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Could Investing $50,000 Into S&P 500 Index Funds Be Enough to Get Your Portfolio to $1 Million by Retirement?

Investing in index funds can be an effective way for investors to diversify and track the overall market.

Could Investing $50,000 Into S&P 500 Index Funds Be Enough to Get Your Portfolio to $1 Million by Retirement?

Published July 25, 2026 · Category: Finance

Overview

The old adage that you need money to make money is true, as the benefits of compounding are greater when an investment balance is large. Consider that the S&P 500 (SNPINDEX: ^GSPC) has averaged an annual return of 10% for decades. That means an investment might, on average, double after just over seven years. But if someone were to invest $1,000, the gain would be much more modest than if they invested $10,000 or $50,000.

That's why there's a strong incentive to invest a large lump sum for those who can afford to do so. Below, I'll look at whether a $50,000 investment in S&P 500 index funds today could grow to $1 million or more by retirement.

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Source

Originally published at www.fool.com.

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Disclaimer: This article is for informational purposes only and does not constitute investment advice. Data may be delayed up to 15 minutes. Past performance is not indicative of future results. Consult a licensed financial advisor before making investment decisions.