告别死工资？深扒4只月月分红ETF，真的稳赚不赔？小心这3个大坑

Core Viewpoint - The article discusses the appeal and mechanics of monthly dividend ETFs, highlighting their potential for generating passive income for ordinary investors while emphasizing the importance of understanding their structure and risks [1][3]. Group 1: Monthly Dividend ETFs Overview - Four monthly dividend ETFs have gained attention for their ability to provide regular income, attracting many retail investors [1][3]. - These ETFs rely on either contractual obligations for monthly distributions or the stable cash flows and high dividends of their underlying companies [3][5]. Group 2: Specific ETFs Analysis - The Red Chip Dividend ETF (code 510720) tracks the Shanghai Red Chip Dividend Index, consisting of state-owned enterprises with stable dividend payouts, achieving 19 consecutive months of dividends since May 2024, with monthly payouts typically between 0.3% and 0.4% [5][20]. - The Cash Flow ETF (code 159399) focuses on companies with strong free cash flow, distributing dividends based on the cash flow status of its holdings, with a history of uninterrupted monthly dividends since July 2025 and a payout rate around 0.4% [7][9]. - The Wan Jia CSI Dividend ETF (code 159581) mandates monthly distributions if the fund's net asset value exceeds the benchmark by 0.01%, with a diverse portfolio and a management fee of 0.2%, resulting in monthly payouts between 0.3% and 0.5% [9][11]. - The Hong Kong Stock Connect High Dividend ETF (code 513820) targets high-dividend stocks in the Hong Kong market, achieving a dividend yield of 5.8% in 2025, with monthly payouts ranging from 0.4% to 0.6% [14][16]. Group 3: Investment Characteristics - The ETFs are characterized by low entry barriers, allowing investments starting from around 100 yuan, and are suitable for conservative investors seeking stable monthly income [25][27]. - The average annual yield for these ETFs ranges from 4% to 7%, with A-share ETFs yielding approximately 4% to 5% and Hong Kong ETFs yielding 5% to 7% after tax deductions [23][25]. - Investors are advised to use spare funds for these investments and to hold them for over a year to maximize the benefits of monthly dividends [29][35].