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#1 SPY tracks the S&P 500.. 0.0945% expense ratio, roughly 14% annualized over the past decade. This is the foundation. #2 ITOT covers the entire U.S. stock market including small and mid caps SPY doesn't touch. 0.03% expense ratio, over 2,500 holdings. One ETF for total U.S. exposure. #3 SCHG targets growth companies heavy in tech. Roughly 20 to 22% annualized over the last decade. More volatile but the compounding is significantly stronger over a long time horizon. #4 IWD is the opposite. Valu
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