog tias nws muaj teeb meem nyiaj txiag. Yog tias cov khoom lag luam xav tau sib sau ua ke, cov nyiaj faib tawm raug tshem tawm yuav ua rau hauv cov nyiaj tshuav yuav tsum tau them tom qab thaum (lossis yog) cov nyiaj faib rov qab. Cov tsev txhab nyiaj thiab cov tuam txhab tuav pov hwm teeb meem tsis suav nrog cov khoom lag luam vim tias cov neeg tswj hwm xav kom lawv muaj qhov yooj yim ntawm kev ncua cov nyiaj faib tawm thiab tsis txhob ua rau lawv, thaum muaj teeb meem nyiaj txiag lossis nyiaj txiag nyuaj. Nws yog qhov tsawg heev rau tus neeg lag luam-qib cov lag luam kom tsis txhob them cov nyiaj faib khoom uas nyiam.
Kev Ntsuas Qhov Ntsuas - Cov khoom lag luam nyiam muaj cov qhab nia credit, ib yam li daim ntawv cog lus ua. Qee qhov tsis raug ntsuas. Hauv ob daim ntawv teev npe hauv qab no, txhua qhov teeb meem muaj kev nqis peev-qib los ntawm Moody's thiab / lossis Standard & Poor's. Kev ncaj ncees tawg cov koom haum ratings hierarchy.
Qhov twg los nrhiav cov khoom lag luam nyiam
Koj tus broker ntawm tus kws pab tswv yim peev yuav muaj cov npe lossis cov cuab yeej muaj los pab koj xaiv cov khoom lag luam nyiam. Tab sis koj tuaj yeem saib lawv ntawm koj tus kheej. Lub hom phiaj ntawm qhov kev sib tham no tsis yog xav kom koj yuav cov khoom lag luam nyiam, lossis ib qho tshwj xeeb, tab sis qhia koj yuav ua li cas kom tau txais cov ntaub ntawv yog tias koj xav ua koj tus kheej kev tshawb fawb hauv thaj tsam ntawm cov nyiaj tau los ntawm kev nqis peev uas tsis dav dav.
QuantumOnline yog qhov chaw pub dawb rau cov tub ua lag luam (uas txhawb nqa nrog cov nyiaj pub dawb), uas teev cov nyiaj tau los pauv pauv kev nyab xeeb, suav nrog cov khoom lag luam nyiam. Rau txhua qhov kev ruaj ntseg, nws suav nrog kev txuas mus rau daim ntawv tshaj tawm, lub sijhawm them nyiaj faib nyiaj thiab ntau cov ntaub ntawv ntxiv. Daim ntawv tshaj tawm yuav nkag siab tob rau hauv cov credit yam ntawm cov nyiam series - ib lub tuam txhab nrog ob peb yuav muaj kev txiav txim pecking ntawm cov teeb meem uas nyiam yog tias nws yog liquidated.
Ib txoj hauv kev yooj yim los pib yog nyem "cov nyiaj tau los", thiab tom qab ntawd xaiv cov npe. Yog tias koj xaiv "Tag nrho-Exchange-Traded Income Securities," daim ntawv teev npe yuav suav nrog tag nrho cov khoom lag luam nyiam, nrog rau lwm yam kev nyab xeeb uas tsis tau them rau ntawm no, suav nrog kev sib pauv pauv cov ntawv cog lus, hu ua "cov ntawv cog lus me me," uas ua lag luam nrog cov nqi sib npaug tej zaum yuav yog $25.
Txhawm rau nqaim daim ntawv teev npe, koj tuaj yeem xaiv "Txhua Cov Khoom Muag Zoo Tshaj Plaws," lossis koj tuaj yeem mus ntxiv, xaiv "cov nyiam tsim nyog rau 15% tus nqi se," uas peb tau ua rau kab lus no.
QuantumOnline ceeb toom tias tsis muaj kev lav phib xaub kom raug kwv yees tias cov tuam txhab nyiam cov nyiaj faib yuav raug suav tias yog "cov nyiaj tau txais txiaj ntsig" (txhais tau hais saum toj no). Ib qho laj thawj yog vim li cas yog tias lub tuam txhab muaj lub xyoo tsis tau txais txiaj ntsig thiab tsis them se ntawm tsoomfwv cov nyiaj tau los, nws cov nyiaj tau los yuav tsis raug suav tias yog "tsim nyog" xyoo ntawd los ntawm Internal Revenue Service.
Yog li qhov no yog txoj hauv kev zoo tshaj plaws los txheeb xyuas 469 cov khoom lag luam nyiam uas them cov nyiaj tau los tsim nyog.
Cov piv txwv nyiam - xya tus neeg tshaj tawm
Ntawm no yog ib qho kev xaiv ntawm xya cov khoom lag luam uas xav tau los them cov nyiaj tau txais txiaj ntsig, tag nrho cov uas tau pauv pauv ntawm New York Tshuag Txauv. Cov npe suav nrog cov peev nyiaj tau los ntawm kev txhiv dim, raws li cov nqi sib koom thiab cov nqi tam sim no. Nws kuj suav nrog cov kev xav rov qab los hu rau hnub.
Tag nrho cov khoom lag luam no muaj kev nqis peev-qib thiab $ 25 tus nqi sib npaug, yog li cov ntaub ntawv tsis suav nrog. Tag nrho cov nyiaj faib tsis suav nrog thiab tsis muaj ib qho ntawm cov nyiam no muaj hnub kawg. Yog li cov npe ntawm cov teeb meem tau luv luv kom haum rau hauv lub rooj.
Ntawm no lawv yog, txheeb los ntawm cov nyiaj faib tawm tam sim no:
Qee cov ntaub ntawv hais txog cov ntaub ntawv:
Ms,
6.50% Series P saum toj kawg nkaus cov npe nrog cov txiaj ntsig siab tshaj plaws tam sim no, tab sis qhov ntawd yog 6.45% - hauv qab daim coupon - vim tias cov shares tau ua lag luam ntawm tus nqi rau par. Cov tub ua lag luam uas xav tau qhov txiaj ntsig siab tshaj plaws tam sim no rau cov khoom lag luam uas tsis ntev los no-qib nyiam cov khoom lag luam feem ntau yuav them tus nqi them.
CFR,
4.45% Series B ua lag luam ntawm qhov luv nqi tshaj plaws ntawm thawj daim ntawv teev npe no - $ 6.17, rau 33% nce yog tias thiab thaum twg cov shares raug txhiv. Charles Schwab Corp.
SWV,
4.45% Series J kuj raug txo nqi ntau. Lub caij no, cov txiaj ntsig tam sim no ntawm ob qho teeb meem rau cov neeg lag luam tshiab tsis yog qhov phem thaum piv nrog cov txiaj ntsig ntawm 3.38% rau 10-xyoo US Treasury sau ntawv
TUBMUSD 10Y,
MET,
5.625% Series E nyiam sib koom ua lag luam ntawm tus nqi luv luv vim tias lawv cov daim coupon kuj siab heev. Hnub hu yog qhov sai tshaj plaws ntawm daim ntawv teev npe - Lub Rau Hli 15, 2023.
Xya ntxiv los ntawm ib tus neeg tshaj tawm
Nws tuaj yeem nthuav kom tig los ntawm cov nyiam series ntawm ib tus issuer. JPMorgan Chase muaj 11 qhov teeb meem nyiam.
Nov yog First Republic Bank's
-2.34%
FRC,
xya qhov teeb meem nyiam, tag nrho cov uas muaj peev-qib ntsuam xyuas los ntawm Moody's thiab Standard & Poor's. Cov khoom lag luam nyiam yog txheeb los ntawm cov txiaj ntsig tam sim no:
Series M shares tsis muaj hnub hu. Lawv kuj muaj daim coupon tsawg, uas txhais tau hais tias cov paj laum yuav tsum tau qis tiag tiag rau lawv kom tau txais kev txhiv dim.
Qhov no qhia txog kev pheej hmoo ntawm kev sib raug zoo ntawm daim coupon thiab tus nqi lag luam. Feem ntau hais lus, qhov qis dua daim coupon, qhov luv nqi ntau dua. Tab sis yog tias koj tab tom nrhiav rau phau ntawv nce, tsis txhob cia siab tias hu rau par. Nws yuav ua rau muaj kev nkag siab ntau dua kom tsis txaus siab thiab phau ntawv nce los ntawm kev muag ntawm tus nqi qis dua, tab sis siab dua qhov koj tau them.
Nco tsis tau: 22 cov nyiaj faib tawm tau tshuaj xyuas kom zoo thiab kev nyab xeeb
Tau qhov twg los: https://www.marketwatch.com/story/dividend-yields-on-preferred-stocks-have-soared-this-is-how-to-pick-the-best-ones-for-your-portfolio- 11664454510?siteid=yhoof2&yptr=yahoo