Can investing in the 2026 US stock market ETFs make you a millionaire? An in-depth analysis of this fund's wealth accumulation potential

Investment Tools Covering the Entire Market

Vanderfund’s All-American Stock Market ETF (VTI) tracks the CRSP U.S. Total Market Index, covering 3,498 companies listed on U.S. exchanges. This highly diversified investment strategy means you can gain exposure to the entire stock market with just one fund — from AI giants like NVIDIA and Amazon to small-cap growth stocks like Lemonade Insurance, which surged 95% last year.

Diversification typically reduces volatility, but the trade-off is that, compared to funds focused on the S&P 500 or Nasdaq 100, returns may be relatively lower. However, this does not imply a lack of potential — the key lies in time and patience.

Structural Advantages with Tech Giants Support

This ETF is weighted by market capitalization, so the largest companies have greater influence. Apple, NVIDIA, and Microsoft together have a market cap of $12.3 trillion, accounting for only 18.1% of the fund but wielding significant weight.

In comparison, these three stocks make up 20.8% of the S&P 500 and 36.3% of the Nasdaq 100. This also explains why the ETF’s performance over the past five years has lagged behind these two indices — although both rode the tech wave, different weight structures led to variations in returns.

Overall, the tech sector accounts for 38.5% of this ETF, including not only the three giants but also tech leaders like Broadcom, Oracle, and Palantir. More importantly, the fund covers numerous small-cap tech innovation companies:

• Lemonade Insurance: An insurtech pioneer using AI to calculate premiums and process claims
• Tenable: A leader in vulnerability management within cybersecurity
• Serve Robotics: Developing last-mile delivery solutions in partnership with NVIDIA and Uber
• Sprouts Farmers Market: Operating 460 organic supermarkets across 24 U.S. states, with rapid growth

Timeline for Millionaire Wealth Accumulation

Since its inception in 2001, this fund has achieved a 9.2% annual compound return. Over the past decade, benefiting from explosive growth in the tech sector, the annualized return reached 14.2%.

Scenario of a $50,000 Lump Sum Investment:

Scenario of Monthly $500 Investment:

Achieving a 14.2% return sustainably over the long term is unlikely, but given the momentum of the AI revolution, surpassing average returns in the coming years is entirely possible — especially as this wave of innovation continues to penetrate small- and mid-cap companies. Even if the fund reverts to its long-term average of 9.2%, it can turn an ordinary investor into a millionaire within 31 years.

The True Value of Long-Term Holding

For investors who cannot invest a lump sum of $50,000 at once, a monthly investment of $500 is equally effective. The key is understanding that short-term market fluctuations are unimportant; what matters is how the power of compound interest can change your wealth landscape over enough time.

The core advantage of this ETF lies in its unparalleled diversification — 3,498 stocks mean individual company risk is thoroughly absorbed, and the natural evolution of industry and market cap structures ensures your investment always follows the pulse of economic growth.

Whether you are a conservative investor seeking steady long-term appreciation or a patient investor expecting the miracle of compound growth, the All-American Stock Market ETF offers a viable path to financial freedom.