My investment balance went from $0 to nearly $100,000 in less than five years. I followed a strategy many investors use to become millionaires: Buy and hold low-cost index funds. The author's Personal Capital investment balance dashboard shows steady progress over the last year despite daily fluctuations. I'm invested in stock index funds, bond index funds, and even real estate index funds. My investment balance could dip thousands of dollars below $100,000 in a matter of days, before leveling out and posting a gain in the long term.

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