<p>尋求穩定收入和較低市場風險的退休人員通常偏好那些定期支付股息、保持低成本並在多個持股中分散風險的投資。交易所交易基金可以做到這三點。以下是三隻結合適度波動性與可靠收益的 ETF；基金描述、分配時間表和費用數據截至 2025 年 9 月 20 日均為準確。</p>
<ul>
<li>這些 ETF 因其多樣化、低波動性、成本結構或股息分配時間表而吸引退休人員。</li>
<li>您在退休方面是領先還是落後？SmartAsset 的免費工具可以在幾分鐘內將您與財務顧問匹配，幫助您今天回答這個問題。每位顧問都經過仔細審查，必須以您的最佳利益為重。不要再浪費時間；在這裏瞭解更多。(贊助商)</li>
</ul>
<h2><strong>富蘭克林美國低波動高股息 ETF (LVHD)</strong></h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2022/02/imageForEntry10-70K.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/2022/02/imageForEntry10-70K.jpg"/></p>
<p>LVHD 投資於公用事業等多個行業。</p>
<p>LVHD 的目標是提供相對高股息且價格波動較小的美國股票。該基金傾向於防禦性行業，如消費品、房地產和公用事業，並使用風險控制來限制集中度。目前，其 30 天的收益率在 3% 低至中間範圍（約 3.3%）。LVHD 按季度支付分配，費用比率約為 0.27%。</p>
<h2><strong>景順標普 500 高股息低波動 ETF (SPHD)</strong></h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2022/05/imageForEntry47-8p5.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/2022/05/imageForEntry47-8p5.jpg"/></p>
<p>SPHD 投資于波動性最低的標普 500 股票。</p>
<p>SPHD 從高收益的標普 500 股票開始，然後選擇歷史波動性最低的子集來形成其投資組合。這個過程產生了更高的股息收入和更平穩的短期表現，且該基金傾向於強調防禦性行業。目前，SPHD 的收益率在中間 3% 到約 4% 的區間（大約 3.7%）。分配按月進行，費用比率為 0.30%。</p>
<h2><strong>先鋒高股息收益 ETF (VYM)</strong></h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/08/Healthcare-Money-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/2025/08/Healthcare-Money-scaled.jpg"/></p>
<p>醫療保健是 VYM 投資的行業之一，作為一隻多樣化的基金。</p>
<p>VYM 通過跟蹤 FTSE 高股息收益指數，廣泛接觸具有強大股息歷史的大型美國公司。該基金在金融、醫療保健和消費品行業提供廣泛的多樣化，並保持非常低的成本。目前，VYM 的收益率低於一些過去的時期，約為 2.5%（30 天 SEC 收益率約為 2.48%）。VYM 按季度支付分配，費用比率為 0.06%。</p>
<h2><strong>結論</strong></h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2021/02/imageForEntry12-eKx.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/2021/02/imageForEntry12-eKx.jpg"/></p>
<p>平衡收入和資本保值對退休人員至關重要。LVHD、SPHD 和 VYM 各自提供不同的收益、波動控制和成本結構組合：LVHD 強調低波動性和季度收入，SPHD 提供更高頻率的月度分配並採用低波動性篩選，而 VYM 則提供廣泛的低成本股息曝光。投資者在做出決策之前應確認發行人的當前收益和分配數據，並考慮每隻基金如何滿足他們的收入需求、税務情況和時間範圍。</p>
<p>這篇文章《3 只低風險高收益的退休 ETF》最初出現在 24/7 Wall St.上。</p>

<p>本文討論了三種適合尋求穩定收入和較低市場風險的退休人員的低風險高收益 ETF。這些 ETF 包括：1）富蘭克林美國低波動高股息 ETF（LVHD），收益率約為 3.3%，費用比率為 0.27%；2）景順標普 500 高股息低波動 ETF（SPHD），收益率約為 3.7%，費用比率為 0.30%；3）先鋒高股息收益 ETF（VYM），收益率約為 2.5%，費用比率低至 0.06%。每隻基金在收益、波動控制和成本結構方面提供了獨特的平衡，滿足退休人員不同的收入需求</p>

<p>Retirees seeking steady income and lower market risk often favor investments that pay regular dividends, keep costs low, and spread risk across many holdings. Exchange-traded funds can do all three. Below are three ETFs that combine modest volatility with dependable yields; the fund descriptions, distribution schedules, and fee figures are accurate as of September 20, 2025.</p>
<div class="lb-trans"><p>尋求穩定收入和較低市場風險的退休人員通常偏好那些定期支付股息、保持低成本並在多個持股中分散風險的投資。交易所交易基金可以做到這三點。以下是三隻結合適度波動性與可靠收益的 ETF；基金描述、分配時間表和費用數據截至 2025 年 9 月 20 日均為準確。</p>
</div><ul>
<li>These ETFs are attractive to retirees due to their diversification, low volatility, cost structure, or dividend distribution schedules.</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>這些 ETF 因其多樣化、低波動性、成本結構或股息分配時間表而吸引退休人員。</li>
<li>您在退休方面是領先還是落後？SmartAsset 的免費工具可以在幾分鐘內將您與財務顧問匹配，幫助您今天回答這個問題。每位顧問都經過仔細審查，必須以您的最佳利益為重。不要再浪費時間；在這裏瞭解更多。(贊助商)</li>
</ul>
</div><h2><strong>Franklin U.S. Low Volatility High Dividend ETF (LVHD)</strong></h2>
<div class="lb-trans"><h2><strong>富蘭克林美國低波動高股息 ETF (LVHD)</strong></h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2022/02/imageForEntry10-70K.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2022/02/imageForEntry10-70K.jpg"/></p>
<p>LVHD invests in utilities, among other sectors.</p>
<div class="lb-trans"><p>LVHD 投資於公用事業等多個行業。</p>
</div><p>LVHD targets U.S. stocks that offer relatively high dividends while exhibiting lower price swings. The fund tilts toward defensive sectors such as consumer staples, real estate, and utilities and uses risk controls to limit concentration. Its trailing/30-day yield currently sits in the low-to-mid 3 percent range (about 3.3 percent). LVHD pays distributions quarterly and carries an expense ratio of roughly 0.27 percent.</p>
<div class="lb-trans"><p>LVHD 的目標是提供相對高股息且價格波動較小的美國股票。該基金傾向於防禦性行業，如消費品、房地產和公用事業，並使用風險控制來限制集中度。目前，其 30 天的收益率在 3% 低至中間範圍（約 3.3%）。LVHD 按季度支付分配，費用比率約為 0.27%。</p>
</div><h2><strong>Invesco S&amp;P 500 High Dividend Low Volatility ETF (SPHD)</strong></h2>
<div class="lb-trans"><h2><strong>景順標普 500 高股息低波動 ETF (SPHD)</strong></h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2022/05/imageForEntry47-8p5.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2022/05/imageForEntry47-8p5.jpg"/></p>
<p>SPHD invests in the least volatile S&amp;P 500 stocks.</p>
<div class="lb-trans"><p>SPHD 投資于波動性最低的標普 500 股票。</p>
</div><p>SPHD begins with high-yield S&amp;P 500 names, then selects the subset with the lowest historical volatility to form its portfolio. That process produces a mix of higher dividend income and smoother short-term performance, and the fund tends to emphasize defensive sectors. At present, SPHD’s trailing yield falls in the mid-3 percent to about 4 percent band (roughly 3.7 percent). Distributions are made monthly. The expense ratio is 0.30 percent.</p>
<div class="lb-trans"><p>SPHD 從高收益的標普 500 股票開始，然後選擇歷史波動性最低的子集來形成其投資組合。這個過程產生了更高的股息收入和更平穩的短期表現，且該基金傾向於強調防禦性行業。目前，SPHD 的收益率在中間 3% 到約 4% 的區間（大約 3.7%）。分配按月進行，費用比率為 0.30%。</p>
</div><h2><strong>Vanguard High Dividend Yield ETF (VYM)</strong></h2>
<div class="lb-trans"><h2><strong>先鋒高股息收益 ETF (VYM)</strong></h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/08/Healthcare-Money-scaled.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2025/08/Healthcare-Money-scaled.jpg"/></p>
<p>Healthcare is one of the sectors VYM invests in, as a diversified fund.</p>
<div class="lb-trans"><p>醫療保健是 VYM 投資的行業之一，作為一隻多樣化的基金。</p>
</div><p>VYM gives broad exposure to large-cap U.S. companies with robust dividend histories by tracking the FTSE High Dividend Yield Index. The fund offers wide diversification across financials, healthcare, and consumer sectors and keeps costs very low. At the moment, VYM’s yield is lower than in some past periods, at roughly 2.5 percent (30-day SEC yield about 2.48 percent). VYM pays quarterly distributions and has an expense ratio of 0.06 percent.</p>
<div class="lb-trans"><p>VYM 通過跟蹤 FTSE 高股息收益指數，廣泛接觸具有強大股息歷史的大型美國公司。該基金在金融、醫療保健和消費品行業提供廣泛的多樣化，並保持非常低的成本。目前，VYM 的收益率低於一些過去的時期，約為 2.5%（30 天 SEC 收益率約為 2.48%）。VYM 按季度支付分配，費用比率為 0.06%。</p>
</div><h2><strong>Conclusion</strong></h2>
<div class="lb-trans"><h2><strong>結論</strong></h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2021/02/imageForEntry12-eKx.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2021/02/imageForEntry12-eKx.jpg"/></p>
<p>Balancing income and capital preservation is central for retirees. LVHD, SPHD, and VYM each deliver a different mix of yield, volatility control, and cost structure: LVHD emphasizes low volatility and quarterly income, SPHD offers higher-frequency monthly distributions with a low-volatility screen, and VYM provides broad, low-cost dividend exposure. Investors should confirm the issuer’s current yield and distribution data before making decisions and consider how each fund fits their income needs, tax situation, and time horizon.</p>
<div class="lb-trans"><p>平衡收入和資本保值對退休人員至關重要。LVHD、SPHD 和 VYM 各自提供不同的收益、波動控制和成本結構組合：LVHD 強調低波動性和季度收入，SPHD 提供更高頻率的月度分配並採用低波動性篩選，而 VYM 則提供廣泛的低成本股息曝光。投資者在做出決策之前應確認發行人的當前收益和分配數據，並考慮每隻基金如何滿足他們的收入需求、税務情況和時間範圍。</p>
</div><p>The post 3 Low Risk, High Yield ETFs for Retirees appeared first on 24/7 Wall St..</p>
<div class="lb-trans"><p>這篇文章《3 只低風險高收益的退休 ETF》最初出現在 24/7 Wall St.上。</p>
</div>

適合退休人員的三隻低風險、高收益 ETF