Overview
- - Vanguard Total Stock Market ETF (VTI) offers full U.S. equity exposure via the CRSP U.S. Total Market Index with a 0.03% expense ratio, and article examples use its roughly 9.2% historical average to show paths to $1 million over about 30 years with steady contributions.
- - Vanguard S&P 500 Growth ETF (VOOG) holds 214 large-cap growth names from the S&P 500 and is cited with a 10-year average annual return of 17.49%, with scenarios showing small daily investments compounding over decades, though future returns are uncertain.
- - Schwab U.S. Dividend Equity ETF (SCHD) tracks the Dow Jones U.S. Dividend 100, requires at least 10 years of payouts plus strong cash flow and profitability, and currently yields well above the S&P 500 average, with top holdings including AbbVie, Lockheed Martin, and Merck.
- - Vanguard High Dividend Yield ETF (VYM) holds 579 stocks across 10 industries, leans into financials at roughly 22% and keeps tech exposure near 12%, positioning it for diversified income with potentially less short-term volatility than tech-heavy funds.
- - Analysts urge investors to compare near-lookalike funds on fees, index rules, and sector concentration, noting SCHD’s recent lag versus some dividend peers due to lower exposure to AI-driven winners and emphasizing disciplined plans over chasing performance.