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here's the absolute three best ETFs for firsttime investors I know it might be complicated or stressful to invest in
這是我認為對初次投資者來說絕對最好的三檔 ETF
00:08
the stock market especially if it's your first time you might be watching a stock go up or go down not knowing when to buy
我知道投資股市可能會很複雜或有壓力，尤其是第一次投資時，你可能會看著一檔股票上漲或下跌，卻不知道何時該買
00:15
or sell or even wondering which Investments are the best to make the highest returns possible with your money
或賣，甚至在思考該投資哪些標的才能讓你的錢獲得最高的報酬
00:23
now what I do is invest in purely ETFs or only ETFs where I have my own ETF portfolio of well over
現在我所做的就是純粹投資 ETF，或者說只投資 ETF，我自己擁有的 ETF 投資組合總額已遠超過
00:31
$100,000 invested in ETFs ETFs are short for exchange traded fund and it's a type of investment fund
10 萬美元。ETF 是指指數股票型基金，它是一種可以在證券交易所像股票一樣
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that can be bought and sold like a stock on a stock exchange the benefits of an ETF is that it mitigates your risk
買賣的投資基金。ETF 的好處在於它能降低你的風險
00:49
because you have diversification since you typically have hundreds of stocks in the ETF and you aren't bending on a
因為你擁有分散投資，通常一檔 ETF 中包含數百檔股票，你不必只押注在
00:56
single stocks performance to go to the moon but rather you do have hundreds of stocks so hopefully the majority of
一檔股票的表現能否一飛沖天，而是持有數百檔股票，所以希望其中大多數
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those companies will go up and be long-term winners over time so in this video I'm going to give you three
的公司會隨時間上漲並成為長期的贏家。因此在這支影片中，我將提供你三種
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different categories of ETFs to own that provide dividends for those lowrisk investors or investors who want cash
不同類型的 ETF 供持有，分別提供股息給低風險投資者或想要現金流的投資者、
01:17
flow in their portfolio diversification in Market matching returns for those investors who want just peace of mind
投資組合分散與市場持平報酬給那些只求安心的投資者、以及市場上可能的最高報酬給那些超高風險投資者，他們只想打敗
01:25
and the highest returns possible in the market for those Ultra higher risk investors who just want to beat the
市場或 S&P 500 指數。談到 ETF 投資，我有四條黃金法則。第一是任何類別的 ETF 不要選超過
01:31
market or the S&P 500 when it comes to ETF investing I do have four golden rules the first is to pick no more than
兩檔。原因是這樣能讓你的投資組合更簡單、更容易管理，同時也讓你
01:40
two ETFs for any category the reason why is it makes your portfolio way more simpler easier to manage as well as less
作為投資者壓力更小。第二條法則是始終保持一致性，並以定期定額的方式投入你的
01:48
stressful for you as an investor the second rule is to always be consistent and dollar cost average into your
投資組合。定期定額投資（DCA）是一種投資策略，涉及定期投資一筆固定
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portfolio dollar cost averaging or short for DCA is an investment strategy that involves regularly investing a set
金額，而不論證券的價格如何。其目標是為了降低價格波動以及
02:03
amount of money regardless of the price of a security the goal is to reduce price volatility as well as to lower
降低你所持有的任何 ETF 的成本基礎，最終定期定額投資看起來會像這樣，你持續
02:10
your cost basis on whatever ETF that you own and ultimately dark averaging look something like this where you're
買進一檔 ETF，不管股價是漲是跌，或者華爾街發生了什麼新聞。假設
02:19
consistently buying an ETF no matter if the stock price went up or went down or whatever news hit Wall Street let's say
你在未來 35 年每個月定期定額投資 300 美元，以 10% 的報酬率計算，你最終將會累積總共
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you DCA something like $300 per month for the next 35 years at a 10% rate of return you'll end up with a total
你每月定期定額投資 300 美元，持續 35 年，以 10% 的年化報酬率計算，最終將累積總共
02:34
balance of over $1.1 million bump that investment up to double of $600 per month and you're
餘額超過 110 萬美元，將每月 600 美元的投資翻倍，你將看到總餘額遠超過 220 萬美元。所以現在你明白為什麼
02:42
looking at a total balance of well over $2.2 million so now you see why being
保持紀律以及定期定額（DCA）如此強大，特別是在投資 ETF 時。第三條法則是根據你的
02:48
consistent as well as DCA is so powerful especially when ETF investing the third rule is to choose ETFs based on your
投資風格、風險承受度和投資期限來選擇 ETF。舉例來說，如果你是廣泛市場投資者，你很可能有較高的
02:57
investing style risk tolerance and time Horizon for example if you are a broad Market investor most likely you have a
風險承受度，你不以股息為優先，而是以資本增值為優先。你想要
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higher risk tolerance you do not prioritize a dividend you would rather prioritize capital appreciation you want
分散投資、符合市場的回報，並且只想盡可能有效地投資股市。對於
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diversification Market matching returns and you just want to invest in the stock market as efficiently as possible for
股息投資者來說，你很可能沒有像廣泛市場或
03:19
dividend investors most likely you do not have a higher risk tolerance as something like a broad Market or a
成長型 ETF 投資者那樣高的風險承受度，但你確實想要股息，或許是作為被動收入或投資組合的現金流。但你
03:24
growth ATF investor but you do want dividends perhaps as passive income or for cash flow in your portfolio but you
也想要分散投資，並對該資本增值抱持一定的「skin of the game」（親身參與），但不像
03:31
also want diversification and some skin of the game for that capital appreciation but not as high as
成長型或廣泛市場 ETF 那麼高。對於成長型投資者，你很可能有最高的
03:37
something like a growth or a broad Market ETF for growth investors most likely you have the highest risk
風險承受度，所以你非常積極。你可能不介意短期的波動或損失，因為你
03:44
possible so you are Ultra risky you probably do not mind volatility or losses in the short term because you
優先考慮長期的資本增值，長遠來看也是如此。你不以股息為優先，你
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prioritize longer term capital appreciation in the long run as well as you do not prioritize a dividend you
寧願優先考慮最高的可能回報，希望能長期打敗市場。現在我們
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would rather prioritize the highest possible returns to beat the market hopefully over the long run now that we
已經掌握了所有基礎知識，第四條法則是選擇一個投資經紀商或投資 App。現在有太多
04:03
have all the basics down the fourth rule is to choose an investment brokerage or an investing app now there's so many
投資 App 可以選擇，但這裡有一些我長期以來最愛的優質投資 App。如果你想找到一個
04:10
investment apps to choose from but here's some of the best investment apps I love in the long run if you want an
符合你目標的 App，也許是一個你可以放心託付資金的 App，那麼那將是適合你的 App。
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app that fits your goals perhaps an app that you can have your money and Trust in then that's going to be the app for
現在我們已經講完了終極指南，這裡有三個絕對適合初次投資者的最佳 ETF。第一個 ETF 類別是廣泛市場 ETF，我喜歡的第一個是 VTI
04:22
you now that we have the ultimate guide out of the way here are three of the absolute best ETFs for firsttime invest
Vanguard 的總股市 ETF。VTI 極度分散投資於大、中、小型股，所以你幾乎
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ERS the first ETF category is a broad Market ETF the first one I like is vti
暴露於美國的每一支股票，確切來說是將近 4,000 支股票。有些
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vanguards total Stock Market ETF vti is extremely Diversified across large made in small cap Equity stocks so you have
先鋒全股市 ETF（VTI）涵蓋大型、中型與小型股，分散程度極高，讓你能夠
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literally exposure to every single stock in the United States of America that's just under 4,000 stocks to be exact some
確實投資美國境內每一支股票，總數接近 4,000 支。其中包含許多大型科技股，以及來自廣泛產業領域、眾所皆知的股票，實現極致
04:55
notable ones being the big Tech names all stocks that everybody knows loves from a broad range of sectors for Ultra
顯著的例子包括大型科技股，這些是眾所皆知的股票，涵蓋廣泛產業類別，適合極度分散投資
05:03
diversification it has an expense ratio of .3% and 8 plus score by sing Alpha and a
其費用比率為 0.3%，在 Seeking Alpha 獲得 8 分以上評級
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dividend yield of around 1.3% and the performance of vti has been amazing of over 12% annually over the
股息殖利率約為 1.3%，VTI 的表現非常出色，過去 10 年年均報酬率超過 12%
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last 10 years and over 15% annually over the last 5 years the second ETF in this category is one that everybody knows and
過去 5 年年均報酬率更超過 15%。此類別中的第二檔 ETF 是人盡皆知的
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loves and that's Vu Vang guards S&P 500 ETF this fund tracks the S&P 500
那就是 Vanguard S&P 500 ETF（VOO），這檔基金追蹤 S&P 500 指數
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literally one of the hardest indexes to be since well forever it has 500 different companies from a broad range
可說是有史以來最難擊敗的指數之一，涵蓋來自廣泛產業類別的 500 家不同公司
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of sectors weighted by market cap in the USA it also has an expense ratio of
以美國市值加權，費用比率同樣為
05:49
.3% another A+ rating by Seeking Alpha and a dividend yield of around 1.3% and the performance of Vu has been
0.3%，在 Seeking Alpha 再次獲得 A+ 評級，股息殖利率約為 1.3%，VOO 的表現
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great of over 133% annually over the last 10 years and over 15% annually over the last 5 years I would suggest either
非常出色，過去 10 年年均報酬率超過 133%，過去 5 年年均報酬率超過 15%。我建議選擇 VOO 或 VTI
06:08
Vu or bti because it does have a fund overlap of 87% meaning you aren't anymore
兩者擇一，因為它們的持股重疊率高達 87%，意味著如果你同時持有這兩檔基金
06:14
Diversified if you own both of these funds in your portfolio now here's going to be other great broad Market ETFs to
並不會讓你的投資組合更加分散。現在還有其他很棒的廣泛市場 ETF 可以選擇
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choose from that aren't Vu or vti so be sure to do your own research and when you choose any of these funds on your
不一定是 VOO 或 VTI，所以務必做好自己的研究，當你在看板上選擇這些基金時。第二類 ETF 是成長型 ETF，我喜歡的第一檔是 QQQM
06:29
screen the second ETF category is a growth ETF the first ETF I like is qqm invest go
追蹤 NASDAQ 100 指數的 ETF，QQQM 就像原始的 QQQ，但它的費用比率低得多
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NASDAQ 100 ETF triple qm is just like the original QQQ but it does have a way lower expense ratio of
只有 0.15%，相比原始 QQQ 的 0.20%，單單在費用上你就能省下一大筆錢
06:48
0.15% compared to the original kikq of 0.20% so you can save a ton of money
它持有來自 NASDAQ 證券交易所的 100 家表現最佳公司，成長潛力更高
06:55
just on fees alone it has 100 of the best performing companies from only the NASDAQ Stock Exchange and it has higher
因為它主要投資科技股，以及科技產業中其他出色的次領域
07:03
growth potential since it mostly invests in technology stocks alongside other Great Subs sectors of the tech sector
如 AI、軟體和區塊鏈。鑑於 NASDAQ 100 指數是有史以來表現最佳的指數之一
07:10
like AI software and blockchain given that an invest in the NASDAQ 100 literally one of the best performing
甚至超越了 S&P 500，過去 10 年年均報酬率超過 18%
07:18
indexes of all time even crushing the S&P 500 it has bolster returns of over 18% annually over the last 10 years and
過去 5 年年均報酬率更超過 21%。下一支我喜歡的成長型 ETF 是 SCHG
07:27
over 21% annually Over The Last 5 Years the next growth ETF that I like is scg
在過去5年每年超過21%的表現，下一個我喜歡的成長型ETF是SCG
07:35
Schwab's us large cap growth ETF its goal is to invest in stocks that have growth like characteristics into
嘉信理財（Schwab）的美國大型股成長ETF，其目標是投資具有成長特徵的股票
07:43
hopefully go up to the Moon it currently has 231 companies so it's a little more Diversified into companies that are more
希望能直衝雲霄（大漲），它目前持有231家公司，因此在股市中較為熱門的公司方面稍微更多元化
07:52
popular in the stock market but it is also heavily weighted into mostly the technology sector it has an expense rate
但它也高度集中在科技板塊，它的費用率
07:59
ratio of 04 so it's going to be a lot cheaper to own shg in the long run than triple qm
為0.04%，因此長期持有SHG會比持有三倍槓桿QQQ便宜得多
08:07
SG has had a great performance of around 16% annually over the last 10 years and over 20% annually Over The Last 5 Years
SHG在過去10年有著約16%的年化出色表現，而在過去5年則超過20%的年化表現
08:17
making both these ETFs great and amazing for long-term investors because they have heavily outperformed the likes of
這使得這兩支ETF對長期投資者來說都非常棒且驚人，因為它們大幅超越了
08:24
the S&P 500 so Props to both these ETFs to outperform literally one of the hardest indexes to beat over the long
標普500指數（S&P 500）等表現，所以要給予這兩支ETF掌聲，因為它們在長期內確實超越了最難擊敗的指數之一
08:32
run here's going to be some of the most amazing growth ETFs to choose from that aren't kqm or SG so be sure to do your
這裡將會是一些除了QQM或SG之外，最驚人的成長型ETF選擇，所以在選擇螢幕上顯示的任何這些基金時
08:41
own research when you choose any of these funds on your screen now the third ETF category is a dividend
務必做好自己的研究，現在第三類ETF是
08:49
ETF I'm going to talk about more traditional dividend ETFs instead of covered call ETFs because covered call
配息ETF，我將討論更傳統的配息ETF，而不是備兌買權ETF，因為備兌買權ETF
08:56
ETFs especially for a first-time investor are going to be super complicated maybe confusing and really
對於初次投資者來說尤其會非常複雜，也許令人困惑且真的
09:01
hard to understand so that's that most dividend ETFs invest in dividend stocks that pay a high dividend yield most
很難理解，所以就是這樣，大多數配息ETF投資於支付高股息殖利率的配息股，這些基金中的
09:11
stocks in these funds have been around for decades upon decades upon decades with very strong balance sheets and cash
大多數股票已經存在了幾十年，歷史悠久，擁有非常強勁的資產負債表和現金流
09:17
flows for those dividends with that the first ETF I like is dgro I shares core dividend growth
來支付那些股息，基於此，我喜歡的第一支ETF是DGRO，iShares核心股息成長
09:26
ETF this one has a low expense ratio of 8% and a plus buy Seeking Alpha it has a
ETF，這支ETF的費用率很低，為0.08%，加上在Seeking Alpha上有買入評級，它有
09:34
div yield of well over 2% which might sound low but hey you do have dividend growth hence in its name where it has
超過2%的股息殖利率，這聽起來可能很低，但嘿，你確實有股息成長，這也體現在它的名稱中，它在過去十年中
09:42
been able to grow its dividend consistently over the last decade so you do get paid more more and more money
一直能夠持續增長其股息，所以你每年確實能從股息中獲得越來越多
09:48
every single year from dividends dgro has a great mix of both boring companies but those highflying tech companies as
的錢，DGRO擁有 boring company（無聊公司）和那些高飛的科技公司的絕佳組合
09:56
well which has led to Great returns of over 12% annually over the last 5 and 10
這使得它在過去5年和10年都有超過12%的年化出色回報
10:02
years the second dividend ETF is SD Schwab's us dividend Equity ETF it has a
第二個股息ETF是SD，也就是嘉信理財的美國股息股票ETF，它的
10:10
slightly lower expense ratio of .6% and a higher dividend yield of around
費用率略低，為0.6%，而股息殖利率則較高，約為3.4%，同時還具備驚人的股息成長，
10:16
3.4% alongside amazing dividend growth that's been very reliable and consistent over the last decade as well it too does
在過去十年中非常可靠且穩定，它同樣
10:25
have those maybe more boring and not as exciting or sexy tech companies because on the flip side it has had excellent
持有一些可能較為乏味、沒那麼令人興奮或性感的科技公司，但反過來說，它在過去10年
10:31
returns of over 11% annually over the last 10 years and over 12% annually Over The Last 5 Years all while paying a
每年都有超過11%的優異報酬，過去5年更是每年超過12%，在此過程中
10:39
dividend that is a great and amazing along the way with that here's both covered calls and regular traditional
還支付了非常棒且驚人的股息，除了這種傳統的股息ETF，這裡還有
10:46
dividend ETFs that are going to be great and R&D gr or shd But be sure to do your own research when you choose any of
覆蓋式賣權（Covered Calls）ETF，兩者都很棒，但請務必在選擇螢幕上
10:54
these funds on your screen now if you guys want to see my over 100 $25,000 ETF portfolio check out and
這些基金中的任何一個時，做好自己的研究，如果你們想看看我超過10萬2500美元的ETF投資組合，
11:03
download The Blossom app for free when you click the link in the description of this video or in the pinch comment below
請點擊本影片描述中的連結或下方置頂留言，免費查看並下載Blossom App，
11:11
Blossom is an amazing social media investing app that gets to show you every ETF in my three different ETF
Blossom是一個很棒的社群媒體投資App，可以讓你看到我三個不同投資帳戶中
11:18
portfolios for my three different investing accounts I get to show you whenever I buy or sell an ETF whatever
的每一個ETF投資組合，我會在每次買賣ETF時、
11:24
post I make and if you do give me a follow on Blossom I will give you a free follow back and you can message me there
發布任何貼文時向你展示，如果你在Blossom上追蹤我，我也會回贈你一個免費追蹤，
11:31
anytime with any ETF questions only on Blossom if you guys like this video please give it a like because this cute
你可以隨時在上面私訊我任何關於ETF的問題，僅在Blossom，如果你們喜歡這部影片請給個讚，
11:38
puppy did right here is going to be a video on some of the best ETF portfolios once you've chosen all your ETFs so get
因為這隻可愛的小狗在這裡，接下來將會有一部關於在你選好所有ETF後，
11:46
started with this video to start ETF portfolio investing in your new portfolio hopefully you guys have a good
如何建立最佳ETF投資組合的影片，所以請從這部影片開始，在你的新投資組合中開始ETF投資，
11:52
rest of your day continue to crush in the stock market and take it easy peace
希望你們度過美好的一天，繼續在股市大展身手，放輕鬆，再見。
