8 Best ETF to Buy and Hold Forever - This is a Millionaire's Portfolio

Summary

In this video, the host reviews eight top ETFs suitable for long-term investment, emphasizing diversification and low expense ratios. They discuss the unique features of each, including the Invesco S&P 500 Equal Weight ETF for broad diversification, the Vanguard Total Stock Market ETF for broad exposure, and the VanX Semiconductor ETF for high-growth potential. The video also highlights the importance of considering dividend-focused and international ETFs for a well-rounded portfolio.

Takeaways

• 📈 The video reviews the top eight ETFs that are considered suitable for long-term investment, potentially 'forever' or until retirement.
• 💡 ETFs are exchange-traded funds that mimic a specific index or investment strategy and can be bought and sold on various exchanges, unlike mutual funds which are limited to specific brokers.
• 🌐 The Invesco S&P 500 Equal Weight ETF (RSP) is highlighted for its equal weighting of over 500 stocks, offering diversification and reduced risk compared to ETFs heavily weighted towards one or two companies.
• 💰 RSP has a low expense ratio of 0.2% and has shown a year-to-date return of 7%, with a 10-year return of over 11%.
• 🌍 The Vanguard Total Stock Market Index Fund (VTI) provides broad exposure to the American market with over 3,500 companies and an extremely low expense ratio of 0.03%.
• 💻 The Schwab US Dividend Equity ETF (SCHD) focuses on high-quality companies with a history of consistent dividend payments, offering a 3.58% dividend yield with a low expense ratio of 0.06%.
• 📊 The Invesco QQQ Trust ETF tracks the NASDAQ 100 Index, heavily weighted towards technology companies, and has shown significant growth with a 37% year-to-date return.
• 📈 The Vanguard S&P 500 ETF (VOO) aims to mirror the performance of the S&P 500 with a low expense ratio of 0.03% and a 10-year return of 12.82%.
• 🌐 The Vanguard Information Technology ETF (VGT) has a 10-year return of nearly 21% with an expense ratio of 0.1%, focusing on the technology sector.
• 🌏 The Vanguard International Dividend Appreciation ETF (VIGI) offers international diversification with a 2.5% dividend yield and an expense ratio of 0.15%.
• 💿 The VanX Semiconductor ETF (SMH) is passively managed and focuses on the semiconductor industry, showing a 10-year return of over 24% with an expense ratio of 0.35%.

Q & A

What does the term 'ETF' stand for and how does it differ from a mutual fund?

ETF stands for Exchange Traded Fund. It is similar to a mutual fund in that it is made up of a collection of companies that mimic a specific index or investment strategy. However, unlike mutual funds, ETFs can be bought and sold on any exchange or brokerage site, while mutual funds are typically restricted to being bought and sold through a specific broker.

What is unique about the Invesco S&P 500 Equal Weight ETF (RSP) compared to other ETFs?

The Invesco S&P 500 Equal Weight ETF (RSP) is unique because it is equally weighted, meaning no single company has a disproportionately large stake in the fund. This is intended to maximize diversification and reduce risk, as opposed to most ETFs which may be heavily weighted towards one or two companies.

What is the expense ratio of the Invesco S&P 500 Equal Weight ETF (RSP) and what does it imply for investors?

The expense ratio of the Invesco S&P 500 Equal Weight ETF (RSP) is 0.2%. This means that for every $10,000 invested, an investor would pay $20 in expenses. This is relatively low and implies lower costs for investors compared to funds with higher expense ratios.

What are the advantages of having a broad market ETF like the Vanguard Total Stock Market Index Fund (VTI) in a portfolio?

The Vanguard Total Stock Market Index Fund (VTI) offers broad exposure to the market by investing in a wide array of sectors and company sizes, including large, mid, and small cap stocks. This helps in diversifying the portfolio, minimizing risk, and providing a representation of the overall market performance.

How does the Schwab US Dividend Equity ETF (SCHD) select the companies it invests in?

The Schwab US Dividend Equity ETF (SCHD) uses a fundamental screen to select companies with a 10-year history of consistently paying dividends. It considers factors such as cash flow to debt ratio, return on equity, dividend yield, and growth rate, focusing on high-quality, large-cap companies.

What is the significance of the dividend yield provided by the Schwab US Dividend Equity ETF (SCHD) and how does it affect an investor's return?

The dividend yield of the Schwab US Dividend Equity ETF (SCHD) is 3.58%. This is significant as it provides a steady income stream for investors. It's important to note that the total return of the fund assumes that dividends are reinvested, which can contribute to an investor's overall return.

Why is the Invesco QQQ Trust ETF different from the other ETFs mentioned in the script?

The Invesco QQQ Trust ETF is different because it tracks the NASDAQ 100 Index, focusing heavily on technology and innovation companies. Unlike the other ETFs which emphasize diversification, QQQ is less diverse but offers high growth potential due to its concentration on high-tech companies.

What is the significance of the expense ratio of the Vanguard S&P 500 ETF (VOO) and how does it benefit investors?

The expense ratio of the Vanguard S&P 500 ETF (VOO) is 0.03%, which is very low. This means that for every $10,000 invested, an investor would only pay $3 in expenses. This low cost is beneficial for investors as it allows more of their investment to grow over time without being eroded by high fees.

How does the Vanguard Information Technology ETF (VGT) ensure that it closely tracks the MSCI US Information Technology Index?

The Vanguard Information Technology ETF (VGT) uses a full replication strategy, holding all the stocks in the index in the same proportions as the index. If full replication is not possible due to regulatory constraints, the fund uses a sampling strategy to approximate the index's key characteristics.

What is the VanX Semiconductor ETF (SMH) and why might it be a good option for investors interested in the growth of the electronics industry?

The VanX Semiconductor ETF (SMH) is an index fund that tracks the Semiconductor Sector Index, investing in companies that produce the building blocks of electronic devices such as CPUs, GPUs, and transistors. It might be a good option for investors because the demand for high-performing electronics is expected to continue growing, which could drive the performance of semiconductor companies.

Why did the script mention the importance of considering a bond ETF for a near-perfect portfolio?

The script mentioned the importance of considering a bond ETF to create a near-perfect portfolio because bonds can provide stability and diversification. They can help balance the risk associated with stocks, especially during market downturns, and can contribute to a more balanced investment strategy.

Outlines

00:00

📈 Introduction to Long-Term ETFs for Diversified Investments

The video introduces an in-depth review of eight ETFs (Exchange Traded Funds) that are considered suitable for long-term investment, potentially holding until retirement. ETFs are compared to mutual funds, highlighting their flexibility in being traded on any exchange and not being limited to a single brokerage company. The first ETF discussed is the Invesco S&P 500 Equal Weight ETF (RSP), which is unique due to its equal weighting strategy, rebalancing quarterly to maintain diversification and minimize risk. The financial performance of RSP is outlined, with its low expense ratio of 0.2% being a key feature. The video also emphasizes the importance of diversification in ETF investments to mitigate risks associated with heavily weighted assets like Apple in many funds.

05:06

💼 Diversified ETFs with Low Expense Ratios

The script continues with a review of the Vanguard Total Stock Market Index Fund (VTI), which offers broad exposure to the American stock market with over 3,500 companies. It discusses the fund's focus on diversification and its performance metrics, including a remarkably low expense ratio of 0.03%. The Schwab US Dividend Equity ETF (SCHD) is then highlighted as a high-performing dividend ETF, emphasizing its strategy of investing in companies with a consistent 10-year dividend payout history. The fund's portfolio balance, top sectors, and companies, along with its performance and 0.06% expense ratio, are detailed. The video also touches on the importance of reinvesting dividends for total return and tax implications on dividend payouts.

10:07

🚀 High-Tech and International Dividend ETFs for Growth and Stability

The video script delves into the Invesco QQQ Trust, an ETF that tracks the NASDAQ 100 Index, heavily weighted towards technology and innovation. It discusses the high-growth potential and risks associated with a non-diversified focus on tech companies. The script also mentions the possibility of investing in fractional shares for those who find full shares too expensive. The Vanguard S&P 500 ETF (VOO) is then reviewed as a foundational ETF with a similar strategy to RSP but without equal weighting, offering solid performance and an ultra-low expense ratio of 0.03%. The Vanguard Information Technology ETF (VGT) and the Vanguard International Dividend Appreciation ETF (VIGI) are highlighted for their respective focuses on the tech sector and international dividend growth, providing insights into their performance, holdings, and diversification benefits.

🌐 Semiconductor ETF and the Importance of Portfolio Diversification

The final paragraph of the script reviews the VanX Semiconductor ETF (SMH), which tracks the performance of the Semiconductor Sector Index, investing in companies that are key to the electronics industry. The script discusses the potential for continued growth in the demand for high-performance electronics, suggesting a bright future for the semiconductor industry. It details the fund's unique holdings, impressive performance metrics, and a slightly higher expense ratio of 0.35%. The script concludes by noting the absence of bond ETFs in the review but hints at a comprehensive portfolio video that includes them. It also humorously points out a personal financial milestone shared by the speaker.

Keywords

💡ETF (Exchange Traded Fund)

An ETF is a type of investment fund that is traded on stock exchanges, much like individual stocks. It's designed to track the performance of a specific index or sector. In the video, ETFs are presented as long-term investment options that can be held indefinitely, with a focus on diversification and performance within their respective niches.

💡Diversification

Diversification refers to the strategy of spreading investments across various financial instruments, industries, or other categories to minimize risk. In the context of the video, diversification is highlighted as a key feature of the discussed ETFs, helping to mitigate the impact of a poor-performing asset on the overall portfolio.

💡S&P 500

The S&P 500 is a stock market index that measures the performance of 500 large companies listed on stock exchanges in the United States. It is often used as a benchmark for the overall U.S. stock market. In the video, ETFs that aim to replicate or represent the S&P 500 are discussed, emphasizing their role in providing broad market exposure.

💡Equal Weight

Equal weighting in an ETF means that each company within the fund holds the same percentage of the total assets, as opposed to market-capitalization weighting where larger companies have a greater influence. The Invesco S&P 500 Equal Weight ETF (RSP) is highlighted in the video as an example of an equal-weighted fund that maximizes diversification.

💡Expense Ratio

The expense ratio is the annual fee that all funds charge their shareholders, expressed as a percentage of the fund's total assets. It is a critical factor in evaluating an investment's cost-effectiveness. The video discusses the low expense ratios of various ETFs, which is beneficial for long-term investors as it minimizes the ongoing costs of holding the investment.

💡Sector Allocation

Sector allocation refers to the distribution of a fund's assets across different economic sectors such as technology, healthcare, or finance. The video script mentions that the sector allocation of certain ETFs differs due to their unique weighting strategies, which can affect the fund's risk and return profile.

💡Dividend ETF

A dividend ETF is a type of fund that focuses on investing in dividend-paying stocks, providing investors with a steady income stream in addition to potential capital appreciation. The video mentions the Schwab US Dividend Equity ETF (SCHD) as an example, emphasizing its focus on high-quality companies with a history of consistent dividend payments.

💡Total Stock Market

A total stock market ETF aims to provide exposure to the entire stock market, including large, mid, and small-cap stocks. The Vanguard Total Stock Market Index Fund (VTI) is an example from the video, which seeks to replicate the performance of the overall U.S. stock market.

💡NASDAQ 100

The NASDAQ 100 is an index consisting of the 100 largest non-financial companies listed on the NASDAQ stock exchange, heavily weighted towards technology and innovation. The Invesco QQQ Trust ETF, which tracks this index, is discussed in the video as a high-growth investment option with a significant focus on the tech sector.

💡International Dividend

International dividend ETFs invest in companies outside the investor's home country, providing exposure to global dividend-paying stocks. The video mentions the Vanguard International Dividend Appreciation ETF (VIGI) as a means to diversify investments geographically and benefit from dividend growth across different markets.

💡Semiconductor

Semiconductors are materials used to make electronic components such as transistors, CPUs, and GPUs, which are essential for modern electronics. The VanX Semiconductor ETF (SMH) is highlighted in the video for its focus on this critical industry, suggesting potential for growth due to increasing demand for high-performance electronics.

Highlights

The video reviews the top eight ETFs for long-term investment, suggesting they could be held until retirement.

An ETF is explained as an exchange-traded fund, similar to a mutual fund but with the flexibility to be traded on any exchange.

The Invesco S&P 500 Equal Weight ETF (RSP) is highlighted for its equal weighting strategy to maximize diversification.

RSP's unique approach to rebalancing quarterly to maintain equal weighting is discussed.

The financials of RSP are detailed, including its performance statistics and the low expense ratio of 0.2%.

The importance of diversification in ETFs is emphasized to mitigate risk from heavily weighted assets like Apple.

The Vanguard Total Stock Market Index Fund (VTI) is introduced for its broad market exposure across various sectors.

VTI's performance and incredibly low expense ratio of 0.03% are presented as key benefits.

The Schwab US Dividend Equity ETF (SCHD) is noted for focusing on high-quality dividend-paying companies.

SCHD's strategy of capping investment in a single security and sector weight limits is explained.

Invesco QQQ Trust is discussed for its focus on technology and innovation within the NASDAQ 100 Index.

The high growth potential and risks associated with QQQ's concentration in the tech sector are highlighted.

Fractional shares are mentioned as an investment option for those who find full shares too expensive.

Vanguard S&P 500 ETF (VOO) is presented as a foundational ETF with a low expense ratio and solid performance.

Vanguard Information Technology ETF (VGT) is recommended for its focus on the tech sector with a 0.1% expense ratio.

Vanguard International Dividend Appreciation ETF (VIGI) is introduced for its international diversification and dividend growth.

VanX Semiconductor ETF (SMH) is highlighted for its focus on the semiconductor industry with a 10-year performance over 24%.

The absence of bond ETFs in the review is noted, suggesting they could complement the portfolio for a near-perfect investment mix.

Transcripts

In today's video, I am going to review the top eight ETF that a person could feel comfortable

with buying and holding forever.

And by forever, I'm really just saying until you're retired, kicking back and pini coladas

at your beach house.

And my expectation is that this group of ETF should continue to be at the top of the list

of performance within their niche for the next 10 to 20 years.

And if you need a quick refresher, an ETF is an exchange traded fund, which is just

like a mutual fund, and that it's made up of dozens, hundreds or even thousands of companies

that mimic a specific index or a strategy of investments.

But an ETF does differ from a mutual fund and that you can buy and sell an ETF on most

any exchange or brokerage site, regardless of which company is offering or selling the

ETF.

Whereas a mutual fund can only be bought and sold from a specific broker like a Vanguard

or a Fidelity, which is why so many 401ks are kept within one brokerage site, and they

tend to only offer their specific mutual funds.

Because that's how they make their money.

And with that covered, let's go ahead and get started with our first ETF of Invesco

S&P 500 equal weight ETF with a ticker symbol RSP, where it holds over 500 stock that are

meant to represent or index the S&P 500.

And the thing that makes this ETF unique is that it is equally weighted, meaning that

no one company is meant to have a larger stake of ownership within the fund.

And in order to do that, the fund is rebalanced every quarter.

Having the ETF as an equal weight is done to maximize the diversification, and it's

essentially reducing the risk by not putting all your eggs in one basket.

Like most ETFs will have it very heavily weighted with one or two companies.

For my investments, I do like having an ETF like this, since it does provide me a little

bit of a different risk exposure.

So many of the ETFs out there have Apple as their number one asset, and it often makes

up 10% or more of the total fund.

Now, don't get me wrong, I love Apple just as much as anyone else, but if they were ever

to take a major nosedive, they would take most everyone's retirement account with them.

As for the financials, RSP is trading at $149.69 and has a year-to-date of 7%.

The one year is just over 13%, five year at 10%, and the 10 year is a bit over 11%.

And one of the best parts about this fund is the expense ratio is only at 0.2%, which

means you're only paying $20 in expenses for every $10,000 invested.

But as a quick reminder, the total performance of a fund does include all of its expenses,

and it assumes that any dividends that are paid out are reinvested.

Now, when you look at the sectors of this fund, it has a different mix from most ETFs,

simply because it's equally weighted.

This is why industrials leads at over 15%, and IT is just below 13%.

But as I stated before, this fund is about diversity, and it shows in the sector allocation.

Overall, I love the diversification and the low expense ratio on this fund.

However, the downside to this fund is that it performs lower than most of the other funds,

at least in the shorter term.

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The next ETF is the Vanguard Total Stock Market Index Fund, with the ticker symbol VTI.

Since it is an index for the overall total market, it has over 3,500 companies in the

fund across a wide array of sectors.

This ties in with the prior ETF of having a focus on diversity and minimizing risk.

But this one does it by investing broadly in large, mid, and small cap stock, including

value and growth companies.

It's sort of the American melting pot of ETF to provide a very broad exposure.

Even though this has crossed so many companies, the sector is heavy in technology, and then

it balances out a little bit more between consumer discretionary, healthcare, and industrial.

And it should be no surprise that the top-held company is Apple, but at least it isn't over

the 10% mark.

As for performance, VTI is trading at $218.09, and it has a year-to-date of 16.18%.

The one year is just over 18%, five year at 11.3%, and the 10 year is a bit over 12%.

And just when you thought the expense ratio couldn't get any lower than that last ETF,

this one comes in at 0.03%, which means you're only putting in $3 in expenses for every $10,000

invested.

That's next to nothing for expenses.

My overall thoughts are similar on this one, where the diversity is great, the expenses

are incredibly low, and it has the American melting pot of companies mixed within the

fund.

Now on to the next ETF, which is the Schwab US Dividend Equity ETF, with the symbol SCHD.

I had to include one of the best performing dividend ETF because it rounds out anyone's

portfolio to give that extra option of the dividend if you need it.

And I love that they leverage a fundamental screen for including companies, such as cash

flow to the debt ratio, return on expenses, dividend yield, and of course the growth rate.

The goal of this ETF is to only invest in companies with a 10-year history of consistently

paying out dividends.

They make it a point to have healthy companies within the fund, and it's not just those dividend

traps that push a dividend for failing companies.

This approach focuses on high-quality companies that tend to be large-cap, and they do exclude

REITs altogether.

But I also like that they cap the total invested in a security at 4%, and no one sector can

exceed 25% of the total fund.

And this helps to ensure that they don't get lopsided with risk.

And when you look at the top sectors, it does tilt more towards health tech, finance, and

consumer non-durables.

And the top 10 companies is quite a bit different from any other ETF today because of the dividend

component.

But they are still high-quality companies like Verizon, UPS, Pepsi, and Coca-Cola.

SCHD is fairly well known, and as of today, it is trading at $72.38, and it has a year-to-date

of a -3.24%, a 1-year at 2.48%, 5-year at 11.24%, and the 10-year is just over 11%.

And it is nice to see that the expense ratio is incredibly low on this one too, at only

0.06%.

So that's only $6 for every $10,000 invested.

The distribution yield from this dividend is at 3.58%.

And this is where you do need to keep in mind that the total return assumes that the dividend

is reinvested.

But if you ever needed to, you could take the dividend payout if you wanted.

But regardless of your choice, you will need to pay taxes on all dividends in the year

that they're earned.

To recap this fund, it is a dividend-focused ETF with high-quality companies where it has

extremely low expenses and a very solid long-term performance.

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content.

The next fund is the Invesco QQQ Trust, which tracks the NASDAQ 100 Index, which is the

100 largest companies that lean in heavily into technology and innovation, which makes

up more than 50% of the fund, followed up by retail trade and healthcare.

And when you look at the top 10 holdings, this is more similar to what you would see

from most high-tech ETFs, with Apple, Microsoft, Nvidia, Tesla, and Alphabet in the top 10.

This ETF is very different from the first few that I had already spoken to, because

this one is not very diverse at all.

But it is high growth because it is focused on high-tech companies.

That means that the positive years may be great, and the negative years, well, they're

going to be horrible.

Because of the emphasis on technology, it happens to have the highest highs and the

lowest lows.

But when you balance it out over time, there's no question about it.

This is a great performer.

QQQ is trading today at $366.36, and it has a year-to-date over 37%.

One year at 25%, five years over 16%, and the 10-year is at 18.63%.

Now, I often get a question from people saying, "Hey, I can't invest in the stock or ETF because

it's too expensive for me."

Well, depending on your broker, you don't have to buy stock or ETF as a full share.

You can buy fractional shares.

In fact, on many broker sites like Robinhood, you can simply buy as much or as little as

you like.

For example, this ETF is $366, but you can chip in $20 if you like.

You can get the same percentage return whether you own a full share or a fractional share.

For example, if you had only $80 a month that you could invest with, you could literally

put in $10 into each ETF that I mentioned today.

But let's get back to QQQ.

The expense ratio is at 0.2%, so that's $20 for every $10,000 invested.

I like this fund quite a bit, and it has treated me very well over the years, and with artificial

intelligence blowing up, I expect funds like this to do extremely well over the next decade.

The next fund is the Vanguard S&P 500 ETF with the symbol VOO.

This happens to be similar to the Invesco RSP, but unlike that ETF, this Vanguard version

is not weighted.

Instead, it attempts to mirror the performance of the S&P 500 as best as it can.

And with it being the top 500 companies, they are large cap companies that have been around

for quite a while and they have a lot of inertia behind them.

VOO is trading at $402.95 where the year-to-date is over 16%, the one year is over 19%, five

years over 12%, and the 10-year is at 12.82%.

All that performance and the expense ratio is only at 0.03% or just $3 per $10,000 invested.

For me, this fund is the bread and butter ETF that is foundational and it makes sense

for most everyone to have in their portfolio.

Not much bad to say about it.

It has great performance and it has such a low expense ratio.

The next fund to review is the Vanguard Information Technology ETF, symbol VGT.

The strategy of VGT is to track the performance of the MSCI US Information Technology Index

as closely as possible.

This is achieved through a full replication strategy, which means that the fund holds

all of the stocks in the index in the same proportions.

If regulatory constraints prevent a full replication, the fund does use a form of a sampling strategy

to try to approximate the index's key characteristics.

The sector focus of VGT is in the information technology sector.

The sector includes companies that develop and sell hardware, software, and services

related to computers, telecommunications, and the internet.

But as you can see, it is invested heavily in the system, software, and tech hardware.

And you can see that it matches up perfectly with the benchmark or the index.

And when you move over to the holdings, they are heavy with Apple and Microsoft.

But it's nice to see some different players with the likes of Oracle, AMD, Adobe, and

Salesforce.

As of today, VGT is trading at $437.21, where the year-to-date is up over 39%.

One year is 36%, five are at 20%, and the 10 year is nearly 21%.

Okay, wow.

This fund has stellar performance over the long term, and the expense ratio is only at

0.1%, or $10 per $10,000.

To me, this is another no-brainer ETF that is relatively popular, and many of you probably

already have it.

But if you don't, I highly recommend that you look into it.

The next fund is the Vanguard International Dividend Appreciation ETF with the symbol

VIGI, where it's meant to track the performance of the S&P Global Dividend Growers Index.

This is an international fund to help ride out the market fluctuations that may be localized

only to the US.

This is an added layer of diversity that most investors try to incorporate within their

portfolio as an added security blanket.

And when you look at the regions where it's vested, it is 75% within Europe and the Pacific.

And for your context, the Pacific is inclusive of countries like Japan and New Zealand.

And when you look at the companies, you can see a mix of common and uncommon names like

Sony, Nestle, SAP, Novo Nordisk, and Novartis.

As of today, this ETF is trading at $73.69, and it's up over 9% year to date, 11% at one

year, and over 6% at the five year.

And the expense ratio is at 0.15%, while having around a 2.5% yield dividend.

Look, a person does not hold this fund for massive growth.

It's meant for consistent returns in a diverse market.

And with the added dividend, it does give it a nice rounded appeal.

Our next ETF is the VanX Semiconductor with the symbol SMH, where the fund is passively

managed like all of the others, and it's indexed against the Semiconductor Sector Index, where

the fund tries to mimic the index like the prior one that I just spoke to, and they try

to keep the stocks in similar proportions.

And if you're not aware, semiconductors are the building blocks in every electronic device

that we have, and it can comprise of CPUs, GPUs, or as simple as transistors.

Were the demand for high performing electronics?

Well, I think it's only going to continue to grow.

Which makes me think of the question, and I'm being quite serious right now, at what

age do I let my daughter have a cell phone?

If you have any advice, let me know in the comments below.

Now back to the top 10 holdings.

This fund is different from all the others with a unique makeup from companies that include

ASML Holdings, TI, Intel, AMD, and Broadcom, along with some of the few bigger names like

NVIDIA and TSMC.

Currently, SMH is trading at $150.36, and it's up over 46% year to date, 45% at the

one year, 24% at the five years, and it's over 24% at the 10 year mark.

I believe that this may be the best performance of all the ETF today, and that does come with

a little bit of an added risk since it is hyper-focused on semiconductors.

This fund also has one of the higher expense ratios at 0.35%, or $35 per $10,000 invested.

With a 10 year performance of over 24%, this fund has long-standing results with relatively

low expense ratio.

This is a wonderful fund that isn't wildly popular.

To round out your portfolio with regards to growth, I think it's a good option to consider.

Now you may have noticed I did not cover any bond ETF, but if I had, then I would have

provided you a near-perfect portfolio.

And if you want to know what that looks like, then you can check it out in this video right

here.

And I have to say that I'm surprised that none of my other fellow Gen Xers have called

me out on the fact that my final balance is 865309.