How To Double Your Investments Without Doing Anything

Do you know the biggest reason people don’t grow their wealth?
It’s not lack of money. It’s not lack of knowledge.
It’s lack of consistency.
From lack of processes.

Most of us start with the best intentions:
✔️ Open an investment account
✔️ Put a lump sum in once
✔️ Promise we’ll “add more later”

But then life happens…bills, birthdays, a last minute holiday and those extra contributions never quite make it in.

Here’s the truth: wealth isn’t built in one big move. It’s built in hundreds of small, boring, but automated steps underpinned by financial systems and processe.

✨ Your One Simple Step this week is to

Set up a monthly direct debit into your investment account

Let’s say you put a lump sum of £20,000 into your stocks and shares ISA
In 30 years at a 10% average growth rate it will be worth nearly £329k
But if in those 30 years you added £200 per month (automated so you don’t manually do this every month) it would be worth nearly £670k
In this scenario you’d end up with more than double without actively doing anything

Even if it’s just £50 or £100, automation does three things for you:

1. Removes emotion you don’t have to decide every month whether to invest

2. Builds the habit investing becomes as normal as paying your phone bill

3. Takes advantage of pound-cost averaging smoothing out market ups and downs

It’s the financial equivalent of setting your alarm clock: once it’s done, you don’t have to think about it again.

If you’ve ever thought “I’ll invest when I have more money” remember this:
💡 The act of starting matters more than the amount you start with.

To your financial freedom,
Pernia | Your Finance Travel Buddy ✈️💜

P.S. Here you can figure out how to set up a standing order from your current account
P.P.S One of the many things I love about platforms like Trading212 is that you can build your own pie of different investments and automate a set amount being invested into that make up of investments each month. Also, I am not an affiliate of Trading212 so I get nothing out of mentioning them in this email. You can see what I am describing » here.

Disclaimer: none of this email is financial advice or investment advice. Investing carries the risk of losing your money which isn’t protected like cash is under the FCFS.