Retiring a millionaire doesn't happen by accident. It takes years of patience, discipline, and steady investment returns. Because of their simplicity, exchange-traded funds can be the perfect fit for any long-term investor.

Exchange-traded funds, or ETFs, are buckets of individual stocks that trade under one ticker. It's a simple way for investors to diversify their portfolios because a few ETFs can expose you to hundreds of companies.

It's still important to invest based on your personality and risk tolerance. So, here are three very different ETFs that can help you build wealth over decades and potentially hit that million-dollar mark by the time you retire.

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Source Fool.com