鉴于其低波动性（beta约0.69）、股息持续增长以及下行保护，SCHD是适合长期持有的首选股息基金。
逐段跳播
出于这个原因，我想要一只股息基金，而在我看来最好的选择是 SCHD，也就是 Schwab US Dividend Equity ETF。
For this reason, I want a dividend fund, and the best option in my opinion is SCHD, which is the Schwab US Dividend Equity ETF.
看看它的贝塔系数。SCHD 的贝塔系数约为 0.69。也就是说，它的波动比标普 500 指数低 30%。这正是我所寻找的。
Look at its beta coefficient. SCHD's beta coefficient is approximately 0.69. That is, it fluctuates 30% less than the S&P 500 index. That is exactly what I am looking for.
与此同时，SCHD 在同一时期实现了约 61% 的总回报，在过去十年中每年约为 13%。SCHD 也派发股息，目前略高于 3%，而且自该基金 2011 年成立以来，这些股息每年都在增长，也就是连续 14 年增长，这是非常出色的表现。持有它的成本几乎为零，费用仅为 0.06%。
Meanwhile, SCHD achieved a total return of approximately 61% during the same period, and about 13% annually over the past decade. SCHD also pays dividends, currently slightly over 3%, and these dividends have grown annually since the fund was launched in 2011, i.e., for 14 consecutive years, which is an excellent performance.
The cost of owning it is almost zero, with expenses amounting to 0.06 %.
所以，即使在最糟糕的年份——SCHD 在其最糟糕的完整年度中下跌了约 5%——你仅仅靠等待仍能获得大约 3% 的回报。
So, even in the worst years—and SCHD saw a decline of approximately 5% in its worst full year—you will still get roughly 3% in returns just by waiting.
利润下降 5% 却仍能收取股息，这是一个很大的优势。该基金在形势好的时候增长，在形势差的时候几乎不亏损。2022 年，也就是股票下跌 18%、债券下跌 13% 的那一年，SCHD 的价值仅下跌了 3%。
这证明了该基金中安全部门的有效性。这是这个投资组合的理想基金类型。
A 5% decrease in profits while still being collected is a great advantage. The fund grows when conditions are good, and loses almost nothing when they are bad. In 2022, the year in which stocks fell by 18% and bonds by 13%, SCHD's value fell by only 3%.
This is evidence of the effectiveness of the security department in the fund. This is the ideal type of fund for this portfolio.
所以，在我看来，世界上最好的三基金投资组合是一只像 VOO 或 VTI 这样的基础 ETF，一只像 SCHD 或者也许是 VTV 这样安全稳定的现金流 ETF，以及一只像 SCHG、QQQM 或 VUG 这样收益率略高、风险略高的成长型 ETF。
So, the best three-fund portfolio in the world, in my opinion, is a basic ETF like VOO or VTI, a safe and stable cash flow ETF like SCHD or maybe VTV, and a slightly higher-yielding, slightly higher-risk growth ETF like SCHG, QQQM, or VUG.
我此前在应税账户中持有大量 SCHD 收益 ETF，但我已不再向该账户中的 SCHD 追加太多资金。我已不再向该账户中的 SCHD 追加太多资金。
I previously had a large amount of SCHD earnings ETF in my taxable account, but I stopped adding much to SCHD within that account. I stopped adding much to SCHD within that account.
我仍然在我的 Roth 账户中加仓，而在应税部分，正如我在本视频前面提到的，我加仓 VTV。
I still add to it in my Roth account, and in the taxable portion, I add VTV as I mentioned earlier in this video .
这个频道对 $SCHD 的历次判断
Investing Simplified - Professor G 在这只股票上共 4 条判断，这里只列相邻的几条。