Great question, Sarim! Let’s break it down in a simple and clear way so you can understand exactly what passive income (dividends) means — in English and Khmer.
๐ฐ What is Passive Income
(Dividends)?
๐ง English Explanation:
Passive income means money you earn without
working actively every day. One common type is dividends — money
paid to you just for owning stocks or ETFs.
✅ If you own a company’s stock,
and that company makes a profit, it might pay you part of that profit every 3
months. That’s a dividend.
You don’t have to sell anything. The company just puts money
into your account.
๐ฃ️ Khmer Explanation:
Passive Income (แ
ំแូแแขแ
ិแ្แ្แៃ្แ) แាแแ័แแា៖
แ្แាแ់แ
ំแូแแែแแข្แแแแแាแแោแแិแแ
ាំแាแ
់แ្แើแាแแេแแ៉ោแแាแៀแแាแ់แ្แៃ។
๐
แិแីแួแแ្แុแแ
ំแោแแ
ំแូแแេះแឺ Dividends (แ្แាแ់แ
ំแេแแែแแ
ែแ)។
✅ แើแข្แแแាแ់แាแแ ៊ុแแ្แុแแ្แុแแ ៊ុแแាแួแ แ ើแแ្แុแแ ៊ុแแោះแแแាแแ
ំแេแ
แข្แแแขាแ
แแួแแាแแ្แាแ់แ
ំแេแแាแុแ្แាแ (dividends) แៀแแាแ់ แฃ แែ แฌ แฆ แែ។
แข្แแแិแแ
ាំแាแ
់แแ់แាแแ ៊ុแแោះแกើแ។
แ្แុแแ ៊ុแแឹแแแ្แូแแ្แាแ់แៅแแแីแិแិแោแแแแ់แข្แแ។
๐ Example in Real Life
Let’s say:
- You
buy 10 shares of a company like Coca-Cola (KO)
- Coca-Cola
pays a dividend of $0.46 per share every 3 months
- You
will get 10 × $0.46 = $4.60 every 3 months
➡️ That’s your passive income
— even if you do nothing!
๐งบ ETFs That Pay Dividends
(Good for Passive Income)
|
Ticker |
Name |
Dividend Yield |
|
VYMI |
Vanguard International High Dividend Yield ETF |
~4.5% |
|
SCHD |
Schwab U.S. Dividend Equity ETF |
~3.7% |
|
HDV |
iShares Core High Dividend ETF |
~4.1% |
|
IDV |
iShares International Select Dividend ETF |
~6.0% |
✅ These are great for monthly or
quarterly income without needing to work.
๐ง Why Passive Income Is
Important
|
Reason |
Benefit |
|
๐ต Extra income |
You earn money even when you're sleeping |
|
๐จ๐ฉ๐ง๐ฆ
Freedom |
Spend more time with family or on your business |
|
๐ Reinvest |
You can use dividends to buy more stocks or ETFs |
|
๐ง Retirement |
Passive income helps you retire early and safely |
✅ Summary
|
Term |
Meaning |
|
Passive income |
Money you earn with no active work |
|
Dividends |
Company profits shared with shareholders |
Would you like me to:
- Help
you find dividend-paying stocks or ETFs on Schwab?
- Create
a $100/month passive income plan?
Just tell me what goal you want! ๐