Bank stocks, especially those as big as plates, usually have two characteristics. First, due to weak liquidity, the relative fluctuation of stock price will not be too great; Second, bank stocks pay dividends every year, and the dividend yield is quite good. Of course, Bank of Communications is no exception. For investors who bought Bank of Communications in March 20 14, what they can enjoy so far is the dividend of 20 13-20 19. (Dividends in 2020 are not expected to be distributed until July 20021year).
According to the previous financial report, the dividend results of Bank of Communications from 20 13 to 20 19 were 0.26 yuan, 0.27 yuan, 0.27 15 yuan, 0.2856 yuan, 0.3 yuan and 0.3 15 yuan respectively. The total accumulated dividend is 1.438+0 yuan per share. For the shareholders who hold 65,438+0,000 shares, a * * can get cash dividends of 65,438+097,265,438+0 yuan. You don't have to pay 20% personal income tax for holding shares for a long time, so 1972 1 yuan is the actual dividend income.
On the other hand, Bank of Communications closed at 4.93 yuan today. Compared with the lowest cost of 3.59 yuan, the capital gain per share is 65,438+0.34 yuan, and the total capital gain of 65,438+0,000 shares is 65,438+0.34 million yuan.
Assuming that the cash bonus received by the entity has not been further invested in Bank of Communications, a * * has benefited from Bank of Communications since March 2019721+13400 = 33121yuan.
Compared with the previous investment of 35,900 yuan, the cumulative rate of return reached 92.25%, and the average annual rate of return in these seven years and two months was 12.87%. This rate of return exceeds that of many people who go in and out of the stock market every day.
Of course, buying stocks is unlikely to be at the lowest point. If the bid is 20 15, the result will be even more painful.
In fact, if you buy ICBC at a lower price in similar years, the income will be higher. The cost of 1 10,000 shares is 33,200 yuan, and you can earn 36,900 yuan. Cumulative yield 1 1 1%.
That's why I recommend investors who really want cautious investors to buy ICBC shares directly and hold them for a long time. ICBC not only has higher rate of return, but also has more reliable corporate security. After all, it is the largest bank in the world.
20 14 bank of communications has a minimum share price of 3.59 yuan, bought 10000 shares, and now earns 3032 1 yuan, including dividend income 17 12 1 yuan and stock income/kloc-0.
20 14 years 10 sent to 2.7 yuan, with dividend income of 2,700 yuan;
20 15 years 10 sent to 2.7 yuan, with dividend income of 2,700 yuan;
20 16 10 gives 2.7 15 yuan, and the dividend income is 27 15 yuan;
20 17 10 gives 2.856 yuan, and the dividend income is 2,856 yuan;
20 18, 10 sent to 37 yuan, with dividend income of 3,000 yuan;
20 19 10 to 3. 15 yuan, dividend income 3 150 yuan;
As of May 27th, 20021year, the closing price of Bank of Communications was 4.9 1 yuan, with a profit of 13200 yuan per share/32 yuan.
Let me calculate for you:
The lowest price of 1 and 20 14 is 3.59 yuan, and the date is March 12. Today's price is 4.73 yuan.
2. Today is March 8, 2022/KLOC-0, holding shares for 8 years and 6 days. Count: 8.0 16438.
After paying dividends every year, you will convert the dividends into stocks the next day. On March 20 14, the value was 4.98 yuan, and on March 8, 2022, it was 9.32 yuan, an increase of 1.87 15 times. Average annual yield: (9.32-4.98) 4.988.016438x100%10.87%.
At that time, the price of 10000 shares was 35900 yuan, and today's price is 67 186.85 yuan.
First, to answer your question:
You bought 65,438+00,000 shares of Bank of Communications at the lowest price in 2065,438+04, and spent 35 900 yuan. You continue to use the annual bonus to buy shares in Bank of Communications. Today, the value of your stock is 67 186.85 yuan, with an increase of 87. 15% and an average annual yield of 10.87.
Elsa's advice to you is:
1. If you are 30 years old and retire in the next 65 years, the total value of your 10000 shares of Bank of Communications is: 67186.85x (13.1710 4.73).
2. If you only want to live to 80 years old, you can sell stocks every month during the period of 15 years after retirement, and you can get them every month on average.
650593.9515123614 (yuan).
3. So your monthly supplementary pension is the sum of the above two items, which is: 36336147247 yuan.
(Less and less every year. I use my mobile phone to calculate.
Your supplementary pension may be higher than the national pension. Suppose that in the next 35 years, China's economy will grow by an average of 5%, and the annual pension growth rate will keep pace with economic growth. The national average pension this year is 3,500 yuan, and the average pension in 2057 is 3,500 35x5% 6125 yuan.
5. Congratulations, your financial management is successful.
Are you considering giving me a red envelope?
The lowest share price of Bank of Communications 20 14 is 3.59 yuan. Although the fluctuation of banking stocks is relatively small most of the time, the flow amplitude is relatively large from 20 14 to 20 15, which is of course the reason for the bull market of A shares. After 20 16, the trend of Bank of Communications is relatively low, and the current share price of Bank of Communications is 4.83 yuan.
If you bought 65,438+00,000 shares of Bank of Communications at the lowest price in 2065,438+04, you can be said to be lucky if you have been holding them all the time, because the stock price at this time was the lowest price in nearly 65,438+00 years, while there were only over 2,000 A shares at this time, and now the A shares are 3,529. Obviously, Bank of Communications can't win A shares.
Of course, the dividend of bank stocks is also a considerable income. Since 20 14, Bank of Communications has paid dividends for seven times, namely 10 to 2.7 yuan, 10 to 2.7 yuan, 10 to 2.7 15 yuan and 15 yuan.
On the whole, the trend of Bank of Communications is general. Among the six major banks, the Postal Savings Office has just been listed, while ICBC and CCB have a slightly better trend. The trend of Bank of China and Agricultural Bank of China is similar to that of Bank of Communications.
I haven't speculated in banking stocks for several years. Last time I bought 200,000 shares of China Construction Bank at 4.56 yuan after the plunge in 2065,438+05, and sold them at 9.62 yuan in 2065,438+08. Hold shares for three years, and go to 0.8 yuan with dividends. The income is 120%. In the next few years, I speculated in stocks and bought nothing, earning less and losing more. Most of the stocks sold in June 5438+ 10 this year were bought for 300,000 shares of Bank of Communications for 4.45 yuan, because the bank has a long history, stable operation, extremely low P/E ratio and good dividends. It is planned to hold shares for 3 5 years, without doubling or selling.
The end of 20 14 is the starting point of the latest bull market, but after that bull market, the stock index has been falling for many years, and the bank stocks have not come out. So according to your hype, you may still be trapped inside. [yi tooth]
For example, if you join an industry with no room for improvement at 20 14. Then you in 2022 and you in 20 14 will not change qualitatively.