零基礎學投資 (陸)- 投資歸本期; Investment payback period

投資歸本期將投資項目的預計投資回收期與要求的投資回收期進行比較，確定投資項目是否可行的方法。 The payback period refers to the amount of time it takes to recover the cost of an investment.

方法一是用累積股息歸本方法

Method 1: use accumulated dividend to payback the investment cost.

Example 1:例子一:

以下是領展(領匯)由2006年起每年基金分派如下:-

The following table summarised the LINK REITS dividend payouts since year 2006.

年度Year	派息dividend HKD$
2006末期息	$0.2181
2007	$0.6743
2008	$0.744
2009	$0.8399
2010	$0.9737
2011	$1.1045
2012	$1.2952
2013	$1.4646
2014	$1.6581
2015	$1.8284
2016	$2.0618
2017	$2.2841
2018	$2.4978
2019	$2.7117
2020	$2.8719
累積派息accumulated dividend	$23.2281

如果一位投資者2005年11月領匯首次招股$9.785時買入,由2006年開始累積9年半股息, 投資成本便可在2015年收到中期息全數收回投資成本。

If an investor purchsed LINK REIT IPO in Nov., 2005 with IPO share price $9,785, it started received dividend from 2006, his investment cost can be covered when he received the interim dividend in 2015.

所需歸本時間為9年半。

It takes 9.5 years to accumulated the dividend to pay back.

Method 2: buy a blue chip leading business shares on the 52 week lowest and sell partial shares when share price rise up to cover the cost payout.

方法二: 在52星期新低時買入行業龍頭藍籌股, 在其回升後賣出一部份取回投資成本。

Example 2; 例子二:

Bought MSFT(Microsoft) 100 share at the 52 week lowest on 3/23/2020 with share price USD$133, sold 64 shares on 7/2/2020 with the share price USD$208 and remaining 36 shares of MSFT will become zero cost. This method can payback the initial cost investment in MSFT earlier and cashing out the cost money for other investment.

在2020年3月20日微軟公司股價在52星期新低時的美元$133時買入100股, 又在2020年7月2日以美元$208沽出64股, 餘下的36股微軟公司股票便成為零成本。這方法可提早收回初次投資於微軟股票成本和套現再作其他投資。

投資歸本期是投資者需研究和學的課題。

Payback period is the topic an investor need to study and learn.

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