Top Etfs For Long-Term Growth

Are you tired of trying to pick individual stocks that will outperform the market?

Do you want to invest in a diversified portfolio that will provide long-term growth?

Look no further than index funds. These low-cost, passive investments have become increasingly popular in recent years, and for good reason. They offer exposure to a broad range of stocks, bonds, and other assets, while minimizing risk and maximizing returns. But with so many options out there, it can be overwhelming to know where to start. That's why we've compiled a list of the top ETFs for long-term growth, so you can invest with confidence and watch your wealth grow over time.

Key Takeaways (a short summary)

• Index funds offer instant diversification, low cost, reduced risk, and easy accessibility, making them a great option for beginner investors who want to minimize their risk exposure.
• Investing in index funds can simplify your investments, reduce costs, and provide diversification, low risk, tax advantages, no bias investing, and potential for long-term growth.
• The decision to invest in actively managed funds versus index funds depends on personal investment goals and risk tolerance.
• Investing in ETFs offers advantages such as diversification, low cost, trading flexibility, transparency, tax efficiency, and potentially greater returns.
• Regularly monitoring and adjusting your index fund or ETF portfolio through tools such as portfolio trackers and performance analysis can help you stay on track and achieve your investment goals.

The rest of this article will explain specific topics. You may read them in any order, as they are meant to be complete but concise.

Understanding Index Funds

What are Index Funds?

Index funds are a type of mutual fund that aims to replicate the performance of a financial market index, such as the S&P 500 or the Dow Jones Industrial Average. Rather than trying to actively beat a benchmark, an index fund aims to be the benchmark, which is called passive management.

This means that the fund manager does not try to pick individual stocks to outperform the market but instead invests in all the companies that make up the index, in the same proportion as the index.

How do Index Funds Work?

When you buy shares in an index fund, you are pooling your money with other investors. The pool of money is used to buy shares in all the companies that make up the particular index. The fund manager regularly adjusts the share of the assets in the fund's portfolio to match the makeup of the index.

By doing so, the return on the fund should match the performance of the target index, before accounting for fund expenses.

What are the Benefits of Index Funds?

1. Diversification: Index funds offer instant diversification by spreading your bet across a wide pool of investment opportunities. By investing in all the companies that make up the index, you are spreading your risk across different sectors and industries.

2. Low Cost: Index funds have lower fees than actively managed funds because there is no active manager to pay. This means that you get to keep more of your returns.

3. Reduced Risk: Because the goal of index funds is to mirror the same holdings of whatever index they track, they are naturally diversified and thus hold a lower risk than individual stock holdings. This makes them a great option for beginner investors who want to minimize their risk exposure.

4. Easy to Invest: Index funds can be bought through your 401(k) or individual retirement account (IRA), or also via an online brokerage account. This means that you can easily invest in index funds without needing to have a lot of investment knowledge or experience.

5. Socially Responsible Investing: Socially responsible investing index funds are also available, which look to promote causes like protecting the environment or improving workplace diversity. This means that you can invest in companies that align with your values and beliefs.

The Benefits of Investing in Index Funds

Investing in index funds is a great way to simplify investing while also reducing costs. Index funds are passively managed and require less research and analysis, which results in lower fees. Additionally, they provide broad market exposure by holding all (or a representative sample) of the securities in a specific index, which helps to minimize the risk of losing some or all of your money.

Low Fees

One of the main benefits of investing in index funds is their low fees. Index funds charge lower fees than actively managed mutual funds because they require less research and analysis. The fees associated with actively managed mutual funds are often higher because the fund managers are actively buying and selling securities in an effort to beat the market.

Diversification

Another benefit of index funds is diversification. Index funds provide broad market exposure by holding all (or a representative sample) of the securities in a specific index. This helps to minimize the risk of losing some or all of your money.

By investing in a diverse range of securities, you can protect your portfolio from the risks associated with individual stocks.

Low Risk

Index funds are highly diversified, which helps to lower the risk of investing. They are also less volatile than individual stocks, which can be subject to large price swings. By investing in index funds, you can benefit from the long-term growth of the market without the risk associated with individual stocks.

Tax Advantages

Index funds generate less taxable income than other types of mutual funds. This is because they have lower turnover rates and are less likely to sell securities at a profit. This can result in significant tax savings for investors.

No Bias Investing

Index funds are not influenced by the biases of fund managers, who may have personal preferences or beliefs that affect their investment decisions. By investing in index funds, you can benefit from a diversified portfolio that is not influenced by the personal biases of fund managers.

Potential for Long-term Growth

Historically, index funds have outperformed other types of mutual funds over the long term. This is because they aim to match the performance of a designated index, which has a proven track record of growth.

By investing in index funds, you can benefit from the long-term growth of the market without the risk associated with individual stocks.

How to Invest in Index Funds

Index funds can be purchased through a 401(k), individual retirement account (IRA), or online brokerage account. Investing in index funds is a great way to simplify your investments and reduce costs.

By investing in a diversified portfolio of securities, you can benefit from the long-term growth of the market without the risk associated with individual stocks.

So, if you want to simplify your investments and reduce costs, consider investing in index funds today!

Actively Managed Funds versus Index Funds

When it comes to investing in mutual funds, there are two main types to choose from: index funds and actively managed funds. While both have their pros and cons, please understand the differences between them before deciding which one is right for you.

Index Funds: A Passive Investment Strategy

Index funds are a type of mutual fund that seeks to match the performance of a specific market benchmark, such as the S&P 500. They do this by investing in a specific list of securities, such as stocks of S&P 500-listed companies only. Index funds follow a passive investment strategy and maintain more or less the same mix of securities over time.

One of the biggest advantages of index funds is their low fees. Because they follow a passive investment strategy, they require less management and therefore have lower fees than actively managed funds.

Additionally, index funds provide an easy way to diversify your portfolio by replicating the performance of the stock market.

Actively Managed Funds: An Active Investment Strategy

Actively managed funds, on the other hand, invest in a changing list of securities, chosen by an investment manager. Their goal is to outperform the market, which means they rely on a team of live portfolio managers to make investment decisions.

Actively managed funds follow an active investment strategy and may adjust holdings based on how the market is performing.

While actively managed funds have the potential to outperform the market, they also come with higher fees. Because they require more management and research, their fees are generally higher than those of index funds.

Which One Should You Choose?

The decision of whether to invest in index funds or actively managed funds ultimately comes down to your personal investment goals and risk tolerance. If you're looking for a low-cost way to diversify your portfolio and are comfortable with market-average returns, index funds may be the way to go.

However, if you're willing to take on more risk in order to potentially achieve higher returns, actively managed funds may be worth considering.

It's worth noting that while index funds have consistently beaten actively managed funds in terms of performance, actively managed funds are still more popular. This may be due in part to the fact that actively managed funds offer the potential for higher returns, which can be attractive to investors.

When it comes to investing in mutual funds, there's no one-size-fits-all approach. Whether you choose index funds or actively managed funds depends on your personal investment goals and risk tolerance.

While index funds offer a low-cost way to diversify your portfolio and seek market-average returns, actively managed funds offer the potential for higher returns at the cost of higher fees.

Ultimately, the decision is up to you.

ETFs versus Traditional Index Funds

Passive investing has become increasingly popular in recent years, and two of the most popular options are ETFs and traditional index funds. While both of these investment vehicles offer low costs and strong long-term returns, there are some key differences to consider.

ETFs, or exchange-traded funds, are a type of investment fund that can be traded throughout the day like stocks. They are bought and sold through a broker, and can track not just an index, but an industry, a commodity, or even another fund.

ETFs are more akin to equities than to mutual funds, and can be more flexible and convenient than most mutual funds.

On the other hand, traditional index funds can be bought and sold only for the price set at the end of the trading day. They are bought and sold directly from the fund company, and are not traded on an exchange like ETFs.

Index funds are more similar to mutual funds than to equities.

Despite these differences, both index funds and ETFs offer diversification, low costs to invest, and strong long-term returns. When deciding between the two, please compare each fund's expense ratio, since that's an ongoing cost you'll pay the entire time you hold the investment.

It's also wise to check out the commissions you'll pay to buy or sell the investment, though those fees are usually less important unless you're buying and selling frequently.

Expense Ratio

The expense ratio is the annual fee that a fund charges to cover its operating costs. It's expressed as a percentage of the fund's assets, and is deducted from the fund's returns. For example, if a fund has an expense ratio of 0.5%, and it earns a return of 10%, the net return to the investor would be 9.5%.

When comparing ETFs and index funds, please look at the expense ratio of each fund. ETFs tend to have lower expense ratios than index funds, since they are typically more passive and require less management.

However, there are exceptions, and please compare the expense ratios of specific funds.

Commissions

Commissions are the fees that you pay to buy or sell an investment. They are typically charged by brokers, and can vary widely depending on the broker and the investment. When comparing ETFs and index funds, please consider the commissions that you'll pay to buy or sell each investment.

ETFs are typically more expensive to trade than index funds, since they are bought and sold through a broker. However, some brokers offer commission-free ETF trades, which can make them more cost-effective than index funds.

It is fundamental to compare the commissions of specific funds and brokers to determine which option is best for you.

Convenience

One of the main advantages of ETFs over index funds is their convenience. Since they are traded like stocks, you can buy and sell them throughout the day, and you can place limit orders and stop-loss orders to control your risk.

This can be especially useful for active traders who want to take advantage of short-term market movements.

Index funds, on the other hand, can only be bought and sold at the end of the trading day, and you can't place limit or stop-loss orders. This makes them less convenient for active traders, but can be an advantage for long-term investors who want to avoid the temptation to make frequent trades.

The Advantages of Investing in ETFs

If you're looking for a way to invest your money without having to pick individual stocks or bonds, exchange-traded funds (ETFs) may be the answer. Here are some of the advantages of investing in ETFs:

Diversification

One of the main advantages of ETFs is their ability to diversify your portfolio. ETFs cover most major asset classes and sectors, offering you a broad selection of investments. This means that you can spread your money across a range of investments, reducing the risk of losing all your money in one go.

Low cost

ETFs can be very cheap to own from an expense ratio perspective. You can easily find funds that cost less than 0.05% of your investment per year. This means that you can keep more of your money and let it grow over time.

Trading flexibility

ETFs can be traded like stocks, which means they can be purchased in small batches without special documentation or rollover costs. This makes them more accessible to investors who want to invest in small amounts.

You can also trade ETFs throughout the day, unlike mutual funds that are only traded once a day.

Transparency

ETFs are required to disclose their holdings on a daily basis, which means investors can see exactly what they are investing in. This transparency allows investors to make informed decisions about their investments and avoid any surprises.

Tax efficiency

ETFs are more tax-efficient than index funds because of the way they're structured. When you sell an ETF, you're typically selling it to another investor who's buying it, and the cash is coming directly from them.

Capital gains taxes on that sale are yours and yours alone to pay.

This means that you can avoid paying taxes on the gains of other investors.

Greater returns

Both ETFs and index funds have strong long-term performance. Over the long term, passive investment vehicles like ETFs and index funds have consistently outperformed the vast majority of active funds, making them great choices for most investors.

By investing in ETFs, you can take advantage of this long-term performance and potentially earn greater returns on your investment.

Things to consider

While ETFs offer many advantages, they are not suitable for all investors. It is fundamental to understand the underlying strategy of any ETF you're considering to ensure it aligns with your goals. Additionally, commissions can add up over time and become cost-prohibitive, so please pay attention to market trends and choose an ETF that matches your investment view.

Risks Associated with Index Funds and ETFs

Investing in index funds and ETFs can be a great way to diversify your portfolio and gain exposure to a wide range of companies and sectors. However, there are also risks associated with these types of investments that you should be aware of before investing your money.

Market Risk

One of the biggest risks associated with ETFs is market risk. This means that if the market as a whole goes down, the value of your ETF will also go down. It is fundamental to remember that ETFs are just an investment vehicle and are not immune to market fluctuations.

Lack of Downside Protection

Another risk to keep in mind when investing in index funds is the lack of downside protection. When you invest in an index fund, you are exposed to market corrections and crashes. While you may benefit from the upside when the market is doing well, you are also vulnerable to the downside.

Lack of Flexibility

Index funds may have less flexibility than non-index funds to react to price declines in the securities in the index. This means that if a particular stock in the index is performing poorly, the index fund may not be able to sell it quickly enough to avoid losses.

Tracking Error

An index fund may not perfectly track its index. This is known as tracking error, which is the difference between the performance of the fund and the performance of the index it tracks. While this may seem like a small issue, over time it can add up and result in lower returns than expected.

No Control Over Holdings

When you invest in an index fund, you have no control over the individual holdings in the fund. This means that you may end up owning shares in companies that you don't support or agree with.

Limited Exposure to Different Strategies

Index funds are designed to track a specific index, which means that they may not provide exposure to different investment strategies. This can limit your ability to diversify your portfolio and potentially miss out on other investment opportunities.

Dampened Personal Returns

Index funds are designed to match the performance of the index they track, which means that they may not provide the same level of returns as actively managed funds. While this may not be a significant issue for long-term investors, please be aware of the potential for lower returns.

Tax Risk

For active traders of ETFs, additional market risk and specific risk such as the liquidity of an ETF or its components can arise. Also, taxation issues can potentially happen, especially with actively managed ETFs that may not do all of their selling via an in-kind exchange.

Uncertain Performance in Extreme Conditions

ETFs in particular have shown a vulnerability in times of abnormally high volatility. When there is a lot of market uncertainty, ETFs may not perform as expected.

Concentration Risk

When investing in index funds, you may be exposed to concentration risk, which is the risk of having too much of your portfolio invested in a single sector or company. For example, if you invest in an S&P 500 ETF or fund, you are highly concentrated in a few stocks, such as Apple, Google, Facebook, Microsoft, and Amazon.

Choosing the Right Index Fund or ETF

Investing in index funds or ETFs can be a great way to diversify your portfolio and achieve your investment goals. However, with so many options available, it can be challenging to choose the right one.

Here are some tips to help you decide wisely:

1. Determine your investment goals

Before investing in an index fund or ETF, it's essential to determine your investment goals. Are you looking to save for retirement, buy a house, or pay for your child's education? Knowing your investment goals will help you narrow down your options and choose a fund that aligns with your objectives.

2. Understand the differences between index funds and ETFs

Index funds and ETFs may seem similar, but they differ in how they are traded and managed. ETFs are bought and sold on the market like stocks, while index funds are bought and sold at the end of each trading day.

ETFs can also be actively managed, while index funds are typically passively managed.

Understanding these differences can help you choose the right type of fund for your investment goals.

3. Compare fees

Both index funds and ETFs have management fees and transaction fees that should be compared when choosing between them. Make sure to look at the expense ratio, which is the annual fee charged by the fund, as well as any transaction fees that may apply.

Choosing a fund with lower fees can help you maximize your returns over time.

4. Consider your investment horizon

Your investment horizon, or the length of time you plan to hold the fund, is an important aspect to keep in mind when choosing an index fund or ETF. If you have a long-term investment horizon of five years or more, index funds and ETFs may be the best choice.

However, if you have a shorter investment horizon, actively managed funds may be a better option.

If you're a buy-and-hold investor who doesn't want to manage a portfolio actively, index funds are an excellent choice.

5. Seek professional advice

If you're new to investing or unsure about which fund to choose, seeking professional advice from a financial advisor can be helpful. A financial advisor can help you identify and reach your investment goals, as well as take on much of the work.

6. Look for diversification

Both index funds and ETFs offer built-in diversification, which can help spread your investment across an index of securities for the cost of just a few shares. Diversification can help reduce risk and increase returns over time.

7. Choose a fund that aligns with your risk tolerance

When choosing an index fund or ETF, it's essential to consider your risk tolerance. Some funds may be riskier than others, so choose a fund that aligns with your comfort level. If you're risk-averse, consider a fund with a more conservative investment strategy.

Top-Performing Index Funds and ETFs for Long-Term Growth

1. Fidelity ZERO Large Cap Index Fund

The Fidelity ZERO Large Cap Index Fund is a great choice for investors who want exposure to large-cap stocks. This fund has no expense ratio, which means that investors can own it for free. The fund tracks the performance of the Fidelity U.S Large Cap Index, which includes companies like Apple, Microsoft, and Amazon.

2. Vanguard S&P 500 ETF

The Vanguard S&P 500 ETF is one of the most popular index funds in the world. This fund tracks the performance of the S&P 500 Index, which includes 500 of the largest publicly traded companies in the United States.

The fund has a low expense ratio of 0.03%, which means that investors can own it for a very low cost.

3. SPDR S&P 500 ETF Trust

The SPDR S&P 500 ETF Trust is another great choice for investors who want exposure to the S&P 500 Index. This fund has a slightly higher expense ratio than the Vanguard S&P 500 ETF, at 0.09%. However, it has a long track record of strong performance and is a popular choice among investors.

4. IShares Core S&P 500 ETF

The iShares Core S&P 500 ETF is another fund that tracks the performance of the S&P 500 Index. This fund has a slightly higher expense ratio than the Vanguard S&P 500 ETF, at 0.04%. However, it offers investors exposure to the same companies as the other funds on this list and has a long track record of strong performance.

5. Invesco S&P 500 Equal Weight ETF

The Invesco S&P 500 Equal Weight ETF is a unique fund that gives equal weight to all 500 companies in the S&P 500 Index. This means that smaller companies have the same weight as larger companies in the fund.

This can lead to higher returns over the long term, but it also comes with higher risk.

The fund has an expense ratio of 0.20%.

6. Schwab S&P 500 Index Fund

The Schwab S&P 500 Index Fund is another popular choice among investors who want exposure to the S&P 500 Index. This fund has a low expense ratio of 0.02% and tracks the performance of the S&P 500 Index.

It's a great choice for investors who want exposure to large-cap stocks at a low cost.

7. Shelton NASDAQ-100 Index Direct

The Shelton NASDAQ-100 Index Direct is a fund that tracks the performance of the NASDAQ-100 Index, which includes companies like Apple, Amazon, and Facebook. This fund has an expense ratio of 0.30%, which is higher than some of the other funds on this list.

However, it offers investors exposure to some of the most innovative companies in the world.

8. Invesco QQQ Trust ETF

The Invesco QQQ Trust ETF is another fund that tracks the performance of the NASDAQ-100 Index. This fund has a slightly lower expense ratio than the Shelton NASDAQ-100 Index Direct, at 0.20%. It's a great choice for investors who want exposure to some of the most innovative companies in the world.

9. Vanguard Russell 2000 ETF

The Vanguard Russell 2000 ETF is a fund that tracks the performance of the Russell 2000 Index, which includes small-cap stocks. This fund has an expense ratio of 0.10% and is a great choice for investors who want exposure to smaller companies.

10. Vanguard Total Stock Market ETF

The Vanguard Total Stock Market ETF is a fund that tracks the performance of the CRSP US Total Market Index, which includes all publicly traded companies in the United States. This fund has an expense ratio of 0.03% and is a great choice for investors who want exposure to the entire stock market.

11. IShares Core S&P US Growth ETF

The iShares Core S&P US Growth ETF is a fund that tracks the performance of the S&P 900 Growth Index, which includes companies that are expected to grow at a faster rate than the overall market. This fund has an expense ratio of 0.04% and is a great choice for investors who want exposure to growth stocks.

12. IShares ESG Advanced MSCI USA ETF

The iShares ESG Advanced MSCI USA ETF is a fund that tracks the performance of companies that meet certain environmental, social, and governance (ESG) criteria. This fund has an expense ratio of 0.12% and is a great choice for investors who want to invest in companies that are making a positive impact on the world.

13. IShares Morningstar Growth ETF

The iShares Morningstar Growth ETF is a fund that tracks the performance of the Morningstar US Growth Index, which includes companies that are expected to grow at a faster rate than the overall market.

This fund has an expense ratio of 0.25% and is a great choice for investors who want exposure to growth stocks.

14. SPDR Portfolio S&P 500 Growth ETF

The SPDR Portfolio S&P 500 Growth ETF is a fund that tracks the performance of the S&P 500 Growth Index, which includes companies that are expected to grow at a faster rate than the overall market. This fund has an expense ratio of 0.04% and is a great choice for investors who want exposure to growth stocks.

15. Vanguard High Dividend Yield ETF

The Vanguard High Dividend Yield ETF is a fund that tracks the performance of the FTSE High Dividend Yield Index, which includes companies with high dividend yields. This fund has an expense ratio of 0.06% and is a great choice for investors who want exposure to dividend-paying stocks.

Please note that the stock market can be volatile, and past performance is not a guarantee of future results. It's always a good idea to do your own research and consult with a financial advisor before making any investment decisions.

Monitoring and Adjusting Your Index Fund or ETF Portfolio

Investing in index funds is a great way to build wealth over time. However, please monitor and adjust your portfolio regularly to ensure that you are on track to meet your investment goals. Here are some tips to help you do just that:

Use a portfolio tracker app

Portfolio tracker apps can be a helpful tool for monitoring your investments. They allow you to test your investing choices and offer personalized advice for maximizing returns. With a portfolio tracker, you can easily see how your investments are performing and make adjustments as needed.

Evaluate your portfolio performance

It is fundamental to regularly evaluate the performance of your portfolio. Use a performance analysis and reporting tool to create and save reports based on a set of measurement criteria and compare your data to selected industry benchmarks.

This will help you understand how your portfolio is performing relative to the market and identify areas for improvement.

Check your portfolio regularly

Checking your investments too frequently can lead to excessive trading, but please monitor your portfolio regularly to ensure that you are staying on track. Most brokerages have some sort of tracking and research tool, but you can only use accounts affiliated with that broker.

A portfolio tracker is a simple and effective way to monitor your asset allocation and make adjustments as needed.

Compare your portfolio's performance with market indices

Comparing your portfolio's performance with a variety of indices can help you understand which asset classes have been driving performance. But an even more meaningful measure is to track your progress toward a specific investment goal.

This will help you stay focused on your long-term objectives and avoid getting distracted by short-term fluctuations in the market.

Be a hands-off investor

A hands-off investor is more likely to be drawn to index funds, ETFs, or target-date funds, than to picking individual stocks or other securities. A look at historic returns on the S&P 500 shows passively managed funds tend to outperform their actively managed counterparts over time.

However, even a passively-managed portfolio will need to be adjusted periodically as the beneficiary hits certain milestones, such as retirement.

Rebalancing your portfolio involves buying and selling assets to maintain your desired asset allocation. This is important because over time, some assets may perform better than others, causing your portfolio to become unbalanced.

Rebalancing your portfolio regularly will help you stay on track and ensure that you are not taking on too much risk.

Setting investment goals can help you stay focused and motivated. You can use a portfolio tracker app to set a savings goal or an income goal and then monitor your progress. This will help you stay on track and avoid getting distracted by short-term fluctuations in the market.

For short to medium-term investments, please check your portfolio once a month. For long-term positions, you should check your portfolio every three months. This will help you stay on top of your investments and make adjustments as needed.

Common Mistakes to Avoid When Investing in Index Funds and ETFs

Among the top common mistakes investors make is assuming that all index funds have the same fees. This is not the case, as fees can vary widely between index funds. It is fundamental to compare fees and choose the ones with reasonable fees to ensure you are getting the most out of your investment.

Investing in niche indexes can be risky and may not provide the expected returns. It is fundamental to stick to broad-based indexes that provide exposure to a wide range of companies and sectors.

Investing in index funds should be a long-term strategy, not a way to gamble or speculate on short-term market movements. It is fundamental to have a long-term perspective and not react to short-term market movements.

Before investing in index funds, please understand the investment and the risks involved. This will help you make informed decisions and minimize risk.

Investing in a company just because you like it or because it's popular can be a mistake. It is fundamental to evaluate the company's financials and fundamentals before investing.

Investing in index funds requires patience and a long-term perspective. Trying to time the market or reacting to short-term market movements can be detrimental to the investment strategy.

Frequent buying and selling of index funds can lead to higher fees and taxes, which can eat into the returns. It is fundamental to have a long-term perspective and avoid frequent buying and selling.

Investing in just one index fund or ETF can be risky. It is fundamental to diversify the portfolio by investing in different asset classes and sectors.

Index funds do not provide protection from market corrections and crashes, so please have a plan to manage the downside risk.

Research suggests that index investors don't always understand what they're investing in, so please do your due diligence and understand the investment before investing.

While taxes are an important consideration, focusing too much on them can lead to suboptimal investment decisions. It is fundamental to consider taxes, but not let them be the only factor in your investment decisions.

By avoiding these common mistakes, investors can make informed decisions and achieve their investment goals. Remember to have a long-term perspective, diversify your portfolio, and understand the investment before investing.

Closing remarks and recommendations

So, we've talked about the top ETFs for long-term growth, and I hope you found it helpful. But before you rush off to invest in these funds, let me offer a different perspective.

Investing in index funds is a great way to diversify your portfolio and achieve long-term growth. But please remember that investing is not a one-size-fits-all approach. What works for one person may not work for another.

Before you invest in any ETF, take the time to understand your own financial goals and risk tolerance. Consider your age, income, and other investments you may have. Ask yourself what you hope to achieve with your investments, and how much risk you're willing to take on.

It's also important to remember that past performance is not a guarantee of future results. Just because a certain ETF has performed well in the past does not mean it will continue to do so in the future. Market conditions can change quickly, and even the best ETFs can experience losses.

My final thought is this: investing in index funds is a great way to achieve long-term growth, but it's not a magic bullet. It takes time, patience, and a willingness to take on some risk. So, do your research, understand your own financial goals, and invest wisely. With a little bit of luck and a lot of hard work, you can achieve your financial dreams.

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3 Best ETFs For Long-Term Investments

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Links and references

1. 1. SEC guide to mutual funds and ETFs
2. 2. List of the 20 best index funds books of all time by BookAuthority
3. 3. US News list of the 7 best long-term ETFs to buy and hold
4. 4. ETF.com guide "If You Can"
5. 5. Vanguard report on exchange-traded funds
6. 6. The Motley Fool list of the best long-term ETFs to invest in
7. sec.gov
8. forbes.com
9. franklintempletonindia.com
10. nerdwallet.com
11. fool.com
12. schwab.com
13. fidelity.com
14. vanguard.com
15. investopedia.com
16. money.com

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Note for my reference: (Article status: preliminary)