The Vanguard Total Stock Market ETF is highly diversified, investing in every U.S.-listed company. While this can reduce risk, it may lead to lower returns. However, patient investors could build a million-dollar fortune with this ETF. It tracks the CRSP U.S. Total Market Index, offering exposure to a range of tech stocks, including Apple, Nvidia, and Microsoft.

Weighted by market capitalization, the ETF’s top holdings include Apple, Nvidia, and Microsoft, worth a combined $12.3 trillion. Despite its 3,500 holdings, these top three stocks make up 18.1% of the ETF’s value. The technology sector has a significant 38.5% weighting, providing exposure to AI companies like Broadcom and Oracle, along with smaller growth stocks like Lemonade.

Since 2001, the Vanguard ETF has had a 9.2% compound annual return, with accelerated returns of 14.2% over the last decade, driven by tech growth. Investing $50,000 today could potentially turn into $1 million in 23 years with a 14.2% annual return. For those investing $500 monthly, it could take 31 years to reach a million-dollar fortune.

While it may be unrealistic to expect continued 14.2% annual returns, the Vanguard ETF could still be a millionaire maker in 31 years, even with a return reverting to the long-term average of 9.2%. Given the momentum in AI and tech, above-average returns are possible in the coming years. However, it’s essential to consider other investment opportunities beyond this ETF.

Read more at Yahoo Finance: Could Buying the Vanguard Total Stock Market ETF in 2026 Make You a Millionaire?