Reaching a six-figure investment portfolio might seem like a lofty goal when starting at zero—but with consistent investing and a bit of patience, it is much more achievable than you think.
In fact, if you invested $500 a month into quality ASX exchange-traded funds (ETFs) and earned an average annual return of 10% (which is in line historical market returns but not guaranteed), you could build a $100,000 portfolio in 10 years.
Let's break it down.
The magic of monthly investing
By contributing $500 each month and letting those investments compound at a 10% annual return, your portfolio could grow to $100,000 in just a decade.
The good news is that this scenario doesn't rely on picking the next big winner or perfectly timing the market. It simply requires discipline and the patience to stay the course.
Importantly, this assumes reinvesting any dividends and riding out any short-term volatility. While markets won't always deliver smooth returns, consistent investing through both good times and bad helps average out the entry prices—this is called dollar-cost averaging.
Picking the right ETFs
To maximise your odds of success, it pays to focus on ASX ETFs that offer strong long-term potential. Here are a few ETF ideas that could help power your portfolio toward that $100k milestone:
Betashares Nasdaq 100 ETF (ASX: NDQ)
This ETF tracks the performance of the Nasdaq-100 Index, offering exposure to some of the world's most powerful tech names. This includes Apple (NASDAQ: AAPL), Microsoft (NASDAQ: MSFT), and Nvidia (NASDAQ: NVDA).
Betashares Asia Technology Tigers ETF (ASX: ASIA)
The Betashares Asia Technology Tigers ETF gives you exposure to a basket of the most dominant tech companies in Asia. This includes Taiwan Semiconductor Manufacturing (NYSE: TSM), Temu owner PDD Holdings (NASDAQ: PDD), and tech giant and WePay owner Tencent Holdings. These companies are central to the digital economy and cloud infrastructure growth across the region.
Vanguard MSCI Index International Shares ETF (ASX: VGS)
The Vanguard MSCI Index International Shares ETF holds over 1,500 international stocks from developed markets including the US, Europe, and Asia. Top holdings include Amazon (NASDAQ: AMZN), Meta Platforms (NASDAQ: META), and Nestlé (ETR: NESM). It provides excellent global diversification and exposure to some of the world's most resilient companies.
Betashares Australian Quality ETF (ASX: AQLT)
Finally, the Betashares Australian Quality ETF focuses on high-quality Australian companies with strong balance sheets and consistent earnings. It includes household names like CSL Ltd (ASX: CSL), Cochlear Ltd (ASX: COH), and REA Group Ltd (ASX: REA). These types of companies tend to weather volatility better and continue to deliver over time.
Keep investing, even when it gets tough
There will always be market noise and short-term dips, but the key to building serious wealth is staying invested. If you focus on accumulating high-quality ASX ETFs, reinvest your dividends, and continue to contribute regularly, reaching $100,000 is more than just possible—it is probable.
And once you reach that goal? You can keep going—because compounding really starts to snowball from there.
