00:00
If your portfolio has more ETFs than your fridge has condiments, yeah, you might be over complicating this.
如果你的投資組合裡的 ETF 數量比你冰箱裡的調味料還多，是的，你可能把事情搞得太複雜了。
00:09
People think building wealth means owning a piece of everything.
人們以為累積財富就是什麼都要持有一點。
00:12
But what if it's actually the opposite?
但如果是剛好相反呢？
00:15
In 2025, the smartest portfolio might not be the one with 20 moving parts.
到了 2025 年，最聰明的投資組合可能不是那種有 20 個零件的。
00:20
It might be the one with three ETFs.
而是只有 3 檔 ETF 的那種。
00:23
One to anchor your money, one to accelerate your growth, and one to pay you while you wait.
一檔用來錨定你的資金，一檔用來加速成長，還有一檔在你等待時付錢給你。
00:31
In this video, I'm going to show you how to build a powerful three ETF portfolio
在這支影片中，我將展示如何打造一個強大的 3 檔 ETF 投資組合。
00:34
that anyone can start even with just $10,000.
任何人都可以開始，即使只有 1 萬美元。
00:38
We'll track how that money grows over 1, 10, 20, and 30 years.
我們會追蹤這筆錢在 1 年、10 年、20 年和 30 年後的成長狀況。
00:45
And in the end, I'll combine all three ETFs into a single portfolio that can turn a
最後，我會把這 3 檔 ETF 合併成一個單一的投資組合，它可以將每天 10 美元的投資變成百萬美元的資產。
00:48
daily $10 investment into a milliondoll portfolio.
但首先，讓我們先設定背景並解釋為什麼這很重要。
00:53
But first, let's set the stage and explain why this matters.
根據聯準會的資料，美國家庭的平均退休儲蓄大約是。
00:57
According to the Federal Reserve, the average retirement savings for American families is about
33 萬 4 千美元。
01:04
$334,000.
這是經過數十年工作、儲蓄和投資後的總額。
01:06
That is total after decades of working, saving, and investing.
但重點來了。
01:12
But here's the thing.
如果你只是遵循我稍後將展示的 3 檔 ETF 投資組合策略。
01:12
If you simply follow the three ETF portfolio strategy that I'll be showing you in a couple of
每天投入 10 美元，將股息再投資，並保持紀律，你的投資組合在 30 年後可能會成長到。
01:17
minutes, putting in $10 a day, reinvesting dividends, and staying consistent, your portfolio could grow to
超過 115 萬美元。
01:24
over $1.15 million in 30 years.
這不僅是超越平均值，而是它的三倍。
01:29
That's not just beating the average, that's tripling it.
翻譯中...
01:33
The idea of building wealth with just three ETFs comes from one of the most proven strategies out there,
只用三支 ETF 就能累積財富的想法，源自於一套經過實證的策略，
01:39
the three fund portfolio.
即「三基金投資組合」。
01:43
It was popularized by the Bogleheads, a community of investors who follow the
這是由 Bogleheads 推廣開來的，他們是一群遵循
01:46
simple powerful philosophy of Vanguard's founder, Jack Bogle.
先鋒集團創辦人 Jack Bogle 簡單而強大理念的投資者社群。
01:52
Their approach, own the entire market with just three funds, Total US stocks, total international
他們的做法是：只用三支基金就擁有整個市場——美國整體股市、國際整體股市，
01:58
stocks, and bonds.
以及債券。
02:02
It's clean, efficient, and built to last.
這套方法純淨、高效，且經得起時間考驗。
02:05
I'm taking that same core strategy and giving it a more modern twist, updated for the world
我將沿用同樣的核心策略，並賦予它更具現代感的詮釋，為我們當今
02:10
we live in now.
所處的世界進行更新。
02:11
But before you throw your money in, there are three rules you need to follow to make this strategy
但在投入資金之前，你必須遵守三條規則，才能讓這套策略
02:16
actually work.
真正發揮效用。
02:18
Rule one, pick just one ETF from each of the three categories we're going to talk about.
規則一：從我們即將討論的三個類別中，各只選一支 ETF。
02:26
Not two, not all, just one per category.
不是兩支，也不是全部，每個類別只選一支。
02:29
that keeps your portfolio clean, clear, and powerful.
這樣才能讓你的投資組合保持純淨、清晰且強大。
02:32
You don't need 20 different ETFs to win big.
你不需要二十支不同的 ETF 才能大賺一筆。
02:36
Just three solid ones, each doing a different job.
只要三支穩固的 ETF，各自執行不同的任務就夠了。
02:41
Rule two, know your goal.
規則二：了解你的目標。
02:42
The whole strategy only makes sense if it matches your timeline and comfort with risk.
整套策略只有在符合你的投資期限與風險承受度時，才有意義。
02:47
If you're in your 20s or 30s with decades ahead of you, your portfolio might lean heavier on
如果你正值二十或三十多歲，還有幾十年的投資時間，你的投資組合或許可以
02:53
But if you're closer to retirement, you'll want more stability and income.
但如果你接近退休，你會需要更多的穩定性和收入。
02:57
Either way, your age and risk tolerance should guide your ETF picks and how long you stick with them.
無論哪種情況，你的年齡和風險承受度都應該引導你的 ETF 選擇以及你持有它們的時間。
03:03
Rule three, be consistent.
規則三，保持紀律。
03:07
The magic isn't just in picking the right funds.
魔法不僅僅在於選對基金。
03:09
It's in letting time do its thing.
更在於讓時間發揮作用。
03:13
That means holding on through the noise, reinvesting dividends, and not panicking
這意味著要在市場雜音中堅定持有、將股息再投資，並且在市場下跌時不要驚慌。
03:17
when the market dips.
當市場下跌時。
03:19
The longer you stay in, the more the compounding snowball grows.
你投入的時間越長，複利雪球就滾得越大。
03:23
Okay, so now let's break down the first category, the foundational ETF.
好，那麼現在讓我們來拆解第一類別：基礎型 ETF。
03:29
The one that anchors your portfolio no matter what the market throws at you.
無論市場如何波動，它都是你投資組合的錨。
03:34
Every solid portfolio needs a backbone, something reliable, something you can count on through
每個穩固的投資組合都需要一個支柱，一個可靠的、讓你在衰退、
03:38
recessions, market bubbles, and whatever chaos the news is yelling about.
市場泡沫以及新聞大肆渲染的各種混亂中都能依賴的東西。
03:45
That's what this ETF is for.
這就是這款 ETF 的用途。
03:46
I call it your foundational ETF.
我稱之為你的基礎型 ETF。
03:49
And this should be your exposure to the total US stock market.
這應該是你投資美國整體股市的部位。
03:52
Because instead of betting on one company or even one sector, you're betting on the entire American
因為你不是在押注一家公司甚至一個產業，而是在押注整個美國
03:59
When the US grows, so does your money.
當美國成長，你的錢也會跟著成長。
04:02
And history shows that it works.
而歷史證明這確實有效。
04:03
Over the long term, the total market has delivered strong, consistent returns.
長期來看，整體市場提供了強勁且穩定的回報。
04:08
Even with the occasional crisis or crash, whether it's 2008, 2020, or the dot burst, these total market ETFs
即使偶爾發生危機或崩盤，無論是 2008 年、2020 年或網路泡沫破滅，這些整體市場 ETF
04:17
bounce back.
都會反彈。
04:18
You just need time.
你只需要時間。
04:21
Now, sure, there are tons of total market funds.
當然，市面上有許多整體市場基金。
04:23
Some follow the S&P 500.
有些追蹤 S&P 500。
04:26
Others track the entire US stock market with thousands of companies.
有些則追蹤包含數千家公司的整個美國股市。
04:30
The idea is the same.
其理念是相同的。
04:31
Ride the wave of the American economy without having to pick individual winners.
搭上美國經濟的順風車，而無需挑選個別的贏家。
04:37
Think of it as a giant basket of stocks.
把它想像成一個巨大的股票籃子。
04:39
So, when tech is down, healthcare might be up.
所以，當科技股下跌時，醫療股可能上漲。
04:43
When retail stumbles, energy could carry the weight.
當零售業步履蹣跚時，能源股可能扛起重任。
04:45
It balances itself out.
它會自我平衡。
04:49
The ETF I've chosen for this foundational category is the Invesco S&P 500
我為這個基礎類別選擇的 ETF 是 Invesco S&P 500
04:54
GRP ETF.
GRP ETF。
04:55
GRP stands for growth at a reasonable price.
GRP 代表以合理的價格成長（Growth at a Reasonable Price）。
05:01
Basically, this fund looks at the 500 biggest companies in the US and cherrypicks the ones that are
基本上，這檔基金會檢視美國 500 家最大的公司，並精選擺那些
05:06
growing fast and still reasonably priced.
成長快速且價格仍屬合理的公司。
05:10
That combo is rare.
這種組合很罕見。
05:13
Most funds either chase growth regardless of price or go super conservative.
大多數基金不是不計代價地追逐成長，就是採取極度保守的策略。
05:19
This one threads the needle.
這個策略精準地找到了平衡點。
05:20
It focuses on companies with healthy earnings growth, sustainable profitability, and smart
它專注於擁有健康盈利成長、可持續獲利能力以及合理估值的公司。
05:26
That's why it's more than just a mirror of the regular S&P 500.
這就是為什麼它不僅僅是標普500指數的複製品。
05:31
It actively filters out overpriced or underperforming names.
它會主動篩除那些定價過高或表現不佳的標的。
05:35
Okay, so let's talk names.
好的，那我們來談談具體的標的。
05:36
Yes, you'll find the classics like Microsoft, Apple, and Meta, but the GP strategy also tilts
是的，你會看到像微軟、蘋果和Meta這樣的經典企業，但這個策略也傾向於佈局那些
05:43
towards rising stars in sectors like healthcare, industrials, and consumer services that are often overlooked by
在醫療、工業和消費服務等領域中，經常被高調基金所忽略的
05:50
flashier funds.
新興之星。
05:52
That balance gives it long-term legs.
這種平衡賦予了它長期發展的動力。
05:55
And of course, the dividends don't hurt either.
當然，配息也是加分項。
05:58
Even though it's not a high yield ETF, the consistent dividend income when
雖然它不是高收益ETF，但持續的股息收入若
06:01
reinvested creates a compounding effect that seriously boosts your portfolio over time.
進行再投資，會產生複利效應，隨著時間推移顯著提升你的投資組合。
06:08
It has an average yield of 1.55% which on average grows about 11.1%.
它的平均殖利率為1.55%，且平均每年成長約11.1%。
06:14
And to top it off, over the last 10 years, on average, each year this ETF has grown by 11.28%.
更棒的是，過去10年間，這檔ETF平均每年成長11.28%。
06:22
Based on these metrics, let's say John puts $10,000 into this ETF today and reinvests the dividends he gets.
根據這些數據，假設約翰今天投入10,000美元到這檔ETF，並將收到的股息再投資。
06:32
After just one year, his portfolio would grow to
僅僅一年後，他的投資組合將成長至
06:35
$11,283.
11,283美元。
06:36
Fast forward 10 years and it'll be valued at $33,41.
快轉10年，其價值將達到33,410美元。（註：原文數字可能有誤，應為33,410）
06:41
Stretch it to 20 years and John's portfolio will be worth $11,294.
若延長至20年，約翰的投資組合價值將達到112,940美元。（註：原文數字可能有誤，應為112,940）
06:48
And by year 30, his initial $10,000 is projected to reach $369,950, paying around
到第30年時，他的初始10,000美元預計將達到369,950美元，每年支付約
06:58
$4,827 in annual dividend income.
4,827美元的股息收入。
07:03
Out of that, $317,955 would come just from capital
其中，317,955美元僅來自資本
07:06
appreciation and $41,995 would come from reinvested dividends.
增值，而41,995美元則來自再投資的股息。
07:13
So, the total value added to the initial investment would be $359,950.
因此，初始投資增加的總價值為359,950美元。
07:21
That's not just growth.
這不僅僅是增長。
07:25
That's smart growth built slowly, built safely, built to last.
這是聰明的增長，緩慢建立、安全建立、旨在長久。
07:28
Next up, I'll show you more ETF categories.
接下來，我將展示更多ETF類別。
07:33
And in the end, I'll combine all three ETFs into a single portfolio that could turn a daily
最後，我會將這三種ETF組合成一個單一投資組合，能將每天
07:37
$10 investment into a milliondoll portfolio.
10美元的投資變成百萬美元的投資組合。
07:42
But while this ETF anchors your wealth, it won't get you those explosive gains some investors crave.
但雖然這檔ETF是您財富的基石，但它無法提供某些投資者渴望的爆炸性獲利。
07:49
You know, the kind of growth that turns heads and builds wealth faster.
您知道的，那種引人注目並能更快累積財富的增長。
07:55
So, next, let's introduce the heavy hitter into our trio.
所以，接下來讓我們將強力武器引入我們的三人組合。
07:58
The second category is the international ETF.
第二類別是國際ETF。
08:02
Now that you've got your foundation set, let's talk about the second piece of the puzzle,
既然您已打好基礎，讓我們來談談拼圖的第二塊，
08:06
the one designed to put your portfolio on steroids.
那個旨在讓您的投資組合爆發性增長的一塊。
08:11
Traditionally, this is where financial adviserss would tell you to add some international exposure.
傳統上，理財顧問會告訴您在這裡增加一些國際曝險。
08:17
That used to make a lot of sense.
這在過去非常有道理。
08:19
You'd invest in companies from Europe, Asia, or emerging markets to spread your risk
您會投資來自歐洲、亞洲或新興市場的公司，以將風險分散
08:23
beyond the US.
到美國之外。
08:25
The logic?
邏輯是什麼？
08:26
Different countries perform differently at different times so you stay balanced.
不同國家在不同時期的表現各異，因此你需要保持平衡。
08:30
But here's the reality.
但現實情況是這樣的。
08:34
In 2025, many American companies are international.
在 2025 年，許多美國公司都是國際性的。
08:36
Apple sells iPhones in China.
蘋果在中國銷售 iPhone。
08:40
McDonald's flips burgers in Brazil.
麥當勞在巴西翻動漢堡。
08:42
Microsoft powers offices across Europe.
微軟為整個歐洲的辦公室提供動力。
08:45
So, if you're already investing in top US companies, you're indirectly getting
因此，如果你已經投資於頂尖的美國公司，
08:48
exposure to global markets.
你間接獲得了全球市場的曝險。
08:52
Anyway, that's why instead of spreading into a generic international ETF, I prefer to
總之，這就是為什麼與其分散投資於一般的國際 ETF，
08:56
pivot towards something with serious growth potential.
我更傾向於轉向具有巨大增長潛力的領域。
09:01
I'm talking about innovation, disruption, future focused companies that don't just participate in
我指的是創新、顛覆性、著眼於未來的公司，它們不僅參與經濟，
09:05
the economy, they shape it.
更塑造經濟。
09:10
And that's where Invesco QQQ Trust, ticker symbol QQQ, comes in.
這就是 Invesco QQQ Trust（股票代號 QQQ）的用武之地。
09:14
This ETF tracks the NASDAQ 100, which includes 100 of the largest non-financial companies listed
這檔 ETF 追蹤 Nasdaq 100 指數，其中包含在 Nasdaq 交易所上市的 100 家最大的非金融公司。
09:20
on the NASDAQ exchange.
136.
09:23
These are not your average value stocks.
這些不是你一般的價值型股票。
09:26
They're fast-moving, high- growth titans of tech, biotech, and communications.
它們是科技、生物科技和通訊領域中快速移動、高增長的巨頭。
09:34
QQQ is like stepping on the gas.
QQQ 就像踩下油門。
09:35
It doesn't try to be defensive or diversified across every sector.
它不試圖採取防禦姿態或分散投資於每個板塊。
09:39
It leans into what's growing, what's winning, and what's dominating our lives in real
它順應正在成長、正在勝出，以及即時主導我們生活的領域。
09:44
These companies build the tools we use, the networks we connect through, and the innovations we don't even know
這些公司打造我們使用的工具、我們賴以連接的網路，以及我們甚至還不知道
09:50
we need yet.
自己需要的創新。
09:52
And it's not just tech in the traditional sense.
而這不僅僅是傳統意義上的科技。
09:56
Inside QQQ, you'll find exposure to areas like semiconductors, cloud computing,
在 QQQ 中，你會發現對半導體、雲端運算、
10:00
e-commerce, AI, digital advertising, and even healthcare innovation.
電子商務、AI、數位廣告，甚至是醫療創新的曝險。
10:06
That kind of sector spread within the innovation world gives you powerful diversification
這種在創新世界中的產業分散，賦予了你強大的分散效果，
10:10
even inside a techtitled ETF.
即便是在一檔科技主題的 ETF 中也是如此。
10:15
Now, let's be clear, it's not for the faint-hearted.
現在，讓我們說清楚，它不適合心臟不夠強的人。
10:18
QQQ can swing more during market dips.
QQQ 在市場回檔時波動更大。
10:22
It's not as safe as our foundational ETF, but with risk comes reward, and over time, QQQ has
它不像我們的基礎型 ETF 那樣安全，但伴隨風險而來的是報酬，長期下來，QQQ 絕對
10:29
absolutely delivered.
有交出成績。
10:32
It has outperformed the broader market consistently over the last two decades.
在過去二十年中，它持續擊敗大盤。
10:36
Even after corrections and crashes, it has bounced back stronger than ever, largely because of the underlying
即便在回檔和崩盤之後，它也強勢反彈，很大程度上是因為其內部
10:42
strength of the companies inside.
公司的基本面強勁。
10:46
These aren't just speculative startups.
這些不只是投機性的新創公司。
10:47
They're profitable, dominant, and flush with cash.
它們獲利、具主導地位，且現金充沛。
10:51
In fact, QQQ's top holdings are often the very same companies that lead the charge out of recessions.
事實上，QQQ 的前幾大持股，往往是帶領經濟走出衰退的同一群公司。
10:59
While some funds sit on their hands waiting for a rebound, QQQ is often leading the
當某些基金還在觀望等待反彈時，QQQ 通常已經走在反彈的前端。
11:04
It pays a 61% dividend and those payouts grow around 10.3% each year.
它支付61%的股息，且這些支付每年增長約10.3%。
11:11
Even better, this ETF has averaged 16.36% growth every year for the last 10 years.
更棒的是，這檔ETF在過去10年平均每年增長16.36%。
11:18
So, here's how it plays out in real dollars.
以下是以實際美元價值的運作方式。
11:22
Let's say John puts $10,000 into QQQ today.
假設約翰今天將10,000美元投入QQQ。
11:27
After just one year, his portfolio would grow to $11,697.
僅僅一年後，他的投資組合將增長至11,697美元。
11:31
Fast forward 10 years and it'll be valued at $47,366.
快轉10年，其價值將達到47,366美元。
11:37
Stretch it to 20 years and John's portfolio will be worth $220,210.
延長至20年，約翰的投資組合價值將為220,210美元。
11:43
And by year 30, his initial $10,000 is projected to reach $1,13,614.
到了第30年，他最初的10,000美元預計將達到1,136,140美元。
11:53
Out of that, $994,266 would come just from capital appreciation and
其中，994,266美元來自資本增值，
11:59
$9,348 would come from reinvested dividends.
9,348美元來自股息再投資。
12:03
So the total value added to the initial investment would be $1,3,614.
因此，相對於初始投資所增加的總價值為1,136,140美元。
12:10
That's what happens when you give growth the time to do its thing.
這就是給予成長時間發揮作用時所發生的事。
12:16
So, while the foundational ETF is like the reliable sedan that gets you safely from point A
所以，基礎型ETF就像是可靠的轎車，能安全地將您從A點載到B點，
12:21
to point B, QQQ is the turbocharged sports car.
而QQQ則是渦輪增壓的跑車。
12:27
Yes, it can be a much bumpier ride, but it can fly.
是的，它的旅程可能顛簸得多，但它能飛馳。
12:32
And that's exactly what this category in your portfolio is all about.
這正是您投資組合中這類資產的宗旨。
12:36
You need something with enough power to accelerate your returns over time.
您需要具備足夠動力的工具，來隨著時間推移加速您的回報。
12:42
That way, your total performance can outpace inflation.
這樣一來，您的總體表現才能跑贏通貨膨脹。
12:45
Now, if you only had these two ETFs, the foundational one and QQQ, you'd already be in a strong position.
現在，如果您只擁有這兩檔ETF——基礎型和QQQ，您的處境已經相當穩固。
12:51
But we're not done.
但我們還沒完成。
12:54
There's one more category left, the final layer that brings in income, adds stability, and
還剩下一個類別，這是最後一層，它能帶來收入、增加穩定性，
12:59
makes your portfolio more bulletproof.
讓你的投資組合更加無懈可擊。
13:02
The third category is a bond total market index fund.
第三類是債券總市場指數基金。
13:08
You've got your reliable base.
你已經有了可靠的基礎。
13:10
You've got your rocket fueled growth.
你已經有了火箭燃料般的成長。
13:12
Now, it's time to add the final layer, one that brings balance, consistency, and real cash flow.
現在，是時候加入最後一層，這一層能帶來平衡、一致性以及真正的現金流。
13:18
Traditionally, this third category would be filled by a bond ETF that made sense for decades.
傳統上，這第三類是由債券 ETF 填補的，這在過去幾十年來都很合理。
13:25
Bonds were the go-to option for income and safety, especially for older investors or those approaching
債券曾是追求收入和安全性的首選，特別是對於年長或即將
13:31
retirement.
退休的投資者。
13:32
But let's be honest, bond returns today just don't cut it.
但老實說，如今的債券報酬率根本不夠看。
13:37
With interest rates playing a game of limbo and inflation eating away at purchasing
在利率玩著極限遊戲、通膨侵蝕購買力的情況下，
13:41
power, bonds have become more like a speed bump than a wealth builder.
債券已變得更像是減速帶，而非財富的建造者。
13:48
So, here's the shift.
所以，這裡有個轉變。
13:48
Don't use bonds in this portfolio.
不要在這個投資組合中使用債券。
13:51
Use dividend focused ETFs instead.
改用以股息為重點的 ETF。
13:54
And the one I trust most is the Schwab US Dividend Equity ETF or SCHD.
而我最信任的是嘉信美國股息股票 ETF（Schwab US Dividend Equity ETF），代號 SCHD。
14:01
This ETF is like the wise old investor in the room.
這支 ETF 就像是房間裡那位睿智的資深投資者。
14:05
It's not flashy.
它不華麗。
14:05
It's not chasing hype, but it consistently delivers solid dividends from rock steady cashrich companies that
它不追逐熱潮，但能持續從穩固、現金充裕的公司那裡支付優渥的股息。
14:12
have stood the test of time.
經得起時間考驗。
14:15
Why choose this over bonds?
為什麼選擇這個而不是債券？
14:16
Well, let's compare for a second.
嗯，讓我們來比較一下。
14:18
When you buy a bond, you're basically lending money to the government or a company.
當你買債券時，基本上是借錢給政府或公司。
14:23
They pay you interest, but that interest rate is usually fixed.
他們付你利息，但利率通常是固定的。
14:26
And these days, pretty low.
而且這些日子，利率相當低。
14:27
Plus, bond prices can actually fall when interest rates go up, which means you can lose money and get paid less.
此外，當利率上升時，債券價格實際上會下跌，這意味著你可能會虧損且收到的利息更少。
14:35
Not ideal.
這並不理想。
14:36
But when you invest in SCHD, you're becoming part owner in real businesses that generate profits, share
但當你投資 SCHD 時，你成為能獲利的真實企業的部分所有者，
14:43
those profits with you, and increase those payouts over time.
這些企業會與你分享利潤，並隨著時間增加這些配息。
14:48
That means not only do you get income, you also get growth.
這意味著你不僅能獲得收益，還能獲得成長。
14:51
Try finding that combo in a bond.
試著在債券中找到這種組合。
14:54
Now, someone might argue, "But dividends aren't guaranteed either." That's true.
現在，有人可能會說：「但股息也不是保證的。」這沒錯。
14:59
But the companies inside are chosen specifically because they have strong balance sheets, a track
但其中的公司是經過精挑細選的，因為它們擁有強勁的資產負債表、
15:04
record of consistent dividends, and the ability to raise payouts even in tough markets.
穩定配息的紀錄，以及即使在景氣不佳時也能提高配息的能力。
15:10
It's one of the most selective dividend ETFs out there.
這是市面上最精選的股息 ETF 之一。
15:15
Another plus is that SCHD isn't concentrated in just one sector.
另一個優點是 SCHD 並非集中在單一產業。
15:18
It's diversified across consumer staples healthcare industrials and financials.
它分散投資於消費必需品、醫療保健、工業和金融業。
15:24
That spreads your risk and smooths your returns.
這能分散你的風險並平滑你的報酬。
15:28
When tech takes a hit, your dividend ETF probably won't flinch much.
當科技股受挫時，你的股息 ETF 可能不會受到太大影響。
15:33
It has a dividend yield of 3.99%, which on average grows about 11.3%.
它的股息殖利率為 3.99%，平均每年成長約 11.3%。
15:39
And over the last 10 years, on average, each year, this ETF has grown by 7%.
過去 10 年，這支 ETF 平均每年成長 7%。
15:44
Let's put that into perspective.
讓我們來看看這代表什麼。
15:47
Let's say John puts $10,000 into SCHD today and reinvests every single dividend he gets.
假設約翰今天投入 10,000 美元到 SCHD，並將收到的每一筆股息都進行再投資。
15:56
After just one year, his portfolio would grow to $11,999.
僅僅一年後，他的投資組合就會成長到 11,999 美元。
16:00
Fast forward 10 years, and it'll be valued at $30,662.
快轉 10 年，其價值將達到 30,662 美元。
16:05
In 20 years, John's portfolio will be worth $117,692.
20 年後，約翰的投資組合價值將為 117,692 美元。
16:12
And by year 30, his initial $10,000 is projected to reach $630,59, paying around
到第 30 年，他最初的 10,000 美元預計將達到 630,59 美元，支付約
16:22
$70,715 in annual dividend income or about $5,893 in monthly dividend income.
70,715 美元的年股息收入，或約 5,893 美元的月股息收入。
16:33
Out of that, $243,29 would come just from capital
其中，243,29 美元僅來自資本
16:36
appreciation and $377,30 would come from reinvested dividends.
增值，而 377,30 美元則來自再投資的股息。
16:43
So, the total value added to the initial investment would be $620,59.
因此，總共加到初始投資的價值為 620,59 美元。
16:49
That's the beauty of replacing bonds with dividend stocks.
這就是用股息股票取代債券的美妙之處。
16:54
You're not just getting paid, you're building wealth at the same time.
你不僅能獲得收入，還能同時累積財富。
16:59
Compare that to a bond fund where your $10,000 might grow to maybe 20,000 or 30,000 over 30
將其與債券基金比較，你的 10,000 美元在 30 年後可能只成長到 20,000 或 30,000 美元，
17:04
years with far lower income and almost no reinvestment engine.
收入低得多，而且幾乎沒有再投資的引擎。
17:11
SCD blows that out of the water, plain and simple.
SCD 輕而易舉地超越了它，非常清楚簡單。
17:16
This category is all about financial peace of mind.
這類別完全是為了財務上的安心。
17:17
It's the sleep well at night section of your portfolio.
它是你投資組合中能讓你高枕無憂的部分。
17:23
And in volatile years or when growth stalls, having a steady stream of cash coming in
在波動劇烈的年份或成長停滯時，有穩定的現金流流入
17:26
can help you stay invested when others panic.
能幫助你在他人恐慌時保持投資。
17:29
So now you've got your foundation with the total market, your growth with QQQ, and your income and resilience with
所以，現在你已經用大盤型 ETF 打好基礎，用 QQQ 來追求成長，並用 SCHD 來獲取收入與韌性。
17:38
You don't have to choose between them because the final piece of this strategy is how you combine them all
你不必三選一，因為這個策略的最後一環是如何將這三者結合起來，
17:46
three into one unified compounding machine.
讓它們成為一部統一的複利機器。
17:51
So how do I balance all three of these ETFs?
那麼，我該如何平衡這三檔 ETF 呢？
17:57
I give them equal weight.
我給予它們相等的權重。
17:58
1/3 in the foundational ETF, 1/3 in the growth focused QQQ, and 1/3 in the incomegenerating SCHD.
基礎型 ETF 投入 1/3，聚焦成長的 QQQ 投入 1/3，產生收益的 SCHD 投入 1/3。
18:07
You can have different percentage allocations, but for the sake of keeping things simple,
你可以有不同的配置比例，但為了保持簡單，
18:11
I'm using equal contributions across all three funds.
我在這三檔基金中使用均等的投入。
18:15
That way, my portfolio is diversified across stability, growth, and income.
這樣一來，我的投資組合便能分散在穩定性、成長性和收益性上。
18:20
Each ETF plays a unique role, and together, they form a strategy that's both aggressive and grounded.
每檔 ETF 都扮演獨特的角色，它們共同組成了一套既積極又穩健的策略。
18:26
Perfect for long-term wealth building without the guesswork.
非常適合長期累積財富，且無需猜測市場。
18:32
Let's say John builds this portfolio by putting $10,000 into each of the three ETFs, GRP, QQQ,
假設約翰建立這個投資組合，在三檔 ETF（GRP、QQQ 和 SCD）中各投入 1 萬美元，
18:38
and SCD, and reinvests every single dividend.
並將每一筆股息都進行再投資。
18:42
After just one year, his total portfolio would grow to $11,360.
僅僅一年後，他的整體投資組合就會增長到 11,360 美元。
18:48
Fast forward 10 years, and it would be valued at $35,597.
快轉 10 年，其價值將達到 35,597 美元。
18:52
Give it 10 more years and in 20 years, John's portfolio will be worth $125,325.
再過 10 年，在 20 年後，約翰的投資組合價值將達到 125,325 美元。
19:01
And by year 30, his initial $10,000 is projected to reach $436,690, paying around
到了第 30 年，他最初的 1 萬美元預計將達到 436,690 美元，並支付約
19:11
$6,549 in annual dividend income.
每年股息收入 6,549 美元。
19:16
Out of that, $369,84 would come just from capital
其中，369.84 美元僅來自資本增值，
19:19
appreciation and $56,886 would come from reinvested dividends.
而 56,886 美元則來自再投資的股息。
19:26
So the total value added to the initial investment would be $426,690.
因此，對初始投資增加的總價值為 426,690 美元。
19:33
Now, let's say you don't have $10,000 to invest in each of these ETFs.
現在，假設你沒有 10,000 美元可以投資每一檔 ETF。
19:38
Let's say you or John invest just $10 a day.
假設你或約翰每天只投資 10 美元。
19:42
No big lump sum, just a daily habit.
沒有大筆的一次性投入，只是一個每天的習慣。
19:45
In one year, you've put in about $3,640.
一年內，你投入了約 3,640 美元。
19:49
This sets the stage for future growth.
這為未來的增長奠定了基礎。
19:53
Fast forward 10 years, and that small habit turns into $68,766.
快轉 10 年，這個小習慣變成了 68,766 美元。
19:58
By 20 years, you're looking at $310,56.
到了 20 年，你將看到 310,560 美元。
20:05
And after 30 years, over $1.15 million from just 10 bucks a day.
30 年後，僅僅每天 10 美元就超過 115 萬美元。
20:12
By year 30, it's paying you $17,177 a year in dividends, around
到第 30 年，它每年支付你 17,177 美元的股息，大約
20:20
$1,431 every month passively.
每月被動收入 1,431 美元。
20:24
Most of that growth came from capital appreciation about
大部分的增長來自資本增值，約
20:28
$92,897, and another $137,992 from reinvested dividends.
92,897 美元，以及另外 137,992 美元來自再投資的股息。
20:37
Of course, this isn't a onesizefits-all plan.
當然，這不是一套適用於所有人的方案。
20:40
Remember rule two, it all depends on you.
記住第二條規則，一切都取決於你自己。
20:43
If you're younger and have time, maybe you can lean a bit more into QQQ to supercharge your
如果你還年輕且有時間，也許你可以稍微偏向 QQQ，以加速你的
20:50
If you're closer to retirement, you might tilt toward SCD for income and lower volatility.
如果你接近退休，或許可以偏向配置短期債券ETF（SCD）以獲取收益並降低波動性。
20:57
The key is in knowing your goal and adjusting the mix accordingly.
關鍵在於了解你的目標，並相應地調整配置組合。
21:02
But here's the real takeaway.
但這裡有一個真正的重點。
21:04
Whether you want to get rich slowly, fast, or somewhere in between, the path is clearer than you think.
無論你是想慢慢致富、快速致富，還是介於兩者之間，這條路徑都比你想像的更清晰。
21:12
It's not about having the most complex portfolio, or finding the next unicorn
重點不在於擁有最複雜的投資組合，也不在於尋找下一檔獨角獸股票。
21:16
It's about having a system that actually works.
重點在於擁有一套真正有效的系統。
21:20
That's what this three ETF setup gives you.
這正是這套三ETF配置能帶給你的。
21:23
Don't have the initial $10,000?
沒有最初的10,000美元嗎？
21:26
Click the video on the screen to find out how to make $6,000 a month with only $20 per week.
點擊螢幕上的影片，瞭解如何每週只需20美元，就能每月賺取6,000美元。
