Key Points S&P 500 ETFs can be a smart way to build wealth while limiting risk. A long-term outlook is key to maximizing earnings in the stock market. Investing in individual stocks may be a better way to earn above-average returns. 10 stocks we like better than S&P 500 Index › Americans believe it takes an average net worth of $2.3 million to be considered wealthy, according to a 2025 survey from Charles Schwab, or around$839,000 to be "financially comfortable." Investing is one of the simples ...