What to Do When You Have No Time to Invest

If you’re like most people these days, you lead a busy life. You probably work, and maybe you have a spouse or partner. In addition, you might have children or attend college as well.

No matter what commitments fill your life, it can be difficult to juggle everything. You may feel like you really have no time to invest for your future right now, but you’ll start in a year or two.

The bad news is that the longer you put off investing, the less money you’ll have down the road. But fortunately, there are ways you can save for your future goals even when you have no time to invest.

Use a Robo-advisor

One way to save for your future plans is to use a robo-advisor. This type of investing can help you grow your money even when it seems like you have no time to invest.

With a robo-advisor, you don’t have to know everything there is to know about investing. You can be a beginning investor and let the robo-advisor do the complicated work for you. Using automation, they will choose stocks for you based on your investing preferences.

Most robo-advisors, like Emperor Investments, also automatically rebalance[1] for you and reinvest your dividends. Many also have low minimums to help you get started without having to wait to build up enough start-up funds.

Accessibility is also a great advantage of using a robo-advisor. When life gets busy and you’re on the go, why wait until you get home to check on your investments? Instead, check your portfolio right from your phone whenever and wherever you want to.

In Emperor Investments’ case, you can get a tailor-made investment portfolio made from dividend stocks. You can get started with just $500 and try them free for 6 months by using my link here.

Example of Emperor Investment’s automated savings plan tool.

Invest in What You Love

If you have no time to invest because you can’t spend time narrowing down all of your investment options, invest in what you love. When you make purchases from a company that is popular, it’s possible that any investment you make in that company could grow.

Obviously if you want to have a better chance for your investments to achieve growth, you can always ask for help. Start by checking with trusted friends or family members who invest. Ask how they invest or who they use as an investment advisor.

Next, meet with the friend or advisor briefly to let them guide you in your investing. You will only spend a short amount of time investing this way, but you could end up with big returns.

Try Crowdfunding

Do you need another type of investing that is passive and relatively hands off? Check out crowdfunding in real estate. You don’t need a ton of money to start because you pool your money with that of other investors. The money is placed in an REIT, or Real Estate Investment Trust[2].

With an REIT, you can gain a steady income stream while letting their team of expert advisors choose the right property investments. Investing in real estate in this manner can keep you from making a costly investment mistake.

The advisors spread your money over multiple investment properties to diversify[3] your investment, increase profits, and lower risks. What’s more, you gain the ability to invest in high return properties that would be unavailable to you as a single investor.

Put Money in a 401K Plan

When you’re looking for another investment choice because you have no time to invest on your own, consider a 401K plan. If your employer offers one, but you aren’t taking advantage of it, you should be.

Putting money into a 401K plan lets you invest a portion of your paycheck, before taxes, each pay period. But in addition, your employer will usually match your investment up to a certain percentage. This is free money that can grow your wealth faster.

Of course, not every employer offers a 401K plan, but they are more common than they used to be in years past. In addition, they usually have a qualified representative available to help you quickly choose your investments.

As you can see, there are several ways you could increase your wealth even when you have no time to invest. Don’t waste time and lose money by putting it off. Start investing now so you can reach your goals and make your future dreams come true.


[1] Rebalancing/Reallocating can entail transaction costs and tax consequences that should be considered when determining a rebalancing/reallocation strategy.

[2] A REIT is a security that sells like a stock on the major exchanges and invests in real estate directly, either through properties or mortgages. REITs receive special tax considerations and typically offer investors high yields, as well as a highly liquid method of investing in real estate.  There are risks associated with these types of investments and include but are not limited to the following:  Typically no secondary market exists for the security listed above.  Potential difficulty discerning between routine interest payments and principal repayment.  Redemption price of a REIT may be worth more or less than the original price paid.  Value of the shares in the trust will fluctuate with the portfolio of underlying real estate.  Involves risks such as refinancing in the real estate industry, interest rates, availability of mortgage funds, operating expenses, cost of insurance, lease terminations, potential economic and regulatory changes.  This is neither an offer to sell nor a solicitation or an offer to buy the securities described herein.  The offering is made only by the Prospectus.

[3] Diversification does not guarantee a profit or protect against a loss in a declining market.  It is a method used to help manage investment risk.

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