{"id":386,"date":"2026-08-12T16:46:55","date_gmt":"2026-08-12T08:46:55","guid":{"rendered":"https:\/\/www.cyrilme.work.gd\/?p=386"},"modified":"2026-08-12T16:46:59","modified_gmt":"2026-08-12T08:46:59","slug":"%e6%99%82%e9%96%93%e7%9a%84%e6%9c%8b%e5%8f%8b%ef%bc%9a%e7%82%ba%e4%bb%80%e9%ba%bc-schd-%e6%98%af%e4%bd%a0%e6%8a%95%e8%b3%87%e7%b5%84%e5%90%88%e4%b8%ad%e4%b8%8d%e5%8f%af%e6%88%96%e7%bc%ba%e7%9a%84","status":"publish","type":"post","link":"https:\/\/meokay.top\/?p=386","title":{"rendered":"\u6642\u9593\u7684\u670b\u53cb\uff1a\u70ba\u4ec0\u9ebc SCHD \u662f\u4f60\u6295\u8cc7\u7d44\u5408\u4e2d\u4e0d\u53ef\u6216\u7f3a\u7684\u300c\u73fe\u91d1\u6d41\u795e\u76fe\u300d\uff1f"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u5728\u7f8e\u80a1\u5e02\u5834\u4e2d\uff0c\u6709\u5169\u7a2e\u622a\u7136\u4e0d\u540c\u7684\u5feb\u6a02\u3002\u4e00\u7a2e\u662f\u8cb7\u4e2d\u4e86\u4e0b\u4e00\u500b\u8f1d\u9054\uff08NVIDIA\uff09\u6216\u7279\u65af\u62c9\uff08Tesla\uff09\uff0c\u770b\u8457\u5e33\u6236\u8cc7\u7522\u5728\u5e7e\u500b\u6708\u5167\u7ffb\u500d\u7684\u300c\u591a\u5df4\u80fa\u5f0f\u72c2\u6b61\u300d\uff1b\u53e6\u4e00\u7a2e\uff0c\u5247\u662f\u7121\u8ad6\u5927\u76e4\u66b4\u8dcc\u9084\u662f\u66b4\u6f32\uff0c\u6bcf\u4e09\u500b\u6708\u90fd\u80fd\u770b\u5230\u4e00\u7b46\u6bd4\u4e0a\u6b21\u66f4\u8c50\u539a\u7684\u73fe\u91d1\u81ea\u52d5\u532f\u5165\u5e33\u6236\uff0c\u9019\u7a2e\u8e0f\u5be6\u611f\u5e36\u4f86\u7684\u300c\u5167\u5561\u80bd\u5f0f\u5b89\u5be7\u300d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u8ffd\u6c42\u7684\u662f\u5f8c\u8005\uff0c\u6216\u8005\u4f60\u5e0c\u671b\u5728\u7d93\u6b77\u4e86\u6210\u9577\u80a1\u7684\u5287\u70c8\u985b\u7c38\u5f8c\uff0c\u70ba\u81ea\u5df1\u7684\u8ca1\u5bcc\u5c0b\u627e\u4e00\u500b\u53ef\u4ee5\u5b89\u7a69\u505c\u6cca\u7684\u6e2f\u7063\uff0c\u90a3\u9ebc <strong>Schwab U.S. Dividend Equity ETF\uff08\u7f8e\u80a1\u4ee3\u865f\uff1aSCHD\uff09<\/strong> \u7d55\u5c0d\u662f\u4f60\u907f\u4e0d\u958b\u7684\u540d\u5b57\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u81ea 2011 \u5e74\u6210\u7acb\u4ee5\u4f86\uff0cSCHD \u88ab\u7121\u6578\u9577\u671f\u6295\u8cc7\u8005\u3001FIRE\uff08\u8ca1\u52d9\u7368\u7acb\u3001\u63d0\u65e9\u9000\u4f11\uff09\u65cf\u7fa4\u5949\u70ba\u300c\u795e\u80a1\u300d\u3002\u5b83\u6191\u85c9\u8457\u50c5 0.06% \u7684\u6975\u4f4e\u7ba1\u7406\u8cbb\uff0c\u4ee5\u53ca\u7121\u53ef\u6311\u5254\u7684\u9078\u80a1\u908f\u8f2f\uff0c\u5728\u904e\u53bb\u5341\u5e7e\u5e74\u4e2d\u8b49\u660e\u4e86\u81ea\u5df1\u3002\u5373\u4fbf\u5728 2024 \u5230 2026 \u5e74\u9019\u6bb5\u300cAI \u8d0f\u5bb6\u901a\u5403\u300d\u7684\u6975\u7aef\u884c\u60c5\u4e2d\uff0cSCHD \u986f\u5f97\u6709\u4e9b\u9eef\u6de1\u7121\u5149\uff0c\u4f46\u9019\u7d72\u6beb\u4e0d\u640d\u5bb3\u5b83\u4f5c\u70ba\u300c20 \u5e74\u8d85\u9577\u7dda\u5e95\u5009\u300d\u7684\u6838\u5fc3\u50f9\u503c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4eca\u5929\uff0c\u6211\u5011\u5c31\u4f86\u9032\u884c\u4e00\u5834\u6df1\u5ea6\u7684\u300c\u89e3\u5256\u300d\uff0c\u5f9e\u5e95\u5c64\u57fa\u56e0\u3001\u6b77\u53f2\u56de\u6e2c\u3001\u5b8f\u89c0\u9031\u671f\u5230\u5fc3\u7406\u5efa\u8a2d\uff0c\u5fb9\u5e95\u8b1b\u900f\u70ba\u4ec0\u9ebc SCHD \u503c\u5f97\u4f60\u6301\u6709\u5230\u9000\u4f11\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7b2c\u4e00\u90e8\u5206\uff1a\u89e3\u78bc SCHD \u7684\u300c\u9078\u80a1\u57fa\u56e0\u300d\u2014\u2014\u70ba\u4ec0\u9ebc\u5b83\u80fd\u907f\u958b\u50f9\u503c\u9677\u9631\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u4eba\u5c0d\u300c\u9ad8\u80a1\u606f ETF\u300d\u6709\u8457\u6df1\u6df1\u7684\u8aa4\u89e3\uff0c\u8a8d\u70ba\u53ea\u8981\u6b96\u5229\u7387\u9ad8\u5c31\u662f\u597d\u6a19\u7684\u3002\u9019\u5728\u6295\u8cc7\u754c\u88ab\u7a31\u70ba\u300c\u50f9\u503c\u9677\u9631\uff08Value Trap\uff09\u300d\u2014\u2014\u4e00\u5bb6\u516c\u53f8\u80a1\u50f9\u56e0\u70ba\u57fa\u672c\u9762\u60e1\u5316\u800c\u66b4\u8dcc\uff0c\u5c0e\u81f4\u5176\u300c\u6b77\u53f2\u80a1\u606f\u6b96\u5229\u7387\u300d\u770b\u8d77\u4f86\u7570\u5e38\u5f97\u9ad8\uff0c\u6563\u6236\u8caa\u5716\u9ad8\u606f\u8cb7\u5165\uff0c\u7d50\u679c\u8cfa\u4e86\u80a1\u606f\u3001\u8ce0\u4e86\u9245\u984d\u672c\u91d1\uff0c\u751a\u81f3\u6700\u5f8c\u516c\u53f8\u9023\u80a1\u606f\u90fd\u767c\u4e0d\u51fa\u4f86\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">SCHD \u4e4b\u6240\u4ee5\u88ab\u7a31\u70ba\u300c\u795e\u76fe\u300d\uff0c\u6b63\u662f\u56e0\u70ba\u5b83\u8ffd\u8e64\u7684 \u300c\u9053\u74ca\u65af\u7f8e\u570b\u524d 100 \u5927\u80a1\u606f\u6307\u6578 (Dow Jones U.S. Dividend 100 Index)\u300d \u64c1\u6709\u6975\u5176\u56b4\u82db\u3001\u582a\u7a31\u6559\u79d1\u66f8\u7d1a\u5225\u7684\u300c\u56db\u91cd\u8ca1\u52d9\u904e\u6ffe\u7db2\u300d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b83\u4e0d\u662f\u5728\u5783\u573e\u5806\u88e1\u627e\u9ad8\u606f\uff0c\u5b83\u662f\u5728\u300c\u8cc7\u512a\u73ed\u300d\u88e1\u6311\u9078\u6700\u6177\u6168\u7684\u5b78\u751f\u3002<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u7d55\u5c0d\u7684\u9580\u6abb\uff1a\u9023\u7e8c 10 \u5e74\u652f\u4ed8\u80a1\u606f<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u9019\u662f\u9032\u5165 SCHD \u5019\u9078\u6c60\u7684\u7b2c\u4e00\u5f35\u9580\u7968\u3002\u4e00\u5bb6\u516c\u53f8\u5fc5\u9808\u5728\u904e\u53bb\u6574\u6574 10 \u5e74\u5167\uff0c\u6bcf\u5e74\u90fd\u4e0d\u9593\u65b7\u5730\u767c\u653e\u80a1\u606f\u3002<br>\u9019\u610f\u5473\u8457\u4ec0\u9ebc\uff1f\u610f\u5473\u8457\u9019\u5bb6\u516c\u53f8\u81f3\u5c11\u6490\u904e\u4e86\u4e00\u6b21\u5b8c\u6574\u7684\u7d93\u6fdf\u9031\u671f\uff0c\u751a\u81f3\u7d93\u6b77\u904e 2020 \u5e74\u7684\u75ab\u60c5\u7194\u65b7\u3002\u90a3\u4e9b\u9760\u8457\u77ed\u671f\u66b4\u5229\u767c\u653e\u4e00\u6b21\u6027\u7279\u5225\u80a1\u606f\u7684\u6295\u6a5f\u516c\u53f8\uff0c\u6216\u8005\u73fe\u91d1\u6d41\u6975\u5ea6\u4e0d\u7a69\u5b9a\u7684\u65b0\u5275\u4f01\u696d\uff0c\u5728\u7b2c\u4e00\u95dc\u5c31\u88ab\u7121\u60c5\u5254\u9664\u4e86\u3002\u9019\u4fdd\u969c\u4e86\u6210\u5206\u80a1\u7684\u300c\u751f\u5b58\u97cc\u6027\u300d\u3002<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>\u56db\u91cd\u8ca1\u52d9\u6307\u6a19\u7684\u300c\u7149\u8831\u300d<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u9032\u5165\u5019\u9078\u6c60\u5f8c\uff0cSCHD \u4e0d\u6703\u55ae\u7d14\u6309\u6b96\u5229\u7387\u6392\u540d\uff0c\u800c\u662f\u6839\u64da\u4ee5\u4e0b\u56db\u500b\u540c\u7b49\u6b0a\u91cd\uff08\u5404\u4f54 25%\uff09\u7684\u8ca1\u52d9\u6307\u6a19\u9032\u884c\u7d9c\u5408\u6253\u5206\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u81ea\u7531\u73fe\u91d1\u6d41\u8207\u7e3d\u50b5\u52d9\u6bd4 (Cash Flow to Total Debt)\uff1a<br>\u9019\u662f\u6aa2\u9a57\u516c\u53f8\u6709\u6c92\u6709\u300c\u6253\u816b\u81c9\u5145\u80d6\u5b50\u300d\u7684\u7167\u5996\u93e1\u3002\u5f88\u591a\u516c\u53f8\u501f\u9322\u767c\u80a1\u606f\u4f86\u8a0e\u597d\u80a1\u6771\uff0c\u9019\u7a2e\u884c\u70ba\u5728\u5347\u606f\u9031\u671f\u662f\u81f4\u547d\u7684\u3002\u9019\u500b\u6307\u6a19\u78ba\u4fdd\u4e86\u5165\u9078\u516c\u53f8\u662f\u7528\u300c\u771f\u91d1\u767d\u9280\u7684\u71df\u696d\u5229\u6f64\u300d\u5728\u767c\u9322\uff0c\u4e14\u50b5\u52d9\u8ca0\u64d4\u6975\u4f4e\uff0c\u5177\u5099\u6975\u5f37\u7684\u6297\u98a8\u96aa\u80fd\u529b\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u80a1\u6771\u6b0a\u76ca\u5831\u916c\u7387 (Return on Equity, ROE)\uff1a<br>\u9019\u662f\u80a1\u795e\u5df4\u83f2\u7279\u6700\u770b\u91cd\u7684\u6307\u6a19\u3002ROE \u4ee3\u8868\u516c\u53f8\u7528\u80a1\u6771\u7684\u9322\u8cfa\u53d6\u5229\u6f64\u7684\u6548\u7387\u3002\u9ad8 ROE \u610f\u5473\u8457\u516c\u53f8\u64c1\u6709\u6975\u6df1\u7684\u300c\u8b77\u57ce\u6cb3\u300d\u2014\u2014\u53ef\u80fd\u662f\u5b9a\u50f9\u6b0a\uff08\u5982\u53ef\u53e3\u53ef\u6a02\uff09\u3001\u53ef\u80fd\u662f\u5c08\u5229\u58c1\u58d8\uff08\u5982\u5fb7\u5dde\u5100\u5668\uff09\u3002\u9019\u78ba\u4fdd\u4e86 SCHD \u8cb7\u5230\u7684\u662f\u300c\u9ad8\u54c1\u8cea (Quality)\u300d\u4f01\u696d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9810\u4f30\u80a1\u606f\u6b96\u5229\u7387 (Indicated Dividend Yield)\uff1a<br>\u5728\u78ba\u4fdd\u4e86\u516c\u53f8\u4e0d\u6703\u7834\u7522\u4e14\u6975\u5ea6\u8cfa\u9322\u5f8c\uff0cSCHD \u624d\u6703\u8003\u616e\u5b83\u300c\u5927\u4e0d\u5927\u65b9\u300d\u3002\u9019\u500b\u6307\u6a19\u78ba\u4fdd\u4e86\u9019\u6a94 ETF \u80fd\u63d0\u4f9b\u7d66\u6295\u8cc7\u4eba\u6eff\u610f\u7684\u7d55\u5c0d\u73fe\u91d1\u6d41\uff08\u901a\u5e38\u7dad\u6301\u5728 3.4% \u5de6\u53f3\uff09\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e94\u5e74\u80a1\u606f\u5e74\u5316\u6210\u9577\u7387 (5-Year Dividend Growth Rate)\uff1a<br>\u9019\u662f SCHD \u6700\u6838\u5fc3\u7684\u9748\u9b42\uff01\u901a\u8ca8\u81a8\u8139\u662f\u73fe\u91d1\u7684\u96b1\u5f62\u6bba\u624b\uff0c\u5982\u679c\u4e00\u5bb6\u516c\u53f8\u6bcf\u5e74\u767c\u7684\u80a1\u606f\u6b7b\u6c34\u4e00\u6f6d\uff0c\u4f60\u7684\u8cfc\u8cb7\u529b\u5c31\u6703\u88ab\u901a\u81a8\u541e\u566c\u3002SCHD \u8981\u6c42\u516c\u53f8\u4e0d\u50c5\u8981\u767c\u9322\uff0c\u800c\u4e14\u6bcf\u5e74\u767c\u7684\u9322\u5fc5\u9808\u8d8a\u767c\u8d8a\u591a\u3002\u904e\u53bb\u5341\u5e74\uff0cSCHD \u7684\u5e74\u5316\u80a1\u606f\u6210\u9577\u7387\u9ad8\u9054 10% \u4ee5\u4e0a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7e3d\u7d50\u5b83\u7684\u57fa\u56e0\uff1a SCHD \u662f\u4e00\u6a94\u62ab\u8457\u300c\u9ad8\u80a1\u606f\u300d\u5916\u76ae\u7684\u300c\u9ad8\u8cea\u91cf\u6210\u9577\u80a1 (Quality Growth)\u300dETF\u3002\u5b83\u8cb7\u4e0b\u5168\u7f8e\u570b 100 \u5bb6\u6700\u8cfa\u9322\u3001\u8ca0\u50b5\u6700\u4f4e\u3001\u4e14\u9858\u610f\u6bcf\u5e74\u52a0\u85aa\u7d66\u4f60\u7684\u50b3\u7d71\u9f8d\u982d\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7b2c\u4e8c\u90e8\u5206\uff1a\u9577\u7dda\u6301\u6709\u7684\u56db\u5927\u7406\u7531\u2014\u2014\u70ba\u4ec0\u9ebc\u5b83\u662f\u6642\u9593\u7684\u670b\u53cb\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u6253\u7b97\u628a\u4e00\u7b46\u9322\u653e\u5728\u5e02\u5834\u88e1 20 \u5e74\u751a\u81f3 30 \u5e74\uff0c\u4f60\u9762\u81e8\u7684\u6700\u5927\u6575\u4eba\u4e0d\u662f\u77ed\u671f\u7684\u80a1\u5e02\u66b4\u8dcc\uff0c\u800c\u662f\u300c\u8907\u5229\u4e2d\u65b7\u300d\u548c\u300c\u4eba\u6027\u6050\u614c\u300d\u3002SCHD \u5c31\u662f\u70ba\u4e86\u89e3\u6c7a\u9019\u5169\u500b\u81f4\u547d\u554f\u984c\u800c\u751f\u7684\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u7406\u7531\u4e00\uff1a\u7b2c\u516b\u5927\u5947\u8e5f\u2014\u2014\u300c\u80a1\u606f\u518d\u6295\u5165 (DRIP)\u300d\u7684\u96ea\u7403\u6548\u61c9<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u611b\u56e0\u65af\u5766\u66fe\u8aaa\uff0c\u8907\u5229\u662f\u4e16\u754c\u7b2c\u516b\u5927\u5947\u8e5f\u3002\u4f46\u5f88\u591a\u4eba\u5728\u8cb7\u5165\u7d14\u6210\u9577\u80a1\uff08\u5982 QQQ\uff09\u6642\uff0c\u5f88\u96e3\u9ad4\u6703\u5230\u9019\u7a2e\u5be6\u5be6\u5728\u5728\u7684\u6efe\u96ea\u7403\u611f\u3002<br>\u7576\u4f60\u6301\u6709 SCHD \u4e26\u958b\u555f\u4e86\u5238\u5546\u7684\u300c\u80a1\u606f\u81ea\u52d5\u518d\u6295\u5165 (DRIP)\u300d\u529f\u80fd\u6642\uff0c\u9b54\u6cd5\u5c31\u767c\u751f\u4e86\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e00\u5e74\uff1a \u4f60\u7528\u672c\u91d1\u8cb7\u4e86 1000 \u80a1 SCHD\u3002\u9019 1000 \u80a1\u70ba\u4f60\u7522\u751f\u4e86 3.4% \u7684\u73fe\u91d1\u80a1\u606f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u767c\u606f\u65e5\uff1a \u5238\u5546\u81ea\u52d5\u7528\u9019\u4e9b\u73fe\u91d1\uff0c\u5728\u5e02\u5834\u4e0a\u70ba\u4f60\u8cb7\u5165\u4e86\u66f4\u591a\u7684 SCHD \u4efd\u984d\uff08\u4f8b\u5982\u8b8a\u6210 1034 \u80a1\uff09\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e8c\u5e74\uff1a \u4e0b\u4e00\u6b21\u914d\u606f\u6642\uff0c\u4f60\u4e0d\u50c5\u56e0\u70ba\u516c\u53f8\u7684\u300c\u4e94\u5e74\u80a1\u606f\u6210\u9577\u7387\u300d\u800c\u7372\u5f97\u4e86\u66f4\u9ad8\u7684\u6bcf\u80a1\u914d\u606f\uff0c\u800c\u4e14\u4f60\u73fe\u5728\u64c1\u6709 1034 \u80a1\u4f86\u53c3\u8207\u914d\u606f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u718a\u5e02\u7684\u7d05\u5229\uff1a \u6700\u7f8e\u5999\u7684\u662f\uff0c\u7576\u80a1\u5e02\u5927\u8dcc\u6642\uff0cSCHD \u7684\u80a1\u50f9\u8b8a\u4fbf\u5b9c\u4e86\u3002\u9019\u610f\u5473\u8457\u4f60\u7684\u80a1\u606f\u53ef\u4ee5\u300c\u8cb7\u5230\u66f4\u591a\u55ae\u4f4d\u7684\u80a1\u4efd\u300d\u3002\u5728\u4e0b\u8dcc\u9031\u671f\u4e2d\uff0c\u80a1\u606f\u518d\u6295\u5165\u5c31\u50cf\u662f\u4e00\u53f0\u81ea\u52d5\u9022\u4f4e\u8cb7\u9032\u7684\u5370\u9214\u6a5f\uff0c\u6975\u5927\u5730\u52a0\u901f\u4e86\u4f60\u7a4d\u7d2f\u80a1\u6b0a\u4efd\u984d\u7684\u901f\u5ea6\u3002\u5341\u5e74\u5f8c\u56de\u982d\u770b\uff0c\u4f60\u6703\u767c\u73fe\u5373\u4fbf\u80a1\u50f9\u6c92\u6f32\u591a\u5c11\uff0c\u4f60\u7684\u8cc7\u7522\u7e3d\u984d\u4e5f\u5df2\u7d93\u7522\u751f\u4e86\u8cea\u7684\u98db\u8e8d\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u7406\u7531\u4e8c\uff1a\u5c0d\u6297\u901a\u81a8\u7684\u5b8c\u7f8e\u907f\u96aa\u5de5\u5177<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728 2022 \u5e74\u4ee5\u4f86\u7684\u5168\u7403\u5927\u901a\u81a8\u6642\u4ee3\uff0c\u8a31\u591a\u4eba\u53bb\u8cb7\u9ec3\u91d1\u6216\u50b5\u5238\u4f86\u907f\u96aa\u3002\u4f46\u9577\u7dda\u4f86\u770b\uff0c\u771f\u6b63\u80fd\u5c0d\u6297\u901a\u81a8\u7684\uff0c\u662f\u90a3\u4e9b\u64c1\u6709\u300c\u5b9a\u50f9\u6b0a\u300d\u7684\u5be6\u9ad4\u4f01\u696d\u3002<br>SCHD \u7684\u6210\u5206\u80a1\u4e2d\u5305\u542b\u4e86\u5927\u91cf\u7684\u6d88\u8cbb\u54c1\u5de8\u982d\uff08\u5982\u5bb6\u5f97\u5bf6 HD\u3001\u767e\u4e8b\u53ef\u6a02 PEP\uff09\u3002\u7576\u9eb5\u7c89\u3001\u7cd6\u548c\u5de5\u8cc7\u4e0a\u6f32\u6642\uff0c\u9019\u4e9b\u516c\u53f8\u6703\u6beb\u4e0d\u7336\u8c6b\u5730\u8abf\u9ad8\u7d42\u7aef\u7522\u54c1\u7684\u552e\u50f9\uff0c\u800c\u6d88\u8cbb\u8005\u4f9d\u7136\u5fc5\u9808\u8cb7\u55ae\u3002\u9019\u4e9b\u516c\u53f8\u5c07\u901a\u81a8\u8f49\u5ac1\u7d66\u4e86\u6d88\u8cbb\u8005\uff0c\u8f49\u5316\u70ba\u66f4\u9ad8\u7684\u540d\u76ee\u5229\u6f64\uff0c\u7136\u5f8c\u518d\u900f\u904e\u300c\u80a1\u606f\u6210\u9577\u300d\u7684\u5f62\u5f0f\uff0c\u628a\u9019\u4e9b\u6297\u901a\u81a8\u7684\u5229\u6f64\u767c\u653e\u5230\u4f60\u7684\u5e33\u6236\u88e1\u3002<br>\u4f60\u7684\u85aa\u6c34\u53ef\u80fd\u8dd1\u4e0d\u8d0f\u901a\u81a8\uff0c\u4f46 SCHD \u6bcf\u5e74 10% \u7684\u80a1\u606f\u6210\u9577\u7387\uff0c\u7d55\u5c0d\u80fd\u628a\u901a\u81a8\u72e0\u72e0\u7529\u5728\u8eab\u5f8c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u7406\u7531\u4e09\uff1a\u718a\u5e02\u4e2d\u7684\u300c\u5fc3\u7406\u6309\u6469\u5100\u300d<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6295\u8cc7\u7406\u8ca1\u4e2d\uff0c\u6578\u5b78\u908f\u8f2f\u53ea\u4f54 20%\uff0c\u5269\u4e0b\u7684 80% \u90fd\u662f\u5fc3\u7406\u5b78\u3002<br>\u70ba\u4ec0\u9ebc 90% \u7684\u6563\u6236\u5728\u80a1\u5e02\u88e1\u8cfa\u4e0d\u5230\u9322\uff1f\u56e0\u70ba\u7576\u5927\u76e4\u66b4\u8dcc 30%\uff08\u5982 2008 \u5e74\u30012020 \u5e74\u75ab\u60c5\u30012022 \u5e74\u5347\u606f\uff09\u6642\uff0c\u770b\u8457\u5e33\u6236\u88e1\u8170\u65ac\u7684\u8cc7\u7522\uff0c\u4eba\u985e\u7684\u6050\u614c\u672c\u80fd\u6703\u4fc3\u4f7f\u4ed6\u5011\u300c\u5272\u8089\u505c\u640d\u300d\uff0c\u5f9e\u800c\u5b8c\u7f8e\u932f\u904e\u4e4b\u5f8c\u7684\u53f2\u8a69\u7d1a\u5927\u53cd\u5f48\u3002<br>SCHD \u63d0\u4f9b\u4e86\u4e00\u7a2e\u6975\u5176\u7f55\u898b\u7684\u300c\u60c5\u7dd2\u50f9\u503c\u300d\u3002<br>\u7576\u5927\u76e4\u66b4\u8dcc\u6642\uff0cSCHD \u6191\u85c9\u8457\u9ad8\u54c1\u8cea\u7684\u9632\u79a6\u6027\u677f\u584a\uff08\u91ab\u7642\u3001\u5fc5\u9700\u6d88\u8cbb\u3001\u5de5\u696d\uff09\uff0c\u5176\u8dcc\u5e45\u901a\u5e38\u9060\u5c0f\u65bc\u5927\u76e4\u3002\u66f4\u91cd\u8981\u7684\u662f\uff0c\u4e0d\u7ba1\u80a1\u50f9\u600e\u9ebc\u8dcc\uff0c\u6bcf\u4e09\u500b\u6708\u532f\u5165\u4f60\u5e33\u6236\u7684\u73fe\u91d1\u4e0d\u4f46\u6c92\u6709\u6e1b\u5c11\uff0c\u53cd\u800c\u9084\u5728\u589e\u52a0\u3002<br>\u9019\u7a2e\u300c\u73fe\u91d1\u6d41\u4e0d\u65b7\u300d\u7684\u8e0f\u5be6\u611f\uff0c\u6703\u7d66\u4f60\u5f37\u5927\u7684\u5fc3\u7406\u652f\u6490\uff0c\u8b93\u4f60\u80fd\u5920\u5728\u6700\u9ed1\u6697\u7684\u718a\u5e02\u4e2d\u5805\u6301\u5b9a\u6295\uff0c\u751a\u81f3\u6562\u65bc\u52a0\u78bc\u3002\u80fd\u8b93\u4f60\u62ff\u5f97\u4f4f\u7684\u8cc7\u7522\uff0c\u624d\u662f\u597d\u8cc7\u7522\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u7406\u7531\u56db\uff1a\u4f4e\u63db\u624b\u7387\u8207\u7a05\u52d9\u6548\u7387<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">SCHD \u6bcf\u5e74\u53ea\u5728 3 \u6708\u4efd\u9032\u884c\u4e00\u6b21\u6210\u5206\u80a1\u7684\u91cd\u65b0\u5e73\u8861\u8207\u7be9\u9078\u3002\u9019\u7a2e\u6975\u4f4e\u7684\u63db\u624b\u7387\uff08Turnover Rate\uff09\u5e36\u4f86\u4e86\u5169\u500b\u597d\u8655\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u96b1\u5f62\u6210\u672c\u6975\u4f4e\uff1a \u57fa\u91d1\u7d93\u7406\u4eba\u4e0d\u6703\u983b\u7e41\u8cb7\u8ce3\u80a1\u7968\uff0c\u7701\u4e0b\u4e86\u5927\u91cf\u7684\u4ea4\u6613\u6469\u64e6\u6210\u672c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7a05\u52d9\u53cb\u597d\uff1a \u5b83\u6d3e\u767c\u7684\u80a1\u606f\u4e2d\uff0c\u7d55\u5927\u591a\u6578\u5c6c\u65bc\u300c\u5408\u683c\u80a1\u606f\uff08Qualified Dividends\uff09\u300d\u3002\u5c0d\u65bc\u7f8e\u570b\u7a05\u52d9\u5c45\u6c11\u4f86\u8aaa\uff0c\u9019\u4eab\u6709\u6bd4\u4e00\u822c\u6240\u5f97\u7a05\u66f4\u4f4e\u7684\u512a\u60e0\u7a05\u7387\uff0c\u9577\u5e74\u7d2f\u6708\u4e0b\u4f86\uff0c\u7701\u4e0b\u7684\u7a05\u91d1\u662f\u4e00\u7b46\u4e0d\u5c0f\u7684\u8ca1\u5bcc\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7b2c\u4e09\u90e8\u5206\uff1a\u76f4\u9762\u9748\u9b42\u62f7\u554f\u2014\u2014SCHD \u6700\u8fd1\u70ba\u4f55\u300c\u8dd1\u8f38\u5927\u76e4\u300d\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728 2024 \u5e74\u5230 2026 \u5e74\u9019\u6bb5\u6642\u9593\uff0c\u5982\u679c\u4f60\u6301\u6709 SCHD\uff0c\u4f60\u5927\u6982\u7387\u6703\u7d93\u6b77\u4e00\u7a2e\u6975\u5ea6\u7684\u300c\u932f\u5931\u6050\u61fc\uff08FOMO\uff09\u300d\u3002\u773c\u770b\u8457\u6a19\u666e 500\uff08SPY\uff09\u548c\u7d0d\u65af\u9054\u514b 100\uff08QQQ\uff09\u5728 AI \u5de8\u982d\u7684\u5e36\u9818\u4e0b\u5c62\u5275\u65b0\u9ad8\uff0cSCHD \u537b\u50cf\u662f\u4e00\u7058\u6b7b\u6c34\uff0c\u751a\u81f3\u5728\u67d0\u4e9b\u6708\u4efd\u51fa\u73fe\u4e0b\u8dcc\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8a31\u591a\u4eba\u56e0\u6b64\u5927\u558a\uff1a\u300cSCHD \u8001\u4e86\uff0c\u50f9\u503c\u6295\u8cc7\u6b7b\u671f\u5df2\u81f3\uff01\u300d<br>\u4f46\u5982\u679c\u6211\u5011\u525d\u958b\u73fe\u8c61\u770b\u672c\u8cea\uff0c\u4f60\u6703\u767c\u73fe SCHD \u6700\u8fd1\u7684\u75b2\u8edf\uff0c\u975e\u4f46\u4e0d\u662f\u7f3a\u9ede\uff0c\u53cd\u800c\u8b49\u660e\u4e86\u5b83\u5728\u6295\u8cc7\u7d44\u5408\u4e2d\u7121\u53ef\u53d6\u4ee3\u7684\u300c\u5c0d\u6c96\u50f9\u503c\u300d\u3002<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u79d1\u6280\u80a1\u7684\u7f3a\u5e2d\uff08\u6a5f\u5236\u7684\u96d9\u9762\u5203\uff09<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u9019\u6ce2\u5927\u725b\u5e02\u662f\u6975\u5ea6\u300c\u504f\u98df\u300d\u7684\uff0c90% 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