<p>高質量的分紅股票顯然是尋求可靠收入的投資者的絕佳選擇。而且，對於那些需要分紅收入來覆蓋不斷上漲的生活成本的人來説，它們尤其是一個明智的選擇。</p>
<p>然而，大多數分紅股票的季度支付頻率對於依賴分紅收入來支付每月賬單的人來説並不總是方便。</p>
<p>不過，有解決方案。雖然並不常見，但有幾隻分紅股票是按月而不是按季度支付分紅的。以下是這幾隻股票中最好的三隻的詳細介紹。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzM4NzAvd3JpdGluZy1hLWNoZWNrLTIuanBnJnc9NzAw?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-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzM4NzAvd3JpdGluZy1hLWNoZWNrLTIuanBnJnc9NzAw"/></p>
<p>圖片來源：Getty Images。</p>
<h2>1. Realty Income</h2>
<p><strong>Realty Income</strong>（O 0.17%）是從頭開始建立的分紅支付公司。</p>
<p>它不是一家典型的生產有收入產品或提供有收入服務的公司。相反，Realty Income 是一家房地產投資信託基金，簡稱 REIT。這意味着它擁有一系列產生租金的房地產，並將大部分每月租金利潤分配給股東。</p>
<p>REIT 的種類繁多，從公寓大樓到辦公樓再到酒店。即便在 REIT 標準中，這家公司也有些獨特。Realty Income 專門將物業租給零售商。7-Eleven、<strong>Dollar General</strong>、<strong>Dollar Tree</strong> 和 <strong>Tractor Supply</strong> 是其主要租户，儘管沒有單一租户佔其收入的超過 4%，而且沒有任何零售業務的部分佔其業務的超過十分之一。</p>
<p>不過，整個零售行業不是都處於困境中嗎？根據 Coresight Research，2024 年美國關閉了超過 7300 家門店。</p>
<p>這個統計數據是正確的，但並沒有講述整個故事。去年，美國還開設了超過 5900 家新店。所謂的零售末日更像是行業的精煉，留下了最強的品牌——這些品牌顯然是 Realty Income 所服務的。截至第二季度末，該 REIT 的入住率達到了行業領先的 98.6%，即使在疫情影響的 2020 年，其平均入住率也保持在健康的 97.9%。</p>
<p>而且，其業務的強勁在股票的分紅歷史中顯而易見。自 1969 年公司成立以來，Realty Income 不僅按時支付每月分紅，而且在過去 30 年中每年都提高了年化分紅。</p>
<p>新投資者在前瞻性分紅收益率為 5.3% 時將會加入。</p>
<h2>2. EPR Properties</h2>
<p>與 Realty Income 類似，<strong>EPR Properties</strong>（EPR -0.28%）也是一家按月支付分紅的 REIT。實際上，這兩家機構的定位非常相似。它們的不同之處足以讓投資者同時持有這兩隻股票。EPR Properties 專注於體驗式娛樂。水上樂園、電影院、滑雪勝地、賭場、博物館，甚至學校都在其物業內運營。</p>
<p>它的週期敏感性確實比 Realty Income 更強。但並沒有你想象的那麼嚴重。截至第二季度，99% 的物業已被出租，當前租賃協議的平均剩餘期限為 12 年，其中大多數要求租户承擔高度可變的費用，如税費、保險和維護。這是 EPR 的分紅支付在（除了 COVID-19 疫情和 2007 年次貸危機等異常困難的情況下）保持相當健康的增長軌跡的一個重要原因。前瞻性收益率為 6.1% 當然進一步增強了看漲的理由。</p>
<p>你只需確保它不是你唯一擁有的分紅支付股票，特別是如果你依賴分紅收入來幫助支付大部分每月賬單。</p>
<h2>3. Global X Nasdaq 100 Covered Call ETF</h2>
<p>最後，將 <strong>Global X Nasdaq 100 Covered Call ETF</strong>（QYLD 0.53%）添加到你的按月支付分紅的股票名單中。</p>
<p>這不是一家傳統公司。實際上，它甚至不是一家傳統基金。相反，這隻 ETF 旨在通過對其組成 <strong>Nasdaq-100</strong> 指數的股票（如 <strong>Nvidia</strong>、<strong>Microsoft</strong> 和 <strong>Apple</strong>）出售覆蓋性看漲期權來實現盈利。</p>
<p>看漲期權（或看漲期權合約）是衍生投資，實際上是對基礎股票或指數在未來某個時間點將被高估的押注。這些衍生品具有明確的市場價值；如果你想進行這樣的押注，你需要支付購買特定看漲期權的費用。如果你判斷正確，你可以以低於市場價格購買該股票，或者你可以簡單地將你的看漲合約出售以獲利。</p>
<p>不過，你不必僅僅是購買然後出售看漲期權。你可以先出售它們，然後在稍後以希望的較低價格回購它們。或者，如果你恰好擁有相關股票的股份，你可以將你的股份交給你出售看漲期權的對方。或者，在最佳情況下，你出售的看漲期權以現金形式到期而未被使用，從而消除你因出售 “由你持有的股票覆蓋” 的看漲期權而產生的責任。</p>
<p>這就是 Global X 基金公司在 Global X Nasdaq 100 Covered Call ETF 上反覆進行的操作。它通過出售看漲期權獲得現金，實際上是將基金的個別股票作為抵押。一旦這些看漲合約到期，基金就會再次進行這樣的操作，一次又一次。</p>
<p>而且，這種策略作為收入引擎的效果相當不錯。過去 12 個月的平均分配收益率高達 13.6%。</p>
<p>只需確保你瞭解這種投資的內容——其每月支付可能相當不穩定。</p>
<p><img src="https://imageproxy.pbkrs.com/https://media.ycharts.com/charts/f2821bdc2aeb5612e6080f8c50136f56.png?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://media.ycharts.com/charts/f2821bdc2aeb5612e6080f8c50136f56.png"/></p>
<p>QYLD 分紅數據來自 YCharts</p>
<p>儘管覆蓋性看漲期權策略在橫盤或熊市中往往優於市場，但在牛市中，積極應用的覆蓋性看漲期權策略往往表現不佳，因為對股票持倉出售看漲期權通常意味着在股票上漲時放棄這些頭寸。在這種情況下，你的表現將落後於納斯達克 100 指數，而納斯達克 100 指數很可能會引領市場的整體上漲。當然，你總是可以購買更多被迫放棄的這些股票。然而，如果你在牛市中這樣做，你將為它們支付高昂的價格。</p>
<p>不過，考慮到其兩位數的收益率，只要這不是你唯一的月收入持倉，這隻 ETF 可能是值得的。</p>

O.PR

EPR房地產

<p>本文討論了三隻提供每月分紅的股票，適合需要定期收入的投資者。重點介紹的股票包括：Realty Income，一家專注於零售物業的房地產投資信託，收益率為 5.3%；EPR Properties，投資於體驗式娛樂，收益率為 6.1%；以及 Global X Nasdaq 100 Covered Call ETF，通過期權交易產生收入。這些期權提供了可靠的收入來源，特別適合面臨生活成本上升的投資者</p>

<p>High-quality dividend stocks are obviously a great option for investors looking for reliable income. And, they're a particularly smart choice for anyone who needs dividend income to cover some or all of the ever-rising costs of living.</p>
<div class="lb-trans"><p>高質量的分紅股票顯然是尋求可靠收入的投資者的絕佳選擇。而且，對於那些需要分紅收入來覆蓋不斷上漲的生活成本的人來説，它們尤其是一個明智的選擇。</p>
</div><p>The quarterly payment cadence of most dividend stocks, however, isn't always convenient for people who rely on dividend income to pay their monthly bills.</p>
<div class="lb-trans"><p>然而，大多數分紅股票的季度支付頻率對於依賴分紅收入來支付每月賬單的人來説並不總是方便。</p>
</div><p>There is an answer, though. While not exactly common, there are several dividend stocks that dish out their payments on a monthly rather than a quarterly basis. Here's a closer look at three of the best of these names.</p>
<div class="lb-trans"><p>不過，有解決方案。雖然並不常見，但有幾隻分紅股票是按月而不是按季度支付分紅的。以下是這幾隻股票中最好的三隻的詳細介紹。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzM4NzAvd3JpdGluZy1hLWNoZWNrLTIuanBnJnc9NzAw" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F833870%2Fwriting-a-check-2.jpg&amp;op=resize&amp;w=700"/></p>
<p>Image source: Getty Images.</p>
<div class="lb-trans"><p>圖片來源：Getty Images。</p>
</div><h2>1. Realty Income</h2>
<div class="lb-trans"><h2>1. Realty Income</h2>
</div><p><strong>Realty Income</strong>(O 0.17%) is built from the ground up to pay dividends.</p>
<div class="lb-trans"><p><strong>Realty Income</strong>（O 0.17%）是從頭開始建立的分紅支付公司。</p>
</div><p>It's not a typical company that makes a revenue-bearing product or provides a revenue-bearing service. Rather, Realty Income is a real estate investment trust, or REIT, for short. That just means it owns a portfolio of rent-bearing real estate and passes along the majority of its monthly rent-based profits to shareholders.</p>
<div class="lb-trans"><p>它不是一家典型的生產有收入產品或提供有收入服務的公司。相反，Realty Income 是一家房地產投資信託基金，簡稱 REIT。這意味着它擁有一系列產生租金的房地產，並將大部分每月租金利潤分配給股東。</p>
</div><p>There are all sorts of REITs, ranging from apartment complexes to office buildings to hotels. Even by REIT standards, though, this one's a bit unique. See, Realty Income exclusively rents properties to retailers. 7-Eleven, <strong>Dollar General</strong>, <strong>Dollar Tree</strong>, and <strong>Tractor Supply</strong> are among its top tenants, although no single renter accounts for more than 4% of its revenue, and no sliver of the retail business makes up more than one-tenth of its business.</p>
<div class="lb-trans"><p>REIT 的種類繁多，從公寓大樓到辦公樓再到酒店。即便在 REIT 標準中，這家公司也有些獨特。Realty Income 專門將物業租給零售商。7-Eleven、<strong>Dollar General</strong>、<strong>Dollar Tree</strong> 和 <strong>Tractor Supply</strong> 是其主要租户，儘管沒有單一租户佔其收入的超過 4%，而且沒有任何零售業務的部分佔其業務的超過十分之一。</p>
</div><p>Still, isn't the entire retail industry on the ropes, with (according to Coresight Research) more than 7,300 U.S. storefronts shuttering in 2024?</p>
<div class="lb-trans"><p>不過，整個零售行業不是都處於困境中嗎？根據 Coresight Research，2024 年美國關閉了超過 7300 家門店。</p>
</div><p>The statistic is true, but it doesn't tell the whole story. There were also more than 5,900 stores opened in the United States last year. The so-called retail apocalypse is more of a refining of the industry, leaving behind its strongest names -- names that Realty Income clearly serves. As of the end of the second quarter, this REIT's occupancy rate stood at an industry-beating 98.6%, and even during pandemic-crimped 2020, its average occupancy was a healthy 97.9%.</p>
<div class="lb-trans"><p>這個統計數據是正確的，但並沒有講述整個故事。去年，美國還開設了超過 5900 家新店。所謂的零售末日更像是行業的精煉，留下了最強的品牌——這些品牌顯然是 Realty Income 所服務的。截至第二季度末，該 REIT 的入住率達到了行業領先的 98.6%，即使在疫情影響的 2020 年，其平均入住率也保持在健康的 97.9%。</p>
</div><p>And the strength of its business is evident in the stock's dividend history. Not only has Realty Income paid its monthly dividend like clockwork since the company was launched in 1969, but it has also raised its annualized payout every year for the past 30 years.</p>
<div class="lb-trans"><p>而且，其業務的強勁在股票的分紅歷史中顯而易見。自 1969 年公司成立以來，Realty Income 不僅按時支付每月分紅，而且在過去 30 年中每年都提高了年化分紅。</p>
</div><p>Newcomers will be plugging in while the forward-looking dividend yield stands at 5.3%.</p>
<div class="lb-trans"><p>新投資者在前瞻性分紅收益率為 5.3% 時將會加入。</p>
</div><h2>2. EPR Properties</h2>
<div class="lb-trans"><h2>2. EPR Properties</h2>
</div><p>Like Realty Income, <strong>EPR Properties</strong>(EPR -0.28%) is a monthly dividend-paying REIT. The two organizations are similarly aligned, in fact. They're just different enough to justify holding both at the same time. See, EPR Properties' focus is on experiential entertainment. Water parks, movie theaters, ski resorts, casinos, museums, and even schools are all operating within and on its properties.</p>
<div class="lb-trans"><p>與 Realty Income 類似，<strong>EPR Properties</strong>（EPR -0.28%）也是一家按月支付分紅的 REIT。實際上，這兩家機構的定位非常相似。它們的不同之處足以讓投資者同時持有這兩隻股票。EPR Properties 專注於體驗式娛樂。水上樂園、電影院、滑雪勝地、賭場、博物館，甚至學校都在其物業內運營。</p>
</div><p>It <em>is</em> more cyclically sensitive than Realty Income. But, not nearly as much as you might expect. As of Q2, 99% of its properties were occupied, with an average of 12 years remaining on its current lease agreements, most of which call for its tenants to cover the highly variable costs like taxes, insurance, and maintenance. That's a big reason why (outside of unusually difficult circumstances like the COVID-19 pandemic and the economic fallout from 2007's subprime mortgage meltdown) EPR's dividend payments boast a pretty healthy growth track record. The sizable forward-looking yield of 6.1% only bolsters the bullish case, of course.</p>
<div class="lb-trans"><p>它的週期敏感性確實比 Realty Income 更強。但並沒有你想象的那麼嚴重。截至第二季度，99% 的物業已被出租，當前租賃協議的平均剩餘期限為 12 年，其中大多數要求租户承擔高度可變的費用，如税費、保險和維護。這是 EPR 的分紅支付在（除了 COVID-19 疫情和 2007 年次貸危機等異常困難的情況下）保持相當健康的增長軌跡的一個重要原因。前瞻性收益率為 6.1% 當然進一步增強了看漲的理由。</p>
</div><p>You just want to be sure it's not the only dividend payer you own, particularly if you're counting on dividend income to help cover most of your monthly bills.</p>
<div class="lb-trans"><p>你只需確保它不是你唯一擁有的分紅支付股票，特別是如果你依賴分紅收入來幫助支付大部分每月賬單。</p>
</div><h2>3. Global X Nasdaq 100 Covered Call ETF</h2>
<div class="lb-trans"><h2>3. Global X Nasdaq 100 Covered Call ETF</h2>
</div><p>Finally, add the <strong>Global X Nasdaq 100 Covered Call ETF</strong>(QYLD 0.53%) to your list of monthly dividend-paying names to consider.</p>
<div class="lb-trans"><p>最後，將 <strong>Global X Nasdaq 100 Covered Call ETF</strong>（QYLD 0.53%）添加到你的按月支付分紅的股票名單中。</p>
</div><p>It's not a conventional company. It's not even a conventional fund, for that matter. Rather, this ETF is designed to monetize its portfolio of stocks that make up the <strong>Nasdaq-100</strong> index -- like <strong>Nvidia</strong>, <strong>Microsoft</strong>, and <strong>Apple</strong> -- by selling covered calls against those positions.</p>
<div class="lb-trans"><p>這不是一家傳統公司。實際上，它甚至不是一家傳統基金。相反，這隻 ETF 旨在通過對其組成 <strong>Nasdaq-100</strong> 指數的股票（如 <strong>Nvidia</strong>、<strong>Microsoft</strong> 和 <strong>Apple</strong>）出售覆蓋性看漲期權來實現盈利。</p>
</div><p>Calls (or call option contracts) are derivative investments that effectively act as a bet that the underlying stock or index is going to be valued higher at some point in the future. And these derivatives have a defined, market-based value; if you want to make such a bet, you'll need to pay to purchase a particular call option. If you're right, you can then buy that stock in question at a below-market price, or you can simply sell your call contract for a profit.</p>
<div class="lb-trans"><p>看漲期權（或看漲期權合約）是衍生投資，實際上是對基礎股票或指數在未來某個時間點將被高估的押注。這些衍生品具有明確的市場價值；如果你想進行這樣的押注，你需要支付購買特定看漲期權的費用。如果你判斷正確，你可以以低於市場價格購買該股票，或者你可以簡單地將你的看漲合約出售以獲利。</p>
</div><p>You don't have to <em>just</em> buy and then sell call options, though. You can first sell them, and then buy them back at a later date at what's hopefully a lower price. Or, if you happen to own shares of the stock in question, you can hand your shares over to the party you sold the call option to. Or, in the best-case scenario, the call options you've sold for cash end up expiring without being used, erasing your liability resulting from selling the call option that's &#34;covered&#34; by your shares of the stock in question.</p>
<div class="lb-trans"><p>不過，你不必僅僅是購買然後出售看漲期權。你可以先出售它們，然後在稍後以希望的較低價格回購它們。或者，如果你恰好擁有相關股票的股份，你可以將你的股份交給你出售看漲期權的對方。或者，在最佳情況下，你出售的看漲期權以現金形式到期而未被使用，從而消除你因出售 “由你持有的股票覆蓋” 的看漲期權而產生的責任。</p>
</div><p>That's what the Global X fund company does over and over again with the Global X Nasdaq 100 Covered Call ETF. It's selling calls for cash, effectively using the fund's individual stocks as collateral. Once those call contracts expire, the fund does it again, and again, and again.</p>
<div class="lb-trans"><p>這就是 Global X 基金公司在 Global X Nasdaq 100 Covered Call ETF 上反覆進行的操作。它通過出售看漲期權獲得現金，實際上是將基金的個別股票作為抵押。一旦這些看漲合約到期，基金就會再次進行這樣的操作，一次又一次。</p>
</div><p>And the strategy works pretty well as an income engine. Its average distribution yield for the past 12 months is a hefty 13.6%.</p>
<div class="lb-trans"><p>而且，這種策略作為收入引擎的效果相當不錯。過去 12 個月的平均分配收益率高達 13.6%。</p>
</div><p>Just make sure you understand what you're getting with such an investment -- its monthly payouts can be rather inconsistent.</p>
<div class="lb-trans"><p>只需確保你瞭解這種投資的內容——其每月支付可能相當不穩定。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://media.ycharts.com/charts/f2821bdc2aeb5612e6080f8c50136f56.png" alt="" original-src="https://media.ycharts.com/charts/f2821bdc2aeb5612e6080f8c50136f56.png"/></p>
<p>QYLD Dividend data by YCharts</p>
<div class="lb-trans"><p>QYLD 分紅數據來自 YCharts</p>
</div><p>And, although a covered call strategy tends to beat the market in sideways or bear markets, an actively applied covered call strategy also tends to underperform in bull markets, since selling calls against your stock holdings often ends up meaning you're handing over these positions while they're rising. In this instance, you'd be trailing the Nasdaq-100 index, which is likely to lead any marketwide bullishness. Sure, you can always buy more of these stocks you've been forced to fork over. If you're doing so in a bull market, however, you're paying a high price for them.</p>
<div class="lb-trans"><p>儘管覆蓋性看漲期權策略在橫盤或熊市中往往優於市場，但在牛市中，積極應用的覆蓋性看漲期權策略往往表現不佳，因為對股票持倉出售看漲期權通常意味着在股票上漲時放棄這些頭寸。在這種情況下，你的表現將落後於納斯達克 100 指數，而納斯達克 100 指數很可能會引領市場的整體上漲。當然，你總是可以購買更多被迫放棄的這些股票。然而，如果你在牛市中這樣做，你將為它們支付高昂的價格。</p>
</div><p>With its double-digit yield, though, this ETF may well be worth it as long as it's not your only monthly income holding.</p>
<div class="lb-trans"><p>不過，考慮到其兩位數的收益率，只要這不是你唯一的月收入持倉，這隻 ETF 可能是值得的。</p>
</div>

每月向你支付股息的三隻股票