Making money in the stock market doesn't have to be complicated; the biggest obstacles to earning a great return often involve investors themselves. Getting caught up in the latest meme hype, taking on too much risk, or simply lacking patience are some of the biggest reasons investors don't achieve strong returns. Even if you aren't sure of what to invest in, there are exchange-traded funds (ETFs) that can help diversify your investment and keep your risk low.

A good example of that is the Health Care Select Sector SPDR Fund (NYSEMKT: XLV), which holds some of the top healthcare companies in the world, including Johnson & Johnson, UnitedHealth Group, and Pfizer. It has outperformed the market over the past decade, and I'll show you how investing $39,000 into the fund could potentially make you a millionaire.

In the past 10 years, the Health Care Select Sector SPDR ETF has generated total returns (which include dividends) of 260% -- that's higher than the S&P 500, which has amassed returns of 224% during that time frame. That averages out to a compound annual growth rate of just under 14%.

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Source Fool.com