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Automating $200 monthly into S&P 500 ETFs could reach $455,865 in 30 years
The example assumes about a 10% average annual gain and shows that most of the $455,865 total would come from investment growth rather than the $72,000 in contributions.
Yahoo Finance discusses a long-term scenario in which investing $200 per month could grow to $455,865 over 30 years by targeting returns aligned with the S&P 500 long-term average annual gain of around 10%. The piece frames the strategy as relying on consistent, automated contributions rather than market timing.
According to the math presented, $72,000 would be the original contributions, while $383,865 would come from net growth. The article also says much of that growth would be concentrated in the last 10 years of the 30-year time horizon.
The article further explains that recurring investments can be automated through employer payroll deductions when available, or through broker and retirement account custodians that support automatic monthly investing after one-time paperwork.
It notes that many brokerages now offer preset dollar purchases of S&P 500 ETFs such as the Vanguard S&P 500 ETF (VOO) and the SPDR S&P 500 ETF Trust (SPY), originally designed to make dollar-cost averaging easier for investors.
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