- **SCHD** – Schwab US Dividend Equity ETF – Tracks the Dow Jones U.S. Dividend 100 Index.
SCHD – 施瓦布美国股息股票 ETF – 跟踪道琼斯美国股息 100 指数。
- **HDV** – iShares Core High Dividend ETF – Tracks the Morningstar Dividend Yield Focus Index.
HDV – iShares Core High Dividend ETF – 跟踪晨星股息收益聚焦指数。
- **SPYD** – SPDR® S&P 500 High Dividend ETF – Tracks the S&P 500 High Dividend Index.
SPYD – SPDR® 标普 500 高股息 ETF – 跟踪标普 500 高股息指数。
- **VYM** – Vanguard High Dividend Yield ETF – Tracks the performance of the FTSE® High Dividend Yield Index. Excludes REITs.
VYM – 先锋高股息收益 ETF – 跟踪 FTSE®高股息收益指数的表现。排除房地产投资信托基金。
- **VYMI** – Vanguard International High Dividend Yield ETF – Tracks the FTSE® All-World ex US High Dividend Yield Index. Excludes REITs.
VYMI – 先锋国际高股息收益 ETF – 跟踪 FTSE®全球除美国高股息收益指数。排除房地产投资信托基金。
- **VNQ** – Vanguard Real Estate ETF – diversification benefit from the low correlation of REITs to [the stock market](https://www.optimizedportfolio.com/stock-market/).
VNQ – 先锋房地产 ETF – 由于房地产投资信托与股市的低相关性而带来的多样化收益。
- **VNQI** – diversification benefit from the low correlation of international REITs to both the US and ex-US stock markets.
VNQI – 国际房地产投资信托基金与美国及非美国股票市场之间的低相关性带来的多样化收益。
- **IDLV** – Invesco S&P International Developed Low Volatility ETF – International exposure to low volatility dividend payers at a lower expense ratio than most international equity ETF's.
IDLV – Invesco S&P 国际发达低波动性 ETF – 以低于大多数国际股票 ETF 的费用比率，投资于低波动性分红支付者的国际市场。
- **VIG** – Vanguard Dividend Appreciation ETF – companies with at least 10 consecutive years of an increasing dividend payment.
VIG – 先锋股息增长 ETF – 至少有 10 年连续增加股息支付的公司。
- **DGRO** – iShares Core Dividend Growth ETF – companies with at least 5 consecutive years of an increasing dividend payment. More inclusive than VIG; able to capture some small- and mid-cap exposure.
DGRO – iShares Core Dividend Growth ETF – 具有至少连续 5 年增加股息支付的公司。比 VIG 更具包容性；能够捕捉一些小型和中型股的投资。
- **VIGI** – Vanguard International Dividend Appreciation ETF – international companies with at least 10 consecutive years of an increasing dividend payment.
VIGI – 先锋国际股息增长 ETF – 至少连续 10 年增加股息支付的国际公司。
- **SCHP** – Schwab U.S. TIPS ETF – Tracks the Bloomberg Barclays U.S. Treasury Inflation-Linked Bond Index. Offers inflation protection. Average maturity of 8 years.
SCHP – Schwab 美国 TIPS ETF – 跟踪彭博巴克莱美国国债通胀挂钩债券指数。提供通胀保护。平均到期时间为 8 年。
- **USHY** – iShares Broad USD High Yield Corporate Bond ETF – broad exposure to high yield corporate bonds. Average maturity of 5.5 years.
USHY – iShares Broad USD High Yield Corporate Bond ETF – 广泛投资于高收益公司债券。平均到期时间为 5.5 年。
- **EDV** – Vanguard Extended Duration Treasury ETF – Tracks the Bloomberg Barclays U.S. Treasury STRIPS 20–30 Year Equal Par Bond Index – Offers protection for stock crashes. Average maturity of 25 years. Interest from treasury bonds is tax-free at state and local levels.
EDV – 先锋延长期限国债 ETF – 跟踪彭博巴克莱美国国债 STRIPS 20–30 年等额债券指数 – 提供股票崩盘的保护。平均到期时间为 25 年。国债的利息在州和地方层面免税。
分配如下：
- 15% SCHD
- 5% HDV
- 5% SPYD
- 10% VYM
- 10% VYMI
- 10% VNQ
- 5% VNQI
- 5% IDLV
- 5% VIG
- 5% DGRO
- 5% VIGI
- 10% SCHP
- 5% USHY
- 5% EDV
