<p>在股息投资的世界中，目前有一个主要的努力是尽可能快速地增长，以建立一个庞大的投资组合。这在 FIRE（财务独立，提前退休）领域尤其如此，大家都希望能够提前退休，同时创造被动收入。</p>
<p>对于那些在 ULTY、YMAX 和 QQQI 之间做出选择的人来说，这一点也是如此。这些潜在的选择都提供了丰厚回报的可能性，同时也考虑到风险，包括比传统股票更低的增长潜力。</p>
<ul>
<li>关于通过任何投资于 ULTY 可以赚取多少收益，有很多猜测。</li>
<li>投资于任何高收益股息股票意味着你承担了很大的风险，可能会看到未来可预见的时间内的大额支付。</li>
<li>希望是你可以通过股息获得可观的回报，同时避免市场波动。</li>
<li>你在退休方面是领先还是落后？SmartAsset 的免费工具可以在几分钟内将你与财务顾问匹配，帮助你今天回答这个问题。每位顾问都经过仔细审查，必须以你的最佳利益为重。不要再浪费时间；在这里了解更多。(赞助商)</li>
</ul>
<h2>什么是 ULTY，为什么它如此受欢迎？</h2>
<p>作为目前可购买的最受欢迎的 YieldMax ETF 之一，ULTY 迅速成为 r/dividend 和 r/yieldmax 的热门选择，原因不胜枚举。</p>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/Follow-Our-500000-AI-Portfolio-3.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/2025/01/Follow-Our-500000-AI-Portfolio-3.jpg"/></p>
<p>本质上，ULTY 是一个交易所交易基金（ETF），为投资者提供广泛的美国股票曝光，因其捕捉了市场的许多好处，同时风险低于拥有像 <strong>微软（NASDAQ: MSFT）</strong>、<strong>苹果（NASDAQ: AAPL）</strong> 等个股。</p>
<p>作为一个 ETF，你可以获得市场曝光的许多好处，而在 <strong>YieldMax Ultra Option Income Strategy ETF（NYSEARC: ULTY）</strong> 的情况下，其受欢迎程度绝对源于其每周提供股息支付的能力，大多数投资者将其视为每周的被动收入。它通过覆盖性看涨期权策略组合来实现这一点，但也伴随着风险。</p>
<p>投资 ULTY 为你提供间接的收益曝光，这意味着如果任何基础证券的股票价值下降，损失可能会大于股息支付。</p>
<h2>什么是 YMAX，为什么它如此受欢迎？</h2>
<p>作为投资者，如果你在不确定的市场时期寻找替代收入来源，转向像 <strong>YieldMax Universe Fund of Option Income ETFs（NYSEARCA: YMAX）</strong> 这样的产品并不罕见，该基金去年才推出。在这种情况下，YMAX 由 YieldMax 发行，这是一家以将期权打包成 ETF 包装而闻名的公司，类似于 MSTR 的做法。</p>
<p>YMAX 的目标是通过其当前结构产生高水平的收入，收益率高达 20%。与 ULTY 类似，你是通过 ETF 投资于个别公司股票的组合，而不是直接投资于每只股票，这可以帮助你在长期内抵消市场波动。</p>
<p>人们从这只股票中获得的股息利润是来自于通过出售短期看涨期权所赚取的溢价的每月回报。这笔收入随后作为股息分配给所有 YMAX 股东。</p>
<p>当然，YMAX 也非常风险，因为其股息可能在市场下跌时被削减，并且它仍然与大型美国股票挂钩，因此并不像大多数人认为的那样多样化。最终，更高的被动收入潜力吸引了人们的注意，但你必须知道这个 ETF 可能不会显示出与其他更安全的投资相同的增长。</p>
<h2>什么是 QQQI，为什么它如此受欢迎？</h2>
<p>谈到 <strong>NEOS Nasdaq-100 高收益 ETF（NYSEARCA: QQQI）</strong> 时，与 NASDAQ-100 有很多联系，它与通常被认为是技术曝光广泛 ETF 的 QQQ ETF 密切相关。</p>
<p>在 QQQI 的优势方面，你可以获得对像苹果、<strong>英伟达（NASDAQ: NVDA）</strong>、<strong>亚马逊（NASDAQ: AMZN）</strong> 和微软等股票的长期曝光，同时获得一些内置的股息收入。这种回报将帮助你每个月都能有所收益，即使增长缓慢或市场波动。</p>
<p>由于 QQQI 在股息和 ETF 领域如此受欢迎，因此也有一定程度的即时信任。至于任何缺点，与 QQQ 相比，QQQI 在市场下跌时可能会落后，但不会像 ULTY 或 YMAX 那样严重。它也高度集中于一个技术领域，如果你对市场有所了解，这个领域是非常波动的。</p>
<h2>大量的猜测</h2>
<p>最终，当你查看这三种 ETF 选项时，需要进行相当多的猜测。如果你想要双位数的收益，这些都是不错的选择，尤其是对于那些希望获得即时被动收入的人。然而，你必须面对高费用比率，这可能会随着时间的推移而变得昂贵，分配也可能侵蚀每个 ETF 的长期价值。</p>
<p>最重要的是，这些策略都关注波动性，这意味着如果你处于市场平静期，收益将会下降，从而减少股息。</p>
<p>最近支付如此高的原因之一是由于市场的波动，包括利率、关税、政治和全球动荡。投资于这三种持股中的任何一种，包括 ULTY，都需要进行大量的猜测，因为它们更适合短期策略，而不是某人投资组合的核心部分。</p>
<h2>自行承担风险</h2>
<p>你必须知道，无论你选择哪种 ETF 选项，你都是在自担风险。请放心，这里有很多风险，因为 ULTY 提供了极好的收益，但这是一场赌注，赌它在未来很长一段时间内仍会保持如此高的水平。</p>
<p>YMAX 也是如此，它的多样化程度稍高，但面临长期侵蚀的风险。然而，就 QQQI 而言，您可以获得更稳定的收益与增长潜力的平衡，尽管您面临科技行业的波动风险，而在市场不确定性期间，这种波动性往往非常严重。</p>
<p>如果您必须在全力投资 ULTY 或 YMAX 和 QQQI 之间做出选择，较好的决策是选择后者，并在 YMAX 和 QQQI 之间进行分配。如果您在寻找长期解决方案，这一点尤其正确，因为 QQQI 在所有三个选项中将提供更少的波动和不确定性。</p>
<p>尽管 ULTY 吸引人，但其净资产价值侵蚀和高费用，加上其极端波动性，可能非常适合获取一些即时的被动收入，但如果您要进行投资，最好从小额开始。如果唯一的选择是全力投资，QQQI 和 YMAX 是更明智的选择，因为您可以在强劲收益和稳定性之间获得收入平衡，同时享有增长潜力的上行空间。</p>
<p>这篇文章的标题是《我应该全力投资 ULTY、YMAX 还是 QQQI？》，首次发布在 24/7 Wall St.。</p>

<p>本文讨论了当前股息投资的趋势，特别是在 FIRE（财务独立，提前退休）社区中的表现。它比较了三种投资选择：ULTY、YMAX 和 QQQI，每种选择都提供潜在的高回报，但伴随相应的风险。ULTY 因其通过备兑开仓策略提供每周股息支付而受到欢迎，YMAX 则以 20% 的收益率追求高收入，但风险较大，而 QQQI 则提供对主要科技股的投资，并内置股息。投资者被鼓励在其投资组合中权衡这些选项的风险和回报</p>

<p>In the world of dividend investing, there is a major effort right now to grow as quickly as possible to try to build up a big portfolio. This is especially true in the FIRE world, where everyone is looking to retire early, all while creating passive income.</p>
<div class="lb-trans"><p>在股息投资的世界中，目前有一个主要的努力是尽可能快速地增长，以建立一个庞大的投资组合。这在 FIRE（财务独立，提前退休）领域尤其如此，大家都希望能够提前退休，同时创造被动收入。</p>
</div><p>This is also true for those individuals who are looking at a decision between going all-in on ULTY, YMAX and QQQI. Each of these perspective options offers the possibility of a big return, while also considering the risks, which include less growth potential than more traditional stocks.</p>
<div class="lb-trans"><p>对于那些在 ULTY、YMAX 和 QQQI 之间做出选择的人来说，这一点也是如此。这些潜在的选择都提供了丰厚回报的可能性，同时也考虑到风险，包括比传统股票更低的增长潜力。</p>
</div><ul>
<li>There is a lot of speculation about just how much you can earn through any investment in ULTY.</li>
<li>Investing in any high-yield dividend-earning stock means you are taking a large risk that you will see large payments for the foreseeable future.</li>
<li>The hope is that you can earn significant returns through dividends while avoiding market volatility.</li>
<li>Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; learn more here.(Sponsor)</li>
</ul>
<div class="lb-trans"><ul>
<li>关于通过任何投资于 ULTY 可以赚取多少收益，有很多猜测。</li>
<li>投资于任何高收益股息股票意味着你承担了很大的风险，可能会看到未来可预见的时间内的大额支付。</li>
<li>希望是你可以通过股息获得可观的回报，同时避免市场波动。</li>
<li>你在退休方面是领先还是落后？SmartAsset 的免费工具可以在几分钟内将你与财务顾问匹配，帮助你今天回答这个问题。每位顾问都经过仔细审查，必须以你的最佳利益为重。不要再浪费时间；在这里了解更多。(赞助商)</li>
</ul>
</div><h2>What Is ULTY and Why Is It So Popular?</h2>
<div class="lb-trans"><h2>什么是 ULTY，为什么它如此受欢迎？</h2>
</div><p>One of the most popular YieldMax ETFs available for purchase today, there is plenty of reason as to why ULTY has quickly become an r/dividend and r/yieldmax favorite.</p>
<div class="lb-trans"><p>作为目前可购买的最受欢迎的 YieldMax ETF 之一，ULTY 迅速成为 r/dividend 和 r/yieldmax 的热门选择，原因不胜枚举。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/Follow-Our-500000-AI-Portfolio-3.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2025/01/Follow-Our-500000-AI-Portfolio-3.jpg"/></p>
<p>Essentially, an exchange-traded fund (ETF) that gives investors a broad exposure to U.S. stocks, there is a lot of interest in this stock as it captures many of the market’s benefits with less risk than owning individual stocks like <strong>Microsoft (NASDAQ: MSFT)</strong>, <strong>Apple (NASDAQ: AAPL)</strong>, etc.</p>
<div class="lb-trans"><p>本质上，ULTY 是一个交易所交易基金（ETF），为投资者提供广泛的美国股票曝光，因其捕捉了市场的许多好处，同时风险低于拥有像 <strong>微软（NASDAQ: MSFT）</strong>、<strong>苹果（NASDAQ: AAPL）</strong> 等个股。</p>
</div><p>As an ETF, you get a lot of the benefits of being exposed to the market, and in the case of <strong>YieldMax Ultra Option Income Strategy ETF (NYSEARC: ULTY)</strong>, the popularity absolutely comes from its ability to provide a weekly dividend payout, which most investors look at as passive income every week. It’s doing so as a portfolio of covered call strategies, though it comes with risk.</p>
<div class="lb-trans"><p>作为一个 ETF，你可以获得市场曝光的许多好处，而在 <strong>YieldMax Ultra Option Income Strategy ETF（NYSEARC: ULTY）</strong> 的情况下，其受欢迎程度绝对源于其每周提供股息支付的能力，大多数投资者将其视为每周的被动收入。它通过覆盖性看涨期权策略组合来实现这一点，但也伴随着风险。</p>
</div><p>Investing in ULTY provides you indirect exposure to gains, which means that if any shares of the underlying securities decrease in value, the loss may be greater than the dividend payout.</p>
<div class="lb-trans"><p>投资 ULTY 为你提供间接的收益曝光，这意味着如果任何基础证券的股票价值下降，损失可能会大于股息支付。</p>
</div><h2>What Is YMAX and Why Is It So Popular?</h2>
<div class="lb-trans"><h2>什么是 YMAX，为什么它如此受欢迎？</h2>
</div><p>As an investor, if you are looking for alternative income sources in uncertain market times, turning to something like <strong>YieldMax Universe Fund of Option Income ETFs (NYSEARCA: YMAX)</strong>, which only launched last year, isn’t uncommon. In this case, YMAX is issued by YieldMax, which is a firm known for packaging options into ETF wrappers, similar to what MSTR is doing.</p>
<div class="lb-trans"><p>作为投资者，如果你在不确定的市场时期寻找替代收入来源，转向像 <strong>YieldMax Universe Fund of Option Income ETFs（NYSEARCA: YMAX）</strong> 这样的产品并不罕见，该基金去年才推出。在这种情况下，YMAX 由 YieldMax 发行，这是一家以将期权打包成 ETF 包装而闻名的公司，类似于 MSTR 的做法。</p>
</div><p>The goal with YMAX is to generate a high level of income, as much as a 20% yield, through its current structure. Like ULTY, you are investing in a mix of individual company stocks through an ETF instead of investing directly into each stock, which can help you offset market volatility in the long term.</p>
<div class="lb-trans"><p>YMAX 的目标是通过其当前结构产生高水平的收入，收益率高达 20%。与 ULTY 类似，你是通过 ETF 投资于个别公司股票的组合，而不是直接投资于每只股票，这可以帮助你在长期内抵消市场波动。</p>
</div><p>The profits from this stock that people receive as a dividend are a monthly return from the premiums that are earned by selling short-term call options. This income is then distributed as a dividend to all YMAX shareholders.</p>
<div class="lb-trans"><p>人们从这只股票中获得的股息利润是来自于通过出售短期看涨期权所赚取的溢价的每月回报。这笔收入随后作为股息分配给所有 YMAX 股东。</p>
</div><p>Of course, YMAX is also very risky as its dividend can be cut in market downturns, and it’s still tied to large-cap U.S. stocks, so it’s not quite as diversified as most people believe. Ultimately, the higher passive income potential grabs people’s attention, but you have to go in knowing this ETF might not show the same growth as other, safer bets.</p>
<div class="lb-trans"><p>当然，YMAX 也非常风险，因为其股息可能在市场下跌时被削减，并且它仍然与大型美国股票挂钩，因此并不像大多数人认为的那样多样化。最终，更高的被动收入潜力吸引了人们的注意，但你必须知道这个 ETF 可能不会显示出与其他更安全的投资相同的增长。</p>
</div><h2>What Is QQQI and Why Is It So Popular?</h2>
<div class="lb-trans"><h2>什么是 QQQI，为什么它如此受欢迎？</h2>
</div><p>When it comes to <strong>NEOS Nasdaq-100 High Income ETF (NYSEARCA: QQQI)</strong>, there is a lot of connection to the NASDAQ-100, and it’s closely related to the popular QQQ ETF that is generally considered a broad ETF for tech exposure.</p>
<div class="lb-trans"><p>谈到 <strong>NEOS Nasdaq-100 高收益 ETF（NYSEARCA: QQQI）</strong> 时，与 NASDAQ-100 有很多联系，它与通常被认为是技术曝光广泛 ETF 的 QQQ ETF 密切相关。</p>
</div><p>On the plus side, with QQQI, you get long-term exposure to stocks like Apple, <strong>NVIDIA (NASDAQ: NVDA)</strong>, <strong>Amazon (NASDAQ: AMZN)</strong> and Microsoft, all while receiving some built-in income as a dividend. This return will help you come out ahead every month, even if growth is slow or the market is volatile.</p>
<div class="lb-trans"><p>在 QQQI 的优势方面，你可以获得对像苹果、<strong>英伟达（NASDAQ: NVDA）</strong>、<strong>亚马逊（NASDAQ: AMZN）</strong> 和微软等股票的长期曝光，同时获得一些内置的股息收入。这种回报将帮助你每个月都能有所收益，即使增长缓慢或市场波动。</p>
</div><p>There is also a level of immediate trust because QQQI is so beloved in the dividend and ETF world. As for any downside, compared to QQQ, QQQI might fall behind in a down market, but not as much as ULTY or YMAX. It’s also heavily focused on one sector with technology, which, if you know anything about the market, is a very volatile sector.</p>
<div class="lb-trans"><p>由于 QQQI 在股息和 ETF 领域如此受欢迎，因此也有一定程度的即时信任。至于任何缺点，与 QQQ 相比，QQQI 在市场下跌时可能会落后，但不会像 ULTY 或 YMAX 那样严重。它也高度集中于一个技术领域，如果你对市场有所了解，这个领域是非常波动的。</p>
</div><h2>Lots of Speculation</h2>
<div class="lb-trans"><h2>大量的猜测</h2>
</div><p>Ultimately, there is considerable speculation required when you look at all three of these ETF options. If you want to look at double-digit yields, these are good choices, especially for those who wish to have immediate passive income. However, you have to contend with high expense ratios, which can be costly over time, as can distributions, which can eat away at the long-term value of each ETF.</p>
<div class="lb-trans"><p>最终，当你查看这三种 ETF 选项时，需要进行相当多的猜测。如果你想要双位数的收益，这些都是不错的选择，尤其是对于那些希望获得即时被动收入的人。然而，你必须面对高费用比率，这可能会随着时间的推移而变得昂贵，分配也可能侵蚀每个 ETF 的长期价值。</p>
</div><p>What’s most important is that each of these strategies focuses on volatility, which means that if you’re in a period of market calm, there are going to be falling yields, which will reduce the dividend.</p>
<div class="lb-trans"><p>最重要的是，这些策略都关注波动性，这意味着如果你处于市场平静期，收益将会下降，从而减少股息。</p>
</div><p>One of the reasons why the payouts have been so high lately is due to the volatility of the market, including interest rates, tariffs, politics and global unrest. There is a lot of speculation required to invest in any of these three holdings, including ULTY, as they are best suited for short-term strategies rather than core aspects of someone’s portfolio.</p>
<div class="lb-trans"><p>最近支付如此高的原因之一是由于市场的波动，包括利率、关税、政治和全球动荡。投资于这三种持股中的任何一种，包括 ULTY，都需要进行大量的猜测，因为它们更适合短期策略，而不是某人投资组合的核心部分。</p>
</div><h2>Proceed at Your Own Risk</h2>
<div class="lb-trans"><h2>自行承担风险</h2>
</div><p>You have to know that no matter which path you take with these ETF options, you are doing so at your own risk. Rest assured, there is plenty of risk here as ULTY offers a fantastic yield, but it’s a gamble that it’ll still be this high for much longer.</p>
<div class="lb-trans"><p>你必须知道，无论你选择哪种 ETF 选项，你都是在自担风险。请放心，这里有很多风险，因为 ULTY 提供了极好的收益，但这是一场赌注，赌它在未来很长一段时间内仍会保持如此高的水平。</p>
</div><p>The same goes for YMAX, which is a little more diversified, but it’s more at risk of long-term erosion. However, in the case of QQQI, you are getting more of a steady balance of yield and growth potential, though you are at risk of volatility in the tech sector, which can be and has long been heavily volatile during market uncertainty.</p>
<div class="lb-trans"><p>YMAX 也是如此，它的多样化程度稍高，但面临长期侵蚀的风险。然而，就 QQQI 而言，您可以获得更稳定的收益与增长潜力的平衡，尽管您面临科技行业的波动风险，而在市场不确定性期间，这种波动性往往非常严重。</p>
</div><p>If you have to choose between going all-in on ULTY or YMAX and QQQI, the better decision is to go with the latter and split yourself between YMAX and QQQI. This is especially true if you are looking for a long-term solution, as QQQI is going to offer fewer fluctuations and uncertainty among all three options.</p>
<div class="lb-trans"><p>如果您必须在全力投资 ULTY 或 YMAX 和 QQQI 之间做出选择，较好的决策是选择后者，并在 YMAX 和 QQQI 之间进行分配。如果您在寻找长期解决方案，这一点尤其正确，因为 QQQI 在所有三个选项中将提供更少的波动和不确定性。</p>
</div><p>As appealing as ULTY is, its NAV erosion and high fees, along with the extreme volatility it presents, might be great for getting some immediate passive income, but if you do anything here, start small. If the only choice is to go all in, QQQI and YMAX are the more intelligent choices as you get a balance of income with strong yields and stability with the upside of growth potential.</p>
<div class="lb-trans"><p>尽管 ULTY 吸引人，但其净资产价值侵蚀和高费用，加上其极端波动性，可能非常适合获取一些即时的被动收入，但如果您要进行投资，最好从小额开始。如果唯一的选择是全力投资，QQQI 和 YMAX 是更明智的选择，因为您可以在强劲收益和稳定性之间获得收入平衡，同时享有增长潜力的上行空间。</p>
</div><p>The post Should I Go All-in on ULTY, YMAX or QQQI Instead? appeared first on 24/7 Wall St..</p>
<div class="lb-trans"><p>这篇文章的标题是《我应该全力投资 ULTY、YMAX 还是 QQQI？》，首次发布在 24/7 Wall St.。</p>
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我是否应该全力投资 ULTY、YMAX 或 QQQI？