<p>收集可靠的股息是很好的，特别是如果你打算用这些收入来支付你的日常账单。</p>
<p>然而，大多数支付股息的公司采用的季度支付计划并不完全理想。水电费、房贷和保险费只是一些每月产生并支付的生活开支。</p>
<p>问题是，有一些股息股票确实每月发放一次分红。它们并不是特别知名的组织，但很多都拥有强劲的分红历史。以下是其中三只的详细介绍。</p>
<p>这些公司都不是传统结构的公司：相反，它们是房地产投资信托（REITs）。这意味着它们拥有租赁房地产的投资组合，并且对于以收入为导向的投资者来说，它们有义务每年将至少 90% 的应税收入通过股息分配给股东。事实证明，REIT 商业模式非常适合支持稳定的每月股息支付。</p>
<h2>Realty Income</h2>
<p>你可能对 <strong>Realty Income</strong>(O -0.60%) 不太熟悉，但你几乎肯定曾经踏足过它的至少一处物业。这个 REIT 在美国和海外拥有大约 15,600 栋建筑，租给零售商和其他面向消费者的公司。7-Eleven、<strong>Dollar General</strong>、<strong>FedEx</strong> 和 <strong>Walmart</strong> 是其最大的租户之一。</p>
<p>投资与实体零售相关的任何事物在如今可能会让人感到害怕。毕竟，我们正处于零售末日之中。正如行业研究机构 Coresight 报告的那样，仅在去年，美国就关闭了 7,325 家店面。主要归咎于电子商务的持续增长。</p>
<p>不过，这个数据还有一个重要的脚注。也就是说，2024 年开设或重新开设了 5,970 家商店。因此，尽管不可否认面对面零售处于防守状态，但情况显然并非全然糟糕。整个行业的动态可以被视为 “优胜劣汰”，而不是末日。留下来的连锁店将是顶尖品牌——这些也包括 Realty Income 的关键租户。</p>
<p>该 REIT 的入住率保持在 98.7%，即使在 COVID-19 疫情初期，许多零售商暂时关闭商店时，也从未低于 97.9%。进一步证明 Realty Income 的一致性的是，它在过去 656 个月中每个月都支付了股息，并且在过去 110 个季度中以超过通胀的年化速度提高了股息，增幅为 4.3%。</p>
<p>现在购买股票的人将以该 REIT 的前瞻性股息收益率为 5.5% 进行购买。</p>
<h2>LTC Properties</h2>
<p>你可能不会惊讶地听到美国人的平均年龄在上升。尽管千禧一代现在是美国最大的单一代际群体，但婴儿潮一代和幸存的沉默一代的总人数已经超过 7000 万——这是国家有史以来最多的老年人。</p>
<p>虽然他们中的许多人仍然完全能够独立生活，但老龄化的现实和这一群体的庞大规模意味着对养老院和辅助生活设施的需求从未如此之大——而且这种需求预计在可预见的未来将继续增长。行业研究机构 NIC MAP 的一项研究预测，除非美国加快建设此类设施的步伐，否则到 2030 年，将面临超过 500,000 个辅助生活床位的短缺——相当于 2750 亿美元的老年生活设施投资缺口。</p>
<p>从那时起，情况将急剧恶化。如果没有持续的加速推进，到 2040 年，该国将缺少价值 1 万亿美元的此类设施。</p>
<p>进入 <strong>LTC Properties</strong>(LTC -1.29%)。</p>
<p>该 REIT 拥有众多老年住房、长期护理和辅助生活设施，旗下有 190 个物业。它在业务中以多种方式运作，包括提供贷款、形成合资企业，以及与此类物业进行销售回租交易，使运营商更容易进入资本密集型行业或建立新设施。</p>
<p>诚然，该业务经常受到政治力量的推拉，因为立法者在讨论谁支付、支付多少以及为哪些服务付费的问题时，REIT 的股价自 2017 年以来也表现不佳。然而，考虑到当前股价的前瞻性收益率为 6.3%，以及无论如何辅助生活服务的支付方式如何，持续的需求激增，LTC 是一个值得考虑的每月股息支付者。</p>
<h2>Stag Industrial</h2>
<p>最后，将 <strong>Stag Industrial</strong>(STAG -0.58%) 加入你的每月股息股票名单，这些股票可能适合你的投资组合。</p>
<p>正如名字所示，Stag 拥有用于工业目的的物业。截至去年年底，其投资组合由 591 栋建筑组成，总面积为 116.6 百万平方英尺。大多数是仓库和配送设施，尽管该 REIT 涉及广泛的业务。其最大租户是 <strong>Amazon</strong>，但这家电子商务巨头占其年租金收入的比例不到 3%。<strong>可口可乐公司</strong>、Tempur Sealy 和 American Time Distributors 是其其他一些顶级租户。与 Realty Income 一样，Stag 的租户名单中也包括许多具有持久力的高素质公司。</p>
<p>这个相对较小的 REIT 去年产生了 767 百万美元的租金收入，净收入为 1.93 亿美元——每股运营资金为 2.40 美元——可以分配给股东。</p>
<p>这在很大程度上就是它对这些资金的处理方式。在 2024 年，该 REIT 支付了每股 1.48 美元，延续了其十年来的每月股息支付流。</p>
<p>然而，在深入投资之前，有一些缺点需要考虑。最大的缺点是，自 2016 年以来，这个房地产投资信托基金的每股股息仅微增 0.01 美元。这种增长甚至没有跟上通货膨胀的步伐。</p>
<p>不过，退一步来看，整体情况更为重要。各类企业都需要 Stag 所能提供的实体设施，即使它的扩展并不激进，但管理得很好。此外，Stag Industrial 的资产负债表上有 25 亿美元的长期负债和 4.835 亿美元的流动性可供使用（相较于 70 亿美元的市值），不仅避免了许多房地产投资信托基金可能遭遇的债务问题，而且在合适的机会出现时，手中还有现金可以投入。</p>
<p>因此，尽管 Stag 预计的股息收益率为 4% 可能并不令人兴奋，但其在土地购买和物业开发方面的深思熟虑的做法支撑了对该股票的看涨论点，因为这些股息支付得到了很好的保护。</p>

STAG

LTC房产

<p>本文讨论了三只提供每月分红的房地产投资信托基金（REITs），使其对以收入为重点的投资者具有吸引力。Realty Income 拥有较高的入住率和稳定的分红历史，提供 5.5% 的预期收益率。LTC Properties 专注于老年住房和长期护理，尽管面临政治挑战，仍然提供 6.3% 的预期收益率。Stag Industrial 也被提及为潜在的每月分红股票。这些 REITs 非常适合寻求定期收入以覆盖每月开支的投资者</p>

<p>Collecting reliable dividends is great, particularly if you're going to use that income to pay your recurring bills.</p>
<div class="lb-trans"><p>收集可靠的股息是很好的，特别是如果你打算用这些收入来支付你的日常账单。</p>
</div><p>The quarterly payout schedule that most dividend-paying companies have adopted, however, isn't exactly ideal for this purpose. Utility bills, mortgage payments, and insurance premiums are just some of the living expenses that are incurred and paid on a monthly basis.</p>
<div class="lb-trans"><p>然而，大多数支付股息的公司采用的季度支付计划并不完全理想。水电费、房贷和保险费只是一些每月产生并支付的生活开支。</p>
</div><p>The thing is, there are some dividend stocks that do dish out their distributions every month. They're not exactly high-profile organizations, but lots of them boast strong payout histories. Here's a closer look at three of them.</p>
<div class="lb-trans"><p>问题是，有一些股息股票确实每月发放一次分红。它们并不是特别知名的组织，但很多都拥有强劲的分红历史。以下是其中三只的详细介绍。</p>
</div><p>None of these are traditionally structured companies: Instead, they're real estate investment trusts (REITs). That just means they own portfolios of rental real estate, and -- vitally for income-focused investors -- they're obligated to pass along at least 90% of their taxable income to shareholders via dividends every year. As it turns out, the REIT business model is well suited to supporting consistent monthly dividend payments.</p>
<div class="lb-trans"><p>这些公司都不是传统结构的公司：相反，它们是房地产投资信托（REITs）。这意味着它们拥有租赁房地产的投资组合，并且对于以收入为导向的投资者来说，它们有义务每年将至少 90% 的应税收入通过股息分配给股东。事实证明，REIT 商业模式非常适合支持稳定的每月股息支付。</p>
</div><h2>Realty Income</h2>
<div class="lb-trans"><h2>Realty Income</h2>
</div><p>You may not be familiar with <strong>Realty Income</strong>(O -0.60%), but you've almost certainly set foot on at least one of its properties. This REIT owns on the order of 15,600 buildings in the U.S. and abroad that it rents to retailers and other consumer-facing companies. 7-Eleven, <strong>Dollar General</strong>, <strong>FedEx</strong>, and <strong>Walmart</strong> are among its biggest tenants.</p>
<div class="lb-trans"><p>你可能对 <strong>Realty Income</strong>(O -0.60%) 不太熟悉，但你几乎肯定曾经踏足过它的至少一处物业。这个 REIT 在美国和海外拥有大约 15,600 栋建筑，租给零售商和其他面向消费者的公司。7-Eleven、<strong>Dollar General</strong>、<strong>FedEx</strong> 和 <strong>Walmart</strong> 是其最大的租户之一。</p>
</div><p>Investing in anything connected to the brick-and-mortar retail space may feel scary these days. We're in the midst of a retail apocalypse, after all. As industry research outfit Coresight reported, 7,325 storefronts were shuttered last year in the U.S. alone. Blame the continued growth of e-commerce, mostly.</p>
<div class="lb-trans"><p>投资与实体零售相关的任何事物在如今可能会让人感到害怕。毕竟，我们正处于零售末日之中。正如行业研究机构 Coresight 报告的那样，仅在去年，美国就关闭了 7,325 家店面。主要归咎于电子商务的持续增长。</p>
</div><p>There's an important footnote to add to this data nugget though. That is, 5,970 stores were either opened or reopened in 2024. So while there's no denying that in-person retail is on the defensive, conditions are clearly not all bad. The industrywide dynamic could be thought of as a thinning of the herd rather than an apocalypse. The chains left standing are and will be the top names -- and those also include key tenants of Realty Income.</p>
<div class="lb-trans"><p>不过，这个数据还有一个重要的脚注。也就是说，2024 年开设或重新开设了 5,970 家商店。因此，尽管不可否认面对面零售处于防守状态，但情况显然并非全然糟糕。整个行业的动态可以被视为 “优胜劣汰”，而不是末日。留下来的连锁店将是顶尖品牌——这些也包括 Realty Income 的关键租户。</p>
</div><p>The REIT's occupancy rate remains steady at 98.7%, and never dipped below 97.9% even during the early stages of the COVID-19 pandemic when huge numbers of retailers temporarily shuttered their stores. In a further testament to Realty Income's consistency, not only has it paid dividends in each of the past 656 months, but it has raised its payout in each of the past 110 quarters at an inflation-beating annualized pace of 4.3%.</p>
<div class="lb-trans"><p>该 REIT 的入住率保持在 98.7%，即使在 COVID-19 疫情初期，许多零售商暂时关闭商店时，也从未低于 97.9%。进一步证明 Realty Income 的一致性的是，它在过去 656 个月中每个月都支付了股息，并且在过去 110 个季度中以超过通胀的年化速度提高了股息，增幅为 4.3%。</p>
</div><p>Those who buy shares now will be picking them up while the REIT's forward dividend yield stands at 5.5%.</p>
<div class="lb-trans"><p>现在购买股票的人将以该 REIT 的前瞻性股息收益率为 5.5% 进行购买。</p>
</div><h2>LTC Properties</h2>
<div class="lb-trans"><h2>LTC Properties</h2>
</div><p>You likely won't be surprised to hear that the average age of Americans is on the rise. Although Millennials are now the United States' single-biggest generation, between them, the Baby Boomers and surviving members of the Silent Generation now number well over 70 million -- the most seniors the nation has ever seen.</p>
<div class="lb-trans"><p>你可能不会惊讶地听到美国人的平均年龄在上升。尽管千禧一代现在是美国最大的单一代际群体，但婴儿潮一代和幸存的沉默一代的总人数已经超过 7000 万——这是国家有史以来最多的老年人。</p>
</div><p>While many of them are still fully capable of living on their own, the realities of aging and the sheer size of this cohort means demand for nursing homes and assisted living facilities has never been greater -- and that demand is expected to keep growing for the foreseeable future. A study from industry research outfit NIC MAP predicts that unless the pace at which the U.S. builds such facilities accelerates, by 2030, it will face a shortfall of more than 500,000 assisted living beds -- equal to a $275 billion gap in investment in senior living facilities.</p>
<div class="lb-trans"><p>虽然他们中的许多人仍然完全能够独立生活，但老龄化的现实和这一群体的庞大规模意味着对养老院和辅助生活设施的需求从未如此之大——而且这种需求预计在可预见的未来将继续增长。行业研究机构 NIC MAP 的一项研究预测，除非美国加快建设此类设施的步伐，否则到 2030 年，将面临超过 500,000 个辅助生活床位的短缺——相当于 2750 亿美元的老年生活设施投资缺口。</p>
</div><p>From there, things get dramatically worse. Absent a sustained faster push, by 2040, the country would be short $1 trillion worth of such facilities.</p>
<div class="lb-trans"><p>从那时起，情况将急剧恶化。如果没有持续的加速推进，到 2040 年，该国将缺少价值 1 万亿美元的此类设施。</p>
</div><p>Enter <strong>LTC Properties</strong>(LTC -1.29%).</p>
<div class="lb-trans"><p>进入 <strong>LTC Properties</strong>(LTC -1.29%)。</p>
</div><p>The REIT owns numerous senior housing, long-term care, and assisted living facilities, with 190 properties under its umbrella. It operates within the business in several different ways, though, including making loans forming joint ventures, as well as doing sale-leaseback transactions with such properties that make it more affordable for operators to enter the capital-intensive industry or just establish new facilities.</p>
<div class="lb-trans"><p>该 REIT 拥有众多老年住房、长期护理和辅助生活设施，旗下有 190 个物业。它在业务中以多种方式运作，包括提供贷款、形成合资企业，以及与此类物业进行销售回租交易，使运营商更容易进入资本密集型行业或建立新设施。</p>
</div><p>Admittedly, the business regularly is subject to the push and pull of political forces as the questions of who pays, how much, and for what services are hashed out by legislators. The REIT's stock price has also underperformed the market since 2017. However, with its forward yield of 6.3% at the current share price and an ongoing demand surge that should persist regardless of how assisted living services are paid for, LTC is a monthly dividend payer worth considering.</p>
<div class="lb-trans"><p>诚然，该业务经常受到政治力量的推拉，因为立法者在讨论谁支付、支付多少以及为哪些服务付费的问题时，REIT 的股价自 2017 年以来也表现不佳。然而，考虑到当前股价的前瞻性收益率为 6.3%，以及无论如何辅助生活服务的支付方式如何，持续的需求激增，LTC 是一个值得考虑的每月股息支付者。</p>
</div><h2>Stag Industrial</h2>
<div class="lb-trans"><h2>Stag Industrial</h2>
</div><p>Finally, add <strong>Stag Industrial</strong>(STAG -0.58%) to your list of monthly dividend stocks that just might belong in your portfolio.</p>
<div class="lb-trans"><p>最后，将 <strong>Stag Industrial</strong>(STAG -0.58%) 加入你的每月股息股票名单，这些股票可能适合你的投资组合。</p>
</div><p>Just as the name suggests, Stag owns properties used for industrial purposes. As of the end of last year, its portfolio consisted of 591 buildings covering a total of 116.6 million square feet. Most of them are warehouses and distribution facilities, although the REIT is exposed to a wide range of business. Its biggest tenant is <strong>Amazon</strong>, but the e-commerce giant accounts for less than 3% of its annual rent revenue. <strong>The Coca-Cola Company</strong>, Tempur Sealy, and American Time Distributors are a few of its other top renters. Like Realty Income, Stag's tenant list includes plenty of high-caliber companies with staying power.</p>
<div class="lb-trans"><p>正如名字所示，Stag 拥有用于工业目的的物业。截至去年年底，其投资组合由 591 栋建筑组成，总面积为 116.6 百万平方英尺。大多数是仓库和配送设施，尽管该 REIT 涉及广泛的业务。其最大租户是 <strong>Amazon</strong>，但这家电子商务巨头占其年租金收入的比例不到 3%。<strong>可口可乐公司</strong>、Tempur Sealy 和 American Time Distributors 是其其他一些顶级租户。与 Realty Income 一样，Stag 的租户名单中也包括许多具有持久力的高素质公司。</p>
</div><p>This relatively small REIT generated $767 million worth of rent revenue last year, and $193 million in net income -- or funds from operations of $2.40 per share -- that it could pass along to shareholders.</p>
<div class="lb-trans"><p>这个相对较小的 REIT 去年产生了 767 百万美元的租金收入，净收入为 1.93 亿美元——每股运营资金为 2.40 美元——可以分配给股东。</p>
</div><p>That's largely what it did with those funds. In 2024, the REIT paid out a total of $1.48 per share, extending its decade-long stream of monthly dividend payments.</p>
<div class="lb-trans"><p>这在很大程度上就是它对这些资金的处理方式。在 2024 年，该 REIT 支付了每股 1.48 美元，延续了其十年来的每月股息支付流。</p>
</div><p>There are some downsides to this investment to consider before diving in, however. The biggest is that this REIT has raised its dividends by a paltry $0.01 per share annually since 2016. That degree of growth didn't even keep up with inflation.</p>
<div class="lb-trans"><p>然而，在深入投资之前，有一些缺点需要考虑。最大的缺点是，自 2016 年以来，这个房地产投资信托基金的每股股息仅微增 0.01 美元。这种增长甚至没有跟上通货膨胀的步伐。</p>
</div><p>Take a step back and look at the bigger picture, though. Businesses of all shapes and sizes need the physical facilities that Stag can offer, and it is well run even if it's not aggressively growing its footprint. Moreover, with a modest $2.5 billion worth of longer-term liabilities on its balance sheet and $483.5 million worth of liquidity ready to be tapped (versus a market cap of $7 billion), Stag Industrial has not only sidestepped the debt trouble many REITs have at times stumbled into, but has cash ready to deploy when the right opportunity arises.</p>
<div class="lb-trans"><p>不过，退一步来看，整体情况更为重要。各类企业都需要 Stag 所能提供的实体设施，即使它的扩展并不激进，但管理得很好。此外，Stag Industrial 的资产负债表上有 25 亿美元的长期负债和 4.835 亿美元的流动性可供使用（相较于 70 亿美元的市值），不仅避免了许多房地产投资信托基金可能遭遇的债务问题，而且在合适的机会出现时，手中还有现金可以投入。</p>
</div><p>So while Stag's projected dividend yield of 4% may not be thrilling, its thoughtful approach to the purchase of land and the development of properties buoys the bullish argument for the stock, because these dividend payments are well protected.</p>
<div class="lb-trans"><p>因此，尽管 Stag 预计的股息收益率为 4% 可能并不令人兴奋，但其在土地购买和物业开发方面的深思熟虑的做法支撑了对该股票的看涨论点，因为这些股息支付得到了很好的保护。</p>
</div>

每月向你支付股息的三只股票