2035 Before It's Too Late: Why These 2 Companies Could Run Circles Around the S&P 500

The 10-Year Opportunity Window

Here’s the thing about long-term investing: if you’re willing to park your money for a decade, you don’t need to match the S&P 500—you need to beat it. And while most investors chase index returns, there are specific plays that could deliver substantially better results by 2035.

Two names worth your attention? SoFi Technologies (NASDAQ: SOFI) and Fiverr (NYSE: FVRR). Both operate in massive secular trends with multiple expansion opportunities over the next 10 years.

SoFi: The Fintech Takeover Story

SoFi Technologies isn’t your typical financial institution. As a fully digital online bank and fintech specialist, it’s already building something the traditional banking world took decades to construct—and it’s doing it in years.

What makes the growth runway interesting? Three core catalysts:

The membership play: SoFi keeps expanding its user base, particularly among younger generations who’ve never known banking without an app. This demographic shift is structural, not cyclical.

Ecosystem expansion: This is the real money-maker. SoFi has historically layered on new services—from loans to investments to, more recently, cryptocurrency trading and international money transfers. Each layer increases customer stickiness and lifetime value.

Cross-selling gold mine: With millions of members on the platform, every new product launch automatically reaches an engaged audience. This means revenue growth isn’t just about acquiring new customers; it’s about deepening relationships with existing ones.

Sure, a recession could punch the lending business in the face, but structurally, SoFi’s moat only widens over time. The company’s recent trajectory suggests it’s well-positioned to capture market share through 2035.

Fiverr: Riding Two Mega Trends

Fiverr looks different depending on where you’re standing. Recent performance has been choppy, but don’t mistake pause for decline.

The thesis is straightforward: the gig economy isn’t slowing down. Fiverr’s platform connects 4+ million freelancers with businesses globally—and that flywheel only accelerates as companies embrace flexible workforce models.

But here’s the kicker: AI is reshaping the Fiverr economy in real-time. Every business suddenly needs AI expertise, but most can’t justify hiring full-time PhDs. Enter Fiverr, where AI-skilled freelancers are already commanding premium rates. This emerging service category could become a meaningful revenue driver over the coming decade.

The company has already achieved profitability despite revenue growth moderation post-pandemic—that’s the sign of a maturing, capital-efficient business. With the gig economy expanding and AI services exploding, Fiverr’s 2035 story looks compelling.

Why Not Just Buy the Index?

Let’s be clear: the S&P 500 will probably deliver solid returns through 2035. But consider this: when Netflix joined Motley Fool’s top 10 picks in December 2004, a $1,000 investment became $513,353. Nvidia in April 2005? That $1,000 turned into $1,072,908.

The difference between catching the right stock and riding the index? Sometimes it’s measured in hundreds of thousands of dollars.

SoFi and Fiverr won’t be for everyone, and recession risks are real. But if you’re thinking in 10-year horizons, both companies offer meaningful upside potential that could significantly outpace broader market returns by 2035.