【Marko - WhiteBoard Finance】这5只美股ETF，值得你拿一辈子

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嘿

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大家欢迎回到今天的白板财经视频

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我要展示最适合长期持有的最佳ETF

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即使在核灾末日

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好的

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即使在二战期间

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你需要持有这些ETF

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我投资已经超过二十年了

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并且赚到了真金白银

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我也曾亏过真金白银

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我还见过太多人过度复杂化这个问题

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你只需要这五样东西长期持有就够了

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我保证大家继续看下去

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每一个稳固的结构

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都始于基础

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看看这张令人惊叹的房子照片

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这里是你地面层，下方是地基

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你不会在浇筑混凝土前先建墙

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显然我的投资组合基础

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我首先会配置什么

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如果今天重新开始，我会选择VTI或标普500ETF

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好的

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让我解释这两者的区别

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标普500追踪

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美国五百家最大上市公司

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这些就是你的苹果

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奈飞

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亚马逊

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微软

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这是一个能同时覆盖五百家公司的基金

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VTI

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但它更进一步

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追踪整个美股市场约三千五百只股票

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或三千五百家公司

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抱歉

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这些包含这里提到的五百家公司

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但还能获得中盘和小盘股

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未进入标普500的公司

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历史上两者收益非常接近

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长期年化回报率约百分之十

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回溯到指数基金形成现代五百只股票时

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嗯

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这大约在五十年代末

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短期内可能此消彼长

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但长期会趋于一致

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如果我构建这层基础

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在传统财务规划中

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基础应包含某种保险

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好的

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但本期视频由Policy Genius赞助

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我们将从这里开始打下基础

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使用vti和标准普尔五百种股票形式

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好的

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第二个问题是大多数美国投资者常犯的错误

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好的

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他们构建了一整个美国公司的投资组合

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并称之为多元化

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是的

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你确实如此

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但这就像说你尝试过所有食物

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但你从未走出家三英里范围外的餐厅

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好的

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嘿

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猜猜看世界其他地方存在

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上帝保佑美国和只有美国

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历史上有几十年时期表现良好

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其实我先介绍一下这个内容

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所以我选了vt作为第二个

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是的

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你有vx us

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嗯

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这是先锋的国际基金

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还有成千上万的其他基金

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但针对vt

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我选择它的原因是几乎涵盖全球所有公司

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好的

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当时录音时约有九千家公司

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可能稍有偏差

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更重

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当时录音时美国部分权重更高

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但你可以通过一个ETF获得全球股市

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这几乎是唯一需要购买的基金

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如果你寻求股票投资

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且成本极低

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费用率为零点

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六个百分点

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国际市场曾长期显著超越

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U

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S市场

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很多人并不了解这一点

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比如七十年代

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二千年

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这种情况会发生

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vt是一个涵盖约九千家公司的单一基金

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如前所述覆盖全球

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美国占比约六成

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如录音时所述

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国际部分占四成

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这四成分布在发达和新兴国际市场

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所以你拥有欧洲

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日本

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加拿大

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澳大利亚和亚洲新兴市场

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例如

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所以当美国股市表现不佳时

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希望国际持仓能帮助平衡这种情况

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嗯

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近期它的表现不如标普500

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呃

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但再次强调

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如果你回溯不同时期

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持有国际股票具有战略意义

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正如我之前提到的

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管理费率为零点

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零六个百分点

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好的

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这相当于每百分之一的六基点

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因此每投资十万美元需支付六美元

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好的

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这是一个极其廉价的基金

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另一个特点是它会自动再平衡

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因此你无需在此纠结

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好的

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是否需要添加这个

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需要说明它会自动再平衡

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对于这类费用，这只ETF无可比拟

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好的

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第三项是HD，爱它或恨它

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我持有大量这类资产

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实际上我们正在添加收益层

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SCD是信孚的分红ETF

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专注于优质股票

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这是我个人最爱之一

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当你购买STD份额

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即投资一篮子高质量

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美国企业并持续分红增长

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关键词是增长

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当前持仓包括德州仪器

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高通

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可口可乐和 Verizon

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我知道这些名字不够吸引人

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尤其是SpaceX上市时

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在本录音时点

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嗯，但它们绝不会一夜暴涨

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但它们始终向股东派息

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无论顺境逆境

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经历衰退期

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疫情冲击

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加息周期

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经历这一切之后

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截至本次录音时，标准普尔的当前股息收益率为3.2%

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如果你持有5万美元的ST股票

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每年可获得约1610美元的股息收入

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仅因持有该股票

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这笔钱将进入你的账户

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你可以自行决定如何处理

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或者通过股息再投资计划自动再投资

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如果愿意的话

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所以

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我个人选择再投资，因为复利效应会随时间加速增长

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而拥有这些优质企业

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具有稳定增长的股息的优质公司

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管理费用仅为0.06%

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就像VT一样，这只ETF在我的投资组合中扮演关键角色

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但在深入讨论之前

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让我们介绍今天的赞助商

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我们快速聊聊

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我想谈谈你实际进行这些操作的平台

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因为平台比大多数人想象的更重要，本视频由Weeble赞助

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我想告诉你一项对零售交易者产生实质性影响的改变

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日内保证金规则刚刚调整

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Weeble是首批公开支持这一变化的券商之一

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拥有5000美元的Weeble账户

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以及5万美元账户现在适用相同的保证金规则

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无论账户规模大小

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此外，Weeble最近推出了MCP服务器

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这意味着你可以直接将Weeble账户连接到Claude或ChatGPT等AI工具

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AI可读取你的持仓列表

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分析持仓并提供洞察

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无需在不同标签间复制粘贴数据

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目前没有其他主要券商在规模化实施这一功能

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他们还提供免费的机构级

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图表工具

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实时数据和模拟交易

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让你在实盘前练习

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而Vega AI直接位于图表旁

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实时解释你所看到的市场动态

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如果你想订阅Weeble Premium

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年利率为3.3%

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3.3%

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5.3%的年化收益率

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年化百分比

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收益率，其他费用可能另计

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请查看下方描述中的链接

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如果你想了解更多

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Weeble正在开展促销活动

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符合条件的用户可获20美元英伟达股票和一个月Premium服务

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在首次存入500美元后

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请查看下方描述中的链接

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如果你想了解更多

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好的

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第三个是egov

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是的

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这是一个etf

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它基本上是现金等价物

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或者这是该投资的现金部分

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它应该在三楼

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但所有现实中的现金都应作为基础

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好的

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它流动性强且防御性强

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所以当人们提到现金时

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他们要么持有过多现金

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存放在支票账户里

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赚取零收益却毫不知情

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要么完全没有现金储备

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然后恐慌

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抛售投资

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一旦发生问题

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好的

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生活出现变故

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所以egov

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解决了第一个问题

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egov是iShares的国债etf

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它的作用是

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持有超短期

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U

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以国库券形式持有政府债务

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具体为零至三个月期国库券

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好的

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三个月或更短的期限意味着它接近无风险

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任何投资所能达到的

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同时仍支付有意义的收益

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当我攻读金融学位时

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国库券几乎被视为无风险利率

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好的

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现在

237
00:08:00,399 --> 00:08:03,329
美国国债收益率约为3.5%

238
00:08:03,329 --> 00:08:05,110
基于30天计算

239
00:08:05,110 --> 00:08:08,300
管理费为千分之九

240
00:08:08,300 --> 00:08:13,600
扣除费用后净收益仍保持约3.5%

241
00:08:13,600 --> 00:08:17,959
与你在大银行的储蓄账户相比

242
00:08:17,959 --> 00:08:18,660
几乎不支付利息

243
00:08:18,660 --> 00:08:20,399
如果你没有高息储蓄账户

244
00:08:20,399 --> 00:08:22,240
查看此处的二维码

245
00:08:22,240 --> 00:08:24,680
这些是我目前知道的最高收益账户

246
00:08:24,680 --> 00:08:28,019
对许多人来说仍低于1%

247
00:08:28,019 --> 00:08:30,750
你的资金不应存入传统

248
00:08:30,750 --> 00:08:31,589
你知道的

249
00:08:31,589 --> 00:08:32,269
支票账户

250
00:08:32,269 --> 00:08:33,830
除非你绝对必须放在那里

251
00:08:33,830 --> 00:08:35,090
你通常会得到零分

252
00:08:35,090 --> 00:08:36,230
零一点零零%

253
00:08:36,230 --> 00:08:40,788
你正错失大量资金，因为你的应急储备金或短期现金

254
00:08:40,788 --> 00:08:42,708
存放在不为你工作的地方

255
00:08:42,708 --> 00:08:43,889
至少要这样做

256
00:08:43,889 --> 00:08:46,469
所以我要你注意这个

257
00:08:46,469 --> 00:08:46,788
不过

258
00:08:46,788 --> 00:08:49,450
如果你居住在有州所得税的州

259
00:08:49,450 --> 00:08:50,129
嗯

260
00:08:50,129 --> 00:08:52,549
这将相当于1099表格

261
00:08:52,549 --> 00:08:55,049
因此这是从u账户获得的利息

262
00:08:55,049 --> 00:08:56,309
美国国债证券

263
00:08:56,309 --> 00:08:58,429
实际上egov就持有这类资产

264
00:08:58,429 --> 00:09:02,450
通常免征州及地方所得税

265
00:09:02,450 --> 00:09:04,429
但仍需缴纳联邦税

266
00:09:04,429 --> 00:09:04,769
然而

267
00:09:04,769 --> 00:09:06,549
但如果你处于高税率州

268
00:09:06,549 --> 00:09:07,879
比如加州

269
00:09:07,879 --> 00:09:09,600
纽约或新泽西

270
00:09:09,600 --> 00:09:11,379
这项豁免非常重要

271
00:09:11,379 --> 00:09:11,679
好的

272
00:09:11,679 --> 00:09:12,839
确实有影响

273
00:09:12,839 --> 00:09:16,038
使egov的税后实际收益率

274
00:09:16,038 --> 00:09:16,938
更加优异

275
00:09:16,938 --> 00:09:18,839
相比高收益储蓄账户

276
00:09:18,839 --> 00:09:21,578
或不享受该豁免的货币市场基金

277
00:09:21,578 --> 00:09:24,578
因为货币市场基金还有管理费

278
00:09:24,578 --> 00:09:27,938
我本人将sgov作为现金等价物

279
00:09:27,938 --> 00:09:28,938
这是存放资金的地方

280
00:09:28,938 --> 00:09:31,659
不想暴露在股市波动中

281
00:09:31,659 --> 00:09:34,700
但也希望抵御通胀侵蚀

282
00:09:34,700 --> 00:09:35,879
在支票账户里

283
00:09:35,879 --> 00:09:36,559
例如

284
00:09:36,559 --> 00:09:37,600
因此流动性强

285
00:09:37,600 --> 00:09:38,490
风险极低

286
00:09:38,490 --> 00:09:40,720
并且实际支付收益

287
00:09:40,720 --> 00:09:43,039
同时维持购买力

288
00:09:43,039 --> 00:09:43,879
你的peepee

289
00:09:43,879 --> 00:09:46,720
所以从egov你不会获得最大peepee

290
00:09:46,720 --> 00:09:51,000
但至少peepee能与cpi保持同步

291
00:09:51,000 --> 00:09:51,559
好的

292
00:09:51,559 --> 00:09:54,320
第五只ETF，代码self

293
00:09:54,320 --> 00:09:54,659
哦

294
00:09:54,659 --> 00:09:55,539
开玩笑的

295
00:09:55,539 --> 00:09:56,720
什么

296
00:09:57,200 --> 00:09:58,559
没有股票代码

297
00:09:58,559 --> 00:09:58,879
微妙的

298
00:09:58,879 --> 00:09:59,419
也许有

299
00:09:59,419 --> 00:10:02,479
但我们讨论的是你

300
00:10:02,479 --> 00:10:03,298
伙伴

301
00:10:03,298 --> 00:10:03,999
让我来画

302
00:10:03,999 --> 00:10:05,099
像我女儿那样等等

303
00:10:05,099 --> 00:10:07,029
她三岁半

304
00:10:07,029 --> 00:10:08,230
我说的就是你

305
00:10:08,230 --> 00:10:08,730
你们这些家伙

306
00:10:08,730 --> 00:10:10,309
这是最重要的层次

307
00:10:10,309 --> 00:10:11,830
也是最常被忽视的

308
00:10:11,830 --> 00:10:13,149
这不是股票代码

309
00:10:13,149 --> 00:10:15,440
这其实是投资自己

310
00:10:15,440 --> 00:10:16,720
我知道有点俗套

311
00:10:16,720 --> 00:10:17,960
我知道有点标题党

312
00:10:17,960 --> 00:10:18,820
但再说一次

313
00:10:18,820 --> 00:10:20,240
这不是股票代码

314
00:10:20,240 --> 00:10:22,529
这是你和我不会给你

315
00:10:22,529 --> 00:10:22,809
你知道的

316
00:10:22,809 --> 00:10:23,490
托尼·罗宾斯

317
00:10:23,490 --> 00:10:25,730
关于相信自己的励志演讲

318
00:10:25,730 --> 00:10:27,230
我只告诉你我的故事

319
00:10:27,230 --> 00:10:27,690
好的

320
00:10:27,690 --> 00:10:30,450
我于2017年11月创建了这个频道

321
00:10:30,450 --> 00:10:32,169
我买了这块白板

322
00:10:32,169 --> 00:10:33,169
从Craigslist上买的

323
00:10:33,169 --> 00:10:33,809
我妹夫

324
00:10:33,809 --> 00:10:36,210
我和他把它放在他那辆Outback的车顶

325
00:10:36,210 --> 00:10:36,889
嗯在

326
00:10:36,889 --> 00:10:38,059
比如我不知道

327
00:10:38,059 --> 00:10:39,200
十月和克利夫兰

328
00:10:39,200 --> 00:10:39,600
我们俩

329
00:10:39,600 --> 00:10:40,000
你知道的

330
00:10:40,000 --> 00:10:41,320
基本上双手冻伤了

331
00:10:41,320 --> 00:10:42,759
只是举着它一路带回我家

332
00:10:42,759 --> 00:10:44,720
因为放不进后备箱

333
00:10:44,720 --> 00:10:45,879
这其实是一块很大的白板

334
00:10:45,879 --> 00:10:48,078
它实际延伸到这里

335
00:10:48,078 --> 00:10:48,818
所以总之

336
00:10:48,818 --> 00:10:50,119
我想说的是

337
00:10:50,119 --> 00:10:50,318
就是

338
00:10:50,318 --> 00:10:52,799
你需要找到自己热爱的事

339
00:10:52,799 --> 00:10:55,960
我一直想成为理财顾问或规划师

340
00:10:55,960 --> 00:10:57,399
我从未实现过这个愿望

341
00:10:57,399 --> 00:10:59,240
这就是我最初读金融的原因

342
00:10:59,240 --> 00:10:59,519
好的

343
00:10:59,519 --> 00:11:01,179
这发生在2010年12月

344
00:11:01,179 --> 00:11:05,100
我毕业时正值史上最严重的失业率之一

345
00:11:05,100 --> 00:11:06,629
我不得不卖车

346
00:11:06,629 --> 00:11:09,230
我从未实现成为理财顾问的愿望

347
00:11:09,230 --> 00:11:10,099
所以我做了什么

348
00:11:10,099 --> 00:11:11,339
我买了这块白板

349
00:11:11,339 --> 00:11:12,938
我拿了一台不用的相机

350
00:11:12,938 --> 00:11:15,158
我以为我要以摄影作为爱好

351
00:11:15,158 --> 00:11:15,619
你知道的

352
00:11:15,619 --> 00:11:16,558
给妻子拍照

353
00:11:16,558 --> 00:11:17,379
之类的事情

354
00:11:17,379 --> 00:11:18,539
那个相机一直积灰

355
00:11:18,539 --> 00:11:19,059
所以我喊道

356
00:11:19,059 --> 00:11:20,159
我有了台好相机

357
00:11:20,159 --> 00:11:21,200
还有一块白板

358
00:11:21,200 --> 00:11:22,240
我们开始教学吧

359
00:11:22,240 --> 00:11:24,860
于是我于2017年11月创立了白板财经

360
00:11:24,860 --> 00:11:27,159
大约一年半时间

361
00:11:27,159 --> 00:11:28,320
没赚到一分钱

362
00:11:28,320 --> 00:11:28,600
好吧

363
00:11:28,600 --> 00:11:31,850
这甚至不是我的目标 只是想当作创意出口玩玩

364
00:11:31,850 --> 00:11:35,629
但最终在2019年四月或五月左右

365
00:11:35,629 --> 00:11:37,149
我实现了全职

366
00:11:37,149 --> 00:11:39,500
从那时起我就在YouTube全职了

367
00:11:39,500 --> 00:11:40,480
这是不是很辛苦

368
00:11:40,480 --> 00:11:40,779
是的

369
00:11:40,779 --> 00:11:41,980
社交媒体真讨厌

370
00:11:41,980 --> 00:11:42,259
是的

371
00:11:42,259 --> 00:11:43,600
我讨厌拍YouTube视频吗

372
00:11:43,600 --> 00:11:44,279
有点

373
00:11:44,279 --> 00:11:45,980
所以我尽量玩得开心些

374
00:11:45,980 --> 00:11:47,539
但你需要投资自己

375
00:11:47,539 --> 00:11:48,519
我之所以告诉你

376
00:11:48,519 --> 00:11:51,159
我的故事是为了激励你采取行动

377
00:11:51,159 --> 00:11:52,690
找到你的专属领域

378
00:11:52,690 --> 00:11:54,889
我一直对个人理财充满热情

379
00:11:54,889 --> 00:11:57,360
我甚至可能考虑回去做

380
00:11:57,360 --> 00:11:58,059
不是回去

381
00:11:58,059 --> 00:12:01,440
但回归最初成为理财师的目标

382
00:12:01,440 --> 00:12:03,179
成为综合理财师

383
00:12:03,179 --> 00:12:03,580
嗯

384
00:12:03,580 --> 00:12:05,589
但这个YouTube频道帮助了我

385
00:12:05,589 --> 00:12:07,100
多年缓解了这种渴望

386
00:12:07,100 --> 00:12:08,840
我自己也做得不错

387
00:12:08,840 --> 00:12:09,259
谢天谢地

388
00:12:09,259 --> 00:12:10,379
我非常幸运

389
00:12:10,379 --> 00:12:13,500
也感谢这么多年一直观看我

390
00:12:13,500 --> 00:12:14,820
所以感谢所有支持

391
00:12:14,820 --> 00:12:18,039
我要重申这不是ETF

392
00:12:18,039 --> 00:12:20,389
你需要找到热爱的事

393
00:12:20,389 --> 00:12:22,649
尤其是对本职工作不满时

394
00:12:22,649 --> 00:12:22,909
好吧

395
00:12:22,909 --> 00:12:24,429
视频结尾我的想法

396
00:12:24,429 --> 00:12:25,009
一如既往

397
00:12:25,009 --> 00:12:26,318
像朋友一样和你聊天

398
00:12:26,318 --> 00:12:28,399
回想我刚开始投资时

399
00:12:28,399 --> 00:12:30,789
问题不在于选了差股票

400
00:12:30,789 --> 00:12:31,230
嗯

401
00:12:31,230 --> 00:12:33,269
尽管我又开始挑选个股

402
00:12:33,269 --> 00:12:34,149
我当时十八岁

403
00:12:34,149 --> 00:12:35,210
完全不知道自己在做什么

404
00:12:35,210 --> 00:12:36,090
问题在于

405
00:12:36,090 --> 00:12:37,309
我没有系统方法

406
00:12:37,309 --> 00:12:42,039
我只是用高中和大学里不多的钱在赌博

407
00:12:42,039 --> 00:12:44,480
所以我只是盲目投入资金而不理解

408
00:12:44,480 --> 00:12:46,940
如果你看看这五只最佳ETF

409
00:12:46,940 --> 00:12:47,620
其实四只

410
00:12:47,620 --> 00:12:48,568
在此案例中

411
00:12:48,568 --> 00:12:51,448
我要教你们如何分散投资

412
00:12:51,448 --> 00:12:56,210
以较广泛的权益类资产为主，搭配少量现金

413
00:12:56,210 --> 00:12:57,490
我们没涉及债券

414
00:12:57,490 --> 00:12:59,129
我们没涉及行业

415
00:12:59,129 --> 00:13:02,080
我们没涉及价值投资倾向

416
00:13:02,080 --> 00:13:03,039
或小盘价值股

417
00:13:03,039 --> 00:13:03,940
或类似策略

418
00:13:03,940 --> 00:13:05,440
这是一个非常简单的视频

419
00:13:05,440 --> 00:13:06,539
只为入门指导

420
00:13:06,539 --> 00:13:06,960
好的

421
00:13:06,960 --> 00:13:08,679
如果你没有证券账户

422
00:13:08,679 --> 00:13:10,759
扫码查看这里

423
00:13:10,759 --> 00:13:12,960
另外我要讲的两点

424
00:13:12,960 --> 00:13:14,419
每次视频结尾

425
00:13:14,419 --> 00:13:16,620
如果你想获取免费的财务规划表格

426
00:13:16,620 --> 00:13:19,059
帮助你理清财务状况

427
00:13:19,059 --> 00:13:20,440
完全免费

428
00:13:20,440 --> 00:13:22,259
这是我的七日路线图

429
00:13:22,259 --> 00:13:23,100
嗯再说

430
00:13:23,100 --> 00:13:25,240
这只是建立邮件列表的诱饵

431
00:13:25,240 --> 00:13:26,179
这就是我的目的

432
00:13:26,179 --> 00:13:26,419
好的

433
00:13:26,419 --> 00:13:27,399
世上没有免费午餐

434
00:13:27,399 --> 00:13:28,589
但确实是免费的

435
00:13:28,589 --> 00:13:30,149
这里有对应的二维码

436
00:13:30,149 --> 00:13:32,788
然后访问whiteboardfinanuniversity.com

437
00:13:32,788 --> 00:13:36,818
如果你想每周四下午五点与我直播

438
00:13:36,818 --> 00:13:38,399
想看我买卖操作

439
00:13:38,399 --> 00:13:40,859
想看我所有操作

440
00:13:40,859 --> 00:13:41,669
嗯嗯

441
00:13:41,669 --> 00:13:42,389
我们有聊天室

442
00:13:42,389 --> 00:13:42,909
我们有课程

443
00:13:42,909 --> 00:13:44,230
里面有很多内容

444
00:13:44,230 --> 00:13:45,549
我推销得不好

445
00:13:45,549 --> 00:13:46,830
因为我不是销售

446
00:13:46,830 --> 00:13:48,830
访问whiteboardfinanuniversity.com

447
00:13:48,830 --> 00:13:51,068
或扫描此处二维码

448
00:13:51,068 --> 00:13:51,708
好了各位

449
00:13:51,708 --> 00:13:53,349
希望这个视频对你有帮助

450
00:13:53,349 --> 00:13:55,389
很多人对他们了解这些

451
00:13:55,389 --> 00:13:55,708
呃

452
00:13:55,708 --> 00:13:57,849
我们之前提到的四个etf

453
00:13:57,849 --> 00:13:58,679
VT这只基金

454
00:13:58,679 --> 00:13:59,320
标普etf

455
00:13:59,320 --> 00:14:02,940
五百etf和收入成分中的股息部分

456
00:14:02,940 --> 00:14:06,408
但你要意识到很多人仍然在学习

457
00:14:06,408 --> 00:14:09,308
这就是为什么我要制作这些视频帮助年轻人

458
00:14:09,308 --> 00:14:10,870
他们可能或可能不了解自己在做什么

459
00:14:10,870 --> 00:14:11,789
非常感谢

460
00:14:11,789 --> 00:14:14,830
请分享给十二万朋友并点赞

461
00:14:14,830 --> 00:14:15,850
开启通知提醒

462
00:14:15,850 --> 00:14:17,289
做好所有网红该做的事

463
00:14:17,289 --> 00:14:17,860
你知道的

464
00:14:17,860 --> 00:14:18,899
三十八岁

465
00:14:18,899 --> 00:14:19,299
简直不敢相信

466
00:14:19,299 --> 00:14:20,779
我必须说

467
00:14:20,779 --> 00:14:22,279
我厌倦了youtube

468
00:14:22,279 --> 00:14:22,840
兄弟

469
00:14:22,840 --> 00:14:23,419
好的

470
00:14:23,419 --> 00:14:23,639
各位

471
00:14:23,639 --> 00:14:26,159
非常感谢并祝大家财源广进

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