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How am I certain that a company will keep on paying dividends?
How do I know if a company will keep on paying out its dividends?
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If you need to borrow a large amount but cannot afford a big monthly repayment, then you should give consideration to the HSBC Personal Loan. This HSBC personal loan offers the longest loan tenure of 7 years in Singapore which means you’ll be paying 7 years’ worth of interest. HSBC is also great for those who need cash urgently as you can get approval-in-principle within one minute and receive the money the next working day. Isn’t that just wonderful?
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$199 cashback for loans of $1,000 and above if you apply through MoneySmart
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DBS personal loans are based on either your credit card or personal line of credit
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MoneySmart exclusive rate of 3.5% (7.27% p.a.) for new loan customers with only 1% processing fee
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You can actually apply for a credit card and personal loan at the same time
To apply for a UOB Personal Loan, you’ll need either a UOB CashPlus account or UOB credit card as UOB draws from your credit card limit. If you’re new to UOB, you can apply for a credit card and personal loan at the same time but note that terms & conditions like the fee schedule of the credit card will also apply to your UOB Personal Loan. UOB bank is one of the few banks that provide instant approval for personal loans for submissions between 7am to 8pm by new UOB customers.
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The truth is you don’t. If companies cannot give dividends anymore, it may seem bad, but in bad times, this may also mean prudence in managing available funds. Also dividend is another portion of cash flow management. How companies manage dividends at various financial health is really up to the management decision as to whether to continue to give out dividends. What you can do as an investor is to check if the dividend is sustainable based on the following factors: Dividend Pay-out Ratio (Better to be less than 100%), FCF (Dividend pay-out must be less than FCF to be sustainable), Look at operating cash flow and amount paid to shareholders. If amount paid is more than operating cash flow, the dividend pay-out is unsustainable and unlikely to continue long. Past 5 year profits. Ideally, profits should be increasing year on year. This means that company is earning more and they are able to reward shareholders more. Lastly, past 5 year dividend yield/policy. Some companies have policies on the percentage of dividend yield. If dividend yield is very low/policy not present, it is possible for the company to pay low/no dividend.