顶级高收益创收 ETF 可增加您的每月现金流

这些创收 ETF 具有低波动性和高现金流。与成长型投资者相比，规避风险的投资者可能更容易被这些 ETF 所吸引。提前退休是可能的，而且可能比您想象的要容易。

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.

许多退休人员遵循 4% 的提款规则。他们每年提取投资组合的 4% 来支付费用，并希望投资组合在同一年升值超过 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.

但对于不想退出投资组合的投资者来说，还有另一种选择。创收型 ETF 的收益率较高，部分收益率高于 4.00%。一些投资者可以靠股息生活，而不是出售投资组合中的股票。然而，高收益率伴随着较低的潜在回报，因此它们更适合退休人员。

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

如果您想增加每月现金流，可以考虑以下一些顶级高收益创收 ETF。

Key Points

要点

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

这些创收 ETF 具有低波动性和高现金流。

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

与成长型投资者相比，规避风险的投资者可能更容易被这些 ETF 所吸引。

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提前退休是可能的，而且可能比您想象的要容易。现在点击此处查看您是领先还是落后。 （赞助）

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

嘉信理财美国股息股票 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.

过去 12 个月，嘉信理财美国股息股票 ETF (NYSEARCA:SCHD) 的费用比率为 0.06%，收益率为 3.64%。该基金专注于提供优质派息并具有可持续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.

该基金将 660 亿美元的总资产分配给 103 只股票。辉瑞（纽约证券交易所股票代码：PFE）、艾伯维（纽约证券交易所股票代码：ABBV）和思科（纳斯达克股票代码：CSCO）是该基金的前三大持股。 SCHD 在过去五年中实现了 11.0% 的年化回报率。

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

SPDR 投资组合 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) 让投资者能够投资于 S&P 500 指数中排名前 80 名的高股息收益率公司。该基金的费用率为 0.07%，过去 12 个月的收益率为 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.

这个收益率足够高，足以复制 4% 的规则，而无需出售一股。其三大持股是 Kellogg (NYSE:K)、Entergy (NYSE:ETR) 和 Kinder Morgan (NYSE:KMI)。该ETF过去五年的年化回报率为6.8%。

JPMorgan Equity Premium Income ETF (NYSEARCA:JEPI)

摩根大通股票溢价收入 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.

摩根大通股票溢价收入 ETF（NYSEARCA：JEPI）是最著名的创收 ETF 之一，过去 12 个月的收益率为 7.33%。该基金的费用率为 0.35%，总资产为 373 亿美元。

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 的目标是提供波动性较小的月度收入分配。该基金纳入防御性资产，并出售价外标普 500 指数看涨期权以产生每月收入。该基金的前三名仓位是Meta Platforms（纳斯达克股票代码：META）、亚马逊（纳斯达克股票代码：AMZN）和Nvidia（纳斯达克股票代码：NVDA）。该基金过去三年的年化回报率为6.6%。

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

Global X SuperDividend 美国 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) 提供月度派息，过去 12 个月的收益率为 5.88%。该基金的费用率为0.45%。它还拥有 6.337 亿美元的总资产，分布在 49 个控股公司中。

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以其低波动性而闻名，但其回报并不惊人。该ETF过去十年的年化回报率为2.1%。股息有所帮助，但该基金仅供退休人员使用。其三大持股是 Virtu Financial (NASDAQ:VIRT)、Kinder Morgan (NYSE:KMI) 和 Spire (NYSE:SR)。

iShares BB Rated Corporate Bond ETF (NYSEARCA:HYBB)

iShares BB 级公司债券 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 级企业债券 ETF (NYSEARCA:HYBB) 的费用比率为 0.25%，过去 12 个月的收益率为 6.23%。 BB级公司债券比AAA级债券风险更大，但收益率更高。大多数债券都可以顺利支付，从而产生稳定的现金流。

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.

该基金的大部分债券将在未来1-5年内到期。它持有 963 种债券，多元化程度很高。过去三年，HYBB 的年化回报率为 2.4%。

How to Incorporate ETFs into Your Retirement Plan

如何将 ETF 纳入您的退休计划

Income-generating ETFs can

创收 ETF 可以