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Warren Buffett said that if he was starting out with $1 million at age 30, he would put it all in a low-cost index fund then ‘forget about it and go back to work’.

Warren Buffett Not known for overcomplicating things – and when it comes to investing, he doesn’t think you should either.

At the 2008 Berkshire Hathaway annual shareholders meeting, Buffett was asked, “How would you invest if you were 30 again and had your first million in the bank, you’re not a full-time investor, you have another full-time job, you can cover your expenses from other savings for 18 months, and you have no dependents?”

“I will be very simple,” he replied. “Under the terms you name, I could have it all in a very low-cost index fund … someone I knew was reliable, someone where the cost was low.” Then came the part that most people ignore: “I forget about it and get back to work.”

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That part isn’t just practical—it’s the whole philosophy. Buffett never advised anyone to watch the market or invest in a second job. He said to move on with life. Keep earning. Let compound interest take over the cycle. With steady income and decades ahead, the real advantage isn’t the right timing—it doesn’t touch money. When planning is simple and automatic, the hardest part is knowing when to leave it alone.

Buffett has long maintained that most investors should not try to beat the market. It’s not about intelligence – it’s about realism. He doesn’t just invest in companies – he buys entire businesses with full access to management, operations, and long-term strategy. That’s not something the average investor can replicate.

Instead, he recommended simplicity and discipline. A low-cost index fund that tracks the S&P 500 spreads your money across hundreds of large U.S. companies. There is no guesswork involved. You’re not betting on the next Apple or Amazon. You own a piece of the entire market and let it grow over time.

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At Berkshire’s 2020 shareholders meeting, Buffett doubled down on the same principle. “I don’t think many people are in a position to pick a single stock,” he said. “Something [are]Maybe, but on balance, I think it’s a lot better than people buying a cross-section of America and forgetting about it.”

Assuming a long-term average return of 7% after inflation, a $1 million investment at age 30 could grow to more than $7.6 million by 65—without trying to time the market or follow trends.

Buffett’s approach may be simple, but it still requires follow-through. That’s where a financial advisor can be helpful – not to try to beat the market, but to help implement a plan that works.

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The right advisor won’t pitch you exotic strategies or time-sensitive trades. They’ll help you select low-cost funds, automate contributions, and keep your portfolio aligned with your goals. That kind of guidance doesn’t replace Buffett’s strategy—it supports it.

A lot has changed since Buffett gave that advice in 2008. We’ve seen financial crises, pandemics, meme stocks, crypto chaos, AI hype, and more apps than anyone could ask for. He’s no longer CEO of Berkshire Hathaway — but he’s still chairman. And what hasn’t changed is the core of his message: Most people are better off owning a simple, low-cost piece of the market and leaving it alone.

The brilliance of Buffett’s advice isn’t that it’s brilliant—it works. Set a plan, stay out of the way, and let time do the trick.

Next Read: Why Billionaires Like Warren Buffett Prefer Real Assets Over Speculation-Institutional real estate is now accessible to individuals

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The article Warren Buffett Said If He Was Starting With $1 Million At Age 30, He’d Put It All In A Low-Cost Index Fund Then ‘Forget It And Go Back To Work’ originally appeared on Benzinga.com.

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