<p>寻求稳定收入和较低市场风险的退休人员通常偏好那些定期支付股息、保持低成本并在多个持股中分散风险的投资。交易所交易基金可以做到这三点。以下是三只结合适度波动性与可靠收益的 ETF；基金描述、分配时间表和费用数据截至 2025 年 9 月 20 日均为准确。</p>
<ul>
<li>这些 ETF 因其多样化、低波动性、成本结构或股息分配时间表而吸引退休人员。</li>
<li>您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您与财务顾问匹配，帮助您今天回答这个问题。每位顾问都经过仔细审查，必须以您的最佳利益为重。不要再浪费时间；在这里了解更多。(赞助商)</li>
</ul>
<h2><strong>富兰克林美国低波动高股息 ETF (LVHD)</strong></h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2022/02/imageForEntry10-70K.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/2022/02/imageForEntry10-70K.jpg"/></p>
<p>LVHD 投资于公用事业等多个行业。</p>
<p>LVHD 的目标是提供相对高股息且价格波动较小的美国股票。该基金倾向于防御性行业，如消费品、房地产和公用事业，并使用风险控制来限制集中度。目前，其 30 天的收益率在 3% 低至中间范围（约 3.3%）。LVHD 按季度支付分配，费用比率约为 0.27%。</p>
<h2><strong>景顺标普 500 高股息低波动 ETF (SPHD)</strong></h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2022/05/imageForEntry47-8p5.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/2022/05/imageForEntry47-8p5.jpg"/></p>
<p>SPHD 投资于波动性最低的标普 500 股票。</p>
<p>SPHD 从高收益的标普 500 股票开始，然后选择历史波动性最低的子集来形成其投资组合。这个过程产生了更高的股息收入和更平稳的短期表现，且该基金倾向于强调防御性行业。目前，SPHD 的收益率在中间 3% 到约 4% 的区间（大约 3.7%）。分配按月进行，费用比率为 0.30%。</p>
<h2><strong>先锋高股息收益 ETF (VYM)</strong></h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/08/Healthcare-Money-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/2025/08/Healthcare-Money-scaled.jpg"/></p>
<p>医疗保健是 VYM 投资的行业之一，作为一只多样化的基金。</p>
<p>VYM 通过跟踪 FTSE 高股息收益指数，广泛接触具有强大股息历史的大型美国公司。该基金在金融、医疗保健和消费品行业提供广泛的多样化，并保持非常低的成本。目前，VYM 的收益率低于一些过去的时期，约为 2.5%（30 天 SEC 收益率约为 2.48%）。VYM 按季度支付分配，费用比率为 0.06%。</p>
<h2><strong>结论</strong></h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2021/02/imageForEntry12-eKx.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/2021/02/imageForEntry12-eKx.jpg"/></p>
<p>平衡收入和资本保值对退休人员至关重要。LVHD、SPHD 和 VYM 各自提供不同的收益、波动控制和成本结构组合：LVHD 强调低波动性和季度收入，SPHD 提供更高频率的月度分配并采用低波动性筛选，而 VYM 则提供广泛的低成本股息曝光。投资者在做出决策之前应确认发行人的当前收益和分配数据，并考虑每只基金如何满足他们的收入需求、税务情况和时间范围。</p>
<p>这篇文章《3 只低风险高收益的退休 ETF》最初出现在 24/7 Wall St.上。</p>

<p>本文讨论了三种适合寻求稳定收入和较低市场风险的退休人员的低风险高收益 ETF。这些 ETF 包括：1）富兰克林美国低波动高股息 ETF（LVHD），收益率约为 3.3%，费用比率为 0.27%；2）景顺标普 500 高股息低波动 ETF（SPHD），收益率约为 3.7%，费用比率为 0.30%；3）先锋高股息收益 ETF（VYM），收益率约为 2.5%，费用比率低至 0.06%。每只基金在收益、波动控制和成本结构方面提供了独特的平衡，满足退休人员不同的收入需求</p>

<p>Retirees seeking steady income and lower market risk often favor investments that pay regular dividends, keep costs low, and spread risk across many holdings. Exchange-traded funds can do all three. Below are three ETFs that combine modest volatility with dependable yields; the fund descriptions, distribution schedules, and fee figures are accurate as of September 20, 2025.</p>
<div class="lb-trans"><p>寻求稳定收入和较低市场风险的退休人员通常偏好那些定期支付股息、保持低成本并在多个持股中分散风险的投资。交易所交易基金可以做到这三点。以下是三只结合适度波动性与可靠收益的 ETF；基金描述、分配时间表和费用数据截至 2025 年 9 月 20 日均为准确。</p>
</div><ul>
<li>These ETFs are attractive to retirees due to their diversification, low volatility, cost structure, or dividend distribution schedules.</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>这些 ETF 因其多样化、低波动性、成本结构或股息分配时间表而吸引退休人员。</li>
<li>您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您与财务顾问匹配，帮助您今天回答这个问题。每位顾问都经过仔细审查，必须以您的最佳利益为重。不要再浪费时间；在这里了解更多。(赞助商)</li>
</ul>
</div><h2><strong>Franklin U.S. Low Volatility High Dividend ETF (LVHD)</strong></h2>
<div class="lb-trans"><h2><strong>富兰克林美国低波动高股息 ETF (LVHD)</strong></h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2022/02/imageForEntry10-70K.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2022/02/imageForEntry10-70K.jpg"/></p>
<p>LVHD invests in utilities, among other sectors.</p>
<div class="lb-trans"><p>LVHD 投资于公用事业等多个行业。</p>
</div><p>LVHD targets U.S. stocks that offer relatively high dividends while exhibiting lower price swings. The fund tilts toward defensive sectors such as consumer staples, real estate, and utilities and uses risk controls to limit concentration. Its trailing/30-day yield currently sits in the low-to-mid 3 percent range (about 3.3 percent). LVHD pays distributions quarterly and carries an expense ratio of roughly 0.27 percent.</p>
<div class="lb-trans"><p>LVHD 的目标是提供相对高股息且价格波动较小的美国股票。该基金倾向于防御性行业，如消费品、房地产和公用事业，并使用风险控制来限制集中度。目前，其 30 天的收益率在 3% 低至中间范围（约 3.3%）。LVHD 按季度支付分配，费用比率约为 0.27%。</p>
</div><h2><strong>Invesco S&amp;P 500 High Dividend Low Volatility ETF (SPHD)</strong></h2>
<div class="lb-trans"><h2><strong>景顺标普 500 高股息低波动 ETF (SPHD)</strong></h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2022/05/imageForEntry47-8p5.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2022/05/imageForEntry47-8p5.jpg"/></p>
<p>SPHD invests in the least volatile S&amp;P 500 stocks.</p>
<div class="lb-trans"><p>SPHD 投资于波动性最低的标普 500 股票。</p>
</div><p>SPHD begins with high-yield S&amp;P 500 names, then selects the subset with the lowest historical volatility to form its portfolio. That process produces a mix of higher dividend income and smoother short-term performance, and the fund tends to emphasize defensive sectors. At present, SPHD’s trailing yield falls in the mid-3 percent to about 4 percent band (roughly 3.7 percent). Distributions are made monthly. The expense ratio is 0.30 percent.</p>
<div class="lb-trans"><p>SPHD 从高收益的标普 500 股票开始，然后选择历史波动性最低的子集来形成其投资组合。这个过程产生了更高的股息收入和更平稳的短期表现，且该基金倾向于强调防御性行业。目前，SPHD 的收益率在中间 3% 到约 4% 的区间（大约 3.7%）。分配按月进行，费用比率为 0.30%。</p>
</div><h2><strong>Vanguard High Dividend Yield ETF (VYM)</strong></h2>
<div class="lb-trans"><h2><strong>先锋高股息收益 ETF (VYM)</strong></h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/08/Healthcare-Money-scaled.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2025/08/Healthcare-Money-scaled.jpg"/></p>
<p>Healthcare is one of the sectors VYM invests in, as a diversified fund.</p>
<div class="lb-trans"><p>医疗保健是 VYM 投资的行业之一，作为一只多样化的基金。</p>
</div><p>VYM gives broad exposure to large-cap U.S. companies with robust dividend histories by tracking the FTSE High Dividend Yield Index. The fund offers wide diversification across financials, healthcare, and consumer sectors and keeps costs very low. At the moment, VYM’s yield is lower than in some past periods, at roughly 2.5 percent (30-day SEC yield about 2.48 percent). VYM pays quarterly distributions and has an expense ratio of 0.06 percent.</p>
<div class="lb-trans"><p>VYM 通过跟踪 FTSE 高股息收益指数，广泛接触具有强大股息历史的大型美国公司。该基金在金融、医疗保健和消费品行业提供广泛的多样化，并保持非常低的成本。目前，VYM 的收益率低于一些过去的时期，约为 2.5%（30 天 SEC 收益率约为 2.48%）。VYM 按季度支付分配，费用比率为 0.06%。</p>
</div><h2><strong>Conclusion</strong></h2>
<div class="lb-trans"><h2><strong>结论</strong></h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2021/02/imageForEntry12-eKx.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2021/02/imageForEntry12-eKx.jpg"/></p>
<p>Balancing income and capital preservation is central for retirees. LVHD, SPHD, and VYM each deliver a different mix of yield, volatility control, and cost structure: LVHD emphasizes low volatility and quarterly income, SPHD offers higher-frequency monthly distributions with a low-volatility screen, and VYM provides broad, low-cost dividend exposure. Investors should confirm the issuer’s current yield and distribution data before making decisions and consider how each fund fits their income needs, tax situation, and time horizon.</p>
<div class="lb-trans"><p>平衡收入和资本保值对退休人员至关重要。LVHD、SPHD 和 VYM 各自提供不同的收益、波动控制和成本结构组合：LVHD 强调低波动性和季度收入，SPHD 提供更高频率的月度分配并采用低波动性筛选，而 VYM 则提供广泛的低成本股息曝光。投资者在做出决策之前应确认发行人的当前收益和分配数据，并考虑每只基金如何满足他们的收入需求、税务情况和时间范围。</p>
</div><p>The post 3 Low Risk, High Yield ETFs for Retirees appeared first on 24/7 Wall St..</p>
<div class="lb-trans"><p>这篇文章《3 只低风险高收益的退休 ETF》最初出现在 24/7 Wall St.上。</p>
</div>

适合退休人员的三只低风险、高收益 ETF