This analysis identifies three popular ETFs (SPY, VUG, and VIG) that the speaker would not buy as a long-term investor. For SPY, the stated annual expense ratio is 0.09%, higher than peers like VOO and IVV at 0.03%. An initial investment of $10,000 in 1993 would be valued at $265,000 today, a compound annual growth rate of 9.6%. The video recommends the VOO. VUG which tracks growth stocks, with $300 billion in the fund, is assessed. The fund generated 12% compound annual growth. A QQQ is recommended. VIG that focuses on dividend appreciation, possessing over $100 billion in assets, has 12.6 % of compound annual growth, but recommends another. It also provides a URL to download an ETF ebook.