<p>投資者不必積累股票來產生回報。債券可以提供穩定的收入，並且比股票波動性更小。這些金融資產通常在到期之前保持其價值，並在此期間支付利息。</p>
<p>雖然你可以購買單個債券，但購買債券 ETF 的份額要容易得多。兩個最受歡迎的債券 ETF 是 <strong>iShares Core US Aggregate Bond ETF</strong> ( <strong>NYSEARCA:AGG</strong>) 和 <strong>Vanguard Total Bond Market Index Fund ETF</strong> ( <strong>NASDAQ:BND</strong>)。你可以投資這兩個 ETF，但本指南將探討哪個債券 ETF 對長期投資者更具吸引力。</p>
<ul>
<li>AGG 和 BND 是可用的頂級債券 ETF 之一。</li>
</ul>
<ul>
<li>發現哪個債券 ETF 是長期投資者的更好選擇。</li>
</ul>
<ul>
<li>今年有 400 萬美國人即將退休。如果你想加入他們，請立即點擊這裏查看你是否落後，或領先。只需一分鐘。 (贊助商)</li>
</ul>
<h2>長期回報</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/11/shutterstock-2531239303-huge-licensed-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/2024/11/shutterstock-2531239303-huge-licensed-scaled.jpg"/></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>這兩個基金的長期回報相似，但 Vanguard Total Bond Market Index Fund ETF 的回報略高。BND 在過去十年中實現了年化 1.42% 的回報，而 AGG 在同一時期的年化回報為 1.38%。</p>
<p>債券 ETF 的回報通常低於成長型 ETF 是正常的。這是因為債券 ETF 優先考慮提供固定收入的資產，而不是讓投資者有機會實現顯著的長期收益。</p>
<h2>費用比率</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/shutterstock-2251639961-huge-licensed-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/2025/01/shutterstock-2251639961-huge-licensed-scaled.jpg"/></p>
<p>費用比率衡量每年分配給基金經理的投資組合百分比。較低的費用比率意味着你可以保留更多的資本，這兩個 ETF 的費用比率均為 0.03%。當費用比率應用於你的賬户時，你幾乎不會注意到。</p>
<h2>SEC 收益率</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2018/08/thinkstockphotos-med241031c.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/2018/08/thinkstockphotos-med241031c.jpg"/></p>
<p>雖然這兩個基金的費用比率都很小，但 30 天的 SEC 收益率是債券 ETF 的一個關鍵指標。許多人傾向於選擇債券 ETF 以獲取收入，因此投資者尋求高收益。AGG 的收益率為 4.60%，與 BND 的 30 天 SEC 收益率相同。</p>
<p>然而，如果你放大到 12 個月的收益率，會有一個小差距。AGG 的收益率為 3.72%，而 BND 在過去 12 個月的收益率為 3.65%。</p>
<h2>投資組合配置</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/shutterstock-2465944581-huge-licensed-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/2025/01/shutterstock-2465944581-huge-licensed-scaled.jpg"/></p>
<p>這兩個基金都優先投資於政府債券，各自將大約一半的資產配置到這一資產類別。ETF 還將約 25% 的持倉投資於公司債券。AGG 和 BND 在債券等級上的投資組合配置也相似，但有一個顯著的區別。</p>
<p>BND 將 71.7% 的資產配置到 AAA 級債券，3.1% 的資產配置到 AA 級債券。然而，AGG 的數字幾乎是相反的。該 ETF 將 2.7% 的資產配置到 AAA 級債券，73.0% 的資產配置到 AA 級債券。</p>
<p>AA 級債券風險較高，但通常仍然安全。作為額外風險的交換，債券持有人通常會獲得更高的收益。這也是 AGG 的 12 個月收益率略高於 BND 的部分原因。</p>
<h2>債券期限</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/shutterstock-2478470827-huge-licensed-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/2025/01/shutterstock-2478470827-huge-licensed-scaled.jpg"/></p>
<p>BND 優先考慮 1-3 年期債券，3-5 年期債券是 BND 到期日的第二大部分。該 ETF 還包括 7-20 年期的債券。該基金在 7-10 年期債券的集中度最低。AGG 有類似的設置，但 1-3 年期債券和 3-5 年期債券之間的差距較小。這兩個 ETF 幾乎所有的持倉都是美國債券。</p>
<h2>債券 ETF 最適合誰？</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/08/shutterstock-2484369079-huge-licensed-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/2024/08/shutterstock-2484369079-huge-licensed-scaled.jpg"/></p>
<p>債券 ETF 最適合那些希望收集被動收入而不必擔心投資大幅貶值的風險厭惡型投資者。這些債券在市場急劇下跌時不太容易受到影響，並且收益率高於大多數股票和 ETF。</p>
<p>年輕投資者可能更傾向於選擇其他投資，例如成長型股票和 ETF。這些投資者有更多時間等待市場修正後其持倉恢復。</p>
<p>如果你必須在兩個債券 ETF 之間選擇，BND 看起來是更好的選擇。雖然這兩個債券 ETF 非常相似，但 BND 在年化回報上略勝於 AGG。它們的 30 天 SEC 收益率是相同的。</p>
<p>文章標題為 AGG 與 BND：哪個債券 ETF 更值得購買？首次發佈於 24/7 Wall St..</p>

美債市場指數 ETF - Vanguard

美國債券綜合指數 ETF - iShares

<p>這篇文章比較了兩種受歡迎的債券 ETF：iShares Core US Aggregate Bond ETF（AGG）和 Vanguard Total Bond Market Index Fund ETF（BND）。這兩隻 ETF 都提供穩定的收入和低波動性，但 BND 的長期回報略高（1.42% 對 1.38%）。它們的費用比率均為 0.03%，且 30 天的 SEC 收益率相同，均為 4.60%。然而，AGG 的 12 個月收益率更高（3.72% 對 3.65%）。BND 更側重於 AAA 級債券，而 AGG 則更多投資於 AA 級債券。對於尋求被動收入的風險厭惡型投資者，推薦選擇 BND 作為更好的選擇</p>

<p>Investors don’t have to accumulate stocks to generate returns. Bonds can provide stable income and less volatility than equities. These financial assets typically retain their value until maturity and pay coupons along the way.</p>
<div class="lb-trans"><p>投資者不必積累股票來產生回報。債券可以提供穩定的收入，並且比股票波動性更小。這些金融資產通常在到期之前保持其價值，並在此期間支付利息。</p>
</div><p>While you can buy individual bonds, it’s much easier to buy shares in a bond ETF. Two of the most reputable bond ETFs are the <strong>iShares Core US Aggregate Bond ETF</strong> ( <strong>NYSEARCA:AGG</strong>) and the <strong>Vanguard Total Bond Market Index Fund ETF</strong> ( <strong>NASDAQ:BND</strong>). You can invest in both ETFs, but this guide will explore which bond ETF is more appealing for long-term investors.</p>
<div class="lb-trans"><p>雖然你可以購買單個債券，但購買債券 ETF 的份額要容易得多。兩個最受歡迎的債券 ETF 是 <strong>iShares Core US Aggregate Bond ETF</strong> ( <strong>NYSEARCA:AGG</strong>) 和 <strong>Vanguard Total Bond Market Index Fund ETF</strong> ( <strong>NASDAQ:BND</strong>)。你可以投資這兩個 ETF，但本指南將探討哪個債券 ETF 對長期投資者更具吸引力。</p>
</div><ul>
<li>AGG and BND are two of the top bond ETFs available.</li>
</ul>
<div class="lb-trans"><ul>
<li>AGG 和 BND 是可用的頂級債券 ETF 之一。</li>
</ul>
</div><ul>
<li>Discover which bond ETF is the better choice for long-term investors.</li>
</ul>
<div class="lb-trans"><ul>
<li>發現哪個債券 ETF 是長期投資者的更好選擇。</li>
</ul>
</div><ul>
<li>4 million Americans are set to retire this year. If you want to join them, click here now to see if you’re behind, or ahead. It only takes a minute. (Sponsor)</li>
</ul>
<div class="lb-trans"><ul>
<li>今年有 400 萬美國人即將退休。如果你想加入他們，請立即點擊這裏查看你是否落後，或領先。只需一分鐘。 (贊助商)</li>
</ul>
</div><h2>Long-Term Returns</h2>
<div class="lb-trans"><h2>長期回報</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/11/shutterstock-2531239303-huge-licensed-scaled.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2024/11/shutterstock-2531239303-huge-licensed-scaled.jpg"/></p>
<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>Both funds have produced similar long-term returns, but the Vanguard Total Bond Market Index Fund ETF has slightly higher returns. BND has delivered an annualized 1.42% return over the past decade, while AGG has produced an annualized 1.38% return during the same stretch.</p>
<div class="lb-trans"><p>這兩個基金的長期回報相似，但 Vanguard Total Bond Market Index Fund ETF 的回報略高。BND 在過去十年中實現了年化 1.42% 的回報，而 AGG 在同一時期的年化回報為 1.38%。</p>
</div><p>It’s normal for bond ETFs to have low returns compared to growth ETFs. That’s because bond ETFs prioritize assets that offer fixed income instead of giving investors the potential to realize meaningful long-term gains.</p>
<div class="lb-trans"><p>債券 ETF 的回報通常低於成長型 ETF 是正常的。這是因為債券 ETF 優先考慮提供固定收入的資產，而不是讓投資者有機會實現顯著的長期收益。</p>
</div><h2>Expense Ratio</h2>
<div class="lb-trans"><h2>費用比率</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/shutterstock-2251639961-huge-licensed-scaled.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2025/01/shutterstock-2251639961-huge-licensed-scaled.jpg"/></p>
<p>The expense ratio measures the percentage of your portfolio that goes to the fund manager each year. A low expense ratio means you get to keep more of your capital, and both ETFs deliver with 0.03% expense ratios. You’ll barely notice when the expense ratio is applied to your account.</p>
<div class="lb-trans"><p>費用比率衡量每年分配給基金經理的投資組合百分比。較低的費用比率意味着你可以保留更多的資本，這兩個 ETF 的費用比率均為 0.03%。當費用比率應用於你的賬户時，你幾乎不會注意到。</p>
</div><h2>SEC Yields</h2>
<div class="lb-trans"><h2>SEC 收益率</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2018/08/thinkstockphotos-med241031c.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2018/08/thinkstockphotos-med241031c.jpg"/></p>
<p>While the expense ratio is a small number for both funds, the 30-day SEC yield is a key metric for bond ETFs. Many people gravitate toward bond ETFs for income, so investors are seeking high yields. AGG has a 4.60% yield, which is identical to BND’s 30-day SEC yield.</p>
<div class="lb-trans"><p>雖然這兩個基金的費用比率都很小，但 30 天的 SEC 收益率是債券 ETF 的一個關鍵指標。許多人傾向於選擇債券 ETF 以獲取收入，因此投資者尋求高收益。AGG 的收益率為 4.60%，與 BND 的 30 天 SEC 收益率相同。</p>
</div><p>However, there is a slight gap if you zoom out to 12-month yields. AGG has a 3.72% yield, while BND has a lower 3.65% yield over the past 12 months.</p>
<div class="lb-trans"><p>然而，如果你放大到 12 個月的收益率，會有一個小差距。AGG 的收益率為 3.72%，而 BND 在過去 12 個月的收益率為 3.65%。</p>
</div><h2>Portfolio Allocation</h2>
<div class="lb-trans"><h2>投資組合配置</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/shutterstock-2465944581-huge-licensed-scaled.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2025/01/shutterstock-2465944581-huge-licensed-scaled.jpg"/></p>
<p>Both funds prioritize government bonds, with each of them committing approximately half of their assets to this asset group. The ETFs also put about 25% of their holdings into corporate bonds. AGG and BND even have similar portfolio allocations across bond grades, but there is one notable difference.</p>
<div class="lb-trans"><p>這兩個基金都優先投資於政府債券，各自將大約一半的資產配置到這一資產類別。ETF 還將約 25% 的持倉投資於公司債券。AGG 和 BND 在債券等級上的投資組合配置也相似，但有一個顯著的區別。</p>
</div><p>BND allocates 71.7% of its assets to AAA-rated bonds and 3.1% of its assets to AA-rated bonds. However, the numbers are almost reversed for AGG. That ETF puts 2.7% of its assets into AAA-rated bonds and 73.0% of its assets into AA-rated bonds.</p>
<div class="lb-trans"><p>BND 將 71.7% 的資產配置到 AAA 級債券，3.1% 的資產配置到 AA 級債券。然而，AGG 的數字幾乎是相反的。該 ETF 將 2.7% 的資產配置到 AAA 級債券，73.0% 的資產配置到 AA 級債券。</p>
</div><p>AA-rated bonds are riskier but are still generally safe. In exchange for the extra risk, bondholders typically get higher yields. That’s part of the reason why AGG has a slightly higher 12-month yield than BND.</p>
<div class="lb-trans"><p>AA 級債券風險較高，但通常仍然安全。作為額外風險的交換，債券持有人通常會獲得更高的收益。這也是 AGG 的 12 個月收益率略高於 BND 的部分原因。</p>
</div><h2>Bond Duration</h2>
<div class="lb-trans"><h2>債券期限</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/01/shutterstock-2478470827-huge-licensed-scaled.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2025/01/shutterstock-2478470827-huge-licensed-scaled.jpg"/></p>
<p>BND prioritizes 1-3 year bond terms, with 3-5 year bond terms being the second largest portion of BND’s maturity dates. The ETF also has 7-20 year terms. The fund has the smallest concentration in 7-10 year bond durations. AGG has a similar setup, but the margin between 1-3 year bonds and 3-5 year bonds is smaller. Both ETFs have almost all of their holdings in U.S. bonds.</p>
<div class="lb-trans"><p>BND 優先考慮 1-3 年期債券，3-5 年期債券是 BND 到期日的第二大部分。該 ETF 還包括 7-20 年期的債券。該基金在 7-10 年期債券的集中度最低。AGG 有類似的設置，但 1-3 年期債券和 3-5 年期債券之間的差距較小。這兩個 ETF 幾乎所有的持倉都是美國債券。</p>
</div><h2>Who Are Bond ETFs Best For?</h2>
<div class="lb-trans"><h2>債券 ETF 最適合誰？</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2024/08/shutterstock-2484369079-huge-licensed-scaled.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2024/08/shutterstock-2484369079-huge-licensed-scaled.jpg"/></p>
<p>Bond ETFs are best for risk-averse investors who want to collect passive income without worrying about their investment losing significant value. These bonds are less vulnerable during sharp market downturns and have higher yields than most stocks and ETFs.</p>
<div class="lb-trans"><p>債券 ETF 最適合那些希望收集被動收入而不必擔心投資大幅貶值的風險厭惡型投資者。這些債券在市場急劇下跌時不太容易受到影響，並且收益率高於大多數股票和 ETF。</p>
</div><p>Younger investors may want to choose other investments, such as growth stocks and ETFs. These investors have more time to wait for their positions to recover after market corrections.</p>
<div class="lb-trans"><p>年輕投資者可能更傾向於選擇其他投資，例如成長型股票和 ETF。這些投資者有更多時間等待市場修正後其持倉恢復。</p>
</div><p>If you have to pick between two bond ETFs, BND looks like the better pick. While both bond ETFs are very similar, BND narrowly beats AGG on its annualized returns. Their 30-day SEC yields are identical.</p>
<div class="lb-trans"><p>如果你必須在兩個債券 ETF 之間選擇，BND 看起來是更好的選擇。雖然這兩個債券 ETF 非常相似，但 BND 在年化回報上略勝於 AGG。它們的 30 天 SEC 收益率是相同的。</p>
</div><p>The post AGG vs BND: Which Bond ETF Is a Better One to Buy? appeared first on 24/7 Wall St..</p>
<div class="lb-trans"><p>文章標題為 AGG 與 BND：哪個債券 ETF 更值得購買？首次發佈於 24/7 Wall St..</p>
</div>