- U.S.-listed ETFs have seen record inflows of $1.27 trillion in 2025.
- Vanguard S&P 500 ETF (VOO) has attracted nearly $125 billion year-to-date, setting a record for any single ETF.
- Precious metals, especially silver and gold-backed ETFs, are performing strongly with high inflows.
- The Securities and Exchange Commission is tightening regulations on leveraged ETFs.
Record Inflows in U.S. ETF Market
Exchange-traded funds (ETFs) have seen a boom in 2025, with the U.S. market racking up record inflows of $1.27 trillion by December 5, according to industry data. This surge highlights the growing preference among investors for these transparent and cost-effective investment vehicles.
The Vanguard S&P 500 ETF (VOO) stands out as a key player, having attracted nearly $125 billion year-to-date—making it the largest haul ever recorded by any single ETF. This impressive performance underscores the continued appeal of broad-based equity investments for long-term investors seeking diversification and low-cost access to the U.S. stock market.
Precious Metals ETFs See Surge
While core stock index funds dominate, precious metals ETFs are also experiencing significant growth. Silver has more than doubled in price this year, trading near a record high of $59 an ounce. This surge is supported by strong inflows into silver-backed ETFs, marking their highest levels since mid-2025.
Meanwhile, gold-backed ETF holdings have climbed to a month-end record, further fueling the precious metals rally.
Bankrate’s latest “best ETFs” update highlights SPDR Gold Shares (GLD) and iShares Silver Trust (SLV), both showing strong year-to-date performance with GLD up about 60% and SLV nearly 95%. These ETFs are not only crucial for investors seeking diversification but also as safe-haven assets amid economic uncertainty.
Regulatory Shifts Affecting Leveraged ETFs
The regulatory landscape is evolving, with the U.S. Securities and Exchange Commission signaling a crackdown on hyper-leveraged 3x–5x ETF structures. This move aims to limit leverage to 2x under derivatives Rule 18f-4, effectively capping risk for these funds.
The clampdown reflects growing concerns about retail investors overusing leverage in volatile markets.
Despite this regulatory shift, crypto ETFs continue to gain mainstream access, though with significant volatility. iShares Bitcoin Trust (IBIT) and iShares Ethereum Trust (ETHA) are among the largest by assets but saw heavy outflows as Bitcoin and ether prices plunged. Bank of America has recently announced plans to allow wealth advisers to recommend crypto ETPs directly, suggesting a 1–4% allocation for clients comfortable with high volatility.
Best U.S.-Listed ETFs for December 2025
To identify the best U.S.-listed ETFs for today and into 2026, this roundup leverages independent rankings, recent flow data, and analyst insights. Key criteria include low cost, high liquidity, broad index exposure, strong long-term track records, and a clear role in a standard portfolio.
Core U.S. stock market ETFs like VOO, SPY, IVV, and VTI are top contenders due to their massive inflows and unmatched performance. Growth and technology ETFs such as QQQ and VUG offer exposure to leading AI and tech names.
Dividend ETFs like SCHD and VYM provide income with equity growth potential. Small-cap and value ETFs, including IWM and IVE, balance out a growth-heavy core. Lastly, precious metals and crypto ETFs serve as strategic satellites in today’s diversified portfolios.
These funds are essential for investors looking to navigate the complexities of the U.S. stock market effectively. While no single approach fits all, these best practices offer a solid foundation for building a well-rounded investment strategy.
