$SCHD · Everything Money · 2026-11-10
说话者持有 SCHD，用于实现长期稳定收入、且不必卖出他认为被低估的股份。他认为它适合追求收入的初学者、年长且以收入为目标的投资者，也可作为对冲市场波动的工具，因为其低成本、现金流强劲的派息股在市场动荡中往往更抗跌，且在 IRA 或 401k 中股息可延税；买入应出于正确的理由。
逐段跳播
接下来，下一只交易所交易基金有些争议，即SCHD，Schwab美国股息股票ETF。SCHD投资于高质量、支付股息的公司——也就是与投资者分享利润的公司。
Now, the next exchange-traded fund is somewhat controversial, namely SCHD, the Schwab US Dividend Equity ETF. SCHD invests in high- quality, dividend-paying companies—that is, companies that share their profits with investors.
令人惊讶的是，它的费用不超过0.06%。也就是说，每投资1万美元只需支付6美元。该基金专注于强劲的财务数据、出色的现金流、可控的债务以及向股东派发股息的可靠记录，因为如你所知，只有拥有良好的现金流才能派发股息。
这些公司从强势地位做到这一点。正因如此，当市场动荡时，这些股票往往表现更稳健。人们正涌向避险资产。更好的是，如果你将其持有在递延纳税账户中，例如个人退休账户（IRA）或401k退休计划，股息将递延纳税。
你可以将其再投资，并可以继续买入更多份额，随着时间的推移，这会产生巨大差异。
Now, the surprising thing is that its expenses do not exceed 0.06%. That is, $6 for every $10,000 invested. This fund focuses on strong financial data, excellent cash flow, manageable debt, and a proven track record of distributing dividends to shareholders, because, as you know, dividends can only be distributed with good cash flow.
These companies do this from a position of strength. For this reason, when the market is in turmoil, these stocks tend to hold up better. People are heading towards safe havens.
Even better, if you hold it in a tax-deferred account such as an Individual Retirement Account ( IRA) or a 401k retirement plan, the dividends will be tax-deferred. You can reinvest it , and you can continue to buy more shares, and that makes a big difference over time.
我个人持有SCHD的股票，因为它们符合我的长期目标。
I personally own shares in SCHD because they align with my long-term goals.
所以，无论你是寻求收入的初学者，还是想要对冲市场波动的更有经验的投资者，CHD股票都能发挥重要作用。只因为正确的理由买入它。我买入它们是因为我拥有的已经超过我需要，现在对我来说最重要的是从所有投资中产生稳定的收入，这样我就能过自己的生活，而不必出售我认为被低估的股票。
So, whether you’re a beginner looking for income or a more experienced investor wanting to hedge against market volatility, CHD stocks can play an important role. Only buy it for the right reasons.
I buy them because I have more than I need, and what's most important to me now is to generate a steady income from all my investments so that I can live my life without having to sell shares that I believe are undervalued .
如果你年纪较大且更关心收入，SCHD股票可能是你计划中合适的一部分。
If you are older and more concerned about income, SCHD stock may be a suitable part of your plan.
这个频道对 $SCHD 的历次判断
Everything Money 在这只股票上共 2 条判断，这里只列相邻的几条。