The iShares Core S&P Total U.S. Stock Market ETF (ITOT) returned 16.4% in 2025, with top 10 holdings representing 37% of assets. Analysts project S&P 500 earnings to grow 11% in 2026, driven by technology and financial sectors. However, if estimates prove optimistic, growth may be challenging. ITOT’s heavy tech weighting could lag if the market shifts. Nvidia, accounting for 7.3% of the fund, reported 62% revenue growth. Investors should monitor quarterly earnings reports for real-time insights. ITOT’s 33% allocation to tech may face challenges in sustaining growth.

Vanguard Total Stock Market ETF (VTI) offers similar exposure with a 0.03% expense ratio and $450 billion assets. Retirement savings can double with a simple habit change, allowing many Americans to retire earlier than expected. Retirement success depends on a shift from accumulating to distributing investments, not just selecting the best stocks or ETFs. By answering three quick questions, portfolios can be reworked for better retirement outcomes.

Read more at Yahoo Finance: ITOT’s 37% Concentration in Top Ten Holdings Could Make or Break 2026 Returns