Three low-cost ETFs offer a strong growth portfolio for 40-year-olds with 25 years to invest.

For investors around 40 with $60,000 invested and 25 years before retirement, three low-cost ETFs—Vanguard Mega Cap Growth (MGK), Schwab U.S. Large-Cap Growth (SCHG), and iShares Core MSCI Total International Stock (IXUS)—provide a balanced growth strategy. MGK focuses on the largest U.S. growth companies, SCHG offers broader U.S. growth exposure, and IXUS diversifies internationally. These ETFs have low fees, strong past returns, and together create a portfolio that balances concentrated U.S. growth with international diversification, ideal for long-term compounding and growth potential.