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2022-02-28

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War, Inflation, Rising Interest Rates: 6 Stocks for Tumultuous Times

2022-02-21

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Can You Retire a Millionaire With ETFs Alone?

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Growth stocks did worse, touching","content":"<html><head></head><body><p>The U.S. stock market entered correction territory this past week. Growth stocks did worse, touching bear market territory. Investors worried about inflation and rising interest rates. Now war threatens to disrupt Europe.</p><p>The knee-jerk reaction might be to give up, sell stocks, and ride out the volatility, but that could mean missing out on bargains in quality stocks.</p><p>“What I don’t want to see people do is sell after we’ve had such a share drawdown, after we have finally entered a correction,” says SoFi Technologies head of investing strategy Liz Young. Investors can research some new ideas that can weather the current environment, looking for good deals amid market turmoil.</p><p>RBC multi-industry analyst Deane Dray says that investors should focus on high-quality stocks. That means companies with strong management teams, profit margins, and cash flow.</p><p>Earnings matter, too. “You want a company with a strong E in its P/E ratio,” says Young. Steadily growing earnings offset any compression in price/earnings ratios brought on by either inflation or geopolitical conflict.</p><p>Investors can also search for companies with more U.S. exposure as tensions rise in Europe. That can help account for the possibility that things take longer than hoped for to resolve across the Atlantic.</p><p>“Geopolitical volatility [is] an opportunity to gain exposure to longer-term positive trends,” says Baird machinery analyst Mig Dobre. “ Deere is a great example.” Deere shares (ticker: DE) are down about 15% since mid-February, possibly because roughly 6% of the company’s sales come from Russia.</p><p>Companies that can grow in all types of conditions have an advantage. CarMax (KMX) aims to sell two million cars a year in five years, up from roughly 1.2 million units in fiscal-year 2021. The company’s volume goal is one of the reasons that Baird analyst Craig Kennison put CarMax stock on his list of best ideas for 2022.</p><p><img src=\"https://static.tigerbbs.com/a1b7887613aa3ed90eccc0c3ed2fc5c3\" tg-width=\"1099\" tg-height=\"620\" width=\"100%\" height=\"auto\"/><img src=\"https://static.tigerbbs.com/6ab1cbe718993ffa32a5d3b854ed8962\" tg-width=\"1074\" tg-height=\"114\" width=\"100%\" height=\"auto\"/>Evoqua Water Technologies(AQUA) provides water and wastewater treatment for residential, commercial, and industrial customers. About 80% of sales are generated in the U.S., and the company is less reliant than other firms on capital spending, notes RBC multi-industry analyst Deane Dray. That means if corporate budgets tighten as the global economy gets more uncertain, Pittsburgh-based Evoqua is less at risk. And everyone in the U.S. will still need water, no matter what happens overseas. Dray’s price target is $50, about 50 times estimated calendar-year 2022 earnings. That’s not cheap, but investors get stability and growth. Earnings are expected to double over the next three years.</p><p><img src=\"https://static.tigerbbs.com/945168d2daa1183f11aa39d09418380b\" tg-width=\"1095\" tg-height=\"582\" width=\"100%\" height=\"auto\"/></p><table><thead><tr><th>Company / Ticker</th><th>Recent Price</th><th>52-Week Change</th><th>2022E EPS</th><th>2022E PE</th></tr></thead><tbody><tr><td>Deere / DE</td><td>$342.76</td><td>-1.51%</td><td>$23.19</td><td>14.8</td></tr></tbody></table><p>The Moline, Ill., farm- and construction-equipment maker generates about 70% of its sales in North and South America. When commodity prices rise, due to weather—or a war in Europe—U.S. farmers can benefit. Russia remains a risk, but the combination of higher commodity prices, rising farm-equipment age, and the trend toward precision-farming technology can overwhelm any temporary hiccup. Mig Dobre, the Baird machinery analyst, has a price target of $487 for Deere (DE), up more than 40% from recent levels. That works out to about 21 times Wall Street’s estimated calendar-year 2022 earnings of $23.19. Those earnings are expected to increase almost 20% from 2021 earnings of $19.61 a share.</p><p><img src=\"https://static.tigerbbs.com/fde8f01fd614bf55be73c6b2b0118309\" tg-width=\"1079\" tg-height=\"585\" width=\"100%\" height=\"auto\"/></p><table><thead><tr><th>Company / Ticker</th><th>Recent Price</th><th>52-Week Change</th><th>2022E EPS</th><th>2022E PE</th></tr></thead><tbody><tr><td>American Water Works / AWK</td><td>$148.6</td><td>2.03%</td><td>$4.45</td><td>33.4</td></tr></tbody></table><p>“Anytime water utilities do poorly, or just have a period of poor performance, we start going to work,” says Jay Rhame, CEO and portfolio manager at Reaves Asset Management, a firm dedicated to investing in infrastructure and utility stocks. “They are so reliable, so consistent—getting a cheaper valuation doesn’t come often.”</p><p>American Water Works (AWK) shares dropped more than 20% to start 2022, and now trade for about 33 times estimated 2022 earnings. That might look pricey, but earnings have grown like clockwork for years and are expected to advance at 8% or 9% a year for the foreseeable future. The company has boosted its dividend at about 10% a year on average for a decade.</p><p><img src=\"https://static.tigerbbs.com/21d63e1fd21a8d609a2736c5c0097c59\" tg-width=\"1083\" tg-height=\"593\" width=\"100%\" height=\"auto\"/></p><table><thead><tr><th>Company / Ticker</th><th>Recent Price</th><th>52-Week Change</th><th>2022E EPS</th><th>2022E PE</th></tr></thead><tbody><tr><td>Southern / SO</td><td>$62.88</td><td>8.86%</td><td>$3.55</td><td>17.7</td></tr></tbody></table><p>Atlanta-based Southern Co. (SO) has defensive, high-quality characteristics. Its dividend has grown at about 3% a year on average for the past decade, and shares now yield 4.3%. The shares of the multistate electric-and-gas utility trade for about 17 times estimated 2022 earnings of $3.55 a share. Rhame, of Reaves Asset Management, points out that in 2008, when the market dropped about 38%, Southern stock held its own. The stock is down almost 10% this year, partly because the company pushed back the timeline to start up new nuclear-power generating facilities in Georgia by three to six months. Two new reactors are now slated to be up and running by the end of 2023.</p><p><img src=\"https://static.tigerbbs.com/d3c132f1f8f0f504a2b828d945152d85\" tg-width=\"1079\" tg-height=\"584\" width=\"100%\" height=\"auto\"/></p><table><thead><tr><th>Company / Ticker</th><th>Recent Price</th><th>52-Week Change</th><th>2022E EPS</th><th>2022E PE</th></tr></thead><tbody><tr><td>CarMax / KMX</td><td>$105.15</td><td>-11.58</td><td>$7.32</td><td>14.4</td></tr></tbody></table><p>Benchmark analyst Mike Ward says car dealerships are good businesses. “Costs are variable, inventory is largely financed by vehicle manufacturers, and parts-and-service revenue offsets about 75% of fixed costs,” he says. Shares of Richmond, Va.–based CarMax (KMX), the largest used-car dealer in the nation, are down about 20% this year, trading for roughly 14 times estimated calendar-year 2022 earnings. Used-car prices are at record levels, a function of low inventories and low new-car production. Falling used-car prices are a risk, but Craig Kennison, the Baird analyst, says investors should focus on dealerships that can increase volumes so that earnings can grow, even if car prices dip.</p><p><img src=\"https://static.tigerbbs.com/2fea3d5882f4c6308dc7d173a49512aa\" tg-width=\"1075\" tg-height=\"586\" width=\"100%\" height=\"auto\"/></p><table><thead><tr><th>Company / Ticker</th><th>Recent Price</th><th>52-Week Change</th><th>2022E EPS</th><th>2022E PE</th></tr></thead><tbody><tr><td>Constellation Brands / STZ</td><td>$215.01</td><td>-1.34%</td><td>$11.34</td><td>19</td></tr></tbody></table><p>Before Covid, Constellation Brands (STZ) was one of the fastest-growing large-capitalization beverage stocks, according to J.P. Morgan analyst Andrea Teixeira. Coming out of Covid, volume growth is accelerating as the U.S. wine and beer distributor continues to invest in its brands, such as Corona beer. Shares are down about 15% this year. Investors are worried that profit margins will take a hit as the company ramps up new capacity. But Teixeira notes that new capacity will result in higher volume and improving profit margins. Shares trade for about 19 times estimated calendar-year 2022 earnings per share of about $11.34. Earnings growth is expected to be about 13% a year on average for the next few years.</p></body></html>","source":"market_watch","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>War, Inflation, Rising Interest Rates: 6 Stocks for Tumultuous Times</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWar, Inflation, Rising Interest Rates: 6 Stocks for Tumultuous Times\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-02-28 13:50 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.marketwatch.com/articles/6-safe-stocks-usa-51645840741?mod=search_headline><strong>Barrons</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The U.S. stock market entered correction territory this past week. Growth stocks did worse, touching bear market territory. Investors worried about inflation and rising interest rates. Now war ...</p>\n\n<a href=\"https://www.marketwatch.com/articles/6-safe-stocks-usa-51645840741?mod=search_headline\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"DE":"迪尔股份有限公司","SO":"美国南方公司","AQUA":"Evoqua Water Technologies Corp.","STZ":"星座品牌","KMX":"车美仕","AWK":"美国水务"},"source_url":"https://www.marketwatch.com/articles/6-safe-stocks-usa-51645840741?mod=search_headline","is_english":true,"share_image_url":"https://static.laohu8.com/599a65733b8245fcf7868668ef9ad712","article_id":"1157835242","content_text":"The U.S. stock market entered correction territory this past week. Growth stocks did worse, touching bear market territory. Investors worried about inflation and rising interest rates. Now war threatens to disrupt Europe.The knee-jerk reaction might be to give up, sell stocks, and ride out the volatility, but that could mean missing out on bargains in quality stocks.“What I don’t want to see people do is sell after we’ve had such a share drawdown, after we have finally entered a correction,” says SoFi Technologies head of investing strategy Liz Young. Investors can research some new ideas that can weather the current environment, looking for good deals amid market turmoil.RBC multi-industry analyst Deane Dray says that investors should focus on high-quality stocks. That means companies with strong management teams, profit margins, and cash flow.Earnings matter, too. “You want a company with a strong E in its P/E ratio,” says Young. Steadily growing earnings offset any compression in price/earnings ratios brought on by either inflation or geopolitical conflict.Investors can also search for companies with more U.S. exposure as tensions rise in Europe. That can help account for the possibility that things take longer than hoped for to resolve across the Atlantic.“Geopolitical volatility [is] an opportunity to gain exposure to longer-term positive trends,” says Baird machinery analyst Mig Dobre. “ Deere is a great example.” Deere shares (ticker: DE) are down about 15% since mid-February, possibly because roughly 6% of the company’s sales come from Russia.Companies that can grow in all types of conditions have an advantage. CarMax (KMX) aims to sell two million cars a year in five years, up from roughly 1.2 million units in fiscal-year 2021. The company’s volume goal is one of the reasons that Baird analyst Craig Kennison put CarMax stock on his list of best ideas for 2022.Evoqua Water Technologies(AQUA) provides water and wastewater treatment for residential, commercial, and industrial customers. About 80% of sales are generated in the U.S., and the company is less reliant than other firms on capital spending, notes RBC multi-industry analyst Deane Dray. That means if corporate budgets tighten as the global economy gets more uncertain, Pittsburgh-based Evoqua is less at risk. And everyone in the U.S. will still need water, no matter what happens overseas. Dray’s price target is $50, about 50 times estimated calendar-year 2022 earnings. That’s not cheap, but investors get stability and growth. Earnings are expected to double over the next three years.Company / TickerRecent Price52-Week Change2022E EPS2022E PEDeere / DE$342.76-1.51%$23.1914.8The Moline, Ill., farm- and construction-equipment maker generates about 70% of its sales in North and South America. When commodity prices rise, due to weather—or a war in Europe—U.S. farmers can benefit. Russia remains a risk, but the combination of higher commodity prices, rising farm-equipment age, and the trend toward precision-farming technology can overwhelm any temporary hiccup. Mig Dobre, the Baird machinery analyst, has a price target of $487 for Deere (DE), up more than 40% from recent levels. That works out to about 21 times Wall Street’s estimated calendar-year 2022 earnings of $23.19. Those earnings are expected to increase almost 20% from 2021 earnings of $19.61 a share.Company / TickerRecent Price52-Week Change2022E EPS2022E PEAmerican Water Works / AWK$148.62.03%$4.4533.4“Anytime water utilities do poorly, or just have a period of poor performance, we start going to work,” says Jay Rhame, CEO and portfolio manager at Reaves Asset Management, a firm dedicated to investing in infrastructure and utility stocks. “They are so reliable, so consistent—getting a cheaper valuation doesn’t come often.”American Water Works (AWK) shares dropped more than 20% to start 2022, and now trade for about 33 times estimated 2022 earnings. That might look pricey, but earnings have grown like clockwork for years and are expected to advance at 8% or 9% a year for the foreseeable future. The company has boosted its dividend at about 10% a year on average for a decade.Company / TickerRecent Price52-Week Change2022E EPS2022E PESouthern / SO$62.888.86%$3.5517.7Atlanta-based Southern Co. (SO) has defensive, high-quality characteristics. Its dividend has grown at about 3% a year on average for the past decade, and shares now yield 4.3%. The shares of the multistate electric-and-gas utility trade for about 17 times estimated 2022 earnings of $3.55 a share. Rhame, of Reaves Asset Management, points out that in 2008, when the market dropped about 38%, Southern stock held its own. The stock is down almost 10% this year, partly because the company pushed back the timeline to start up new nuclear-power generating facilities in Georgia by three to six months. Two new reactors are now slated to be up and running by the end of 2023.Company / TickerRecent Price52-Week Change2022E EPS2022E PECarMax / KMX$105.15-11.58$7.3214.4Benchmark analyst Mike Ward says car dealerships are good businesses. “Costs are variable, inventory is largely financed by vehicle manufacturers, and parts-and-service revenue offsets about 75% of fixed costs,” he says. Shares of Richmond, Va.–based CarMax (KMX), the largest used-car dealer in the nation, are down about 20% this year, trading for roughly 14 times estimated calendar-year 2022 earnings. Used-car prices are at record levels, a function of low inventories and low new-car production. Falling used-car prices are a risk, but Craig Kennison, the Baird analyst, says investors should focus on dealerships that can increase volumes so that earnings can grow, even if car prices dip.Company / TickerRecent Price52-Week Change2022E EPS2022E PEConstellation Brands / STZ$215.01-1.34%$11.3419Before Covid, Constellation Brands (STZ) was one of the fastest-growing large-capitalization beverage stocks, according to J.P. Morgan analyst Andrea Teixeira. Coming out of Covid, volume growth is accelerating as the U.S. wine and beer distributor continues to invest in its brands, such as Corona beer. Shares are down about 15% this year. Investors are worried that profit margins will take a hit as the company ramps up new capacity. But Teixeira notes that new capacity will result in higher volume and improving profit margins. Shares trade for about 19 times estimated calendar-year 2022 earnings per share of about $11.34. Earnings growth is expected to be about 13% a year on average for the next few years.","news_type":1},"isVote":1,"tweetType":1,"viewCount":541,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9097638945,"gmtCreate":1645433125687,"gmtModify":1676534027481,"author":{"id":"4107492096953530","authorId":"4107492096953530","name":"Elsheikh","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4107492096953530","authorIdStr":"4107492096953530"},"themes":[],"htmlText":"Cool","listText":"Cool","text":"Cool","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9097638945","repostId":"1127393260","repostType":2,"repost":{"id":"1127393260","kind":"news","pubTimestamp":1645425357,"share":"https://ttm.financial/m/news/1127393260?lang=&edition=fundamental","pubTime":"2022-02-21 14:35","market":"us","language":"en","title":"Can You Retire a Millionaire With ETFs Alone?","url":"https://stock-news.laohu8.com/highlight/detail?id=1127393260","media":"Motley Fool","summary":"KEY POINTSETFs can track broad stock market indexes, making them great for wealth accumulation.The e","content":"<html><head></head><body><h2>KEY POINTS</h2><ul><li>ETFs can track broad stock market indexes, making them great for wealth accumulation.</li><li>The earlier you get started, the less you have to sock away each month to reach millionaire status by retirement.</li><li>ETFs let you focus on your overall investing strategy and leave the specific investing details to the fund&#39;s management.</li></ul><p>ETFs can be an incredibly powerful journey at many stages along your retirement journey.</p><p>If you want to retire as a millionaire, you&#39;d better get started on your journey soon. At a savings rate ordinary people might be able to afford, it&#39;s a process that&#39;s achievable, but it can take decades. Fortunately, ETFs serve as a superb investing tool that can make it easier for you to reach that target.</p><p>Indeed, you can retire a millionaire with ETFs alone, as long as you manage your end to end financial plan appropriately. You&#39;ll need to start early enough, invest enough money in an aggressive enough strategy, and convert some money to higher certainty choices as your retirement approaches. In many ways, in fact, ETFs can make your investing job easier as you strive to become a millionaire by retirement.</p><h2>Why ETFs can help you out</h2><p>Ultimately, an ETF is just a pre-designed collection of investments. The key advantage of any given ETF is that it offers a one-stop-shop to buy multiple investments within the framework of its underlying strategy, often with low overhead costs. That lets you as an investor focus on the overall strategy or strategies that you&#39;re interested in following, and then let the ETFs handle the work of picking the specific investments within that strategy.</p><p>Do you want to invest in the S&amp;P 500? There are several ETFs that will let you track that index. Do you want international exposure without having to become an expert in other countries&#39; accounting rules? There are ETFs that will help there, too. Are you ready to start converting some of your assets to bonds to give you higher-certainty cash flows for your retirement? There are even ETFs that can help out on that front.</p><p>If you want to get the long-term benefits of investing without the hassle or effort of scouring financial statements to try to separate winners from losers, ETFs can be a very powerful tool in your arsenal.</p><h2>Are there any trade-offs?</h2><p>All that said, there is still no such thing as a free lunch in investing, and ETFs are no exception to that rule. ETFs generally come with ongoing management fees that you&#39;ll pay every year for owning them. Still, those fees could be a bargain compared to the hassle of managing a diversified portfolio.</p><p>In addition to the fees, since ETFs are frequently passively managed to match a strategy, chances are you&#39;ll perform somewhere in line with the average of following that strategy. You&#39;ll be less likely to wildly outperform, but at the same time, you&#39;ll be less likely to wildly trail it, too.</p><p>On top of that, since ETFs are simply collections of other assets, you&#39;ll need to dig into their holdings to have a clear understanding of what you own. If you want to pay attention to valuation or diversification, you&#39;ll need to investigate each of your ETFs to make sure you didn&#39;t wind up inadvertently over-invested in an asset you&#39;re not really comfortable holding.</p><h2>How long will it take to get there?</h2><p>The following table shows how many years it will take to get to millionaire status starting from $0, depending on how much you can sock away each month and what rate of return you earn. As should be obvious from that table, the more you can sock away and the higher the rate of return you earn, the less time it will take for you to become a millionaire.</p><p>Over long periods, the stock market has delivered annualized returns somewhere between the 8% and 10% levels, though those returns are neither guaranteed nor are they smooth. That makes market tracking ETFs a wonderful tool to use over the long run to attempt to reach millionaire status.</p><p>As for the monthly investment amounts in that table, those top amounts were not pulled out of thin air. They are based on maxing out 401(k) and IRA contributions for the year. In particular:</p><ul><li>$2,833.33 would max out both a 401(k) and an IRA for an investor age 50 or up. The annual limits in that age bracket are $27,000 for 401(k) contributions and $7,000 for IRA contributions.</li><li>$2,250.00 would max out a 401(k) for an investor age 50 or up.</li><li>$2,208.33 would max out both a 401(k) and an IRA for an investor under age 50. The annual limits in that age bracket are $20,500 for 401(k) contributions and $6,000 for IRA contributions.</li><li>$1,708.33 would max out a 401(k) for an investor under age 50.</li></ul><h2>Get started now</h2><p>Of course, it is possible to reach millionaire status saving less than those amounts, but it will take longer to reach that target. Don&#39;t despair if you can&#39;t start from scratch and reach your savings goal right away. If you start with what you can and add to your investment amounts when you&#39;re able, it beats putting off investing until later. After all, the less time you have until you retire, the more you&#39;ll have to sock away each month to reach the same end state.</p><p>So get started now, and give your ETFs the best chance they can of helping you reach retirement as a millionaire.</p></body></html>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Can You Retire a Millionaire With ETFs Alone?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nCan You Retire a Millionaire With ETFs Alone?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-02-21 14:35 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2022/02/20/can-you-retire-a-millionaire-with-etfs-alone/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>KEY POINTSETFs can track broad stock market indexes, making them great for wealth accumulation.The earlier you get started, the less you have to sock away each month to reach millionaire status by ...</p>\n\n<a href=\"https://www.fool.com/investing/2022/02/20/can-you-retire-a-millionaire-with-etfs-alone/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"DIA":"道琼斯ETF","SPY":"标普500ETF"},"source_url":"https://www.fool.com/investing/2022/02/20/can-you-retire-a-millionaire-with-etfs-alone/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1127393260","content_text":"KEY POINTSETFs can track broad stock market indexes, making them great for wealth accumulation.The earlier you get started, the less you have to sock away each month to reach millionaire status by retirement.ETFs let you focus on your overall investing strategy and leave the specific investing details to the fund's management.ETFs can be an incredibly powerful journey at many stages along your retirement journey.If you want to retire as a millionaire, you'd better get started on your journey soon. At a savings rate ordinary people might be able to afford, it's a process that's achievable, but it can take decades. Fortunately, ETFs serve as a superb investing tool that can make it easier for you to reach that target.Indeed, you can retire a millionaire with ETFs alone, as long as you manage your end to end financial plan appropriately. You'll need to start early enough, invest enough money in an aggressive enough strategy, and convert some money to higher certainty choices as your retirement approaches. In many ways, in fact, ETFs can make your investing job easier as you strive to become a millionaire by retirement.Why ETFs can help you outUltimately, an ETF is just a pre-designed collection of investments. The key advantage of any given ETF is that it offers a one-stop-shop to buy multiple investments within the framework of its underlying strategy, often with low overhead costs. That lets you as an investor focus on the overall strategy or strategies that you're interested in following, and then let the ETFs handle the work of picking the specific investments within that strategy.Do you want to invest in the S&P 500? There are several ETFs that will let you track that index. Do you want international exposure without having to become an expert in other countries' accounting rules? There are ETFs that will help there, too. Are you ready to start converting some of your assets to bonds to give you higher-certainty cash flows for your retirement? There are even ETFs that can help out on that front.If you want to get the long-term benefits of investing without the hassle or effort of scouring financial statements to try to separate winners from losers, ETFs can be a very powerful tool in your arsenal.Are there any trade-offs?All that said, there is still no such thing as a free lunch in investing, and ETFs are no exception to that rule. ETFs generally come with ongoing management fees that you'll pay every year for owning them. Still, those fees could be a bargain compared to the hassle of managing a diversified portfolio.In addition to the fees, since ETFs are frequently passively managed to match a strategy, chances are you'll perform somewhere in line with the average of following that strategy. You'll be less likely to wildly outperform, but at the same time, you'll be less likely to wildly trail it, too.On top of that, since ETFs are simply collections of other assets, you'll need to dig into their holdings to have a clear understanding of what you own. If you want to pay attention to valuation or diversification, you'll need to investigate each of your ETFs to make sure you didn't wind up inadvertently over-invested in an asset you're not really comfortable holding.How long will it take to get there?The following table shows how many years it will take to get to millionaire status starting from $0, depending on how much you can sock away each month and what rate of return you earn. As should be obvious from that table, the more you can sock away and the higher the rate of return you earn, the less time it will take for you to become a millionaire.Over long periods, the stock market has delivered annualized returns somewhere between the 8% and 10% levels, though those returns are neither guaranteed nor are they smooth. That makes market tracking ETFs a wonderful tool to use over the long run to attempt to reach millionaire status.As for the monthly investment amounts in that table, those top amounts were not pulled out of thin air. They are based on maxing out 401(k) and IRA contributions for the year. In particular:$2,833.33 would max out both a 401(k) and an IRA for an investor age 50 or up. The annual limits in that age bracket are $27,000 for 401(k) contributions and $7,000 for IRA contributions.$2,250.00 would max out a 401(k) for an investor age 50 or up.$2,208.33 would max out both a 401(k) and an IRA for an investor under age 50. The annual limits in that age bracket are $20,500 for 401(k) contributions and $6,000 for IRA contributions.$1,708.33 would max out a 401(k) for an investor under age 50.Get started nowOf course, it is possible to reach millionaire status saving less than those amounts, but it will take longer to reach that target. Don't despair if you can't start from scratch and reach your savings goal right away. If you start with what you can and add to your investment amounts when you're able, it beats putting off investing until later. After all, the less time you have until you retire, the more you'll have to sock away each month to reach the same end state.So get started now, and give your ETFs the best chance they can of helping you reach retirement as a millionaire.","news_type":1},"isVote":1,"tweetType":1,"viewCount":319,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"hots":[{"id":9039671493,"gmtCreate":1646036013687,"gmtModify":1676534084171,"author":{"id":"4107492096953530","authorId":"4107492096953530","name":"Elsheikh","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4107492096953530","authorIdStr":"4107492096953530"},"themes":[],"htmlText":"Cool","listText":"Cool","text":"Cool","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9039671493","repostId":"1157835242","repostType":2,"isVote":1,"tweetType":1,"viewCount":541,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9097638945,"gmtCreate":1645433125687,"gmtModify":1676534027481,"author":{"id":"4107492096953530","authorId":"4107492096953530","name":"Elsheikh","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4107492096953530","authorIdStr":"4107492096953530"},"themes":[],"htmlText":"Cool","listText":"Cool","text":"Cool","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9097638945","repostId":"1127393260","repostType":2,"isVote":1,"tweetType":1,"viewCount":319,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"lives":[]}