頂級高收益創收 ETF 可增加您的每月現金流

這些創收 ETF 具有低波動性和高現金流。與成長型投資者相比，規避風險的投資者可能更容易被這些 ETF 所吸引。提早退休是可能的，而且可能比您想像的要容易。

Many retirees follow a 4% withdrawal rule. They withdraw 4% of their portfolio each year to cover expenses and hope that the portfolio appreciates by more than 4% in the same year.

許多退休人員遵循 4% 的提款規則。他們每年提取投資組合的 4% 來支付費用，並希望投資組合在同一年升值超過 4%。

But there's an alternative for investors who don't want to withdraw from their portfolios. Income-generating ETFs come with high yields, some of them above 4.00%. Some investors can live off their dividends instead of selling shares in their portfolios. However, high yields come with lower potential returns, so they're more suitable for retirees.

但對於不想退出投資組合的投資人來說，還有另一個選擇。創收 ETF 的收益率較高，部分收益率高於 4.00%。有些投資者可以靠股息生活，而不是出售投資組合中的股票。然而，高收益率伴隨著較低的潛在回報，因此它們更適合退休人員。

Here are some of the top high-yield income-generating ETFs to consider if you want to boost your monthly cash flow.

如果您想增加每月現金流，可以考慮以下一些頂級高收益創收 ETF。

Key Points

重點

These income-generating ETFs offer low volatility and high cash flow.

這些創收 ETF 具有低波動性和高現金流。

Risk-averse investors may be drawn to these ETFs more than growth investors.

與成長型投資者相比，規避風險的投資者可能更容易被這些 ETF 所吸引。

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提早退休是可能的，而且可能比您想像的要容易。現在點擊此處查看您是領先還是落後。 （贊助）

Schwab U.S. Dividend Equity ETF (NYSEARCA:SCHD)

嘉信理財美國股利股票 ETF (NYSEARCA:SCHD)

The Schwab U.S. Dividend Equity ETF (NYSEARCA:SCHD) has a 0.06% expense ratio and a 3.64% yield over the past 12 months. The fund focuses on dividend stocks that offer quality payouts and have sustainable dividend distributions.

過去 12 個月，嘉信理財美國股息股票 ETF (NYSEARCA:SCHD) 的費用比率為 0.06%，殖利率為 3.64%。該基金專注於提供優質派息並具有可持續股息分配的股息股票。

The fund allocates its $66.0 billion in total assets across 103 stocks. Pfizer (NYSE:PFE), AbbVie (NYSE:ABBV), and Cisco (NASDAQ:CSCO) are the top three holdings in the fund. SCHD has delivered an annualized 11.0% return over the past five years.

該基金將 660 億美元的總資產配置在 103 隻股票上。輝瑞（NYSE：PFE）、艾伯維（NYSE：ABBV）和思科（納斯達克股票代碼：CSCO）是該基金的前三大持股。 SCHD 在過去五年中實現了 11.0% 的年化回報率。

SPDR Portfolio S&P 500 High Dividend ETF (NYSEARCA:SPYD)

SPDR 投資組合 S&P 500 高股息 ETF (NYSEARCA:SPYD)

The SPDR Portfolio S&P 500 High Dividend ETF (NYSEARCA:SPYD) gives investors exposure to the top 80 high dividend-yielding companies within the S&P 500 index. The fund has a 0.07% expense ratio and a trailing 12-month yield of 4.31%.

SPDR Portfolio S&P 500 High Dividend ETF (NYSEARCA:SPYD) 讓投資者能夠投資於 S&P 500 指數中排名前 80 名的高股息收益率公司。該基金的費用率為 0.07%，過去 12 個月的收益率為 4.31%。

That's a high enough yield to replicate the 4% rule without having to sell a single share. Its top three holdings are Kellog (NYSE:K), Entergy (NYSE:ETR), and Kinder Morgan (NYSE:KMI). The ETF has an annualized 6.8% return over the past five years.

這個收益率足夠高，足以複製 4% 的規則，而無需出售一股。其三大持股為 Kellogg (NYSE:K)、Entergy (NYSE:ETR) 和 Kinder Morgan (NYSE:KMI)。該ETF過去五年的年化報酬率為6.8%。

JPMorgan Equity Premium Income ETF (NYSEARCA:JEPI)

摩根大通股票溢價收入 ETF（NYSEARCA：JEPI）

The JPMorgan Equity Premium Income ETF (NYSEARCA:JEPI) is one of the most well-known income-generating ETFs due to its 7.33% yield over the past 12 months. The fund has a 0.35% expense ratio and $37.3 billion in total assets.

摩根大通股票溢價收入 ETF（NYSEARCA：JEPI）是最著名的創收 ETF 之一，過去 12 個月的收益率為 7.33%。該基金的費用率為 0.35%，總資產為 373 億美元。

JEPI's goal is to deliver monthly income distributions with less volatility. The fund incorporates defensive assets and writes out-of-the-money S&P 500 index call options to generate monthly income. The fund's top three positions are Meta Platforms (NASDAQ:META), Amazon (NASDAQ:AMZN), and Nvidia (NASDAQ:NVDA). The fund has an annualized 6.6% return over the past three years.

JEPI 的目標是提供波動性較小的月度收入分配。該基金包含防禦性資產，並出售價外標準普爾 500 指數買權以產生每月收入。該基金的前三名部位是Meta Platforms（納斯達克股票代碼：META）、亞馬遜（納斯達克股票代碼：AMZN）和Nvidia（納斯達克股票代碼：NVDA）。該基金過去三年的年化報酬率為6.6%。

Global X SuperDividend U.S. ETF (NYSEARCA:DIV)

Global X SuperDividend 美國 ETF (NYSEARCA:DIV)

The Global X SuperDividend U.S. ETF (NYSEARCA:DIV) offers monthly distributions with a trailing 12-month yield of 5.88%. The fund has a 0.45% expense ratio. It also has $633.7 million in total assets spread across 49 holdings.

Global X SuperDividend US ETF (NYSEARCA:DIV) 提供每月派息，過去 12 個月的收益率為 5.88%。該基金的費用率為0.45%。它還擁有 6.337 億美元的總資產，分佈在 49 個控股公司中。

DIV is known for its low volatility, but its returns aren't spectacular. The ETF has an annualized 2.1% return over the past decade. The dividend helps, but this fund is strictly for retirees. Its top three holdings are Virtu Financial (NASDAQ:VIRT), Kinder Morgan (NYSE:KMI), and Spire (NYSE:SR).

DIV以其低波動性而聞名，但其回報並不引人注目。該ETF過去十年的年化報酬率為2.1%。股息有所幫助，但該基金僅限於退休人員。其三大持股為 Virtu Financial (NASDAQ:VIRT)、Kinder Morgan (NYSE:KMI) 和 Spire (NYSE:SR)。

iShares BB Rated Corporate Bond ETF (NYSEARCA:HYBB)

iShares BB 級公司債 ETF (NYSEARCA:HYBB)

The iShares BB Rated Corporate Bond ETF (NYSEARCA:HYBB) has a 0.25% expense ratio and a trailing 12-month yield of 6.23%. BB-rated corporate bonds are more risky than AAA bonds, but they come with higher yields. Most bonds get paid without any issue, resulting in steady cash flow.

iShares BB 級企業債券 ETF (NYSEARCA:HYBB) 的費用比率為 0.25%，過去 12 個月的殖利率為 6.23%。 BB級公司債比AAA級債券風險更大，但收益率更高。大多數債券都可以無償支付，產生穩定的現金流。

Most of the fund's bonds mature within the next 1-5 years. It's well-diversified with 963 bond holdings. HYBB has generated an annualized 2.4% return over the past three years.

該基金的大部分債券將在未來1-5年內到期。它持有 963 種債券，多元化程度很高。過去三年，HYBB 的年化報酬率為 2.4%。

How to Incorporate ETFs into Your Retirement Plan

如何將 ETF 納入您的退休計劃

Income-generating ETFs can

創收 ETF 可以