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Preferred stock gives investors a steady, low-risk income. Bankrate explains.
Preferred stock is a type of stock that offers different rights to shareholders than common stock. Preferred stock holders receive regular dividends and are repaid first in the event of a bankruptcy or merger. Companies typically issue more common shares than preferred ones, which are generally prized by investors looking for a steady income.
Stock represents a percentage of ownership in a company, the value of which is determined by the market and the volume of which is determined and issued by the company.
At the most basic level, there are two kinds of stock: preferred and common. Preferred stock is rarer than common stock, generally comprising a small proportion of all shares. It’s often more expensive, and can come with a minimum purchase amount.
The main difference is in how investors extract value. When a company pays a dividend, it must issue them to preferred stock holders first before paying anything to common stock holders, who sometimes don’t get paid a dividend at all. Holders of preferred shares are also repaid first in the event that the company has to liquidate its assets, such as in a merger or acquisition or a “solvency event” like bankruptcy.
However, unlike common stock, they don’t usually come with voting rights. In that sense, preferred stock is a way to entice early investors without jeopardizing the mission of the company’s owners.
Some preferred stocks have additional benefits, like:
Small-time investors might consider a CD instead. Check out Bankrate’s list of the best ones.
Corporation X is a new startup looking for investors. It issues 10,000 shares, of which 1,000 are preferred shares. Investor Y purchases 200 preferred shares. She can now sit tight while dividends start rolling in, netting herself a reliable income as long as the company is profitable.