00:00
I'm normally an index fund guy but I know at times that everyone has access to their favorite Index Fund so in the
我通常是指數基金的支持者，但我知道有時大家可能無法投資自己喜歡的指數基金，所以
00:04
spirit of always investing let me share with you 10 best ETFs exchange traded funds for ultimate wealth building and
為了秉持持續投資的精神，讓我與您分享 10 檔最適合累積財富的 ETF（指數股票型基金）。
00:12
hi if you're new to the channel my name is T from Financial tortois where we learn to grow our wealth slow and steud
嗨，如果您是本頻道的新朋友，我是 T，來自「Financial Tortoise」，在這裡我們學習如何緩步而穩定地增長財富。
00:16
all right I'm going to cover ETFs by companies so let's start out with my personal favorite Vanguard with about
好的，我將按公司來介紹 ETF，那麼就從我個人最喜歡的 Vanguard（先鋒）開始吧。Vanguard 管理著約
00:22
$7.7 trillion in global assets under management it is the largest provider of mutual funds and the second largest
7.7 兆美元的全球資產，是全球最大的共同基金供應商，也是全球第二大
00:28
provider of ETFs is in the world and in my personal opinion it is also the boringest Vanguard was founded on the
ETF 供應商。就我個人觀點，它也是最「無聊」的 Vanguard。Vanguard 的創立宗旨是
00:34
principle of providing lowcost broad Market investing for individuals and it will likely stay that way in our
為個人投資者提供低成本、全方位的市場投資，在我們的
00:39
lifetime don't expect Vanguard to do anything exciting when it comes to financial products so to kick it off the
有生之年，它很可能會保持這個樣子。別指望 Vanguard 在金融產品上會有什麼令人興奮的舉動。那麼首先，
00:44
number one best ETF for ultimate wealth building the Vanguard Total Stock Market ETF vti the second cousin to my favorite
最適合累積財富的 ETF 冠軍是 Vanguard Total Stock Market ETF（VTI）。它是我的最愛——
00:52
Index Fund the Vanguard Total market index fund vtsax having started in 2001 it has an excellent expense ratio of
Vanguard Total Market Index Fund（VTSAX）的「二級親戚」。該基金成立於 2001 年，擁有極佳的費用率，
01:00
0.03% and assets under management of approximately $319 billion the fund seeks to track performance of the crsp
僅為 0.03%，管理資產規模約為 3,190 億美元。該基金旨在追蹤 CRSP
01:08
US total market index probably the most comprehensive reflection of the US Stock Market it includes almost 4,000
美國整體市場指數的表現，這可能是美國股市最全面的反映，涵蓋了近 4,000 家
01:14
companies across Mega large small and micro capitalization and covers nearly 100% of the US investable Equity Market
公司，橫跨巨型、大型、中小型及微型市值，涵蓋了美國近 100% 的可投資股票市場。
01:22
th at the time of this video vti represents more than 3,800 us companies the fund also boasts a great turnover
在本影片錄製時，VTI 代表超過 3,800 家美國公司。該基金還擁有極佳的
01:28
rate of 3.4% % the turnover rate is a rate in which buying and selling occurs within a fund for actively managed funds
周轉率，僅為 3.4%。周轉率是指基金內部買賣操作的頻率；對於主動管理型基金而言，
01:35
it reflects how often a fund manager decides to sell off underlying Investments and add new ones to the fund
它反映了基金經理人決定出售底層投資並加入新投資的頻率。
01:40
so higher the percentage the more frequently a fund's assets turn over for context if a fund has a turnover rate of
因此，百分比越高，基金資產的換手就越頻繁。舉個 context（背景說明），如果一支基金的周轉率為
01:47
50% not an uncommon number for actively managed funds this means that half of his Investments were sold in the
50%（這在主動管理型基金中並不罕見），這意味著其投資組合中有一半在過去 12 個月內被賣出。
01:53
previous 12 months so you might be asking what is a good turnover rate for a broad Market passively managed funds
所以您可能會問，對於像 VTI 這樣的全方位市場被動管理型基金，多少的周轉率才算好？
01:58
like bti the turnover rate should be around or less than 5% anything higher could suggest that the fund is being
被動型基金的周轉率應該在 5% 左右或更低；任何高於這個數字的比率都可能暗示該基金正在...
02:04
mismanaged just to give you a heads up pretty much all the ETFs I'm going to cover in this video have really great
管理不善 先提醒一下 本影片將介紹的ETF
02:08
turnover rates no more than 5% many as low as 2% before we move on to next best ETF let's talk about performance of
換手率都非常出色 不超過5% 許多甚至低至2% 在介紹下一個最佳ETF之前
02:16
course note that past performance is not a good indicator of future performance so we shouldn't get too tight to this
我們先談談績效 當然請注意 過去的表現不代表未來的表現
02:21
number but we'll use it as a way to compare against all their funds we'll cover in this video the 10year
因此不應過度依賴這個數字 但我們將以此作為比較標準 來對比本影片中涵蓋的所有基金 VTI的10年
02:25
performance of vti is 11.22% which trans relates to if you had invested $10,000 10 years ago into vti
績效為11.22% 這意味著如果您10年前投資1萬美元於VTI
02:33
it would have grown close to $29,000 today moving on the number two best ETF for ultimate wealth building the
今日將增長至近29,000美元 繼續往下看 建立終極財富的第二大ETF
02:39
Vanguard S&P 500 ETF also known as vo having started in 2010 it also boasts an excellent expense ratio of 0.03% and
Vanguard S&P 500 ETF 又名VO 成立於2010年 同樣擁有0.03%的出色費用率
02:48
assets under management of approximately $340 billion the fund invest in stocks in the s&p500 index probably the most
以及約3,400億美元的管理資產 該基金投資於S&P 500指數的股票 這可能是全球
02:55
widely followed index in the world representing the 500th largest US company weighed by the value of their
最廣受追蹤的指數 代表美國最大的500家企業 並根據其
03:01
market capitalization at the time of this video it holds exactly 507 stocks now how different is this from vti not
當時的市值加權 在本影片拍攝時 持有正好507檔股票 這與VTI有多大差異？其實
03:08
that much actually despite it owning 500 stocks versus vti's close to 4,000 stocks because of market cap V
差異不大 儘管它持有500檔股票 而VTI持有近4,000檔股票 但由於市值加權 V
03:16
represents about 80 to 85% of market value of all US stocks and the weight within the index automatically adjust
佔所有美國股票市值的約80%至85% 且權重會在指數內
03:22
based on the changing stock prices for example let's say that Apple currently the largest company in the world F race
根據股價變動自動調整 舉例來說 假設蘋果 目前全球最大的公司 股價下跌
03:28
and drops the 10th largest in that case the index and therefore vo will automatically adjust his representation
跌至第10大 那麼指數以及VO將自動調整其
03:33
of Apple to be a smaller portion of the P vo also boasts a great turnover rate of 2.1% and the 10-year performance of
對蘋果的持倉比重 VO同樣擁有2.1%的出色換手率 且VO的10年
03:40
VO is 11.86% slightly higher than vti's 11.22% due to the fact that large
績效為11.86% 略高於VTI的11.22% 原因在於大型
03:47
companies perform better than smaller companies that are also included in vti but no one can predict if this will or
企業的表現優於VTI中也包含的小型企業 但沒有人能預測未來這趨勢是否
03:53
will not continue in the future from an investment perspective if you had invested $10,000 10 years ago into vo
會持續 從投資角度來看 如果您10年前投資1萬美元於VO
03:59
you would have grown to a little over $30,000 three times is original investment the number three best ETF for
今日將增長至略高於30,000美元 是原始投資的三倍 建立終極財富的第三大ETF
04:05
ultimate wealth building the Vanguard Total stock ETF also known as VT it started in 2008 has a slightly higher
Vanguard Total Stock ETF 又名VT 成立於2008年 費用率略高於
04:12
expense ratio of 0.07% and has assets under management of approximately $29 billion all right so what's so special
費用率為0.07%，管理資產規模約為290億美元。好的，那麼這檔ETF有什麼特別之處？
04:20
about this ETF let's try to understand the index VT seeks to track the performance of the ftse global all cap
讓我們試著了解它追蹤的指數。VT旨在追蹤富時全球全市值指數的表現，
04:26
index which covers both wellestablished and still developing markets essentially instead of just investing in US Stocks
該指數涵蓋了已開發與新興市場。本質上，它不只是像VTI或VO那樣投資美國股票，
04:33
like vti or vo it invests in both us and foreign markets therefore it holds close to 10,000 stocks this is how it breaks
而是同時投資美國與海外市場。因此，它持有近10,000檔股票。其具體配置如下：
04:41
down further 64% in North America about 10% in Emerging Markets 16% in Europe and 11% in Pacific it not only owns all
北美佔64%，新興市場約佔10%，歐洲佔16%，太平洋地區佔11%。它不僅持有
04:49
the big American companies like apple Microsoft and Amazon but it also holds a good chunk of international companies
像蘋果、微軟和亞馬遜等所有美國大型公司，也持有相當比例的國際企業，
04:54
companies like Taiwan semiconductor manufacturing a Taiwanese semiconductor manufacturing design company Samsung a
例如台灣積體電路製造公司（一家台灣的半導體設計製造公司）、三星（
04:59
South Korean major appliances and consumer electronics Corporation and Astra zenica a UK based pharmaceutical
韓國主要家電與消費性電子產品集團），以及阿斯特捷利康（一家總部位於英國的製藥
05:05
and biotech company VT will be ideal for someone who wants to diversify their Holdings Beyond just us companies but
與生技公司）。對於想要將持股分散至美國以外公司，但
05:11
don't want to hold a separate International fund VT has a great low turnover rate of 4.3% and its 10year
又不想另外持有國際基金的人來說，VT將是理想選擇。VT的周轉率極低，僅為4.3%，其10年
05:17
performance is 7.7% lower than compared to vti and vo given it includes a good percentage of
表現比VTI和VO低7.7%，這是因為它包含了一定比例的
05:23
international stocks who didn't perform as well as us companies the past 10 years but in the theme of we don't know
國際股票，這些股票在過去10年的表現不如美國公司。但基於我們不知道
05:28
what the future this could quickly change as it has done several times in the past from an
未來會如何的主題，情況可能很快就會改變，正如過去曾發生數次一樣。從
05:33
investment perspective if you had invested $10,000 10 years ago into VT it would have grown to a little over
投資的角度來看，如果你在10年前投資10,000美元於VT，它今天將增長至略高於
05:39
$20,000 today two times is original investment real quick there are a lot of funds I'm covering in this video and
20,000美元，是原始投資的兩倍。快速說明一下，這支影片涵蓋了很多檔基金，
05:45
it's hard to keep track of all of them so in order to make the process of learning about these funds easier I
很難全部記住。為了讓學習這些基金的過程更容易，我
05:50
created a free pdf downloadable that lists all the funds I'm covering this video with respective details think of
製作了一份免費的PDF下載檔，列出了這支影片中涵蓋的所有基金及其相關細節。你可以把它當作
05:55
it as a quick guide you can reference when you're reviewing your own fund options if you like a free copy of this
一個快速指南，在你審視自己的基金選項時可以參考。如果你想要這份PDF的
06:00
PDF go to the link I'll have in the description below all right with that said let's get back to the video with
免費副本，請前往我將放在下方說明中的連結。好的，說到這裡，讓我們回到影片，繼續
06:04
the best Vanguard ETFs cover let's move on to ETF funds by Black Rock a little background about Black Rock it is a
探討Vanguard的最佳ETF。接著，我們來看看BlackRock的ETF基金。先簡單介紹一下BlackRock，它是
06:10
giant in the investment world it is not only the world largest asset manager with 9.42 trillion in assets under
它是投資界的巨頭，不僅是全球最大的資產管理公司，管理資產達 9.42 兆美元，
06:16
management but is also the world largest provider of exchange tra funds mostly represented by the I shares collection
管理資產，也是全球最大的交易所交易基金提供者，主要由 iShares 系列代表。
06:22
all right let's get into the specific ETFs the number four best ETF for ultimate wealth building the I shares
好了，讓我們來看看具體的 ETF，第四檔最適合累積財富的 ETF 是 iShares
06:28
core SNP total US Stock Market ETF also known as it it started in 2004 and like vti and vo has an excellent expense
核心標普 500 總市值美國股市 ETF，亦稱為 IT，成立於 2004 年，與 VTI 和 VO 一樣，擁有極佳的費用
06:37
ratio of 0.03% and assets under management of approximately $44 billion i6s to track performance of the SNP
比率，僅為 0.03%，管理資產規模約為 440 億美元，旨在追蹤標普
06:45
total market index TMI an index run by the S&P Dow Jones and designed to track the broad Equity Market including large
總市值指數 (TMI)，這是一項由 S&P Dow Jones 運營的指數，旨在追蹤廣泛的股票市場，包括大型股、
06:53
mid small and micro cap stocks at the time of this video this fund represents about 2800 stocks stocks if you recall
中型股、小型股和微型股。在本影片錄製時，該基金約涵蓋 2800 檔股票。如果你還記得，
07:00
the total number of stocks at vti the Vanguard Total Stock Market ETF Health was close to 4,000 why the big
Vanguard 總市值股市 ETF (VTI) 的股票總數接近 4000 檔。為什麼會有這麼大的
07:06
difference 4,000 versus 2800 seems like a lot but remember that all stocks represented in these ETFs are
差異？4000 檔與 2800 檔看似差距很大，但請記住，這些 ETF 所涵蓋的股票都是
07:13
represented based on market cap bigger the company bigger the representation smaller the company smaller the
根據市值加權的。公司規模越大，權重越高；公司規模越小，權重越低。
07:18
representation thus most of the companies excluded from itot compared to vti are super small companies making the
因此，與 VTI 相比，ITOT 排除的大多是極小的公司，使得
07:25
two indexes pretty much the same from performance perspective it P has a low turnover rate of 4% and its 10-year
兩個指數在績效表現上幾乎相同。ITOT 的周轉率很低，僅為 4%，其 10 年
07:32
performance is 11.32% vti 10-year performance if you recall earlier was
年化報酬率為 11.32%。如果你還記得，VTI 的 10 年年化報酬率是
07:38
11.22% so we're talking about a 0.1% difference from an investment perspective if you had invested $10,000
11.22%。所以我們在談論 0.1% 的差異。從投資角度來看，如果你 10 年前
07:45
10 years ago into itot it would have grown close to $30,000 today a few hundred more than vti if iar's core S&P
投資 10,000 美元於 ITOT，今天將增長至近 30,000 美元，比 VTI 多出幾百美元。如果 iShares 核心標普美國全股市 ETF
07:53
total US Stock Market ETF is offered as an option in your 401k or your other retirement plans it will be an excellent
在你的 401(k) 或其他退休計畫中作為一個選項提供，它將是一個極佳的
07:59
low cost option to invest in the market all right staying with black rock and ey shares collection moving on the number
低成本投資市場的選擇。好的，繼續留在 BlackRock 和 iShares 系列，接下來是第五檔
08:04
five best ETF for ultimate wealth building the ey shares core S&P 500 ETF ivv it started in 2000 has an excellent
最適合累積財富的 ETF：iShares 核心標普 500 ETF（iShares Core S&P 500 ETF）IVV。它成立於 2000 年，擁有
08:13
expense ratio of 0.03% and assets under management of approximately $347 billion ivv is pretty
0.03% 的極低費用率，管理資產規模約為 3470 億美元。IVV 與 Vanguard 的 VOO
08:20
much the same as vanguard's vo it tracks the same S&P 500 Index the 500 largest US companies at the time of this video
幾乎完全相同，追蹤同樣的標普 500 指數，即美國最大的 500 家公司。在本影片錄製時
08:27
it has exactly 500 three stocks it also has an excellent turnover rate of 3% and his 10year performance is
它正好持有 503 檔股票。其周轉率也極佳，僅為 3%，10 年投資報酬率為
08:35
11.87% if you recall vo's 10-year performance was 11.86% so we're talking about a 0.01%
11.87%。如果你還記得，VO的10年績效是11.86%，所以我們談論的是0.01%的
08:42
difference and similar to vo if you had invested $10,000 10 years ago into ivv it would have grown to a little over
差異。類似於VO，如果你10年前投資10,000美元到IVV，它今天會成長到略高於
08:49
$330,000 today choosing ivv over vo or itot is all based on what you have available and personal preference I'm a
330,000美元。選擇IVV而非VO或ITOT完全取決於你有哪些選擇以及個人偏好。我是
08:56
Vanguard guy but if you really like Black Rock then go with I IV as your core S&P 500 large Cap Fund holding in
Vanguard的粉絲，但如果你真的很喜歡BlackRock，那麼就把I IV當作你長期持有的核心S&P 500大型股基金
09:02
the long run what's going to make a difference in your net worth is in which fund you choose as your core wealth
長期來看，會影響你淨資產的是你選擇哪一檔基金作為你核心的財富
09:07
building tool but how much you put in and for how long all right before we move from Black Rock let me share with
累積工具，但更重要的是你投入多少以及投入多久。好了，在我們離開BlackRock之前，讓我再跟你分享
09:12
you one more ey Shar fun you might want to have in your back pocket the number six best ETF for ultimate wealth
一檔你可能想放在口袋裡備用的iShares基金，這是建立终极财富的第六大ETF
09:17
building the ey shares Morning Star us Equity ETF AKA ICB it started in 2004
iShares Morningstar美國股票ETF，簡稱ICB。它成立於2004年
09:25
also has a great expense ratio of 0.03% but this one is pretty small compared to the other two ETFs we just
，費用比率也高達0.03%，但這檔基金與我們剛剛介紹的另外兩檔ETF相比規模小得多
09:31
covered only $754 million in assets under management if you have access to either the ey shares core S&P total US
，資產管理規模只有7.54億美元。如果你可以投資iShares核心S&P美國總股票市場ETF或
09:38
Stock Market ETF or the I shares core S&P 500 ETF I wouldn't pick ICB but it's good to know that it's there ICB seeks
iShares核心S&P 500 ETF，我不會選擇ICB，但知道它的存在是件好事。ICB旨在
09:46
to track investment results of an index composed of large and midcap US equities more specifically as the name States the
追蹤一個由美國大型股和中型股組成的指數的投資結果，更具體地說，正如其名稱所示，是
09:52
Morning Star us large midcap index comprehensive depiction of the performance and fundamental
Morningstar美國大型中型股指數，全面描繪了美國股市中
09:57
characteristics of the large large and midcap segments of the US equities market large cap refers to a company
大型股和中型股板塊的表現和基本特徵。大型股指的是
10:03
with a market capitalization value of more than $10 billion you can pretty much think of most of the companies
市值超過100億美元的公司，你幾乎可以把S&P 500指數中的大多數公司
10:08
within the S&P 500 Index and midcap companies are ones with market cap between 2 billion and $10 billion some
都視為大型股。而中型股公司的市值則在20億到100億美元之間，一些
10:14
examples of midcap companies include the Zillow group a tech real estate Marketplace company Sirius XM a
中型股公司的例子包括Zillow Group（一家科技房地產市集公司）、Sirius XM（一家
10:19
Broadcasting Corporation and Dita a dialysis company big companies but not giants like Apple or Google and ilcv
廣播公司）和DaVita（一家透析公司）。這些都是大公司，但不是像蘋果或谷歌那樣的巨頭，而ILCV
10:26
includes a good number of them thus at the time of this video holding a approximately 670 stocks 500 bit
包含了相當數量的此類公司。因此，在本影片錄製時，它持有約670檔股票，500檔大型股
10:31
companies plus a couple hundred so-called midcap companies ICB has a low turnover rate of 4% and its 10-year
公司，加上數百家中型股公司。ICB 的周轉率很低，僅為 4%，其 10 年
10:37
performance is 11.12 per.
報酬率為 11.12%。
10:41
slightly lower than total market and the S&P 500 ETFs from an investment perspective if you
略低於總市值和標普 500 ETF。從投資角度來看，如果你
10:44
had invested $10,000 10 years ago into ICB it would have grown close to $29,000 today again this wouldn't be my first
在 10 年前將 10,000 美元投資於 ICB，如今資產將增長至近 29,000 美元。再次強調，如果我必須從 iShares
10:51
choice if I had to choose from the ey share funds but it's good to know that it exists given that the three that we
choice if I had to choose from the ey share funds but it's good to know that it exists given that the three that we
10:55
just covered have one of the lowest expense ratio in the ey Share Group all right with black rock ETFs out of the
just covered have one of the lowest expense ratio in the ey Share Group all right with black rock ETFs out of the
11:00
way let's get into State Street funds State Street along with black rock and Vanguard is considered to be one of the
way let's get into State Street funds State Street along with black rock and Vanguard is considered to be one of the
11:06
big three index fund managers that dominate Corporate America the third biggest ETF provider on the US Stock
big three index fund managers that dominate Corporate America the third biggest ETF provider on the US Stock
11:12
Market to be exact it also holds the title of holding the world largest ETF spy which also happens to be the very
Market to be exact it also holds the title of holding the world largest ETF spy which also happens to be the very
11:18
first exchange traded fund listed here in the US but more about them in a bit the number seven best ETF for ultimate
first exchange traded fund listed here in the US but more about them in a bit the number seven best ETF for ultimate
11:24
wealth building the spdr portfolio S&P 500 ETF SPG it started in 2005 and has the
wealth building the spdr portfolio S&P 500 ETF SPG it started in 2005 and has the
11:32
industry's lowest expense ratio of all large cap blend S&P 500 offerings with an expense ratio of whopping
industry's lowest expense ratio of all large cap blend S&P 500 offerings with an expense ratio of whopping
11:39
0.02% this one is fresh off the press given it was recently updated in August of 2023 from
0.02% this one is fresh off the press given it was recently updated in August of 2023 from
11:45
0.03% it also has assets under management of approximately $19 billion an splg pretty much the same as
0.03% it also has assets under management of approximately $19 billion an splg pretty much the same as
11:52
vanguard's vo and black Rock's ivv tracks the performance of the S&P 500 Index 54 stocks represented at the time
vanguard's vo and black Rock's ivv tracks the performance of the S&P 500 Index 54 stocks represented at the time
11:59
of this video it has a great low turnover rate of 2% and its 10year performance is
of this video it has a great low turnover rate of 2% and its 10year performance is
12:05
11.76% slightly lower than vo's 11.86% and ivvs 11.87% but not enough to make much of a
11.76% slightly lower than vo's 11.86% and ivvs 11.87% but not enough to make much of a
12:13
difference from an investment perspective if you had invested $110,000 10 years ago into SPG it would have
difference from an investment perspective if you had invested $110,000 10 years ago into SPG it would have
12:18
grown to over $30,000 today SPG vo and ivv are pretty much all the same except for who they're managed by so if you're
grown to over $30,000 today SPG vo and ivv are pretty much all the same except for who they're managed by so if you're
12:26
looking for a good S&P 500 ETF you can't go wrong with any one of them before I move on to the next St Street ETF I do
looking for a good S&P 500 ETF you can't go wrong with any one of them before I move on to the next St Street ETF I do
12:33
want to highlight an honorable mention the spdr S&P 500 ETF AKA spy with $400 billion assets under management it is
要特別提到的是SPDR S&P 500 ETF，簡稱SPY，其資產管理規模達4,000億美元，
12:42
technically the world largest ETF much in part due to the fact that spy was the very first exchange Trader fund listed
從技術上講是全球最大的ETF，這在很大程度上是因為SPY是美國最早上市的
12:48
here in the US January of 1993 it also tracks the S&P 500 Index pretty much the same tenure performance as splg at
交易所交易基金，於1993年1月推出。它追蹤的S&P 500指數，其10年年化報酬率與SPLG幾乎相同，為11.77%，
12:57
11.77% and and has an excellent low turnover rate of 2% however it has a relatively High expense ratio of
且周轉率極低，僅有2%。然而，其費用率相對較高，為0.0945%。
13:04
0.094 5% my honest opinion is that while spy is a good ETF overall the higher expense ratio compared to similar S&P
我的誠實看法是，雖然SPY整體而言是個不錯的ETF，但與其他類似的S&P 500 ETF相比，
13:12
500 ETFs State streets SG vanguard's vo and I shares ivv gives me a PA however if this is the only option available in
例如State Street的SPLG、Vanguard的VOO以及iShares的IVV，它的費用率較高，讓我有些卻步。不過，如果這是您的401k或其他退休計畫中
13:21
your 401k or other retirement plans it will definitely be better than choosing an actively managed fund the number
唯一可選擇的選項，它絕對會比選擇主動管理型基金更好。
13:26
eight best ETF for ultimate wealth building the spdr portfolio s&p500 composite stock ETF AKA
第8名最適合累積財富的ETF是SPDR Portfolio S&P 500 Composite Stock ETF，簡稱SPTM。
13:35
sptm it started in 2000 also has an excellent expense ratio of 0.03% and assets under management of
它於2000年推出，費用率同樣出色，為0.03%，資產管理規模約為64億美元。
13:42
approximately 6.4 billion it states stre its best ETF if you want something close to a total Market exposure the sptm aims
它是State Street推出的最佳ETF，如果您想要接近整體市場的曝險。SPTM旨在
13:50
to track investment results of the S&P composite 1500 index an index that is designed to measure performance of large
追蹤S&P Composite 1500指數的投資結果，該指數旨在衡量美國股市中大型、
13:57
mid and small cap segment M ments of the US equities Market essentially as the name States the 1,500 biggest US
中型和小型股板塊的表現。基本上，正如其名，它涵蓋了美國1,500家最大的公司。
14:04
companies not as comprehensive as vanguard's vti or black rocks it but it still represents approximately 90% of
雖然不如Vanguard的VTI或BlackRock的ITOT那麼全面，但它仍佔美國可投資股票市場的約90%。
14:11
the investable US Equity Market at the time of this video it holds approximately 1,500 stocks it has a
在本影片錄製時，它持有約1,500檔股票，
14:16
great low turnover rate of 2% and its 10year performance is 11.47% compared to vanguard's vti which
周轉率極低，僅有2%，其10年年化報酬率為11.47%。相比之下，Vanguard的VTI
14:24
has a tenure performance of 11.22% and black Rock's itot which has a 10-year performance of
為11.22%，而BlackRock的ITOT則為11.32%。
14:31
11.32% it is slightly better probably due to the fact that small cap and micro small cap stocks didn't perform as well
SPTM的表現略好一些，可能是因為在過去10年中，小型股和微型股的表現不如大型公司。
14:37
as large companies the past 10 years from an investment perspective if you had invested $10,000 10 years ago into
從投資角度來看，如果您在10年前投資10,000美元於SPTM，
14:43
sptm it would have grown close to $30,000 today if your options are limited to State Street and you want
到今天將增長至近30,000美元。如果您的選擇僅限於State Street，且您希望
14:49
greater exposure to the market than just the S&P 500 sptm is a great option let's move on to some ETF options provided by
獲得比S&P 500更廣泛的市場曝險，SPTM是一個絕佳的選擇。接下來，讓我們看看由
14:57
Charles swap in American most multinational financial services company at the time of this video considered the
嘉信理財（Charles Schwab）在本影片製作時，是美國最大的跨國金融服務公司之一，
15:02
10th largest bank in the US the number nine best ETF for ultimate wealth building swab us broad Market ETF also
被視為美國第十大銀行，也是打造終極財富的第九大最佳ETF——嘉信美國Broad Market ETF（SCHB），
15:09
known ASP it started in 2009 also has an excellent expense ratio of
該ETF成立於2009年，其費用比率也非常優異，僅為
15:15
0.03% and assets under management of approximately $22.5 billion SB aims to track the investment results of the Dow
0.03%，管理資產規模約為225億美元。SCHB旨在追蹤道瓊美國Broad Stock Market Index的投資結果，
15:23
Jones US broad stock market index an index that follows the 2500 largest publicly traded companies in the US thus
該指數涵蓋了美國2500家最大的上市公司，因此，
15:30
at the time of this video SCP represents close to 2,500 stocks from a total number of companies followed perspective
在本影片製作時，SCHB代表近2500檔股票。從追蹤的公司數量來看，
15:38
less companies and vanguard's bti and black rocks itot however more than State streets sptm but again because of market
雖然比Vanguard的VTI和BlackRock的ITOT少，但多於State Street的SPTM。不過，同樣因為市值權重的關係，
15:45
cap while the total number of companies differ the difference in overall Market representation is hardly noticeable as
儘管總公司數量不同，但整體市場代表性的差異幾乎難以察覺。
15:51
you can tell by its returns SCP has a great low turnover rate of 3.6% and his 10e performance is 11.
從其報酬率可以看出，SCHB的周轉率極低，僅為3.6%，其10年年化報酬率為11.23%，
16:00
23% pretty much in line with vanguard's bti of 11.22% and black Rock's itot of
與Vanguard的VTI（11.22%）和BlackRock的ITOT（11.32%）非常接近。從投資角度來看，
16:06
11.32% from an investment perspective if you had invested $10,000 10 years ago into SCB you would have appreciated
如果你在10年前投資1萬美元於SCHB，至今資產已增值至近29,000美元。如果你在嘉信理財投資，
16:12
close to $29,000 today if you're investing with Charles swab and are looking for an ETF with a great exposure
且正在尋找一檔能廣泛佈局整體市場的ETF，嘉信美國Broad Market ETF（SCHB）是一個絕佳的選擇。
16:18
to the broad Market swab us broad Market ETF is an excellent choice the number 10 best ETF for ultimate wealth building
打造終極財富的第十大最佳ETF——嘉信美國大型股ETF（SCHX），它成立於2009年（與SCHB相同），
16:25
swab us large cap ETF s CHX it started in 2009 same as SCB also has an exent expense ratio of
費用比率同樣優異，僅為0.03%，管理資產規模約為330億美元。SCHX旨在追蹤道瓊美國大型股總體股市場指數的投資結果，
16:35
0.03% and assets under management of approximately $33 billion scx aims to track investment results of the Dow
該指數涵蓋了約750家美國最大的公司。
16:42
Jones US large cap total stock market index an index that follows approximately 750 largest US companies
因此，在本影片製作時，SCHX代表近760檔股票。你可以將其視為涵蓋了S&P 500指數的成分股，
16:50
thus at the time of this video scx represents close to 760 stocks think of all the companies represented by the S&P
再加上數百家中型股公司的組合。SCHX的周轉率極低，僅為3.8%，其10年年化報酬率為11.68%。
16:57
500 Index Plus a few hundred midcap companies scx has a great low turnover rate of 3.8% and its 10year performance
從投資角度來看，如果你在10年前投資1萬美元於SCHX，
17:04
is 11.68% from an investment perspective if you had invested $10,000 10 years ago
至今資產已增長至略超過30,000美元。如果你在嘉信理財投資，且正在尋找...
17:11
into scx it would have grown to slightly over $30,000 today if you're investing with Charles swab and you're looking for
基金中選擇，這不會是我的首選，但知道它的存在是好的，考慮到我們之前提到的那三檔... 在 10 年前將 10,000 美元投資於 SCX，如今資產已增長至略超過 30,000 美元。如果你在嘉信理財 (Charles Schwab) 投資，且正在尋找...
17:17
something close to the S&P 500 the swab us large cap ETF would be an excellent choice all right that's a lot that we've
接近標準普爾500指數的選擇，Vanguard的美國大型股ETF會是一個絕佳的選擇。好的，以上是我們目前為止涵蓋的大量內容
17:24
covered so far so thanks for staying with me again there's a lot of funds I covered and it's hard to keep track of
再次感謝大家的耐心收看。我介紹了很多檔基金，要全部記住確實不容易
17:28
all of them so consider downloading my free pdf downloadable that lists all the funds I covered in this video with
因此，考慮下載我免費的PDF檔案，裡面列出了我在本影片中介紹的所有基金及其相關細節
17:33
respective details think of it as a quick guide you can reference when you're reviewing your own fund options
你可以將其視為一份快速指南，在你審視自己的基金選擇時可以參考
17:38
go to the link I'll have in the description below to download your free copy one major theme you might have
請前往下方描述中的連結下載免費副本。你可能注意到的一個主要主題是
17:42
noticed is that most of these funds are actually a lot more similar than they're different all the funds are broadly
這些基金其實相似之處遠大於差異。所有基金都廣泛分散投資
17:47
Diversified representing at least 500 biggest US companies many of them many more for example vanguard's total Stock
至少涵蓋美國最大的500家公司，其中許多基金涵蓋更多。例如，Vanguard的總股票市場ETF（VTI）涵蓋了近4,000檔股票
17:54
Market ETF ETI represents close to 4,000 stocks for returns off funds minus the Vanguard Total World stock ETF VT has a
至於Vanguard的全球股票ETF（VT），其10年年化報酬率至少達到11%
18:03
10-year performance of at least 11% a year and from a cost perspective minus VT all have an excellent expense ratio
從成本角度來看，除了VT之外，所有基金的費用比率都極低，最高不超過0.03%。State Street的SPDR Portfolio S&P 500 ETF（SPLG）更是擁有驚人的低費用比率
18:09
of at most 0.03% State Street's spdr portfolio S&P 500 ETF splg both an amazing low expense
僅為0.02%。雖然這不應該是你選擇SPLG而非其他ETF的唯一原因
18:18
ratio of 0.02% now that shouldn't be the reason why you choose SF over other ETFs but
但看到投資公司為了提供最低成本而相互競爭，總是一件好事
18:24
it's always great to see investment firms competing with each other to provide the lowest possible cost my
我誠實的觀點是，投資本影片中審視的任何一檔基金都不會有錯，前提是
18:29
honest perspective is that you can't go wrong with any of the funds that are reviewed in this video that is if you
你長期持續地進行投資。感謝大家的收看，關於最佳基金的主題
18:33
invest in them consistently over a long period of time thank you guys for watching and the theme of best funds if
如果你想知道我認為市場上最好的指數型基金是什麼，請查看我在這裡的影片
18:38
You' like to know what I consider the best index funds in the market please check out my video here until next time
下次見
18:43
all the best
祝大家一切順利
