Building a $1-million retirement portfolio may seem like an impossible goal, but it’s actually well within reach for many of us. With discipline and patience, you can slowly build a nest egg that will provide a comfortable retirement for years.

The best way to get there is to use exchange-traded funds (ETFs) to keep your portfolio diversified and your investing costs low, says Dan Bortolotti, portfolio manager at PWL Capital and author of “Reboot Your Portfolio: 9 Steps to Successful Investing with ETFs.”

An ETF is a fund that holds a diversified mix of assets — such as stocks, bonds and commodities — but trades on stock exchanges like an individual stock. “ETFs provide an opportunity to purchase what is basically an entire diversified portfolio with a single fund,” says Bortolotti.

It

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