<p>如果你想将投资组合的余额增长到超过 100 万美元，一个平衡风险和增长的好方法是投资于交易所交易基金（ETF）。通过多样化，ETF 可以最小化您的整体风险，同时从市场和行业特定趋势中受益而价值上升。这对投资者来说是双赢的，尤其是如果您不太喜欢挑选个别股票的话，这可能是一种简单的投资方式。</p>
<p>如果你有能力今天投资 34000 美元，我将向你展示如何在 30 年内将其潜在地增长到超过 100 万美元。一个可以帮助你实现这一目标的基金是 <strong>Vanguard Growth Index Fund ETF</strong>（VUG 0.12%）。</p>
<h2>为什么 Vanguard Growth Index ETF 是一个稳健的投资选择</h2>
<p>投资于成长股可以确保您的投资组合余额随着时间的推移增长。但是在长期内挑选最佳的成长股可能是一个挑战，特别是随着市场出现新的趋势。ETF 会随着时间调整和重新平衡以反映这些变化，确保它们始终与其规定的目标保持一致。</p>
<p>Vanguard Growth Index ETF 旨在投资于大市值成长股，这可以为投资者提供出色的回报。它的投资组合中包含 183 只股票，涵盖了各行业的顶级公司。<strong>苹果</strong>、<strong>礼来</strong> 和 <strong>维萨</strong> 都是其前十大持仓。然而，在前列有一些重度暴露于科技领域，因为苹果、<strong>微软</strong> 和 <strong>英伟达</strong> 占据了 ETF 总权重的三分之一以上。但对于许多成长或科技重点基金来说，这并不罕见；最大的科技股往往会成为最大的持仓。</p>
<p>从历史上看，该基金为投资者创造了强劲的回报。在过去的 20 年中，该 ETF 的总回报（包括股息）约为 915%。这平均下来是约 12.3% 的复合年增长率。</p>
<p><img src="https://imageproxy.pbkrs.com/https://media.ycharts.com/charts/9b7ecfc9ff3df6688a2ab4dd30b44987.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://media.ycharts.com/charts/9b7ecfc9ff3df6688a2ab4dd30b44987.png"/></p>
<p>YCharts 提供的 VUG 总回报水平数据</p>
<h2>ETF 如何能够产生 100 万美元的投资组合</h2>
<p>长期回报永远不是一种保证，但由于 Vanguard 基金专注于成长，有很大可能它可以继续在长期内产生强劲的市场超额回报。从历史上看，<strong>标普 500</strong> 指数的年回报率约为 10%。</p>
<p>假设该基金可以继续跑赢市场并每年产生 12% 的年回报，以下是 34000 美元投资在长期内的增长情况。</p>
<table>
<thead>
<tr>
<th>年份</th>
<th>投资价值</th>
</tr>
</thead>
<tbody>
<tr>
<td>10</td>
<td>105,599 美元</td>
</tr>
<tr>
<td>15</td>
<td>186,101 美元</td>
</tr>
<tr>
<td>20</td>
<td>327,974 美元</td>
</tr>
<tr>
<td>25</td>
<td>578,002 美元</td>
</tr>
<tr>
<td>30</td>
<td>1,018,637 美元</td>
</tr>
</tbody>
</table>
<p>作者计算。</p>
<p>投资需要一些时间才能起步，这就是为什么最好保持投资余额，让复利效应帮助其增长。投资余额越大，12% 回报的收益就会越大，这就是为什么在后期收益比初期显著得多的原因。</p>
<p>最终，您的回报可能会有所不同。但如果您幸运并且未来获得一个相当类似的平均回报，这个 Vanguard ETF 可能有助于您建立一个价值超过 100 万美元的投资组合。</p>
<h2>Vanguard Growth Fund 是一个稳健的买入并忘记投资</h2>
<p>如果你有能力这样做，投资于这只 Vanguard 基金然后忘记它可能是为自己打下坚实退休基础的绝佳方式。</p>
<p>投资中最大的障碍通常是追逐当下可能火热且短期内潜力更大的投资的诱惑。但事情并不总是按照计划进行，一个更稳定和安全的投资方式是将资金投入多样化基金并让其保持不动。这就是为什么忘记你的投资可能是一个好主意，并有助于确保你让它自生自灭。</p>
<p>只要你不需要这笔钱，将资金投资于这只 ETF 数十年可能是为自己打下一些未来潜在改变生活的回报的绝佳方式。</p>

微软

苹果

<p>Vanguard 成长指数基金 ETF（VUG）被认为是一个强劲的投资选择，适合那些希望在 30 年内将 1 万美元的投资增长到 100 万美元以上的投资者。该 ETF 专注于大型成长股，包括苹果和微软等大公司，并在过去 20 年中历史上产生了约 915% 的回报。假设年回报率为 12%，投资在未来可能会显著增长，使其成为寻求稳定增长的长期投资者的不错选择</p>

<p>If you want to grow your portfolio's balance to more than $1 million, a good way to balance risk and growth is by investing in an exchange-traded fund (ETF). An ETF can, through diversification, minimize your overall risk and at the same time, rise in value as it benefits from market and industry-specific trends. It's a win-win for investors and can be an easy way to invest, especially if you aren't comfortable with picking individual stocks.</p>
<div class="lb-trans"><p>如果你想将投资组合的余额增长到超过 100 万美元，一个平衡风险和增长的好方法是投资于交易所交易基金（ETF）。通过多样化，ETF 可以最小化您的整体风险，同时从市场和行业特定趋势中受益而价值上升。这对投资者来说是双赢的，尤其是如果您不太喜欢挑选个别股票的话，这可能是一种简单的投资方式。</p>
</div><p>And if you can afford to invest $34,000 today, I'll show you how that could potentially turn into more than $1 million over a 30-year period. One fund that can help you achieve that is the <strong>Vanguard Growth Index Fund ETF</strong>(VUG 0.12%).</p>
<div class="lb-trans"><p>如果你有能力今天投资 34000 美元，我将向你展示如何在 30 年内将其潜在地增长到超过 100 万美元。一个可以帮助你实现这一目标的基金是 <strong>Vanguard Growth Index Fund ETF</strong>（VUG 0.12%）。</p>
</div><h2>Why the Vanguard Growth Index ETF makes for a solid investment option</h2>
<div class="lb-trans"><h2>为什么 Vanguard Growth Index ETF 是一个稳健的投资选择</h2>
</div><p>Investing in growth stocks can be a surefire way to ensure your portfolio's balance rises over time. But picking the best growth stocks can be a challenge, especially over the long term and as new trends emerge in the market. ETFs adjust and rebalance over time to reflect those changes, ensuring that they are always lining up with their stated goals.</p>
<div class="lb-trans"><p>投资于成长股可以确保您的投资组合余额随着时间的推移增长。但是在长期内挑选最佳的成长股可能是一个挑战，特别是随着市场出现新的趋势。ETF 会随着时间调整和重新平衡以反映这些变化，确保它们始终与其规定的目标保持一致。</p>
</div><p>The Vanguard Growth Index ETF aims to invest in large-cap growth stocks, which can provide investors with excellent returns. It contains 183 stocks in its portfolio and includes top companies from a wide range of industries. <strong>Apple</strong>, <strong>Eli Lilly</strong>, and <strong>Visa</strong> are all within its top 10 holdings. There is, however, some heavy exposure to tech at the top as Apple, <strong>Microsoft</strong>, and <strong>Nvidia</strong> account for more than one-third of the ETF's overall weight. But that isn't unusual for many growth or tech-focused funds; the biggest tech stocks will often be among the largest holdings.</p>
<div class="lb-trans"><p>Vanguard Growth Index ETF 旨在投资于大市值成长股，这可以为投资者提供出色的回报。它的投资组合中包含 183 只股票，涵盖了各行业的顶级公司。<strong>苹果</strong>、<strong>礼来</strong> 和 <strong>维萨</strong> 都是其前十大持仓。然而，在前列有一些重度暴露于科技领域，因为苹果、<strong>微软</strong> 和 <strong>英伟达</strong> 占据了 ETF 总权重的三分之一以上。但对于许多成长或科技重点基金来说，这并不罕见；最大的科技股往往会成为最大的持仓。</p>
</div><p>Historically, the fund has generated strong returns for investors. In the past 20 years, the ETF has generated total returns (which include dividends) of around 915%. That averages out to a compounded annual growth rate of approximately 12.3%.</p>
<div class="lb-trans"><p>从历史上看，该基金为投资者创造了强劲的回报。在过去的 20 年中，该 ETF 的总回报（包括股息）约为 915%。这平均下来是约 12.3% 的复合年增长率。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://media.ycharts.com/charts/9b7ecfc9ff3df6688a2ab4dd30b44987.png" alt="" original-src="https://media.ycharts.com/charts/9b7ecfc9ff3df6688a2ab4dd30b44987.png"/></p>
<p>VUG Total Return Level data by YCharts</p>
<div class="lb-trans"><p>YCharts 提供的 VUG 总回报水平数据</p>
</div><h2>How the ETF can produce a $1 million portfolio</h2>
<div class="lb-trans"><h2>ETF 如何能够产生 100 万美元的投资组合</h2>
</div><p>Long-term returns are never a guarantee, but with the Vanguard fund focused on growth, there's a strong possibility that it can continue to generate strong market-beating returns over the long run. Historically, the <strong>S&amp;P 500</strong> index has generated returns of around 10% per year.</p>
<div class="lb-trans"><p>长期回报永远不是一种保证，但由于 Vanguard 基金专注于成长，有很大可能它可以继续在长期内产生强劲的市场超额回报。从历史上看，<strong>标普 500</strong> 指数的年回报率约为 10%。</p>
</div><p>Assuming that the fund can continue to outperform and generate an annual return of 12% per year, here's how a $34,000 investment could grow over the long term.</p>
<table>
<thead>
<tr>
<th>Year</th>
<th>Investment Value</th>
</tr>
</thead>
<tbody>
<tr>
<td>10</td>
<td>$105,599</td>
</tr>
<tr>
<td>15</td>
<td>$186,101</td>
</tr>
<tr>
<td>20</td>
<td>$327,974</td>
</tr>
<tr>
<td>25</td>
<td>$578,002</td>
</tr>
<tr>
<td>30</td>
<td>$1,018,637</td>
</tr>
</tbody>
</table>
<div class="lb-trans"><p>假设该基金可以继续跑赢市场并每年产生 12% 的年回报，以下是 34000 美元投资在长期内的增长情况。</p>
<table>
<thead>
<tr>
<th>年份</th>
<th>投资价值</th>
</tr>
</thead>
<tbody>
<tr>
<td>10</td>
<td>105,599 美元</td>
</tr>
<tr>
<td>15</td>
<td>186,101 美元</td>
</tr>
<tr>
<td>20</td>
<td>327,974 美元</td>
</tr>
<tr>
<td>25</td>
<td>578,002 美元</td>
</tr>
<tr>
<td>30</td>
<td>1,018,637 美元</td>
</tr>
</tbody>
</table>
</div><p>Calculations by author.</p>
<div class="lb-trans"><p>作者计算。</p>
</div><p>It can take some time for the investment to pick up steam, which is why you're always going to be better off keeping the balance invested, letting the effects of compounding to help it grow. The larger that balance becomes, the greater the gains on a 12% return become, which is why in later years the gains become much more significant than in the early stages.</p>
<div class="lb-trans"><p>投资需要一些时间才能起步，这就是为什么最好保持投资余额，让复利效应帮助其增长。投资余额越大，12% 回报的收益就会越大，这就是为什么在后期收益比初期显著得多的原因。</p>
</div><p>Ultimately, your returns will likely vary. But if you're fortunate and get a reasonably similar average return in the future, this Vanguard ETF could possibly help you build up a portfolio worth more than $1 million.</p>
<div class="lb-trans"><p>最终，您的回报可能会有所不同。但如果您幸运并且未来获得一个相当类似的平均回报，这个 Vanguard ETF 可能有助于您建立一个价值超过 100 万美元的投资组合。</p>
</div><h2>The Vanguard Growth Fund makes for a solid buy-and-forget investment</h2>
<div class="lb-trans"><h2>Vanguard Growth Fund 是一个稳健的买入并忘记投资</h2>
</div><p>If you can afford to do so, investing in this Vanguard fund and then forgetting about it can be an excellent way to set yourself up for a strong retirement.</p>
<div class="lb-trans"><p>如果你有能力这样做，投资于这只 Vanguard 基金然后忘记它可能是为自己打下坚实退休基础的绝佳方式。</p>
</div><p>Often the biggest obstacle in investing is the temptation to pursue investments which may be hot at the moment and which seem to have greater potential in the short term. But things don't always pan out that way, and a more stable and safer way to invest is by putting money into a diverse fund and letting it sit. And that's why forgetting about your investment can be good idea and help you ensure that you leave it alone.</p>
<div class="lb-trans"><p>投资中最大的障碍通常是追逐当下可能火热且短期内潜力更大的投资的诱惑。但事情并不总是按照计划进行，一个更稳定和安全的投资方式是将资金投入多样化基金并让其保持不动。这就是为什么忘记你的投资可能是一个好主意，并有助于确保你让它自生自灭。</p>
</div><p>As long as you don't need the money, keeping your money invested in this ETF for decades can be a great way to set yourself up for some potentially life-changing returns in the future.</p>
<div class="lb-trans"><p>只要你不需要这笔钱，将资金投资于这只 ETF 数十年可能是为自己打下一些未来潜在改变生活的回报的绝佳方式。</p>
</div>

1 Top Vanguard Fund That Could Turn $34,000 Into $1 Million

- 投资于交易所交易基金（ETF）可平衡风险与增长。  
- Vanguard Growth Index Fund ETF 过去 20 年回报约 915%。  
- 投资 $34,000 可能在 30 年后增值至 $1,018,637。  

一只顶级的先锋基金可能将 34,000 美元变成 100 万美元