Right now, 90% of investors are unknowingly risking their retirement savings. Why? They’re buying ETFs that either won’t grow enough or will tank during a market crash.
Here’s the good news: Vanguard manages over $8 trillion in assets. They have hundreds of ETFs, but you only need three to build a simple, long-term growth portfolio that has historically beaten many actively managed funds.
I’m going to break down:
Which three ETFs to buy
Their 10-year performance
Example allocations based on your age and risk tolerance
Quick disclaimer: I’m not a financial advisor, and this isn’t personalized financial advice. Always do your own research before investing.
The #1 Foundation ETF: Vanguard S&P 500 ETF (VO)
You’ve probably heard of VO, but here’s why it’s essential:
VO gives you a piece of the 500 largest US companies: Apple, Microsoft, Nvidia, Amazon, Broadcom, and more.
The ETF holds about 507 stocks, with the top 10 making up ~40% of the fund.
Tech dominates at 37%, followed by financials and consumer cyclical sectors.
Why VO beats picking individual stocks:
The S&P 500 automatically removes failing companies and adds winners, letting compound interest work its magic over decades.
10-year performance: ~14.9% annualized
$10,000 invested 10 years ago → nearly $40,000 today
Expense ratio: 0.03% ($3 per $10,000)
⚠️ Warning: VO is 100% stocks. In 2022, it dropped 18%, and in 2008, nearly 40%. If retirement is close, you’ll want to balance risk.
The #2 Growth Engine: Vanguard Information Technology ETF (VGT)
This is your accelerator for serious wealth:
10-year annualized return: ~22%
$10,000 invested 10 years ago → over $75,000 today
Why it’s so powerful:
Concentrated in tech leaders like Nvidia (17%), Apple (15%), Microsoft (12%)
Tech bets: AI, cloud computing, semiconductors—future growth sectors
Expense ratio: 0.09% ($9 per $10,000)
⚠️ Warning: VGT is volatile. In 2022, it dropped ~30%. Only use it for money you won’t need for 7–10 years.
The #3 Safety & Income: Vanguard Dividend Appreciation ETF (VIG)
Think “stability + passive income”:
Invests in companies increasing dividends for 10+ years
Top holdings: Broadcom, Microsoft, Apple, JP Morgan, Johnson & Johnson, Exxon
10-year annualized return: ~13%
2022 drop: ~10% (smoother ride than VO or VGT)
Expense ratio: 0.05% ($5 per $10,000)
VIG gives you diversification, growing income, and stability, perfect for approaching retirement.
Example Portfolio Allocations
Ages 35–45: 50% VO, 35% VGT, 15% VIG → aggressive growth with a safety cushion
Ages 45–55: 55% VO, 20% VGT, 25% VIG → growth with reduced volatility
55+ years: 50% VO, 10% VGT, 40% VIG → focus on preservation and dividend income
Bonus: Vanguard ETFs are tax-efficient, meaning you only pay capital gains when you sell. Over decades, that saves thousands of dollars.
Why Most Investors Fail
Wall Street wants you in expensive, actively managed funds with hidden fees. They don’t want you knowing the secret: three low-cost Vanguard ETFs can give you exposure to 1,000+ top companies across sectors at virtually no fees.
The strategy is simple:
Buy these three ETFs
Set up automatic monthly contributions
Adjust allocations as you age
Ignore market panic headlines
Even $500/month invested over 8 years could accumulate significant wealth, assuming historical returns continue.
💥 Ready to start building your future? Buy these ETFs now with moomoo and take advantage of one of the easiest ways to grow long-term wealth.
👉 Invest in Vanguard ETFs on moomoo today
#InvestSmart #VanguardETF #LongTermGrowth #FinancialFreedom #moomoo
