Scarlett Morgan was never interested in flashy stock picks or day trading.
“I wanted something stable, simple, and proven,” says the 36-year-old project manager. “That’s why I turned to index funds.”
Scarlett started investing in her late twenties after reading about how most actively managed funds underperform the market.
“I wanted to grow wealth without having to watch the market every day,” she explains.
Her first investment was a total market index fund through Vanguard, which she chose for its low fees and long-term track record.
“Once I saw how easy it was, I made it automatic,” she says. Every month, a set amount from her paycheck went into her portfolio.
She also diversified by adding an international index fund and a bond index fund. “I wanted my money to grow steadily and protect against volatility,” Scarlett shares.
She uses a simple 70/20/10 split—70% U.S. stocks, 20% international, and 10% bonds.
Scarlett’s strategy is all about consistency and time in the market. She ignores daily fluctuations and reviews her portfolio only once a year to rebalance. “I don’t chase trends. I stay the course.”
Now in her mid-thirties, she has built a six-figure investment portfolio. “I’m not a millionaire yet, but I’m well on my way,” she says proudly.
Her tip for others? “Don’t wait for the perfect moment. Just start. Even $50 a month can make a difference over time.”
