20 Years to Retirement? These 3 ETFs Could Make You Rich

"ETFs invest in a basket of stocks and have a low expense ratio. Some ETFs also pay dividends, generating passive income for you. While there are hundreds of ETFs to choose from, not all are the same. If you're 20 years into retirement and considering ETFs, look at high-quality options that can meet your investing goals."

"The fund is rebalanced quarterly, ensuring only the top 100 companies remain in it. QQQ has an expense ratio of 0.18%, which means you pay $18 for an investment of $10,000. It has $395 billion in assets under management, and it has the highest allocation to the technology sector (60%). This is the reason behind its exceptional performance in 2025."

"Its top 10 holdings include the Magnificent Seven, with the highest allocation to Nvidia (8.3%), followed by Apple Inc., Microsoft, Meta Platforms, Tesla, and Alphabet. The top 10 stocks constitute 46% of the portfolio. The holdings are doing all the heavy lifting for QQQ. Its performance is equally impressive. The fund generated a cumulative 1-year return of 19.47%, a 3-year return of 114.72%, and a 5-year return of 103%."

Exchange-traded funds provide an efficient investment approach through diversification across multiple stocks with low expense ratios and minimal individual stock research. ETFs offer passive income through dividends and simplify portfolio management. Invesco QQQ Trust, the second-most traded ETF in the U.S., tracks the Nasdaq 100 index and invests in the 100 largest non-financial companies. With a 0.18% expense ratio and $395 billion in assets under management, QQQ maintains heavy technology sector allocation at 60%, including top holdings like Nvidia, Apple, and Microsoft. The fund demonstrates strong performance with 19.47% one-year returns, 114.72% three-year returns, and 103% five-year returns, making it suitable for retirement investors seeking growth.

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