{
  "id": 18227437,
  "title": "Could Investing $400 per Month in VTI Make You a Millionaire? Here's the Math.",
  "url": "https://urgent.news/2026/11/05/could-investing-400-per-month-in-vti-make-you-a-millionaire-heres-the",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-11-05T02:00:00.000Z",
  "source": {
    "name": "Motley Fool",
    "slug": "motley-fool",
    "url": "https://www.fool.com/investing/2026/11/04/could-investing-400-per-month-in-vti-make-you-a-mi/?source=iedfolrf0000001"
  },
  "original_language": "en",
  "account": "The Vanguard Morningstar Total Stock Market ETF, known as VTI, is a popular investment option. It actually holds over 3,500 different stocks, giving investors access to a diverse mix of U.S. companies, from small-cap to mid-cap stocks and value stocks. VTI provides a broader exposure to the market compared to just the S&P 500.\n\nTo determine if consistently investing $400 per month in VTI could turn one into a millionaire, let's examine how this investment might grow over time. Assuming a steady average annual return of 9.38%, which has been VTI's historical average over 25 years, the investment would grow to approximately $1.028 million after 34 years.\n\nIf we look at even stronger past returns, like the 10.95% annualized return VTI experienced over the past five years, the investment could potentially reach $1.05 million after 30 years. And with a more optimistic 14.87% annual return over the past ten years, one could potentially become a millionaire in just 25 years with a $1,000,709 portfolio.\n\nWhile these returns are historical averages and not guarantees, they illustrate the potential power of long-term investing in a well-diversified fund like VTI. The Motley Fool offers additional resources for those looking to improve their investment strategies.",
  "summary": "This low-cost index fund could deliver millionaire-making returns.",
  "key_points": [
    "Investing $400/month in VTI could potentially make one a millionaire.",
    "VTI holds over 3,500 U.S. stocks, offering broad market exposure.",
    "Historical returns show VTI could reach $1.028M in 34 years."
  ],
  "editors_take": "Relying on the broad diversification of a total market fund turns consistent monthly contributions into a viable path toward significant long-term wealth through the power of compounding historical returns.",
  "illustration": null,
  "coverage": {
    "outlets": 2,
    "also_reported_by": [
      {
        "outlet": "Nasdaq Markets",
        "title": "Could Investing $400 per Month in VTI Make You a Millionaire? Here's the Math.",
        "url": "https://urgent.news/2026/11/05/could-investing-400-per-month-in-vti-make-you-a-millionaire-heres-the-18235694",
        "published": "2026-11-05T02:20:00.000Z"
      }
    ]
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}