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.
💰 What is Passive Income
(Dividends)?
🧠 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.
🗣️ Khmer Explanation:
Passive Income (ចំណូលអចិន្រ្តៃ្យ) មានន័យថា៖
ប្រាក់ចំណូលដែលអ្នករកបានដោយមិនចាំបាច់ធ្វើការពេញម៉ោងជារៀងរាល់ថ្ងៃ។
👉
វិធីមួយក្នុងចំណោមចំណូលនេះគឺ Dividends (ប្រាក់ចំណេញបែងចែក)។
✅ បើអ្នកកាន់ភាគហ៊ុនក្នុងក្រុមហ៊ុនណាមួយ ហើយក្រុមហ៊ុននោះរកបានចំណេញ
អ្នកអាចទទួលបានប្រាក់ចំណេញជាដុល្លារ (dividends) រៀងរាល់ ៣ ខែ ឬ ៦ ខែ។
អ្នកមិនចាំបាច់លក់ភាគហ៊ុននោះឡើយ។
ក្រុមហ៊ុននឹងបញ្ជូនប្រាក់ទៅគណនីវិនិយោគរបស់អ្នក។
📘 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!
🧺 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.
🧠 Why Passive Income Is
Important
|
Reason |
Benefit |
|
💵 Extra income |
You earn money even when you're sleeping |
|
👨👩👧👦
Freedom |
Spend more time with family or on your business |
|
📈 Reinvest |
You can use dividends to buy more stocks or ETFs |
|
🧓 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! 😊