Investing on Wall Street comes with its inevitable ups and downs. Since this decade began, the iconic Dow Jones Industrial Average, broad-based S 500, and innovation-driven Nasdaq Composite have fluctuated repeatedly between bull and bear markets.

For short-term traders, these wild vacillations can be unnerving. But for long-term investors, volatility begets opportunity. With small-cap stocks vastly underperforming megacap companies of late, values abound for patient investors willing to look for them.

What follows are three small-cap stocks that have the ability to generate life-changing wealth for investors over the next 20 years.

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Source Fool.com