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隨著最年輕的嬰兒潮世代(1946 年至 1964 年出生的美國人)今年年滿 60 歲,關注宏偉的股息理念變得越來越重要
With the youngest baby boomers (Americans conceived between 1946 and 1964) turning 60 this year, it is turning out to be progressively more significant to concentrate on magnificent dividend ideas that will supply noteworthy passive income in or out of assigned retirement accounts like IRAs.
隨著最年輕的嬰兒潮一代(在1946 年至1964 年期間出生的美國人)今年年滿60 歲,事實證明,專注於宏偉的股息理念變得越來越重要,這些理念將在IRA 等指定退休帳戶內外提供可觀的被動收入。
The Federal Reserve brought down the federal funds rate to revive the economy during the Great Recession. From December 2008 to December 2015, the target rate stayed between 0.00% and 0.25%.
在大衰退期間,聯準會降低了聯邦基金利率以重振經濟。 2008年12月至2015年12月,目標利率維持在0.00%至0.25%之間。
While rates trended higher until 2018, the Fed stopped raising the benchmark that year as stocks weakened. By March 16th, 2020, with the COVID-19 pandemic starting to take its toll on the country, the Fed moved drastically and, in one month, slashed rates back to 0.00% to 0.25%.
儘管利率在 2018 年之前一直呈上升趨勢,但隨著股市走弱,聯準會在那一年停止了提高基準利率。到 2020 年 3 月 16 日,隨著 COVID-19 大流行開始對美國造成影響,聯準會採取了大幅行動,並在一個月內將利率下調至 0.00% 至 0.25%。
That all ended recently when the Fed initiated a new monetary easing cycle with a 50-basis-point cut to the fed funds rate, marking the first reduction since March 2020. This follows a 14-month policy pause, and the current fed funds rate dropped between 4.75% and 5.00%.
這一切都在最近結束,聯準會啟動了新的貨幣寬鬆週期,將聯邦基金利率下調50 個基點,這是自2020 年3 月以來的首次降息。 ,目前的聯邦基金利率跌幅在 4.75% 至 5.00% 之間。
The big fixed-income winners with rising interest rates for two years were investors and savers who kept their cash in high-yielding money market funds. Some paid monthly, with yields over 5%, and deposits were protected up to $250,000. The minute the rate cut dropped and hit the tape, Wall Street banks began slashing rates on the popular funds. Many fell as much as 50 basis points in a week. The bad news for conservative investors is that the fed funds rate will likely drop another 50 basis points before the end of 2024 and another 100 basis points in 2025. Funds yielding 4.5% will likely fall to 2.5% by the end of next year.
隨著利率連續兩年上漲,固定收益的大贏家是將現金存放在高收益貨幣市場基金的投資者和儲戶。有些按月支付,收益率超過 5%,存款最高受到 25 萬美元的保護。降息一開始,華爾街銀行就開始大幅削減熱門基金的利率。許多股票一週內下跌多達 50 個基點。對保守投資者來說,壞消息是聯邦基金利率可能在2024 年底前再下降50 個基點,在2025 年再下降100 個基點。 。
Don’t despair, conservative income lovers
不要絕望,保守的收入愛好者
We decided to screen our 24/7 Wall St. fixed income database, figuring there had to be some excellent alternatives for investors. While we discovered four or five contenders, one clear-cut winner came to the forefront after crunching the numbers and weighing all the different items, like management fees.
我們決定篩選我們的 24/7 華爾街固定收益資料庫,認為必須為投資者提供一些優秀的選擇。雖然我們發現了四到五個競爭者,但在計算數據並權衡管理費等所有不同項目後,一位明顯的獲勝者脫穎而出。
Not Surprisingly, it’s a Wall Street powerhouse
毫不奇怪,它是華爾街的巨頭
The fund that is our 24/7 Wall St. #1 best idea is run by BlackRock Inc. (NYSE: BLK). The company was founded in 1988 as an enterprise risk management and fixed-income institutional asset manager; BlackRock is the world’s largest asset manager, with over $10.5 trillion in assets under management. This compares to 8.59 trillion of AUM as of 2022. The total assets under management of BlackRock more than doubled between 2016 and 2024, making it one of the best companies in the world to navigate an environment of lower rates.
該基金是我們 24/7 Wall St. 排名第一的最佳創意,由 BlackRock Inc.(NYSE:BLK)經營。該公司成立於1988年,是一家企業風險管理和固定收益機構資產管理公司;貝萊德是全球最大的資產管理公司,管理超過 10.5 兆美元的資產。相較之下,截至2022 年,貝萊德的資產管理規模為8.59 兆。的最佳公司之一。
And the winner is …
獲勝者是…
The Blackrock BLF FedFund (NASDAQ: BFCXX). Moody’s rates the fund AAA-MF, while S&P has an AAAm rating; both are the highest available ratings. Here is the description of the fund, which has a $1 net asset value pricing, from the Blackrock website.
貝萊德 BLF 聯邦基金(納斯達克股票代碼:BFCXX)。穆迪對該基金的評級為 AAA-MF,而標準普爾的評級為 AAAm;兩者都是可用的最高評級。以下是 Blackrock 網站上對該基金的描述,該基金的資產淨值定價為 1 美元。
FedFund invests at least 99.5% of its assets in cash, U.S. Treasury bills, notes, and other obligations issued or guaranteed as to principal and interest by the U.S. Government, its agencies, or instrumentalities, and repurchase agreements secured by such obligations or cash.
聯邦基金至少 99.5% 的資產投資於現金、美國國庫券、票據以及美國政府、其機構或工具發行或擔保的本金和利息的其他債務,以及由此類債務或現金擔保的回購協議。
The Fund’s yield is not directly tied to the federal funds rate. The Fund invests in securities maturing in 397 days or less (with certain exceptions), and the portfolio will have a dollar-weighted average maturity of 60 days or less and a dollar-weighted average life of 120 days or less. The Fund may invest in variable and floating rate instruments and transact in securities on a when-issued, delayed delivery,
該基金的收益率並不直接與聯邦基金利率掛鉤。本基金投資於到期日為 397 天或更少的證券(有某些例外),投資組合的美元加權平均期限為 60 天或更少,美元加權平均期限為 120 天或更少。本基金可投資於可變利率及浮動利率工具,並以發行時延遲交割的方式進行證券交易,
The current 7-day SEC yield as of 9/23/2024 was 4.89%, and dividends are paid monthly. It should be noted that there is a $50,000 minimum investment amount.
截至 2024 年 9 月 23 日,目前 7 天 SEC 收益率為 4.89%,每月支付股息。值得注意的是,最低投資額為 50,000 美元。
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