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cover of episode 3 Easy Ways to Make Passive Income From Investing

3 Easy Ways to Make Passive Income From Investing

2025/3/14
logo of podcast Money Rehab with Nicole Lapin

Money Rehab with Nicole Lapin

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Nicole Lappin
一位致力于财务教育和媒体的专家,通过多种平台帮助人们提高财务素养。
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Nicole Lappin:除了传统的买卖股票,我今天要介绍三种轻松获得被动收入的方法:债券、高收益现金账户和分红股票。这些方法都比较省心,适合那些想投资但不想整天盯着股市的人,或者想要分散投资组合风险的人。 首先是债券,这是一种“设置后忘记”的投资方式。购买债券就像借钱给政府或公司,你定期会收到利息,债券到期后,你将获得本金加利息。债券有不同的类型,例如国债和公司债券。国债由美国政府发行,风险较低,但收益率也相对较低;公司债券由公司发行,风险较高,但收益率也可能更高。投资者在选择债券时,需要考虑债券的到期日、收益率、票面利率以及信用评级、流动性评分和可赎回性等因素。为了获得稳定的被动收入,投资者可以使用债券阶梯策略,即购买多个不同到期日的债券,以确保定期有债券到期并产生现金流。 其次是高收益现金账户,这就像一个活期账户,但利率远高于普通支票账户。目前,普通支票账户的平均利率可能不到1%,而高收益现金账户的利率则要高得多,例如,某些平台提供4.1%的年利率。高收益现金账户的资金通常是受FDIC保险的,这意味着你的资金是安全的。但需要注意的是,利率可能会发生变化,但由于高收益现金账户的流动性很高,你可以随时提取资金而不会受到处罚。 最后是分红股票,这是我最喜欢的一种获得被动收入的方式。一些公司会定期向投资者支付其利润的一部分作为股息。股息通常按季度支付,但有些公司每月或每年支付。你收到的股息金额取决于股息收益率,即公司支付的股息占股价的百分比。并非所有公司都支付股息,但一些知名公司,例如强生、可口可乐、宝洁和麦当劳等,以支付股息而闻名。为了让你的投资复利增长,你可以选择参与股息再投资计划(DRIP),将收到的股息自动用于购买更多股票。

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You’ve heard the old investing advice: “buy low, sell high.” But what if we told you that selling isn’t the only way to make money from your investments? Today, Nicole breaks down three easy, low-maintenance ways to generate income: bonds, high-yield cash accounts, and dividend stocks. Whether you’re looking to diversify your portfolio or just want your money working for you while you do literally anything else, this episode has you covered.

To start exploring your passive income options today, go to public.com/moneyrehab)

*All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Treasury accounts offering 6 months T-Bills are offered by Jiko Securities, Inc.,member FINRA & SIPC. Securities in your account are protected up to $500,000. For details: www.sipc.org). Banking services and the Bank Accounts are provided by Jiko Bank, a division of Mid- Central National Bank. For U.S. ****Investments in T-bills: Not FDIC Insured; No Bank Guarantee; May Lose Value. ****Treasuries risk disclosures, see https://jiko.io/docs/treasuries_risk_disclosure.pdf). See public.com/#disclosures-main) *

Advisory services for Treasury Accounts are provided by Public Advisors, an SEC-registered investment adviser. Public Advisors and Public Investing are affiliates and both charge a fee for their respective services. For more details, see Public Advisors’ Form CRS, Form ADV Part 2A, Fee Schedule, and Treasury Account page.

*4.1% APY as of 2/4/25. APY is variable and subject to change.