How to Build a 7-Figure Portfolio with Just 3 Core Funds
“🧠 How to Build a 7-Figure Portfolio with Just 3 Core Funds”
Introduction:
Want to grow your wealth without obsessing over stock picks?
Millionaires don’t waste time chasing hype — they build their net worth through simple, high-quality, long-term investments.
You don’t need to be in the market all day. You don’t need 30 different holdings. You just need the right 3 funds — and a plan.
Here’s how to build a 7-figure portfolio using the same core funds we’ve outlined in our white papers.
✅ Why These 3 Funds?
Because they offer:
Long-term capital growth (S&P 500)
Reliable dividend income (Dividend Aristocrats)
Stable, inflation-resistant cash flow (REITs)
It’s the perfect blend of growth + income + resilience.
Let’s break it down.
1. 💼 VOO (or SPY): The Core Growth Engine
What it is:
Tracks the S&P 500, giving you exposure to America’s 500 largest, most profitable companies (Apple, Microsoft, Amazon, etc.)
Why it works:
Over any 20-year period, the S&P 500 has averaged 8–10% annual returns. This fund does the heavy lifting to grow your portfolio.
Goal: Long-term capital appreciation
Millionaire Move: Set up automatic monthly investments. Let compounding take over.
2. 💸 NOBL: The Dividend Aristocrats ETF
What it is:
An ETF holding companies that have raised dividends for 25+ straight years — the most stable, shareholder-friendly businesses in the U.S.
Why it works:
Strong historical returns
Lower volatility than growth stocks
Consistent dividend income that increases over time
Goal: Stable income and long-term growth
Millionaire Move: Reinvest dividends. Over 15+ years, this can accelerate your portfolio dramatically.
3. 🏢 REITs: Real Estate Without the Headaches
What they are:
We recommend a basket of high-quality, income-producing REITs like:
🏬 FRT – Federal Realty (essential retail)
🏘️ ESS – Essex Property Trust (West Coast housing)
🏢 O – Realty Income (monthly dividends)
🏪 NNN – National Retail Properties (triple-net tenants)
Why they work:
REITs offer:
Diversification outside the stock market
Monthly or quarterly income
Natural inflation protection through rent increases
Goal: Passive income + portfolio diversification
Millionaire Move: Use 10–20% of your portfolio here. Focus on quality. Reinforce your cash flow during market dips.
📊 Sample Allocation Strategy
This isn’t rigid — the key is consistency and discipline.
🔁 How to Put It on Autopilot
Here’s how you make it work without thinking:
Open a brokerage account (Fidelity, Schwab, or M1 Finance)
Set up automatic transfers right after payday
Divide your investment into the 3 categories above
Check in once a quarter. Rebalance once a year. That’s it.
🧠 Bonus: Why This Beats Most “Advisors”
Most financial advisors:
Charge 1–2% in fees
Over-diversify
Underperform the market
With this strategy, you’re:
Paying 0.03–0.35% in fees
Beating most actively managed funds
In full control of your money
📈 The 7-Figure Timeline
Let’s say you invest $2,000/month consistently across these three funds with an average return of 8%:
Faster if you increase contributions.
Slower if you stop.
But if you stay in the game, you win.
💡 Final Thought: Simple Systems Build Real Wealth
This 3-fund strategy isn’t flashy.
But neither is your 401(k) growing quietly in the background.
This is the same blueprint millionaires use — because it works.
Simple. Repeatable. Tax-efficient. Powerful.
🚀 Ready to Start?
At Invest Like a Millionaire, we walk you through exact allocations, automated setups, and long-term wealth plans built on these real-world funds.
You don’t need 20 stocks. You need 3 funds, a plan, and the discipline to follow it.
Absolutely! Here's the full blog post for #5: "The Exact Swing Trading System That Beats the Market (80% YTD vs. 25% SPX)", written for your Invest Like a Millionaire platform and based on your proprietary method:
