<ul>
<li>这些 ETF 的费用几乎为零</li>
<li>它们都支付股息</li>
<li>结合起来，它们可以创建一个即时多元化的投资组合</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。每位顾问都经过严格审查，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>
<p>如果你正在为退休储蓄，你可能会担心当前经济的不确定性和动荡可能对你的养老金产生影响。但一个多元化的投资组合应该能够抵御任何风暴。</p>
<p>然而，挑选出能够创造成功投资组合的股票需要时间和一定的技巧。但你可以通过投资指数基金来消除这种猜测。这些是专业管理的基金，旨在模仿包含数百只领先股票的市场指数的表现。这提供了即时的多元化，而无需挑选股票。</p>
<p>一些指数基金甚至支付股息。这是公司利润向股东支付的定期款项。</p>
<p>你可以通过将一个总股票市场基金与一个总债券市场基金结合，轻松创建一个多元化的投资组合。</p>
<p>对于那些为退休储蓄的人来说，这个投资组合可以帮助保值，同时从市场的上涨中获益。</p>
<p>以下是两个可以帮助你以低费用构建此投资组合的富达基金。</p>
<h2>富达零费用总市场指数基金 (FZROX)</h2>
<p>富达零费用总市场指数基金 (FZROX) 是富达零费用比率共同基金系列的一部分。费用比率是每年自动从股价中扣除的管理费用。但 0% 的费用比率意味着管理费用不会侵蚀该基金的回报——这是总股票市场指数基金的罕见情况。</p>
<p>因此，使用 FZROX，你可以享受复利，而无需从你的回报中扣除年度管理费用。</p>
<p>FZROX 至少将 80% 的资产投资于富达美国总可投资市场指数中的普通股。这使你能够接触到各个行业的小型、中型和大型公司。</p>
<p>即时多元化确保你不会过于依赖某一特定公司、行业或领域。其持股包括 Nvidia (NASDAQ:NVDA)、Microsoft (NASDAQ:MSFT)、Apple (NASDAQ:AAPL)、Meta (NASDAQ:META) 和 Amazon (NASDAQ:AMZN) 等大牌公司。</p>
<p>该基金目前的净资产为 295.1 亿美元，且其一年平均年回报率为 15.94%。FZROX 还支付年度股息，这可以为退休人员提供稳定的收入来源，无论市场状况和通货膨胀如何。</p>
<h2>富达总债券 ETF (FBND)</h2>
<p>富达总债券 ETF (FBND) 是一只主动管理的 ETF，旨在提供高水平的当前收入并超越彭博美国综合债券指数。到目前为止，它在这一目标上取得了成功。</p>
<p>它至少将 80% 的资产投资于广泛的投资级和高收益债券，涵盖公司债、政府债和抵押贷款支持证券。这使其通常比股票基金更安全、波动性更小。事实上，根据富达的研究，自 1926 年以来，当股票下跌时，债券帮助稳定整体投资组合回报的比例达 88%。</p>
<p>此外，FBND 的大部分持股为国债。这包括国债和国库票据。国债被认为是最安全的投资之一，因为它们得到了美国政府的全力支持。</p>
<p>但 FBND 提供的不仅仅是稳定性和多元化。作为一只支付股息的基金，FBND 还为退休人员提供稳定的每月收入来源。</p>
<p>FBND 的年总回报率为 3.77%，收益率为 4.57%。它持有 203 亿美元的净资产。此外，晨星给予它 4/5 星的评级。</p>
<p>FBND 的费用比率为 0.36% 或每 10,000 美元 36 美元。</p>
<h2>你应该选择哪个？</h2>
<p>如果你距离退休还有很远，你可能有风险承受能力，可以更积极地投资于以增长为导向的证券，如股票。FZROX 适合你，因为它投资于不同市值和行业的各种股票。</p>
<p>但如果你接近或已经退休，你的目标可能是保值，减少风险。固定收益基金可以在这里提供帮助。而 FBND 可以让你接触到更广泛的债券市场，同时支付股息。</p>
<p>尽管如此，将 FZROX 和 FBND 同时纳入你的投资组合也是有帮助的。这两只基金可以让你同时获得来自股票和债券市场的回报。结合起来，这两只基金可以为你提供即时多元化，而无需仔细分析和挑选不同的股票和债券来构建你的投资组合。此外，你还可以从每只基金中获得定期的股息支付作为退休收入。</p>
<p>这篇文章《提升退休收入：两只低成本的富达基金》最初发表于 24/7 Wall St..</p>

全债 ETF - Fidelity

<p>本文讨论了两只适合在经济不确定性中进行退休储蓄的低成本富达基金。富达零费用总市场指数基金（FZROX）提供 0% 的费用比率，能够实现即时多样化和年度分红，过去一年回报率为 15.94%。富达总债券 ETF（FBND）专注于收入生成，投资于投资级和高收益债券，收益率为 4.57%，过去一年回报率为 3.77%。这两只基金旨在为退休人员创建一个平衡的投资组合，其中 FZROX 更具进取性，而 FBND 则提供稳定性</p>

<ul>
<li>These ETFs stand out for little to no fees</li>
<li>They both pay dividends</li>
<li>Combined, they can create an instantly diversified portfolio</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 的费用几乎为零</li>
<li>它们都支付股息</li>
<li>结合起来，它们可以创建一个即时多元化的投资组合</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。每位顾问都经过严格审查，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><p>If you’re saving for retirement, you’re probably concerned about how current economic uncertainty and turbulence may impact your nest egg. But a diversified portfolio should be able to weather any storm.</p>
<div class="lb-trans"><p>如果你正在为退休储蓄，你可能会担心当前经济的不确定性和动荡可能对你的养老金产生影响。但一个多元化的投资组合应该能够抵御任何风暴。</p>
</div><p>However, it takes time and a certain degree of acumen to pick stocks that create a winning portfolio. But you can take out the guess work by investing in index funds. These are professionally managed funds that aim to mimic the performance of market indexes that contain hundreds of leading stocks. This offers instant diversification, without the need for stock picking.</p>
<div class="lb-trans"><p>然而，挑选出能够创造成功投资组合的股票需要时间和一定的技巧。但你可以通过投资指数基金来消除这种猜测。这些是专业管理的基金，旨在模仿包含数百只领先股票的市场指数的表现。这提供了即时的多元化，而无需挑选股票。</p>
</div><p>Some index funds even pay dividends. These are regular payments made to shareholders from the company’s profits.</p>
<div class="lb-trans"><p>一些指数基金甚至支付股息。这是公司利润向股东支付的定期款项。</p>
</div><p>And you can easily create a diversified portfolio by combining a total stock market fund with a total bond market fund.</p>
<div class="lb-trans"><p>你可以通过将一个总股票市场基金与一个总债券市场基金结合，轻松创建一个多元化的投资组合。</p>
</div><p>For those saving for retirement, this portfolio could help preserve earnings – while gaining from market upsides.</p>
<div class="lb-trans"><p>对于那些为退休储蓄的人来说，这个投资组合可以帮助保值，同时从市场的上涨中获益。</p>
</div><p>Here are two Fidelity funds that could help you build this portfolio with low fees.</p>
<div class="lb-trans"><p>以下是两个可以帮助你以低费用构建此投资组合的富达基金。</p>
</div><h2>Fidelity ZERO Total Market Index Fund (FZROX)</h2>
<div class="lb-trans"><h2>富达零费用总市场指数基金 (FZROX)</h2>
</div><p>The Fidelity ZERO Total Market Index Fund (FZROX) is part of Fidelity’s lineup of zero expense ratio mutual funds. Expense ratios are annual management fees that are automatically deducted from the share price. But a 0% expense ratio means that management fees won’t eat into this fund’s returns – a rarity for total stock market index funds.</p>
<div class="lb-trans"><p>富达零费用总市场指数基金 (FZROX) 是富达零费用比率共同基金系列的一部分。费用比率是每年自动从股价中扣除的管理费用。但 0% 的费用比率意味着管理费用不会侵蚀该基金的回报——这是总股票市场指数基金的罕见情况。</p>
</div><p>So with FZROX, you can benefit from compound interest with no annual management fees taken out of your returns.</p>
<div class="lb-trans"><p>因此，使用 FZROX，你可以享受复利，而无需从你的回报中扣除年度管理费用。</p>
</div><p>FZROX invests at least 80% of its assets in common stocks included within the Fidelity U.S. Total Investable Market Index. This gives you exposure to small-, mid- and large-cap companies across various sectors.</p>
<div class="lb-trans"><p>FZROX 至少将 80% 的资产投资于富达美国总可投资市场指数中的普通股。这使你能够接触到各个行业的小型、中型和大型公司。</p>
</div><p>Instant diversification ensures you are not overly reliant on one particular company, sector or industry. Its holdings include big names like Nvidia (NASDAQ:NVDA), Microsoft (NASDAQ:MSFT), Apple (NASDAQ:AAPL), Meta (NASDAQ:META) and Amazon (NASDAQ:AMZN)</p>
<div class="lb-trans"><p>即时多元化确保你不会过于依赖某一特定公司、行业或领域。其持股包括 Nvidia (NASDAQ:NVDA)、Microsoft (NASDAQ:MSFT)、Apple (NASDAQ:AAPL)、Meta (NASDAQ:META) 和 Amazon (NASDAQ:AMZN) 等大牌公司。</p>
</div><p>The fund currently has $29.51 billion in net assets, and it boasts a healthy one-year average annual return of 15.94%. FZROX also pays annual dividends, which can provide retirees with a steady stream of income regardless of market conditions and inflation.</p>
<div class="lb-trans"><p>该基金目前的净资产为 295.1 亿美元，且其一年平均年回报率为 15.94%。FZROX 还支付年度股息，这可以为退休人员提供稳定的收入来源，无论市场状况和通货膨胀如何。</p>
</div><h2>Fidelity Total Bond ETF (FBND)</h2>
<div class="lb-trans"><h2>富达总债券 ETF (FBND)</h2>
</div><p>The Fidelity Total Bond ETF (FBND) is an actively managed ETF that aims to provide a high level of current income and outperform the Bloomberg U.S. Universal Bond Index. So far, it has been succeeding in that goal.</p>
<div class="lb-trans"><p>富达总债券 ETF (FBND) 是一只主动管理的 ETF，旨在提供高水平的当前收入并超越彭博美国综合债券指数。到目前为止，它在这一目标上取得了成功。</p>
</div><p>It invests at least 80 percent of its assets in a broad range of investment-grade and high-yield bonds that spans corporate, government and mortgage-backed securities. This makes it generally safer and less volatile than a stock fund. In fact, bonds have helped stabilize overall portfolio returns 88% of the time when stocks have fallen since 1926, according to research by Fidelity.</p>
<div class="lb-trans"><p>它至少将 80% 的资产投资于广泛的投资级和高收益债券，涵盖公司债、政府债和抵押贷款支持证券。这使其通常比股票基金更安全、波动性更小。事实上，根据富达的研究，自 1926 年以来，当股票下跌时，债券帮助稳定整体投资组合回报的比例达 88%。</p>
</div><p>Moreover, most of FBND’s holdings are in Treasury securities. These include Treasury bonds and Treasury notes. Treasury securities are considered among the safest investments because they are backed by the full faith of the United States government.</p>
<div class="lb-trans"><p>此外，FBND 的大部分持股为国债。这包括国债和国库票据。国债被认为是最安全的投资之一，因为它们得到了美国政府的全力支持。</p>
</div><p>But the FBND offers more than just stability and diversification. As a dividend paying fund, FBND also provides retirees with a steady and monthly stream of income.</p>
<div class="lb-trans"><p>但 FBND 提供的不仅仅是稳定性和多元化。作为一只支付股息的基金，FBND 还为退休人员提供稳定的每月收入来源。</p>
</div><p>FBND has generated a one-year total return of 3.77 percent and it has a yield of 4.57 percent. It holds $20.3 billion in net assets. Plus, Morningstar has given it a ⅘ star rating.</p>
<div class="lb-trans"><p>FBND 的年总回报率为 3.77%，收益率为 4.57%。它持有 203 亿美元的净资产。此外，晨星给予它 4/5 星的评级。</p>
</div><p>FBND has an expense ratio of 0.36% or $36 per $10,000.</p>
<div class="lb-trans"><p>FBND 的费用比率为 0.36% 或每 10,000 美元 36 美元。</p>
</div><h2>Which should you choose?</h2>
<div class="lb-trans"><h2>你应该选择哪个？</h2>
</div><p>If you’re far from retirement, you may have the risk tolerance to invest more aggressively in growth-oriented securities like stocks. FZROX can suit you as it invests in various stocks across different market capitalizations and industries.</p>
<div class="lb-trans"><p>如果你距离退休还有很远，你可能有风险承受能力，可以更积极地投资于以增长为导向的证券，如股票。FZROX 适合你，因为它投资于不同市值和行业的各种股票。</p>
</div><p>But if you’re near or in retirement, your goal may be to preserve what you’ve accumulated over the years and take on less risk. A fixed-income fund can help here. And the FBND can give you exposure to the greater bond market, while also paying dividends.</p>
<div class="lb-trans"><p>但如果你接近或已经退休，你的目标可能是保值，减少风险。固定收益基金可以在这里提供帮助。而 FBND 可以让你接触到更广泛的债券市场，同时支付股息。</p>
</div><p>Nonetheless, it can help to have both FZROX and FBND in your portfolio. These two funds can give you access to returns from both the greater stock and bond markets. Combined, these two funds can provide you with instant diversification without the need to carefully analyze and pick different stocks and bonds to build your portfolio with. Plus, you’d be receiving regular dividend payments as retirement income from each fund.</p>
<div class="lb-trans"><p>尽管如此，将 FZROX 和 FBND 同时纳入你的投资组合也是有帮助的。这两只基金可以让你同时获得来自股票和债券市场的回报。结合起来，这两只基金可以为你提供即时多元化，而无需仔细分析和挑选不同的股票和债券来构建你的投资组合。此外，你还可以从每只基金中获得定期的股息支付作为退休收入。</p>
</div><p>The post Boost Retirement Income: Two Low-Cost Fidelity Funds to Own appeared first on 24/7 Wall St..</p>
<div class="lb-trans"><p>这篇文章《提升退休收入：两只低成本的富达基金》最初发表于 24/7 Wall St..</p>
</div>

提升退休收入：值得持有的两只低成本 Fidelity 基金