Over time, the cost may increase greatly and bring poor returns to your investment. Do you know that in an investment of $ 50,000, the difference between 9 % of the return and 10 % return in 30 years is more than $ 209,000 during 30 years? The more you invest, the greater the difference.

This is why it is necessary to avoid costs, especially when trying to save retirement. The good news is that there are many exchange trade funds (ETFs) without high costs-these are those who want to pay attention to long-term investors.

Several ultra -low -cost ETFs may be investors who only want to invest in the market for a long time and do not want to worry about expenses. This may be an ideal choice. Vanguard S & P 500 ETF (NYSEMKT: Flight) and SCHWAB USS market ETF (Nysmkt: SCHB)Essence This is why you need to consider these ETFs as pillars to establish a combination of retired products.

If you just want to mirror S & P 500A simple strategy may be to invest in Vanguard S & P 500 ETF. It will enable you to expose the extensive index, which contains 500 the largest and safest investment you can have in the market. The tiny cost ratio is 0.03 %, and Vanguard Fund will not charge you too much.

The fund's return is almost the same as that of the S & P 500 Index in the past ten years, which is an excellent choice for investors who want to benefit from the long -term growth of the market.

The danger in the short term is that the S & P 500 Index is being traded at a record level, and it is corrected that it may expire. But from a historical point of view, this is a safe investment place, because the index ’s average annual annual income is about 10 %. Even if there may be some dull income, the investment index is usually a good way to bet on overall economic growth.

Another choice for investors is the major market ETF of Schwab US. The fund tracking Dow Jones Jollen American Wide Stock Market Index And make investors own a variety of stocks because it has 2,400 shares. The cost ratio of ETF is 0.03 %, which is as low as the above pioneer fund.

One of the disadvantages of investors is that too many diversification may lead to weaker benefits, because this means that top stocks may account for a small proportion of the total holdings of investment portfolios. Although the Schwab fund has achieved good results in the past ten years, it lags behind the S & P 500 index.

It is not important to decline from the S & P 500, but it is worth considering. The 30 % shareholding of the Schwab fund is related to UP technology stocks, followed by 13 % of finances, medical care accounted for 12 %, and consumers can exceed 10 % as appropriate.

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