<p>嘉信理财的交易所交易基金（ETFs）是长期被动投资者获取市场敞口的最重要投资工具之一。该公司的 ETF 提供了以极低的成本接触各种指数或市场趋势的机会，使投资者能够以非常小的费用参与股票市场（或市场中选择的领域），实现高度多样化。这些基金是我作为一个被动投资者（在边缘选择股票）时的首选之一，我确实认为每位投资者，无论是主动还是被动，都应该至少考虑低接触投资对其投资组合的积极影响。</p>
<p>对于那些希望探索嘉信理财 ETF 广阔世界的投资者（而且确实很广阔，投资者可选择超过 3000 种选项），这可能是一项艰巨的任务。尽管如此，我在下面强调了三只我认为可以为投资者提供长期收入、增长和价值的嘉信理财 ETF。对于那些希望获得涵盖各种投资策略的良好多样化股票组合的投资者，我建议查看以下三只 ETF。</p>
<h2>本文的关键点：</h2>
<ul>
<li>投资者可以选择成千上万的嘉信理财交易所交易基金</li>
<li>如果你在寻找一些具有巨大潜力的股票，请务必获取我们 <strong>全新发布的《下一个 NVIDIA》报告</strong> 的免费副本。报告中包含一只我们相信具有 10 倍潜力的软件股票。</li>
</ul>
<h2>嘉信理财美国广泛市场 ETF（SCHB）</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/04/shutterstock-2231197849-huge-licensed-scaled.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/04/shutterstock-2231197849-huge-licensed-scaled.jpg"/></p>
<p>股票市场图表，蜡烛图向上和向右移动</p>
<p>在嘉信理财的投资组合中，我没有详细讨论的 ETF 之一是 <strong>嘉信理财美国广泛市场 ETF</strong>（SCHB）。该交易所交易基金旨在通过跟踪道琼斯美国广泛股票市场指数，提供对整个美国股票市场的全面敞口。该 ETF 涵盖大约 2500 只股票，包括大盘股、中盘股和小盘股。因此，对于那些希望以仅 3 个基点（0.03%）的极低费用获得广泛敞口的投资者来说，这是值得考虑的 ETF。</p>
<p>我认为 SCHB 是被动投资者寻求以最低费用接触非常广泛股票的首选之一。到目前为止，我还没有找到费用低于此的 ETF（尽管未来可能会出现费用为 2 个基点的 ETF）。</p>
<p>这些低费用确保了个人投资者在多年或几十年的增长中看到的更多投资回报留在其投资组合中。在我看来，这可能是 ETF 最重要的功能——在没有共同基金和大多数主动管理基金相关费用的情况下实现多样化，同时获得类似（或往往更好）的回报。</p>
<h2>嘉信理财美国股息股票 ETF（SCHD）</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/03/shutterstock-1906089478-huge-licensed-scaled.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/03/shutterstock-1906089478-huge-licensed-scaled.jpg"/></p>
<p>股息文本与图表、图形、计算器、笔、金融概念背景。</p>
<p><strong>嘉信理财美国股息股票 ETF</strong>（SCHD）顾名思义，是一只针对关注收入投资的投资者的基金。</p>
<p>好消息是，市场上有很多支付股息的股票，每只股票都有其独特的收益率，基于不同的基本面、增长特征和商业前景。SCHD ETF 的好处在于，该基金跟踪道琼斯美国股息 100 指数，专注于持续支付股息的高质量公司。这降低了该基金相对于其他更广泛的收入导向 ETF 的风险，使其成为我认为长期投资者值得考虑的高质量股息 ETF 之一。</p>
<p>SCHD 的费用比率为 0.06%，在成本方面保持竞争力，同时为投资者提供约 3.3% 的平均收益率。这几乎是美国股市平均收益率的三倍，因此投资者肯定会从股息中获得相当一部分的上行潜力。但对于那些希望退休并主要依靠股息收入生活（不必在一段时间内动用太多本金）的投资者来说，这是一个值得考虑的好选择。此外，支付股息的公司往往比将现金流再投资于业务的高增长公司风险低，因此我认为这是一只特别值得考虑的基金，尤其是对于那些接近或进入退休的人。</p>
<h2>嘉信理财美国大盘成长 ETF（SCHG）</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/08/shutterstock-2466866647-huge-licensed-scaled.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/08/shutterstock-2466866647-huge-licensed-scaled.jpg"/></p>
<p>成长股视觉</p>
<p>最后，对于希望在其投资组合中增加一些成长敞口的投资者，<strong>嘉信理财美国大盘成长 ETF</strong>（SCHG）针对表现出强劲增长潜力的大盘股。该基金主要关注技术和消费品等关键高增长行业，并跟踪道琼斯美国大盘成长总股票市场指数。因此，该 ETF 为投资者提供了接触像 Alphabet、Amazon 和 Tesla 这样的高增长公司的机会。</p>
<p>因此，这只 ETF 将是持有一些 SCHD 的投资者的良好补充，因为它将长期补充投资组合的增长特征。考虑到该 ETF 对技术重型公司的权重，这是一只非常适合看好参与革命性技术（如人工智能）公司的持续增长的投资者的 ETF。在我看来，持有这三只 ETF 可以提供投资者所希望的那种平衡投资组合展望。至于哪只 ETF 可能超配或低配，实际上取决于个人的风险承受能力和愿意承担额外风险（或减少风险）。</p>
<p>从长期来看，我确实认为在投资组合中持有高度多样化的成长股票是重要的。而且以仅 0.03% 的费用比率来看，我认为这只 ETF 是一个值得考虑的好选择。</p>
<h2>现金返还信用卡从未如此优越</h2>
<p>信用卡公司之间竞争激烈，纷纷提供免费的奖励和福利以吸引最佳客户。一张好的现金返还卡每年可以为你带来数千美元的免费资金，更不用说其他福利，如旅行、保险和进入豪华休息室的权限。查看我们今天推荐的最佳信用卡。你绝对不想错过这些优惠。</p>
<p><em>Flywheel Publishing 与 CardRatings 合作，提供信用卡产品的相关报道。Flywheel Publishing 和 CardRatings 可能会从发卡机构获得佣金。</em></p>
<p>这篇文章最初发布于 24/7 Wall St.，标题为《2025 年值得购买的 3 只嘉信理财 ETF》。</p>

嘉信理财

<p>本文强调了三只适合长期投资者的顶级嘉信理财 ETF：嘉信美国广泛市场 ETF（SCHB），提供低成本的美国股票市场整体曝光；嘉信美国股息股票 ETF（SCHD），专注于高质量的派息股票；以及嘉信美国大盘成长 ETF（SCHG），旨在吸引成长型投资者。这些 ETF 提供多样化的投资选择，费用比率具有竞争力，适合寻求收入、成长和价值的被动投资者</p>

<p>Schwab exchange-traded funds (ETFs) are among the most prominent investing vehicles long-term passive investors can use to gain exposure to the market. The company’s ETFs provide some of the lowest-cost exposure to various indices or market trends, allowing for highly diversified participation in the stock market (or areas of choice in the market) for very small fees. These funds are among my top considerations as a passive investor myself (who picks stocks around the edges), and I do think every investor, active or not, should at least consider the positive effects of low-touch investing for at least a portion of their portfolios.</p>
<div class="lb-trans"><p>嘉信理财的交易所交易基金（ETFs）是长期被动投资者获取市场敞口的最重要投资工具之一。该公司的 ETF 提供了以极低的成本接触各种指数或市场趋势的机会，使投资者能够以非常小的费用参与股票市场（或市场中选择的领域），实现高度多样化。这些基金是我作为一个被动投资者（在边缘选择股票）时的首选之一，我确实认为每位投资者，无论是主动还是被动，都应该至少考虑低接触投资对其投资组合的积极影响。</p>
</div><p>For those looking to explore the vast world of Schwab ETFs (and it is vast, with more than 3,000 options available to investors), it can be a daunting endeavor. That said, I’ve highlighted three Schwab ETFs below I think can provide investors with the right mix of income, growth and value over the long-term. For those looking for a well-diversified mix of equities which encompass various investing strategies, I’d recommend having a look at the following three ETFs.</p>
<div class="lb-trans"><p>对于那些希望探索嘉信理财 ETF 广阔世界的投资者（而且确实很广阔，投资者可选择超过 3000 种选项），这可能是一项艰巨的任务。尽管如此，我在下面强调了三只我认为可以为投资者提供长期收入、增长和价值的嘉信理财 ETF。对于那些希望获得涵盖各种投资策略的良好多样化股票组合的投资者，我建议查看以下三只 ETF。</p>
</div><h2>Key Points About This Article:</h2>
<div class="lb-trans"><h2>本文的关键点：</h2>
</div><ul>
<li>Investors have thousands of Schwab exchange traded funds</li>
<li>If you’re looking for some stocks with huge potential, make sure to grab a free copy of our <strong>brand-new “The Next NVIDIA” report</strong>. It features a software stock we’re confident has 10X potential.</li>
</ul>
<div class="lb-trans"><ul>
<li>投资者可以选择成千上万的嘉信理财交易所交易基金</li>
<li>如果你在寻找一些具有巨大潜力的股票，请务必获取我们 <strong>全新发布的《下一个 NVIDIA》报告</strong> 的免费副本。报告中包含一只我们相信具有 10 倍潜力的软件股票。</li>
</ul>
</div><h2>Schwab U.S. Broad Market ETF (SCHB)</h2>
<div class="lb-trans"><h2>嘉信理财美国广泛市场 ETF（SCHB）</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/04/shutterstock-2231197849-huge-licensed-scaled.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2024/04/shutterstock-2231197849-huge-licensed-scaled.jpg"/></p>
<p>Stock market graph with candlestick bars heading up and to the right</p>
<div class="lb-trans"><p>股票市场图表，蜡烛图向上和向右移动</p>
</div><p>One of the ETFs within the Schwab portfolio I haven’t discussed much is the <strong>Schwab U.S. Broad Market ETF</strong> (SCHB). This exchange traded fund is designed to provide comprehensive exposure to the entire U.S. equity market by tracking the Dow Jones U.S. Broad Stock Market Index. This ETF encompasses approximately 2,500 stocks, including large-cap, mid-cap, and small-cap companies. Thus, for investors looking for some of the broadest exposure at a rock-bottom expense ratio of just 3 basis points (0.03%), this is the ETF to consider.</p>
<div class="lb-trans"><p>在嘉信理财的投资组合中，我没有详细讨论的 ETF 之一是 <strong>嘉信理财美国广泛市场 ETF</strong>（SCHB）。该交易所交易基金旨在通过跟踪道琼斯美国广泛股票市场指数，提供对整个美国股票市场的全面敞口。该 ETF 涵盖大约 2500 只股票，包括大盘股、中盘股和小盘股。因此，对于那些希望以仅 3 个基点（0.03%）的极低费用获得广泛敞口的投资者来说，这是值得考虑的 ETF。</p>
</div><p>I view SCHB as one of the go-to options for passive investors seeking exposure to a very wide range of stocks at the lowest possible fees. To date, I haven’t found an ETF that offers fees lower than this (though one may eventually come about with a 2 basis point expense ratio at some point).</p>
<div class="lb-trans"><p>我认为 SCHB 是被动投资者寻求以最低费用接触非常广泛股票的首选之一。到目前为止，我还没有找到费用低于此的 ETF（尽管未来可能会出现费用为 2 个基点的 ETF）。</p>
</div><p>These low fees ensure that more of the investment returns an individual investor sees over years or decades of growth remain within one’s portfolio. In my view, this is perhaps the most important function of ETFs – diversification without the costs or fees associated with mutual funds and most actively-managed funds, with similar (or oftentimes better) returns.</p>
<div class="lb-trans"><p>这些低费用确保了个人投资者在多年或几十年的增长中看到的更多投资回报留在其投资组合中。在我看来，这可能是 ETF 最重要的功能——在没有共同基金和大多数主动管理基金相关费用的情况下实现多样化，同时获得类似（或往往更好）的回报。</p>
</div><h2>Schwab U.S. Dividend Equity ETF (SCHD)</h2>
<div class="lb-trans"><h2>嘉信理财美国股息股票 ETF（SCHD）</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/03/shutterstock-1906089478-huge-licensed-scaled.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2024/03/shutterstock-1906089478-huge-licensed-scaled.jpg"/></p>
<p>DIVIDENDS text on documents with graphs, charts, calculator, pen, financial concept background.</p>
<div class="lb-trans"><p>股息文本与图表、图形、计算器、笔、金融概念背景。</p>
</div><p>The <strong>Schwab U.S. Dividend Equity ETF</strong> (SCHD) is, as its name suggests, a fund that’s tailored toward investors interested in income-producing investments.</p>
<div class="lb-trans"><p><strong>嘉信理财美国股息股票 ETF</strong>（SCHD）顾名思义，是一只针对关注收入投资的投资者的基金。</p>
</div><p>The good news is that there are plenty of dividend-paying stocks out there, each with their own unique yields based on differing fundamentals, growth profiles and business outlooks. The good thing about the SCHD ETF is that this fund racks the Dow Jones U.S. Dividend 100 Index, focusing on high-quality companies that consistently pay dividends. This reduces the fund’s risk relative to other broader income-focused ETFs, and makes this one of the higher-quality dividend ETFs I think long-term investors want to consider.</p>
<div class="lb-trans"><p>好消息是，市场上有很多支付股息的股票，每只股票都有其独特的收益率，基于不同的基本面、增长特征和商业前景。SCHD ETF 的好处在于，该基金跟踪道琼斯美国股息 100 指数，专注于持续支付股息的高质量公司。这降低了该基金相对于其他更广泛的收入导向 ETF 的风险，使其成为我认为长期投资者值得考虑的高质量股息 ETF 之一。</p>
</div><p>With an expense ratio of 0.06%, SCHD remains competitive in terms of its cost profile, while delivering an average yield to investors of around 3.3%. That’s nearly three-times the average yield of the U.S. stock market, so investors are certainly going to get a significant portion of their upside from dividends. But for those looking to retire and live mostly off their dividend income (not having to touch too much of their principal over time), this is a great option to consider. Additionally, companies that pay dividends tend to be much lower risk than higher-growth companies reinvesting their cash flows into their business, so this is a fund I think is worth considering particularly for those nearing or entering retirement.</p>
<div class="lb-trans"><p>SCHD 的费用比率为 0.06%，在成本方面保持竞争力，同时为投资者提供约 3.3% 的平均收益率。这几乎是美国股市平均收益率的三倍，因此投资者肯定会从股息中获得相当一部分的上行潜力。但对于那些希望退休并主要依靠股息收入生活（不必在一段时间内动用太多本金）的投资者来说，这是一个值得考虑的好选择。此外，支付股息的公司往往比将现金流再投资于业务的高增长公司风险低，因此我认为这是一只特别值得考虑的基金，尤其是对于那些接近或进入退休的人。</p>
</div><h2>Schwab U.S. Large-Cap Growth ETF (SCHG)</h2>
<div class="lb-trans"><h2>嘉信理财美国大盘成长 ETF（SCHG）</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/08/shutterstock-2466866647-huge-licensed-scaled.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2024/08/shutterstock-2466866647-huge-licensed-scaled.jpg"/></p>
<p>A growth stock visual</p>
<div class="lb-trans"><p>成长股视觉</p>
</div><p>Finally, for investors looking to add some growth exposure to their portfolios, the <strong>Schwab U.S. Large-Cap Growth ETF</strong> (SCHG) targets large-cap stocks that exhibit strong growth potential. This fund primarily focuses on key high-growth sectors such as technology and consumer discretionary, and tracks the Dow Jones U.S. Large-Cap Growth Total Stock Market Index. Accordingly, this ETF provides investors with access to high-growth companies like Alphabet, Amazon, and Tesla.</p>
<div class="lb-trans"><p>最后，对于希望在其投资组合中增加一些成长敞口的投资者，<strong>嘉信理财美国大盘成长 ETF</strong>（SCHG）针对表现出强劲增长潜力的大盘股。该基金主要关注技术和消费品等关键高增长行业，并跟踪道琼斯美国大盘成长总股票市场指数。因此，该 ETF 为投资者提供了接触像 Alphabet、Amazon 和 Tesla 这样的高增长公司的机会。</p>
</div><p>So, this ETF would be a great offset for investors who hold some SCHD, as it would replenish a portfolio’s growth profile over the long-term. And given the weighting of this ETF toward tech-heavy names, this is an ETF that’s perfect for those bullish on the continued rise of companies involved in revolutionary technologies like artificial intelligence. In my view, holding all three ETFs can provide the sort of balanced portfolio outlook investors want. In terms of proportions of which ETF may be over or underweight really depends on an individual’s risk tolerance level and willingness to take on additional risk (or take risk off the table).</p>
<div class="lb-trans"><p>因此，这只 ETF 将是持有一些 SCHD 的投资者的良好补充，因为它将长期补充投资组合的增长特征。考虑到该 ETF 对技术重型公司的权重，这是一只非常适合看好参与革命性技术（如人工智能）公司的持续增长的投资者的 ETF。在我看来，持有这三只 ETF 可以提供投资者所希望的那种平衡投资组合展望。至于哪只 ETF 可能超配或低配，实际上取决于个人的风险承受能力和愿意承担额外风险（或减少风险）。</p>
</div><p>Over the long-term, I do think it’s important to hold highly-diversified portfolio of growth stocks in one’s portfolio. And at an expense ratio of just 0.03%, this ETF is a great option to consider, in my view.</p>
<div class="lb-trans"><p>从长期来看，我确实认为在投资组合中持有高度多样化的成长股票是重要的。而且以仅 0.03% 的费用比率来看，我认为这只 ETF 是一个值得考虑的好选择。</p>
</div><h2>Cash Back Credit Cards Have Never Been This Good</h2>
<div class="lb-trans"><h2>现金返还信用卡从未如此优越</h2>
</div><p>Credit card companies are at war, handing out free rewards and benefits to win the best customers. A good cash back card can be worth thousands of dollars a year in free money, not to mention other perks like travel, insurance, and access to fancy lounges. See our top picks for the best credit cards today. You won’t want to miss some of these offers.</p>
<div class="lb-trans"><p>信用卡公司之间竞争激烈，纷纷提供免费的奖励和福利以吸引最佳客户。一张好的现金返还卡每年可以为你带来数千美元的免费资金，更不用说其他福利，如旅行、保险和进入豪华休息室的权限。查看我们今天推荐的最佳信用卡。你绝对不想错过这些优惠。</p>
</div><p><em>Flywheel Publishing has partnered with CardRatings for our coverage of credit card products. Flywheel Publishing and CardRatings may receive a commission from card issuers.</em></p>
<div class="lb-trans"><p><em>Flywheel Publishing 与 CardRatings 合作，提供信用卡产品的相关报道。Flywheel Publishing 和 CardRatings 可能会从发卡机构获得佣金。</em></p>
</div><p>The post 3 Top Schwab ETFs to Buy in 2025 appeared first on 24/7 Wall St..</p>
<div class="lb-trans"><p>这篇文章最初发布于 24/7 Wall St.，标题为《2025 年值得购买的 3 只嘉信理财 ETF》。</p>
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