4 ETF，每个婴儿潮一代都可能想在2023年考虑

安全，高收益的交易所交易资金可以帮助减轻退休压力。婴儿潮一代正在跳入比特币，作为避风港的资产。这不是一个糟糕的举动，尤其是在亲克莱托普总统特朗普回到白宫的行动。

Baby boomers are a generation that is known for its hard work and dedication. They have spent their lives building careers and families, and now they are finally approaching retirement. For many baby boomers, the goal is to have a comfortable and stress-free retirement.

婴儿潮一代是以其艰苦的工作和奉献精神而闻名的一代。他们一生都在建立职业和家庭，现在他们终于接近退休。对于许多婴儿潮一代，目标是要有舒适的压力退休。

One way to achieve this goal is to generate a good deal of passive income. This can be done by investing in safe, high-yielding exchange-traded funds, or ETFs. Here are a few ETFs that every baby boomer may want to consider.

实现这一目标的一种方法是产生大量的被动收入。这可以通过投资于安全，高产交易所交易的资金或ETF来完成。这是每个婴儿潮一代都想考虑的几个ETF。

Vanguard Real Estate ETF

先锋房地产ETF

If you are looking for a way to get exposure to the real estate market without having to buy and sell properties yourself, then you may want to consider the Vanguard Real Estate ETF (NYSEARCA:VNQ). This ETF tracks the performance of the MSCI US Investable Market Real Estate 25/50 Index.

如果您正在寻找一种不必自己买卖房地产市场的方法来接触房地产市场，那么您可能需要考虑Vanguard房地产ETF（Nysearca：VNQ）。该ETF跟踪MSCI美国可投资市场房地产25/50指数的性能。

With an expense ratio of 0.13%, a yield of 3.74%, and 160 holdings, including a great deal of real estate investment trusts (REITs), VNQ is a safe, long-term real estate opportunity.

VNQ的费用比率为0.13％，收益率为3.74％和160个持股，包括大量房地产投资信托（REITS），VNQ是一个安全，长期的房地产机会。

What makes it even more attractive is the recovery in commercial real estate. According to analysts at Deloitte, the CRE market is showing signs of recovery in 2025, with some predicting a generational opportunity, as noted in Deloitte’s 2025 Commercial Real Estate Outlook.

使它更具吸引力的是商业房地产的恢复。根据德勤的分析师的说法，CRE市场在2025年显示出恢复的迹象，其中一些人预测了世代相传的机会，正如德勤（Deloitte）2025年的2025年商业房地产前景中所指出的那样。

ProShares Bitcoin Strategy ETF

Proshares比特币策略ETF

Baby boomers are jumping into Bitcoin, as a safe haven asset. That’s not a bad move, especially with pro-crypto President Trump back in The White House, and analysts now calling for $200,000 Bitcoin later this year. Evercore ISI analysts recently called for $150,000 Bitcoin.

婴儿潮一代正在跳入比特币，作为避风港的资产。这并不是一个糟糕的举动，尤其是在亲克莱托普总统的特朗普回到白宫，分析师现在呼吁在今年晚些时候拨款200,000美元。 Evercore ISI分析师最近要求$ 150,000比特币。

One way to take advantage of Bitcoin upside is with the ProShares Bitcoin Strategy ETF (NYSEARCA:BITO). With $1.8 billion under management and an expense ratio of 0.95%, the BITO ETF mimics the price of Bitcoin as closely as possible without investing in the cryptocurrency itself. It last paid a monthly dividend of $1.113 on December 23. BITO is also seeing strong inflows. Over the last month, it saw net flows of 86.16 million.

利用比特币上涨空间的一种方法是Proshares比特币策略ETF（Nysearca：Bito）。 Bito ETF的管理率为18亿美元，费用比率为0.95％，在不投资加密货币本身的情况下，尽可能地模仿了比特币的价格。它上次支付了12月23日的每月股息1.113美元。Bito也看到了强劲的流入。在过去的一个月中，它的净流量为8616万。

ProShares S&P 500 Dividend Aristocrats ETF

Proshares S＆P 500股息贵族ETF

There’s also the ProShares S&P 500 Dividend Aristocrats ETF (CBOE:NOBL). One of the best ways to generate reliable income is by investing in dividend aristocrats because they’re among the most reliable dividend payers. Not only have these stocks paid out dividends for more than 25 years, but they’re also some of the most reliable companies on the planet even in the worst of times.

还有ProShares S＆P 500股息贵族ETF（CBOE：NOBL）。产生可靠收入的最佳方法之一是投资股息贵族，因为它们是最可靠的股息付款人。这些股票不仅支付了25年以上的股息，而且即使在最糟糕的时候，它们也是地球上最可靠的公司。

And while you could always buy a basket of aristocrats, you can instead pick up the NOBL ETF, which holds 66 of them and yields 2.46%. Its expense ratio is 0.35%. Making it even more attractive, it’s been trending higher (with the exception of the 2020 drop along with a massive market pullback) since 2013.

虽然您总是可以购买一篮子贵族，但您可以拿起Nobl ETF，其中有66个贵族ETF，产生了2.46％。它的费用比率为0.35％。自2013年以来，它变得更加吸引人，它一直在更高（2020年下降以及大量市场下降）。

Schwab US Dividend Equity ETF

Schwab US股息权益ETF

There’s also the Schwab US Dividend Equity ETF (NYSEARCA:SCHD). With an expense ratio of 0.06%, the ETF tracks the total return of the Dow Jones U.S. Dividend index. It also yields 3.58% and has holdings in Amgen, AbbVie, Home Depot, Cisco Systems, Broadcom, Chevron, UPS, and Coca-Cola.

还有Schwab US股息权益ETF（Nysearca：Schd）。 ETF的费用比为0.06％，跟踪道琼斯琼斯美国股息指数的总回报。它还产生3.58％的股份，并在Amgen，Abbvie，Home Depot，Cisco Systems，Broadcom，Chevron，UPS和可口可乐中拥有持股。

The ETF includes a total of 103 dividend stocks. So, by buying into the ETF, you’re diversified with a great deal of dividend stocks. Plus, the fund tracks the Dow Jones U.S. Dividend 100. Even better, the SCHD has also been in a strong uptrend (again, with the exception of the 2020 market mess), returning just under 400% since 2011.

ETF总共包括103个股息股。因此，通过购买ETF，您会以大量的股息股票多元化。此外，该基金跟踪道琼斯琼斯美国股息100。更好的是，SCHD也处于强大的上升趋势（同样，除了2020年的市场混乱之外），自2011年以来返回不到400％。