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随着最年轻的婴儿潮一代(1946 年至 1964 年出生的美国人)今年年满 60 岁,关注宏伟的股息理念变得越来越重要
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.
随着最年轻的婴儿潮一代(在 1946 年至 1964 年期间出生的美国人)今年年满 60 岁,事实证明,专注于宏伟的股息理念变得越来越重要,这些理念将在 IRA 等指定退休账户内外提供可观的被动收入。
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%.
在大衰退期间,美联储降低了联邦基金利率以重振经济。 2008年12月至2015年12月,目标利率维持在0.00%至0.25%之间。
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%.
尽管利率在 2018 年之前一直呈上升趋势,但随着股市走弱,美联储在那一年停止了提高基准利率。到 2020 年 3 月 16 日,随着 COVID-19 大流行开始对美国造成影响,美联储采取了大幅行动,并在一个月内将利率下调至 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%.
这一切都在最近结束,美联储启动了新的货币宽松周期,将联邦基金利率下调 50 个基点,这是自 2020 年 3 月以来的首次降息。在此之前,美联储已经暂停了 14 个月的政策,目前的联邦基金利率跌幅在 4.75% 至 5.00% 之间。
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.
随着利率连续两年上涨,固定收益的大赢家是将现金存放在高收益货币市场基金的投资者和储户。有些按月支付,收益率超过 5%,存款最高受到 25 万美元的保护。降息一开始,华尔街银行就开始大幅削减热门基金的利率。许多股票一周内下跌多达 50 个基点。对于保守投资者来说,坏消息是联邦基金利率可能会在 2024 年底前再下降 50 个基点,在 2025 年再下降 100 个基点。到明年年底,基金收益率可能会从 4.5% 降至 2.5%。
Don’t despair, conservative income lovers
不要绝望,保守的收入爱好者
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.
我们决定筛选我们的 24/7 华尔街固定收益数据库,认为必须为投资者提供一些优秀的选择。虽然我们发现了四到五个竞争者,但在计算数据并权衡管理费等所有不同项目后,一位明显的获胜者脱颖而出。
Not Surprisingly, it’s a Wall Street powerhouse
毫不奇怪,它是华尔街的巨头
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.
该基金是我们 24/7 Wall St. 排名第一的最佳创意,由 BlackRock Inc.(纽约证券交易所股票代码:BLK)运营。该公司成立于1988年,是一家企业风险管理和固定收益机构资产管理公司;贝莱德是全球最大的资产管理公司,管理着超过 10.5 万亿美元的资产。相比之下,截至 2022 年,贝莱德的资产管理规模为 8.59 万亿。2016 年至 2024 年间,贝莱德管理的总资产增加了一倍多,使其成为世界上应对较低利率环境的最佳公司之一。
And the winner is …
获胜者是……
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.
贝莱德 BLF 联邦基金(纳斯达克股票代码:BFCXX)。穆迪对该基金的评级为 AAA-MF,而标准普尔的评级为 AAAm;两者都是可用的最高评级。以下是 Blackrock 网站上对该基金的描述,该基金的资产净值定价为 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.
联邦基金至少 99.5% 的资产投资于现金、美国国库券、票据以及美国政府、其机构或工具发行或担保的本金和利息的其他债务,以及由此类债务或现金担保的回购协议。
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,
该基金的收益率并不直接与联邦基金利率挂钩。本基金投资于到期日为 397 天或更少的证券(有某些例外),投资组合的美元加权平均期限为 60 天或更少,美元加权平均期限为 120 天或更少。本基金可以投资于可变利率和浮动利率工具,并以发行时延迟交割的方式进行证券交易,
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,当前 7 天 SEC 收益率为 4.89%,每月支付股息。值得注意的是,最低投资额为 50,000 美元。
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