Best Index Funds for Long-Term Investing
Index Funds

Best Index Funds for Long-Term Investing

The top-performing and most trusted index funds that offer diversified market exposure, low fees, and proven long-term wealth building for passive investors.

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01
Vanguard S&P 500 Index Fund (VOO/VFIAX)

Vanguard S&P 500 Index Fund (VOO/VFIAX)

The gold standard of passive investing tracking the 500 largest US companies with an ultra-low expense ratio of 0.03%. Warren Buffett famously recommends this fund as the best investment for most Americans.

Steady·Score +19
02
Vanguard Real Estate Index Fund (VNQ)

Vanguard Real Estate Index Fund (VNQ)

A diversified REIT index fund providing exposure to real estate investment trusts across commercial, residential, and specialized property sectors. Offers real estate diversification without direct property ownership.

Steady·Score +16
03
iShares MSCI Emerging Markets ETF (EEM)

iShares MSCI Emerging Markets ETF (EEM)

Focused exposure to fast-growing emerging economies in China, India, Brazil, and South Korea. Higher volatility than developed market funds but with significant long-term growth potential as these economies expand.

Steady·Score +15
04
Invesco QQQ Trust (QQQ)

Invesco QQQ Trust (QQQ)

The NASDAQ-100 tracking ETF heavily concentrated in technology giants provides exposure to the companies driving modern economic growth. Higher risk and higher reward than broad market funds over recent decades.

Steady·Score +12
05
Vanguard Total Bond Market Index (BND)

Vanguard Total Bond Market Index (BND)

A comprehensive bond index fund providing exposure to over 10,000 US investment-grade bonds. Adding BND to an equity portfolio reduces volatility and provides income, especially as investors approach retirement.

Steady·Score +11
06
Schwab US Broad Market ETF (SCHB)

Schwab US Broad Market ETF (SCHB)

Charles Schwab's ultra-low-cost total US market ETF with a 0.03% expense ratio covering 2,500+ stocks. A comprehensive, efficient choice for total US equity exposure in taxable or tax-advantaged accounts.

Steady·Score +11
07
Vanguard FTSE All-World ex-US (VEU)

Vanguard FTSE All-World ex-US (VEU)

This international equity fund excludes US stocks and covers developed and emerging markets at 0.07% expense ratio. Essential for US investors wanting global diversification beyond their home market bias.

Steady·Score +10
08
iShares Core S&P 500 ETF (IVV)

iShares Core S&P 500 ETF (IVV)

BlackRock's S&P 500 tracking ETF with exceptional liquidity, tight bid-ask spreads, and a 0.03% expense ratio. A top choice for investors seeking efficient, low-cost US large-cap equity exposure.

Steady·Score +7
09
Vanguard Total World Stock ETF (VT)

Vanguard Total World Stock ETF (VT)

A single fund providing instant diversification across 9,500+ stocks from 50+ countries at an expense ratio of 0.07%. The simplest possible way to own the entire global stock market in one investment.

Steady·Score +7
10
Fidelity ZERO Total Market Index Fund (FZROX)

Fidelity ZERO Total Market Index Fund (FZROX)

The first truly zero-expense-ratio index fund tracking the entire US stock market. Fidelity's zero-fee funds eliminate the single largest drag on long-term investment returns for buy-and-hold investors.

Steady·Score +6
11
Target Date Retirement Funds

Target Date Retirement Funds

All-in-one funds that automatically adjust their stock-bond allocation from aggressive growth to conservative income as the target retirement date approaches. The simplest possible one-fund retirement investing solution.

Steady·Score +5
12
Vanguard Total International Stock Index (VXUS)

Vanguard Total International Stock Index (VXUS)

Pairing the S&P 500 with this international fund covering 7,500+ stocks in developed and emerging markets outside the US creates a truly globally diversified equity portfolio at minimal cost.

Steady·Score +2
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Vanguard S&P 500 Index Fund (VOO/VFIAX)

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