It's been a difficult year for many investors as stock prices continue to slide. But that doesn't necessarily mean that it's a bad time to invest.

Many stocks are priced at a steep discount right now, making it an affordable time to buy. If you load up on high-quality investments now, you could see significant gains when the market eventually recovers.

Exchange-traded funds, or ETFs, can be fantastic options for many investors. And there's one, in particular, that could turn $200 per month into nearly one-quarter of a million dollars with next to no effort: The S&P 500 ETF.

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Source Fool.com