<ul>
<li>這些 ETF 將保護您的股息收入。</li>
<li>它們的收益率非常有吸引力，費用也不高。</li>
<li>其中一些在利率下降時也具有顯著的上漲潛力。</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篩選，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>
<p>當您退休時，投資策略需要進行重大調整。您的目標從資本積累轉向資本保值，這意味着您不再承擔重大風險。相反，您會盡量保留已有的資產，同時儘可能多地獲取收入。明智的退休投資將為您帶來合理的收益，使您在通貨膨脹面前保持領先。</p>
<p>過去三年，市場帶來了可觀的收益。從歷史上看，這種收益往往是大幅修正的前兆。沒有人能預測何時會發生這種情況，但如果您已經退休，最好還是採取保守的態度。最好的方法是投資於能夠逆勢而動的股息交易所交易基金，無論整體經濟狀況如何，它們都能持續向您支付股息。</p>
<p>以下是五個值得關注的股息 ETF：</p>
<h2>Amplify CWP Enhanced Dividend Income ETF (DIVO)</h2>
<p><strong>Amplify CWP Enhanced Dividend Income ETF (NYSEARCA:DIVO)</strong> 是一隻主動管理的 ETF，採用雙重收入策略。它至少將 80% 的資產投資於股息股票，並使用覆蓋性認購期權策略。</p>
<p>DIVO 從標準普爾 500 指數中選取股票，並對其進行覆蓋性認購期權的操作。這比幾乎完全依賴期權溢價獲取收入的 ETF 要穩定得多。您可以在較低的貝塔值（波動性）下獲得更多的股權上漲機會，貝塔值為 1 意味着資產的波動性與整體市場相同。DIVO 的貝塔值為 0.72。</p>
<p>DIVO 的過去 12 個月的收益率為 4.51%，並按月支付股息。該收益率輕鬆超過了同類大多數 ETF，按月支付對退休人員來説更為方便。</p>
<p>費用比率為 0.56%，即每$10,000 收取$56。</p>
<h2>Franklin International Low Volatility High Dividend Index ETF (LVHI)</h2>
<p><strong>Franklin International Low Volatility High Dividend Index ETF (BATS:LVHI)</strong> 跟蹤 QS 國際低波動高股息對沖指數。它讓您接觸到國際股息支付股票，同時保持低波動性和貨幣風險。</p>
<p>至少 80% 的資產用於該指數。LVHI 還使用貨幣對沖來減輕美元與其他國際貨幣之間匯率波動的影響。這有助於保護投資者在國際市場相對於美元下跌時免受貨幣相關損失。</p>
<p>LVHI 的收益率為 5.09%，費用比率為 0.40%，即每$10,000 收取$40。</p>
<h2>iShares 20+ Year Treasury Bond ETF (TLT)</h2>
<p>並非所有的股息 ETF 都必須從股票市場獲取收入。<strong>iShares 20+ Year Treasury Bond ETF (NASDAQ:TLT)</strong> 是一個優秀的選擇，因為它在保持低風險的同時為您提供了出色的收益。</p>
<p>當您放大 TLT 時，您可能會立即注意到它在過去五年中下降了 46.2%。這主要是由於加息使得投資者不願意將資金停放在 TLT 中。然而，這正是它現在如此吸引人的原因，因為利率再次開始下調。美聯儲上週降低了利率，市場預計降息將持續。</p>
<p>TLT 目前的價格為$88.9，接近其歷史低點約$80。隨着利率的下降，TLT 將會強勁反彈，並可能帶來三位數的回報。</p>
<p>與此同時，您可以收集 4.34% 的股息收益率，按月支付。費用比率也為 0.15%，即每$10,000 收取$15。</p>
<h2>Janus Henderson AAA CLO ETF (JAAA)</h2>
<p><strong>Janus Henderson AAA CLO ETF (NYSEARCA:JAAA)</strong> 投資於 AAA 級擔保貸款義務。該 ETF 在正常市場條件下至少保持 80% 的投資組合為 AAA 級 CLO。</p>
<p>AAA 是可能的最高信用評級，這些 CLO 在穩定性方面非常可靠。即使在經濟衰退期間，它們也不太可能違約，因此您將繼續獲得股息。</p>
<p>JAAA 按月支付，股息收益率為 5.63%。費用比率為 0.20%，即每$10,000 收取$20。</p>
<h2>NEOS Nasdaq-100 High Income ETF (QQQI)</h2>
<p>雖然穩定性和資本保值應是您的主要關注點，但接觸科技股及其上漲潛力也很重要。<strong>NEOS Nasdaq-100 High Income ETF (NASDAQ:QQQI)</strong> 為您提供了這種接觸，並且支付豐厚的收益。</p>
<p>它使用覆蓋性認購期權來產生雙位數的收益。該 ETF 首先購買納斯達克 100 指數的股票，同時對 NDX（納斯達克 100 指數）進行認購期權的寫入，從而為每月分配產生溢價收入。</p>
<p>QQQI 還使用認購價差，使您在市場上漲時能夠更大程度地參與。然而，如果市場大幅下跌，QQQI 將面臨困難，儘管您仍然可能在長期內獲利。</p>
<p>QQQI 的收益率為 13.42%，費用比率為 0.68%，即每$10,000 收取$68。它按月支付。</p>
<p>本文《確保您的退休收入的五大最佳股息 ETF》最初發表於 24/7 Wall St..</p>

<p>本文討論了調整退休投資策略的重要性，重點在於保護資本和產生收入。文章強調了五個推薦的股息 ETF：Amplify CWP Enhanced Dividend Income ETF（DIVO）、Franklin International Low Volatility High Dividend Index ETF（LVHI）、iShares 20+ Year Treasury Bond ETF（TLT）和 Janus Henderson AAA CLO ETF（JAAA）。這些 ETF 提供了有吸引力的收益、低費用以及穩定和增長的潛力，使其適合尋求可靠收入來源的退休人員</p>

<ul>
<li>These ETFs will preserve your dividend income.</li>
<li>Their yields are very attractive and the fees are not too high.</li>
<li>Some of them also have significant upside potential as interest rates come down.</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 將保護您的股息收入。</li>
<li>它們的收益率非常有吸引力，費用也不高。</li>
<li>其中一些在利率下降時也具有顯著的上漲潛力。</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篩選，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><p>When you retire, a significant shift in your investing strategy is necessary. Your aim shifts from capital accumulation to preservation, meaning you no longer take considerable risks. Instead, you try to keep as much as you have while making the most income out of it. Sensible retirement investing will get you fair gains that keep you ahead of inflation.</p>
<div class="lb-trans"><p>當您退休時，投資策略需要進行重大調整。您的目標從資本積累轉向資本保值，這意味着您不再承擔重大風險。相反，您會盡量保留已有的資產，同時儘可能多地獲取收入。明智的退休投資將為您帶來合理的收益，使您在通貨膨脹面前保持領先。</p>
</div><p>The market has delivered terrific gains in the past three years. Historically, such gains are precursors to big corrections. No one can say when that can happen, but it’s better to err on the safe side if you are retired. The best way to do so is by investing in dividend exchange-traded funds that can buck the trend and keep mailing you checks regardless of what the broader economy is doing.</p>
<div class="lb-trans"><p>過去三年，市場帶來了可觀的收益。從歷史上看，這種收益往往是大幅修正的前兆。沒有人能預測何時會發生這種情況，但如果您已經退休，最好還是採取保守的態度。最好的方法是投資於能夠逆勢而動的股息交易所交易基金，無論整體經濟狀況如何，它們都能持續向您支付股息。</p>
</div><p>Here are five dividend ETFs to look into:</p>
<div class="lb-trans"><p>以下是五個值得關注的股息 ETF：</p>
</div><h2>Amplify CWP Enhanced Dividend Income ETF (DIVO)</h2>
<div class="lb-trans"><h2>Amplify CWP Enhanced Dividend Income ETF (DIVO)</h2>
</div><p><strong>Amplify CWP Enhanced Dividend Income ETF (NYSEARCA:DIVO)</strong> is an actively-managed ETF with a dual-income strategy. It invests at least 80% of its assets into dividend stocks and uses a covered call writing strategy.</p>
<div class="lb-trans"><p><strong>Amplify CWP Enhanced Dividend Income ETF (NYSEARCA:DIVO)</strong> 是一隻主動管理的 ETF，採用雙重收入策略。它至少將 80% 的資產投資於股息股票，並使用覆蓋性認購期權策略。</p>
</div><p>DIVO takes stocks from the S&amp;P 500 index and overlays them with covered calls. This is much more stable compared to ETFs that almost exclusively rely on premiums for income. You get more exposure to equity upside with a lower beta (volatility) than the broader market. A beta of 1 means an asset is just as volatile as the broader market. DIVO has a 0.72 beta.</p>
<div class="lb-trans"><p>DIVO 從標準普爾 500 指數中選取股票，並對其進行覆蓋性認購期權的操作。這比幾乎完全依賴期權溢價獲取收入的 ETF 要穩定得多。您可以在較低的貝塔值（波動性）下獲得更多的股權上漲機會，貝塔值為 1 意味着資產的波動性與整體市場相同。DIVO 的貝塔值為 0.72。</p>
</div><p>DIVO comes with a 4.51% trailing 12-month yield and pays dividends monthly. The yield comfortably beats most other ETFs of its class, and monthly payments are more convenient for retirees.</p>
<div class="lb-trans"><p>DIVO 的過去 12 個月的收益率為 4.51%，並按月支付股息。該收益率輕鬆超過了同類大多數 ETF，按月支付對退休人員來説更為方便。</p>
</div><p>The expense ratio is 0.56%, or $56 per $10,000.</p>
<div class="lb-trans"><p>費用比率為 0.56%，即每$10,000 收取$56。</p>
</div><h2>Franklin International Low Volatility High Dividend Index ETF (LVHI)</h2>
<div class="lb-trans"><h2>Franklin International Low Volatility High Dividend Index ETF (LVHI)</h2>
</div><p><strong>Franklin International Low Volatility High Dividend Index ETF (BATS:LVHI)</strong> tracks the QS International Low Volatility High Dividend Hedged Index. It gives you exposure to international dividend-paying stocks while keeping volatility and currency risk low.</p>
<div class="lb-trans"><p><strong>Franklin International Low Volatility High Dividend Index ETF (BATS:LVHI)</strong> 跟蹤 QS 國際低波動高股息對沖指數。它讓您接觸到國際股息支付股票，同時保持低波動性和貨幣風險。</p>
</div><p>At least 80% of its assets go towards that index. LVHI also uses currency hedging to mitigate exposure to exchange-rate fluctuations between the USD and other international currencies. This helps protect investors from currency-related losses when international markets decline relative to the dollar.</p>
<div class="lb-trans"><p>至少 80% 的資產用於該指數。LVHI 還使用貨幣對沖來減輕美元與其他國際貨幣之間匯率波動的影響。這有助於保護投資者在國際市場相對於美元下跌時免受貨幣相關損失。</p>
</div><p>LVHI has a 5.09% yield and an expense ratio of 0.40%, or $40 per $10,000.</p>
<div class="lb-trans"><p>LVHI 的收益率為 5.09%，費用比率為 0.40%，即每$10,000 收取$40。</p>
</div><h2>iShares 20+ Year Treasury Bond ETF (TLT)</h2>
<div class="lb-trans"><h2>iShares 20+ Year Treasury Bond ETF (TLT)</h2>
</div><p>Not all your dividend ETFs have to derive their income from the stock market. The <strong>iShares 20+ Year Treasury Bond ETF (NASDAQ:TLT)</strong> is an excellent choice as it gets you stellar yields while keeping risks low.</p>
<div class="lb-trans"><p>並非所有的股息 ETF 都必須從股票市場獲取收入。<strong>iShares 20+ Year Treasury Bond ETF (NASDAQ:TLT)</strong> 是一個優秀的選擇，因為它在保持低風險的同時為您提供了出色的收益。</p>
</div><p>When you zoom out on TLT, you may immediately notice that it has declined 46.2% over the past five years. That’s mainly due to interest rate hikes making it unappealing for investors to park their money in TLT. However, that’s what makes it so appealing right now, since interest cuts are underway once more. The Federal Reserve cut interest rates last week, and the market expects cuts to continue.</p>
<div class="lb-trans"><p>當您放大 TLT 時，您可能會立即注意到它在過去五年中下降了 46.2%。這主要是由於加息使得投資者不願意將資金停放在 TLT 中。然而，這正是它現在如此吸引人的原因，因為利率再次開始下調。美聯儲上週降低了利率，市場預計降息將持續。</p>
</div><p>TLT is currently at $88.9, which is near its historical lows of around $80. As interest rates go down, TLT will surge back in earnest and can deliver triple-digit returns.</p>
<div class="lb-trans"><p>TLT 目前的價格為$88.9，接近其歷史低點約$80。隨着利率的下降，TLT 將會強勁反彈，並可能帶來三位數的回報。</p>
</div><p>In the meantime, you can collect a 4.34% dividend yield, paid monthly. The expense ratio is also 0.15%, or $15 per $10,000.</p>
<div class="lb-trans"><p>與此同時，您可以收集 4.34% 的股息收益率，按月支付。費用比率也為 0.15%，即每$10,000 收取$15。</p>
</div><h2>Janus Henderson AAA CLO ETF (JAAA)</h2>
<div class="lb-trans"><h2>Janus Henderson AAA CLO ETF (JAAA)</h2>
</div><p><strong>Janus Henderson AAA CLO ETF (NYSEARCA:JAAA)</strong> invests in AAA-rated collateralized loan obligations. The ETF maintains at least 80% of its portfolio in AAA-rated CLOs under normal market conditions.</p>
<div class="lb-trans"><p><strong>Janus Henderson AAA CLO ETF (NYSEARCA:JAAA)</strong> 投資於 AAA 級擔保貸款義務。該 ETF 在正常市場條件下至少保持 80% 的投資組合為 AAA 級 CLO。</p>
</div><p>AAA is the highest possible credit rating, and these CLOs are solid in terms of stability. They are unlikely to default even during a recession, so you’ll keep getting dividends.</p>
<div class="lb-trans"><p>AAA 是可能的最高信用評級，這些 CLO 在穩定性方面非常可靠。即使在經濟衰退期間，它們也不太可能違約，因此您將繼續獲得股息。</p>
</div><p>JAAA pays monthly and has a 5.63% dividend yield. The expense ratio is 0.20%, or $20 per $10,000.</p>
<div class="lb-trans"><p>JAAA 按月支付，股息收益率為 5.63%。費用比率為 0.20%，即每$10,000 收取$20。</p>
</div><h2>NEOS Nasdaq-100 High Income ETF (QQQI)</h2>
<div class="lb-trans"><h2>NEOS Nasdaq-100 High Income ETF (QQQI)</h2>
</div><p>While stability and capital preservation should be your main focus, having exposure to tech stocks and their upside is also important. The <strong>NEOS Nasdaq-100 High Income ETF (NASDAQ:QQQI)</strong> gives you that exposure and pays handsomely.</p>
<div class="lb-trans"><p>雖然穩定性和資本保值應是您的主要關注點，但接觸科技股及其上漲潛力也很重要。<strong>NEOS Nasdaq-100 High Income ETF (NASDAQ:QQQI)</strong> 為您提供了這種接觸，並且支付豐厚的收益。</p>
</div><p>It uses covered call options to generate a double-digit yield. The ETF first buys Nasdaq-100 stocks while simultaneously writing call options against the NDX (Nasdaq-100 Index), which generates premium income for monthly distributions.</p>
<div class="lb-trans"><p>它使用覆蓋性認購期權來產生雙位數的收益。該 ETF 首先購買納斯達克 100 指數的股票，同時對 NDX（納斯達克 100 指數）進行認購期權的寫入，從而為每月分配產生溢價收入。</p>
</div><p>QQQI also uses call spreads that allow for greater participation in upward market movements when they occur. However, if the market does go down sharply, QQQI will have a hard time, though you’re still likely to make money long-term.</p>
<div class="lb-trans"><p>QQQI 還使用認購價差，使您在市場上漲時能夠更大程度地參與。然而，如果市場大幅下跌，QQQI 將面臨困難，儘管您仍然可能在長期內獲利。</p>
</div><p>QQQI yields 13.42% and has an expense ratio of 0.68%, or $68 per $10,000. It pays monthly.</p>
<div class="lb-trans"><p>QQQI 的收益率為 13.42%，費用比率為 0.68%，即每$10,000 收取$68。它按月支付。</p>
</div><p>The post The 5 Best Dividend ETFs to Secure Your Retirement Income appeared first on 24/7 Wall St..</p>
<div class="lb-trans"><p>本文《確保您的退休收入的五大最佳股息 ETF》最初發表於 24/7 Wall St..</p>
</div>

五大最佳股息 ETF，助您保障退休收入