<ul>
<li>这些 ETF 将保护您的股息收入。</li>
<li>它们的收益率非常有吸引力，费用也不高。</li>
<li>其中一些在利率下降时也具有显著的上涨潜力。</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筛选，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>
<p>当您退休时，投资策略需要进行重大调整。您的目标从资本积累转向资本保值，这意味着您不再承担重大风险。相反，您会尽量保留已有的资产，同时尽可能多地获取收入。明智的退休投资将为您带来合理的收益，使您在通货膨胀面前保持领先。</p>
<p>过去三年，市场带来了可观的收益。从历史上看，这种收益往往是大幅修正的前兆。没有人能预测何时会发生这种情况，但如果您已经退休，最好还是采取保守的态度。最好的方法是投资于能够逆势而动的股息交易所交易基金，无论整体经济状况如何，它们都能持续向您支付股息。</p>
<p>以下是五个值得关注的股息 ETF：</p>
<h2>Amplify CWP Enhanced Dividend Income ETF (DIVO)</h2>
<p><strong>Amplify CWP Enhanced Dividend Income ETF (NYSEARCA:DIVO)</strong> 是一只主动管理的 ETF，采用双重收入策略。它至少将 80% 的资产投资于股息股票，并使用覆盖性认购期权策略。</p>
<p>DIVO 从标准普尔 500 指数中选取股票，并对其进行覆盖性认购期权的操作。这比几乎完全依赖期权溢价获取收入的 ETF 要稳定得多。您可以在较低的贝塔值（波动性）下获得更多的股权上涨机会，贝塔值为 1 意味着资产的波动性与整体市场相同。DIVO 的贝塔值为 0.72。</p>
<p>DIVO 的过去 12 个月的收益率为 4.51%，并按月支付股息。该收益率轻松超过了同类大多数 ETF，按月支付对退休人员来说更为方便。</p>
<p>费用比率为 0.56%，即每$10,000 收取$56。</p>
<h2>Franklin International Low Volatility High Dividend Index ETF (LVHI)</h2>
<p><strong>Franklin International Low Volatility High Dividend Index ETF (BATS:LVHI)</strong> 跟踪 QS 国际低波动高股息对冲指数。它让您接触到国际股息支付股票，同时保持低波动性和货币风险。</p>
<p>至少 80% 的资产用于该指数。LVHI 还使用货币对冲来减轻美元与其他国际货币之间汇率波动的影响。这有助于保护投资者在国际市场相对于美元下跌时免受货币相关损失。</p>
<p>LVHI 的收益率为 5.09%，费用比率为 0.40%，即每$10,000 收取$40。</p>
<h2>iShares 20+ Year Treasury Bond ETF (TLT)</h2>
<p>并非所有的股息 ETF 都必须从股票市场获取收入。<strong>iShares 20+ Year Treasury Bond ETF (NASDAQ:TLT)</strong> 是一个优秀的选择，因为它在保持低风险的同时为您提供了出色的收益。</p>
<p>当您放大 TLT 时，您可能会立即注意到它在过去五年中下降了 46.2%。这主要是由于加息使得投资者不愿意将资金停放在 TLT 中。然而，这正是它现在如此吸引人的原因，因为利率再次开始下调。美联储上周降低了利率，市场预计降息将持续。</p>
<p>TLT 目前的价格为$88.9，接近其历史低点约$80。随着利率的下降，TLT 将会强劲反弹，并可能带来三位数的回报。</p>
<p>与此同时，您可以收集 4.34% 的股息收益率，按月支付。费用比率也为 0.15%，即每$10,000 收取$15。</p>
<h2>Janus Henderson AAA CLO ETF (JAAA)</h2>
<p><strong>Janus Henderson AAA CLO ETF (NYSEARCA:JAAA)</strong> 投资于 AAA 级担保贷款义务。该 ETF 在正常市场条件下至少保持 80% 的投资组合为 AAA 级 CLO。</p>
<p>AAA 是可能的最高信用评级，这些 CLO 在稳定性方面非常可靠。即使在经济衰退期间，它们也不太可能违约，因此您将继续获得股息。</p>
<p>JAAA 按月支付，股息收益率为 5.63%。费用比率为 0.20%，即每$10,000 收取$20。</p>
<h2>NEOS Nasdaq-100 High Income ETF (QQQI)</h2>
<p>虽然稳定性和资本保值应是您的主要关注点，但接触科技股及其上涨潜力也很重要。<strong>NEOS Nasdaq-100 High Income ETF (NASDAQ:QQQI)</strong> 为您提供了这种接触，并且支付丰厚的收益。</p>
<p>它使用覆盖性认购期权来产生双位数的收益。该 ETF 首先购买纳斯达克 100 指数的股票，同时对 NDX（纳斯达克 100 指数）进行认购期权的写入，从而为每月分配产生溢价收入。</p>
<p>QQQI 还使用认购价差，使您在市场上涨时能够更大程度地参与。然而，如果市场大幅下跌，QQQI 将面临困难，尽管您仍然可能在长期内获利。</p>
<p>QQQI 的收益率为 13.42%，费用比率为 0.68%，即每$10,000 收取$68。它按月支付。</p>
<p>本文《确保您的退休收入的五大最佳股息 ETF》最初发表于 24/7 Wall St..</p>

<p>本文讨论了调整退休投资策略的重要性，重点在于保护资本和产生收入。文章强调了五个推荐的股息 ETF：Amplify CWP Enhanced Dividend Income ETF（DIVO）、Franklin International Low Volatility High Dividend Index ETF（LVHI）、iShares 20+ Year Treasury Bond ETF（TLT）和 Janus Henderson AAA CLO ETF（JAAA）。这些 ETF 提供了有吸引力的收益、低费用以及稳定和增长的潜力，使其适合寻求可靠收入来源的退休人员</p>

<ul>
<li>These ETFs will preserve your dividend income.</li>
<li>Their yields are very attractive and the fees are not too high.</li>
<li>Some of them also have significant upside potential as interest rates come down.</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 将保护您的股息收入。</li>
<li>它们的收益率非常有吸引力，费用也不高。</li>
<li>其中一些在利率下降时也具有显著的上涨潜力。</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筛选，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><p>When you retire, a significant shift in your investing strategy is necessary. Your aim shifts from capital accumulation to preservation, meaning you no longer take considerable risks. Instead, you try to keep as much as you have while making the most income out of it. Sensible retirement investing will get you fair gains that keep you ahead of inflation.</p>
<div class="lb-trans"><p>当您退休时，投资策略需要进行重大调整。您的目标从资本积累转向资本保值，这意味着您不再承担重大风险。相反，您会尽量保留已有的资产，同时尽可能多地获取收入。明智的退休投资将为您带来合理的收益，使您在通货膨胀面前保持领先。</p>
</div><p>The market has delivered terrific gains in the past three years. Historically, such gains are precursors to big corrections. No one can say when that can happen, but it’s better to err on the safe side if you are retired. The best way to do so is by investing in dividend exchange-traded funds that can buck the trend and keep mailing you checks regardless of what the broader economy is doing.</p>
<div class="lb-trans"><p>过去三年，市场带来了可观的收益。从历史上看，这种收益往往是大幅修正的前兆。没有人能预测何时会发生这种情况，但如果您已经退休，最好还是采取保守的态度。最好的方法是投资于能够逆势而动的股息交易所交易基金，无论整体经济状况如何，它们都能持续向您支付股息。</p>
</div><p>Here are five dividend ETFs to look into:</p>
<div class="lb-trans"><p>以下是五个值得关注的股息 ETF：</p>
</div><h2>Amplify CWP Enhanced Dividend Income ETF (DIVO)</h2>
<div class="lb-trans"><h2>Amplify CWP Enhanced Dividend Income ETF (DIVO)</h2>
</div><p><strong>Amplify CWP Enhanced Dividend Income ETF (NYSEARCA:DIVO)</strong> is an actively-managed ETF with a dual-income strategy. It invests at least 80% of its assets into dividend stocks and uses a covered call writing strategy.</p>
<div class="lb-trans"><p><strong>Amplify CWP Enhanced Dividend Income ETF (NYSEARCA:DIVO)</strong> 是一只主动管理的 ETF，采用双重收入策略。它至少将 80% 的资产投资于股息股票，并使用覆盖性认购期权策略。</p>
</div><p>DIVO takes stocks from the S&amp;P 500 index and overlays them with covered calls. This is much more stable compared to ETFs that almost exclusively rely on premiums for income. You get more exposure to equity upside with a lower beta (volatility) than the broader market. A beta of 1 means an asset is just as volatile as the broader market. DIVO has a 0.72 beta.</p>
<div class="lb-trans"><p>DIVO 从标准普尔 500 指数中选取股票，并对其进行覆盖性认购期权的操作。这比几乎完全依赖期权溢价获取收入的 ETF 要稳定得多。您可以在较低的贝塔值（波动性）下获得更多的股权上涨机会，贝塔值为 1 意味着资产的波动性与整体市场相同。DIVO 的贝塔值为 0.72。</p>
</div><p>DIVO comes with a 4.51% trailing 12-month yield and pays dividends monthly. The yield comfortably beats most other ETFs of its class, and monthly payments are more convenient for retirees.</p>
<div class="lb-trans"><p>DIVO 的过去 12 个月的收益率为 4.51%，并按月支付股息。该收益率轻松超过了同类大多数 ETF，按月支付对退休人员来说更为方便。</p>
</div><p>The expense ratio is 0.56%, or $56 per $10,000.</p>
<div class="lb-trans"><p>费用比率为 0.56%，即每$10,000 收取$56。</p>
</div><h2>Franklin International Low Volatility High Dividend Index ETF (LVHI)</h2>
<div class="lb-trans"><h2>Franklin International Low Volatility High Dividend Index ETF (LVHI)</h2>
</div><p><strong>Franklin International Low Volatility High Dividend Index ETF (BATS:LVHI)</strong> tracks the QS International Low Volatility High Dividend Hedged Index. It gives you exposure to international dividend-paying stocks while keeping volatility and currency risk low.</p>
<div class="lb-trans"><p><strong>Franklin International Low Volatility High Dividend Index ETF (BATS:LVHI)</strong> 跟踪 QS 国际低波动高股息对冲指数。它让您接触到国际股息支付股票，同时保持低波动性和货币风险。</p>
</div><p>At least 80% of its assets go towards that index. LVHI also uses currency hedging to mitigate exposure to exchange-rate fluctuations between the USD and other international currencies. This helps protect investors from currency-related losses when international markets decline relative to the dollar.</p>
<div class="lb-trans"><p>至少 80% 的资产用于该指数。LVHI 还使用货币对冲来减轻美元与其他国际货币之间汇率波动的影响。这有助于保护投资者在国际市场相对于美元下跌时免受货币相关损失。</p>
</div><p>LVHI has a 5.09% yield and an expense ratio of 0.40%, or $40 per $10,000.</p>
<div class="lb-trans"><p>LVHI 的收益率为 5.09%，费用比率为 0.40%，即每$10,000 收取$40。</p>
</div><h2>iShares 20+ Year Treasury Bond ETF (TLT)</h2>
<div class="lb-trans"><h2>iShares 20+ Year Treasury Bond ETF (TLT)</h2>
</div><p>Not all your dividend ETFs have to derive their income from the stock market. The <strong>iShares 20+ Year Treasury Bond ETF (NASDAQ:TLT)</strong> is an excellent choice as it gets you stellar yields while keeping risks low.</p>
<div class="lb-trans"><p>并非所有的股息 ETF 都必须从股票市场获取收入。<strong>iShares 20+ Year Treasury Bond ETF (NASDAQ:TLT)</strong> 是一个优秀的选择，因为它在保持低风险的同时为您提供了出色的收益。</p>
</div><p>When you zoom out on TLT, you may immediately notice that it has declined 46.2% over the past five years. That’s mainly due to interest rate hikes making it unappealing for investors to park their money in TLT. However, that’s what makes it so appealing right now, since interest cuts are underway once more. The Federal Reserve cut interest rates last week, and the market expects cuts to continue.</p>
<div class="lb-trans"><p>当您放大 TLT 时，您可能会立即注意到它在过去五年中下降了 46.2%。这主要是由于加息使得投资者不愿意将资金停放在 TLT 中。然而，这正是它现在如此吸引人的原因，因为利率再次开始下调。美联储上周降低了利率，市场预计降息将持续。</p>
</div><p>TLT is currently at $88.9, which is near its historical lows of around $80. As interest rates go down, TLT will surge back in earnest and can deliver triple-digit returns.</p>
<div class="lb-trans"><p>TLT 目前的价格为$88.9，接近其历史低点约$80。随着利率的下降，TLT 将会强劲反弹，并可能带来三位数的回报。</p>
</div><p>In the meantime, you can collect a 4.34% dividend yield, paid monthly. The expense ratio is also 0.15%, or $15 per $10,000.</p>
<div class="lb-trans"><p>与此同时，您可以收集 4.34% 的股息收益率，按月支付。费用比率也为 0.15%，即每$10,000 收取$15。</p>
</div><h2>Janus Henderson AAA CLO ETF (JAAA)</h2>
<div class="lb-trans"><h2>Janus Henderson AAA CLO ETF (JAAA)</h2>
</div><p><strong>Janus Henderson AAA CLO ETF (NYSEARCA:JAAA)</strong> invests in AAA-rated collateralized loan obligations. The ETF maintains at least 80% of its portfolio in AAA-rated CLOs under normal market conditions.</p>
<div class="lb-trans"><p><strong>Janus Henderson AAA CLO ETF (NYSEARCA:JAAA)</strong> 投资于 AAA 级担保贷款义务。该 ETF 在正常市场条件下至少保持 80% 的投资组合为 AAA 级 CLO。</p>
</div><p>AAA is the highest possible credit rating, and these CLOs are solid in terms of stability. They are unlikely to default even during a recession, so you’ll keep getting dividends.</p>
<div class="lb-trans"><p>AAA 是可能的最高信用评级，这些 CLO 在稳定性方面非常可靠。即使在经济衰退期间，它们也不太可能违约，因此您将继续获得股息。</p>
</div><p>JAAA pays monthly and has a 5.63% dividend yield. The expense ratio is 0.20%, or $20 per $10,000.</p>
<div class="lb-trans"><p>JAAA 按月支付，股息收益率为 5.63%。费用比率为 0.20%，即每$10,000 收取$20。</p>
</div><h2>NEOS Nasdaq-100 High Income ETF (QQQI)</h2>
<div class="lb-trans"><h2>NEOS Nasdaq-100 High Income ETF (QQQI)</h2>
</div><p>While stability and capital preservation should be your main focus, having exposure to tech stocks and their upside is also important. The <strong>NEOS Nasdaq-100 High Income ETF (NASDAQ:QQQI)</strong> gives you that exposure and pays handsomely.</p>
<div class="lb-trans"><p>虽然稳定性和资本保值应是您的主要关注点，但接触科技股及其上涨潜力也很重要。<strong>NEOS Nasdaq-100 High Income ETF (NASDAQ:QQQI)</strong> 为您提供了这种接触，并且支付丰厚的收益。</p>
</div><p>It uses covered call options to generate a double-digit yield. The ETF first buys Nasdaq-100 stocks while simultaneously writing call options against the NDX (Nasdaq-100 Index), which generates premium income for monthly distributions.</p>
<div class="lb-trans"><p>它使用覆盖性认购期权来产生双位数的收益。该 ETF 首先购买纳斯达克 100 指数的股票，同时对 NDX（纳斯达克 100 指数）进行认购期权的写入，从而为每月分配产生溢价收入。</p>
</div><p>QQQI also uses call spreads that allow for greater participation in upward market movements when they occur. However, if the market does go down sharply, QQQI will have a hard time, though you’re still likely to make money long-term.</p>
<div class="lb-trans"><p>QQQI 还使用认购价差，使您在市场上涨时能够更大程度地参与。然而，如果市场大幅下跌，QQQI 将面临困难，尽管您仍然可能在长期内获利。</p>
</div><p>QQQI yields 13.42% and has an expense ratio of 0.68%, or $68 per $10,000. It pays monthly.</p>
<div class="lb-trans"><p>QQQI 的收益率为 13.42%，费用比率为 0.68%，即每$10,000 收取$68。它按月支付。</p>
</div><p>The post The 5 Best Dividend ETFs to Secure Your Retirement Income appeared first on 24/7 Wall St..</p>
<div class="lb-trans"><p>本文《确保您的退休收入的五大最佳股息 ETF》最初发表于 24/7 Wall St..</p>
</div>

五大最佳股息 ETF，助您保障退休收入