Jaspreet Singh: Buy These 5 ETFs To Retire 10 Years Early — and the Catch Most Beginners Miss
You may think that picking the next Nvidia is the best way any investor can retire early. And that kind of luck is a pipe dream, right? But what if you didn’t need to find the next hot stock to ride into the stratosphere?
Jaspreet Singh, founder of Minority Mindset, doesn’t think so.
As an investor, Singh believes people put too much emphasis on finding the right individual stock when they should focus on building wealth strategically via exchange-traded funds, or ETFs. In a recent video, Singh shared five ETFs that he believes could help investors accelerate their path to early retirement — along with one key mistake many beginners make. Here’s what he recommended.
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1. Vanguard S&P 500 Growth ETF (VOOG)
Singh likes this ETF because it “gives you exposure to the S&P 500, but not all 500 companies.” According to the product summary, VOOG tracks the S&P 500 Growth Index, which includes large U.S. companies showing stronger‑than‑average earnings growth potential.
“So, this is only investing in those S&P 500 companies that are growing quickly, which means this fund is investing in the S&P 500 … but it’s just taken out those value and slower-growth companies, which are slowing down the potential growth,” Singh said.
He added that over the past decade, the fund has delivered average annual returns in the high‑teens, according to Singh — outpacing the broader market during strong growth cycles.
2. Technology Select Sector SPDR Fund (XLK)
Next on Singh’s list is XLK, another ETF that invests in S&P 500 companies — but with a tighter focus. The fund concentrates exclusively on technology stocks within the index, and Singh estimates it holds roughly 65 to 70 companies.
“It’s only invested in these tech companies over the last decade, and these tech companies have grown exceptionally fast,” Singh said. “Over the last 10 years, we have seen that this ETF has grown by an average of 21% a year, well outpacing the S&P 500.”
Singh added that if you believe technology will continue to play a dominant role in the economy over the next decade, this ETF may be worth considering.
3. Invesco Aerospace & Defense ETF (PPA)
For his third pick, Singh moves away from the S&P 500, opting instead for a fund focused on aerospace and defense, which he describes as “the Lockheed Martins of the world, the RTXs, the Boeings and the General Dynamics.”
Why does he like this ETF? It includes companies involved in building satellites, military equipment and aircraft, as well as firms connected to cybersecurity and defense technology. “Over the last 10 years, this ETF has grown by an average of 19%, which is … beating the S&P 500,” Singh said.
He also points to the relative stability of the defense sector, noting that government defense spending often continues even during economic slowdowns.
“Love it or hate it, that’s the way it works,” Singh said.
4. Invesco S&P 500 Momentum ETF (SPMO)
Next, Singh returns to the S&P 500 with this ETF, which invests in roughly the top 100 momentum stocks within the index. But what exactly does “momentum” mean?
“Momentum is when a stock is growing quickly,” Singh explained. “And what this does is buy and sell the companies in the S&P 500 that are already growing quickly to try to get in on the momentum trading.”
“Now, I’m not a trader,” he added, “but some people have found this to be profitable because the idea is, if a company is growing quickly, it might continue to grow quickly during the period where it has high momentum.”
While Singh acknowledges that this strategy can carry more risk, he notes that because these companies are in the S&P 500, they’ve already demonstrated value by meeting the size and stability criteria required to be part of the S&P 500.
5. VanEck Semiconductor ETF (SMH)
Singh appears particularly bullish on this ETF, which he says has “blown everything else out of the water.”
As its name suggests, the fund provides exposure to the semiconductor industry — or, as Singh puts it, companies “putting chips into everything, like your phone, your car, your AI servers, data centers, military equipment and medical devices.”
There is no shortage of demand for semiconductors. Singh notes that SMH has performed well over the past 10 years — averaging roughly 33% annually. Much of that growth, he says, has been driven by rapid advances in technology and computing power.
The Catch Many Beginners Miss
Singh emphasizes that investing is about playing the long game — not reacting emotionally to market headlines. Newer investors, he says, often underestimate the importance of staying invested during periods of volatility.
“When you try to beat the market, it does get a little more risky,” Singh said. “But the idea is that if you’re a long-term investor in something you believe has value, then that volatility is short-term — assuming it’s something you want to own for the long term.”
The Bottom Line
Instead of chasing the next hot stock du jour, investors focused on early retirement may want to look at diversified ETFs like the ones Singh recommends. Together, they span multiple growth‑oriented sectors while aligning with his broader philosophy: build wealth strategically, stay patient and let time do the heavy lifting.
This article was provided by MoneyLion.com for informational purposes only and should not be construed as financial, legal, or tax advice.
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