<h2>关键要点</h2>
<ul>
<li>全球经济前景开始显得不稳定，股市也开始下滑。</li>
<li>在这种环境下，风险管理可以保护你的投资组合，帮助你度过艰难时期。</li>
<li>这四只 ETF 可以作为核心投资组合的持有资产，而不会让你面临集中风险。</li>
<li>我们更看好的 10 只股票比 Vanguard Total Stock Market ETF 更具吸引力 ›</li>
</ul>
<p>许多投资者专注于实时挑选赢家和输家。在许多情况下，简单地购买一组高质量公司的股票，让长期复利发挥作用，可能更为理想。</p>
<p>而且你并不需要 20 只不同的 ETF 来实现这一点。市场上有很多基金在数百甚至数千只股票中进行多样化投资，并且费用比率极低。这些 ETF 通常是很好的核心投资组合持有资产，可以永久持有。</p>
<p><em><strong>人工智能会创造出世界上第一个万亿富翁吗？</strong> 我们的团队刚刚发布了一份关于一家鲜为人知的公司报告，该公司被称为 “不可或缺的垄断”，提供 Nvidia 和 Intel 都需要的关键技术。<strong>继续 »</strong></em></p>
<p>由于其多样化的持股，它们能够承受各种市场环境。针对特定行业或风格的基金可能会在多年内不受欢迎，即使整体市场在上涨。红利股票就是一个很好的例子。医疗保健也是如此，或者说过去几年几乎所有非科技类股票都是如此。</p>
<p>全能型 ETF 并不是特别令人兴奋。但当市场环境开始恶化时，比如现在伊朗的战争，这些基金迅速展现出其价值。这并不一定意味着它们不会亏损，但它们可能会减轻在这些环境中可能发生的一些波动。</p>
<p>如果你在投资组合中有 2000 美元（甚至更少）闲置现金等待投资，可以看看我最喜欢的四只全能型 ETF。它们非常适合长期持有，作为核心基础资产，或者在艰难时期提供一些安全感。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-dXJsPWh0dHBzOi8vZy5mb29sY2RuLmNvbS9lZGl0b3JpYWwvaW1hZ2VzLzg1OTcwMi9nZXR0eWltYWdlcy05MTQ1OTk5Mi5qcGcWdz03MDA?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://g.foolcdn.com/image//query-dXJsPWh0dHBzOi8vZy5mb29sY2RuLmNvbS9lZGl0b3JpYWwvaW1hZ2VzLzg1OTcwMi9nZXR0eWltYWdlcy05MTQ1OTk5Mi5qcGcWdz03MDA"/></p>
<p>图片来源：Getty Images。</p>
<h2>Vanguard Total Stock Market ETF</h2>
<p><strong>Vanguard Total Stock Market ETF</strong>（NYSEMKT: VTI）是简单拥有市场的最佳例子。对于核心投资组合，许多投资者会选择 <strong>Vanguard S&amp;P 500 ETF</strong>。这无疑是一个合理的选择，拥有美国最大的公司是非常有意义的。</p>
<p>我更喜欢拥有整个美国市场，这意味着将小型公司纳入大型公司投资组合。过去几年，随着大型科技公司几乎单枪匹马推动主要平均指数上涨，这种多样化并没有太大意义。但 2026 年提醒我们，这种情况并不总是发生。Vanguard Total Stock Market ETF 大约将 25% 的资产分配给中小型股票。这足以提供一些整体风险缓解，同时捕捉额外的长期增长潜力。</p>
<h2>Invesco Nasdaq 100 ETF</h2>
<p><strong>Invesco Nasdaq 100 ETF</strong>（NASDAQ: QQQM）及其姐妹基金 <strong>Invesco QQQ ETF</strong> 一直是市场表现最好的基金之一。科技股的牛市和人工智能（AI）热潮在其中发挥了重要作用。但技术革命似乎仍处于早期阶段。</p>
<p>拥有一个在某个行业中权重如此之大的基金是有一定风险的，尤其是被指定为全能型投资组合的基金。但不可否认的是，科技是美国经济的最大驱动力之一。它持续产生稳定的收入和盈利增长，使其成为能够应对不同经济环境的行业。</p>
<h2>Schwab U.S. Dividend Equity ETF</h2>
<p><strong>Schwab U.S. Dividend Equity ETF</strong>（NYSEMKT: SCHD）是一个很好的全能型投资组合，因为它充满了能够产生大量现金流的耐用、财务健康的公司，且该投资组合与 <strong>S&amp;P 500</strong> 的样子完全不同。</p>
<p>该基金的选择过程针对那些多年来持续支付红利、具有维持这些红利支付的资产负债表健康状况并支付高于平均水平收益率的公司。其前三大行业持股分别为能源（20%）、消费品（19%）和医疗保健（16%）。这些领域的市场需求应该在任何经济环境下都保持稳定。这使得 Schwab U.S. Dividend Equity ETF 成为一个能够应对市场高低起伏的基金。</p>
<h2>Vanguard Total World Stock ETF</h2>
<p><strong>Vanguard Total World Stock ETF</strong>（NYSEMKT: VT）是一个很好的基金，它为整个美国市场增加了国际股票的曝光度。由于国际经济往往与美国有很大不同，它们提供了独特的视角和经济周期，与 S&amp;P 500 相辅相成。</p>
<p>Vanguard Total World Stock ETF 大约 60% 是美国股票，30% 是发达市场股票，10% 是新兴市场股票。如果你觉得这国际曝光度有点过多，可以使用 Vanguard Total Stock Market ETF 和 <strong>Vanguard Total International Stock ETF</strong> 的组合来调整你个人的资产配置。</p>
<h2>你现在应该购买 Vanguard Total Stock Market ETF 的股票吗？</h2>
<p>在你购买 Vanguard Total Stock Market ETF 的股票之前，请考虑以下几点：</p>
<p>_Motley Fool Stock Advisor_分析团队刚刚确定了他们认为的 <strong>10 只最佳股票</strong> 供投资者现在购买……而 Vanguard Total Stock Market ETF 并不在其中。这 10 只入选的股票在未来几年可能会产生巨大的回报。</p>
<p>考虑一下 <strong>Netflix</strong> 在 2004 年 12 月 17 日进入这个名单时……如果你在我们推荐时投资了 1000 美元，<strong>你将拥有 497,659 美元</strong>！* 或者 <strong>Nvidia</strong> 在 2005 年 4 月 15 日进入这个名单时……如果你在我们推荐时投资了 1000 美元，<strong>你将拥有 1,095,404 美元</strong>！*</p>
<p>现在值得注意的是，<em>Stock Advisor</em> 的总平均回报率为 912%——相比之下，标准普尔 500 指数的回报率为 185%，表现出色。<strong>不要错过最新的前 10 名股票列表，使用 <em>Stock Advisor</em>，加入由个人投资者为个人投资者建立的投资社区。</strong></p>
<p><strong>查看这 10 只股票 »</strong></p>
<p><em>*Stock Advisor 的回报截至 2026 年 3 月 27 日。</em></p>
<p><em>David Dierking 持有 Invesco NASDAQ 100 ETF、Vanguard Total International Stock ETF 和 Vanguard Total Stock Market ETF 的头寸。The Motley Fool 持有并推荐 Vanguard S&amp;P 500 ETF、Vanguard Total International Stock ETF 和 Vanguard Total Stock Market ETF。The Motley Fool 有披露政策。</em></p>
<p>此处表达的观点和意见仅代表作者的观点和意见，并不一定反映 Nasdaq, Inc. 的观点。</p>

全球股票指数 ETF - Vanguard

美国红利股指数 ETF - Charles Schwab

大盘指数 MSCI ETF - Vanguard

全美成长股指数 MSCI ETF - Vanguard

<p>这篇文章讨论了四只适合长期投资的 “全季节” ETF，特别是在不确定的经济条件下。这些 ETF 包括先锋总股票市场 ETF、景顺纳斯达克 100 ETF、施瓦布美国红利股 ETF 和先锋全球股票 ETF。它们旨在提供多样化并降低风险，使其成为理想的核心投资组合持有资产。重点关注能够承受市场波动的高质量公司，以较低的费用比率提供平衡的投资方式</p>

<h2>Key Points</h2>
<div class="lb-trans"><h2>关键要点</h2>
</div><ul>
<li>The global economic outlook is beginning to look shakier and equity markets have begun to decline.</li>
<li>In these types of environments, risk management can protect your portfolio and get you through the tougher times.</li>
<li>These four ETFs can act as a core portfolio holdings without exposing you to concentration risk.</li>
<li>10 stocks we like better than Vanguard Total Stock Market ETF ›</li>
</ul>
<div class="lb-trans"><ul>
<li>全球经济前景开始显得不稳定，股市也开始下滑。</li>
<li>在这种环境下，风险管理可以保护你的投资组合，帮助你度过艰难时期。</li>
<li>这四只 ETF 可以作为核心投资组合的持有资产，而不会让你面临集中风险。</li>
<li>我们更看好的 10 只股票比 Vanguard Total Stock Market ETF 更具吸引力 ›</li>
</ul>
</div><p>Many investors focus on picking winners and losers in real time. In many cases, it's more optimal to simply buy a portfolio of high-quality companies and let long-term compounding do its thing.</p>
<div class="lb-trans"><p>许多投资者专注于实时挑选赢家和输家。在许多情况下，简单地购买一组高质量公司的股票，让长期复利发挥作用，可能更为理想。</p>
</div><p>And you don't need 20 different ETFs to do it either. There are a lot of funds out there that are diversified among hundreds, if not thousands, of stocks and come with razor-thin expense ratios. These ETFs often make for great core portfolio holdings that can be bought and held forever.</p>
<div class="lb-trans"><p>而且你并不需要 20 只不同的 ETF 来实现这一点。市场上有很多基金在数百甚至数千只股票中进行多样化投资，并且费用比率极低。这些 ETF 通常是很好的核心投资组合持有资产，可以永久持有。</p>
</div><p><em><strong>Will AI create the world's first trillionaire?</strong> Our team just released a report on the one little-known company, called an &#34;Indispensable Monopoly&#34; providing the critical technology Nvidia and Intel both need. <strong>Continue »</strong></em></p>
<div class="lb-trans"><p><em><strong>人工智能会创造出世界上第一个万亿富翁吗？</strong> 我们的团队刚刚发布了一份关于一家鲜为人知的公司报告，该公司被称为 “不可或缺的垄断”，提供 Nvidia 和 Intel 都需要的关键技术。<strong>继续 »</strong></em></p>
</div><p>Because of their diverse holdings, they're built to withstand a wide range of market environments. Funds that target a specific sector or style can remain out of favor for years, even as the broader market rises. Dividend stocks are a good example. So is healthcare, or really pretty much any equity category that wasn't tech over the past few years.</p>
<div class="lb-trans"><p>由于其多样化的持股，它们能够承受各种市场环境。针对特定行业或风格的基金可能会在多年内不受欢迎，即使整体市场在上涨。红利股票就是一个很好的例子。医疗保健也是如此，或者说过去几年几乎所有非科技类股票都是如此。</p>
</div><p>All-weather ETFs aren't terribly exciting. But when conditions start to turn rough, as they are right now with the war in Iran, these funds demonstrate their value quickly. It doesn't necessarily mean that they won't lose money, but they're likely to mitigate some of the volatility that can happen in those environments.</p>
<div class="lb-trans"><p>全能型 ETF 并不是特别令人兴奋。但当市场环境开始恶化时，比如现在伊朗的战争，这些基金迅速展现出其价值。这并不一定意味着它们不会亏损，但它们可能会减轻在这些环境中可能发生的一些波动。</p>
</div><p>If you've got $2,000 (or even less) sitting in cash in your portfolio waiting to be put to work, take a look at four of my favorite all-weather ETFs. They're great for long-term buy-and-hold, as a core foundational piece, or just to provide a little security in tough times.</p>
<div class="lb-trans"><p>如果你在投资组合中有 2000 美元（甚至更少）闲置现金等待投资，可以看看我最喜欢的四只全能型 ETF。它们非常适合长期持有，作为核心基础资产，或者在艰难时期提供一些安全感。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-dXJsPWh0dHBzOi8vZy5mb29sY2RuLmNvbS9lZGl0b3JpYWwvaW1hZ2VzLzg1OTcwMi9nZXR0eWltYWdlcy05MTQ1OTk5Mi5qcGcmdz03MDA" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F859702%2Fgettyimages-91459992.jpg&amp;w=700"/></p>
<p>Image source: Getty Images.</p>
<div class="lb-trans"><p>图片来源：Getty Images。</p>
</div><h2>Vanguard Total Stock Market ETF</h2>
<div class="lb-trans"><h2>Vanguard Total Stock Market ETF</h2>
</div><p>The <strong>Vanguard Total Stock Market ETF</strong>(NYSEMKT: VTI) is the best example of simply owning the market. For core portfolio positions, many investors will choose the <strong>Vanguard S&amp;P 500 ETF</strong>. That's certainly a defensible option, and it makes a lot of sense to own the biggest U.S. companies.</p>
<div class="lb-trans"><p><strong>Vanguard Total Stock Market ETF</strong>（NYSEMKT: VTI）是简单拥有市场的最佳例子。对于核心投资组合，许多投资者会选择 <strong>Vanguard S&amp;P 500 ETF</strong>。这无疑是一个合理的选择，拥有美国最大的公司是非常有意义的。</p>
</div><p>I prefer owning the total U.S. market, which means adding smaller companies to a large-cap portfolio. That diversification hasn't mattered much over the past few years when mega-cap tech was almost single-handedly driving the major averages higher. But 2026 has been a good reminder that this doesn't always happen. The Vanguard Total Stock Market ETF allocates about 25% of its assets to mid- and small-cap stocks. That's enough to provide some overall risk mitigation while capturing additional long-term growth potential.</p>
<div class="lb-trans"><p>我更喜欢拥有整个美国市场，这意味着将小型公司纳入大型公司投资组合。过去几年，随着大型科技公司几乎单枪匹马推动主要平均指数上涨，这种多样化并没有太大意义。但 2026 年提醒我们，这种情况并不总是发生。Vanguard Total Stock Market ETF 大约将 25% 的资产分配给中小型股票。这足以提供一些整体风险缓解，同时捕捉额外的长期增长潜力。</p>
</div><h2>Invesco Nasdaq 100 ETF</h2>
<div class="lb-trans"><h2>Invesco Nasdaq 100 ETF</h2>
</div><p>The <strong>Invesco Nasdaq 100 ETF</strong>(NASDAQ: QQQM), along with its sister fund, the <strong>Invesco QQQ ETF</strong>, has been one of the market's best-performing funds. The bull market in tech stocks and the artificial intelligence (AI) boom have played big roles in that. But the technological revolution feels like it's still in the early innings.</p>
<div class="lb-trans"><p><strong>Invesco Nasdaq 100 ETF</strong>（NASDAQ: QQQM）及其姐妹基金 <strong>Invesco QQQ ETF</strong> 一直是市场表现最好的基金之一。科技股的牛市和人工智能（AI）热潮在其中发挥了重要作用。但技术革命似乎仍处于早期阶段。</p>
</div><p>There's some risk to owning a fund that's so heavily weighted in one sector, especially one designated as an all-weather portfolio. But there's no denying that tech is one of the biggest drivers of the U.S. economy. Its ability to generate consistent revenue and earnings growth makes it a sector that can weather different economic environments.</p>
<div class="lb-trans"><p>拥有一个在某个行业中权重如此之大的基金是有一定风险的，尤其是被指定为全能型投资组合的基金。但不可否认的是，科技是美国经济的最大驱动力之一。它持续产生稳定的收入和盈利增长，使其成为能够应对不同经济环境的行业。</p>
</div><h2>Schwab U.S. Dividend Equity ETF</h2>
<div class="lb-trans"><h2>Schwab U.S. Dividend Equity ETF</h2>
</div><p>The <strong>Schwab U.S. Dividend Equity ETF</strong>(NYSEMKT: SCHD) is a great all-weather portfolio because it's full of durable, financially healthy companies that generate lots of cash flow, and the portfolio doesn't look anything like the <strong>S&amp;P 500</strong>.</p>
<div class="lb-trans"><p><strong>Schwab U.S. Dividend Equity ETF</strong>（NYSEMKT: SCHD）是一个很好的全能型投资组合，因为它充满了能够产生大量现金流的耐用、财务健康的公司，且该投资组合与 <strong>S&amp;P 500</strong> 的样子完全不同。</p>
</div><p>The fund's selection process targets companies that have paid dividends for years, have the balance sheet health to maintain those dividend payments, and pay above-average yields. Its top three sector holdings are energy (20%), consumer staples (19%), and healthcare (16%). These are areas of the market that should have steady demand regardless of the economic environment. That makes the Schwab U.S. Dividend Equity ETF a fund built to ride out the highs and lows.</p>
<div class="lb-trans"><p>该基金的选择过程针对那些多年来持续支付红利、具有维持这些红利支付的资产负债表健康状况并支付高于平均水平收益率的公司。其前三大行业持股分别为能源（20%）、消费品（19%）和医疗保健（16%）。这些领域的市场需求应该在任何经济环境下都保持稳定。这使得 Schwab U.S. Dividend Equity ETF 成为一个能够应对市场高低起伏的基金。</p>
</div><h2>Vanguard Total World Stock ETF</h2>
<div class="lb-trans"><h2>Vanguard Total World Stock ETF</h2>
</div><p>The <strong>Vanguard Total World Stock ETF</strong>(NYSEMKT: VT) is a great fund that adds international equity exposure to the total U.S. market. Since international economies can often look very different from the U.S., they offer a unique perspective and economic cycles that pair well with the S&amp;P 500.</p>
<div class="lb-trans"><p><strong>Vanguard Total World Stock ETF</strong>（NYSEMKT: VT）是一个很好的基金，它为整个美国市场增加了国际股票的曝光度。由于国际经济往往与美国有很大不同，它们提供了独特的视角和经济周期，与 S&amp;P 500 相辅相成。</p>
</div><p>The Vanguard Total World Stock ETF is roughly 60% U.S. stocks, 30% developed-market stocks, and 10% emerging-market stocks. If that's a little too much international exposure for your liking, you can use a combination of the Vanguard Total Stock Market ETF and the <strong>Vanguard Total International Stock ETF</strong> to tailor your own personal asset allocation.</p>
<div class="lb-trans"><p>Vanguard Total World Stock ETF 大约 60% 是美国股票，30% 是发达市场股票，10% 是新兴市场股票。如果你觉得这国际曝光度有点过多，可以使用 Vanguard Total Stock Market ETF 和 <strong>Vanguard Total International Stock ETF</strong> 的组合来调整你个人的资产配置。</p>
</div><h2>Should you buy stock in Vanguard Total Stock Market ETF right now?</h2>
<div class="lb-trans"><h2>你现在应该购买 Vanguard Total Stock Market ETF 的股票吗？</h2>
</div><p>Before you buy stock in Vanguard Total Stock Market ETF, consider this:</p>
<div class="lb-trans"><p>在你购买 Vanguard Total Stock Market ETF 的股票之前，请考虑以下几点：</p>
</div><p>The <em>Motley Fool Stock Advisor</em> analyst team just identified what they believe are the <strong>10 best stocks</strong> for investors to buy now… and Vanguard Total Stock Market ETF wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years.</p>
<div class="lb-trans"><p>_Motley Fool Stock Advisor_分析团队刚刚确定了他们认为的 <strong>10 只最佳股票</strong> 供投资者现在购买……而 Vanguard Total Stock Market ETF 并不在其中。这 10 只入选的股票在未来几年可能会产生巨大的回报。</p>
</div><p>Consider when <strong>Netflix</strong> made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, <strong>you’d have $497,659</strong>!* Or when <strong>Nvidia</strong> made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, <strong>you’d have $1,095,404</strong>!*</p>
<div class="lb-trans"><p>考虑一下 <strong>Netflix</strong> 在 2004 年 12 月 17 日进入这个名单时……如果你在我们推荐时投资了 1000 美元，<strong>你将拥有 497,659 美元</strong>！* 或者 <strong>Nvidia</strong> 在 2005 年 4 月 15 日进入这个名单时……如果你在我们推荐时投资了 1000 美元，<strong>你将拥有 1,095,404 美元</strong>！*</p>
</div><p>Now, it’s worth noting <em>Stock Advisor’s</em> total average return is 912% — a market-crushing outperformance compared to 185% for the S&amp;P 500. <strong>Don't miss the latest top 10 list, available with <em>Stock Advisor</em>, and join an investing community built by individual investors for individual investors.</strong></p>
<div class="lb-trans"><p>现在值得注意的是，<em>Stock Advisor</em> 的总平均回报率为 912%——相比之下，标准普尔 500 指数的回报率为 185%，表现出色。<strong>不要错过最新的前 10 名股票列表，使用 <em>Stock Advisor</em>，加入由个人投资者为个人投资者建立的投资社区。</strong></p>
</div><p><strong>See the 10 stocks »</strong></p>
<div class="lb-trans"><p><strong>查看这 10 只股票 »</strong></p>
</div><p><em>*Stock Advisor returns as of March 27, 2026.</em></p>
<div class="lb-trans"><p><em>*Stock Advisor 的回报截至 2026 年 3 月 27 日。</em></p>
</div><p><em>David Dierking has positions in Invesco NASDAQ 100 ETF, Vanguard Total International Stock ETF, and Vanguard Total Stock Market ETF. The Motley Fool has positions in and recommends Vanguard S&amp;P 500 ETF, Vanguard Total International Stock ETF, and Vanguard Total Stock Market ETF. The Motley Fool has a disclosure policy.</em></p>
<div class="lb-trans"><p><em>David Dierking 持有 Invesco NASDAQ 100 ETF、Vanguard Total International Stock ETF 和 Vanguard Total Stock Market ETF 的头寸。The Motley Fool 持有并推荐 Vanguard S&amp;P 500 ETF、Vanguard Total International Stock ETF 和 Vanguard Total Stock Market ETF。The Motley Fool 有披露政策。</em></p>
</div><p>The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.</p>
<div class="lb-trans"><p>此处表达的观点和意见仅代表作者的观点和意见，并不一定反映 Nasdaq, Inc. 的观点。</p>
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用 2000 美元购买并长期持有的 4 只 “全天候” ETF