Profitable investments for busy people

A common problem nowadays is time, that is, the enormous amount of activities, tasks and responsibilities that we have to cram in a limited amount of time.

The vast majority of people when asked if they want to become financially independent will say YES;

The vast majority of people when asked if they are aware that they will have a very small pension in relation to their last income, say YES;

The vast majority of people when asked if they want financial prosperity, will answer as YES;

And yet, the vast majority of people DO NOT do anything, or anything else, to achieve this security, independence or financial freedom.


There are many reasons, but today I will only talk about two, among the most important ones: Lack of knowledge and Lack of time.

Often, the lack of time is also a justification for the lack of knowledge: “When should I deal with personal investments?”.

In this case, I have very good news for you: You can make very profitable investments by allocating no more than 20-30 minutes per month.

And the second and better news is: And your investments will bring higher returns than the investments of over 90% of the investors who allocate tens of hours a month to read financial news, track charts and make complex financial analyzes.

100 times less time allocated to achieve higher returns than over 90% of investors.

The solution is called: passive investments, that is, investments that you make once and keep them for years, without interfering with them.

This system is recommended by Warren Buffett who advised his children and grandchildren to invest passively in the SP500 index (US stock market index) and is widely debated by Tony Robbins in his book Money: Master the game I strongly recommend .

How does it actually work?

I will provide an extremely simple example to realize how simple and effective it is.

==>Let’s say we did a risk profile test and the moderate investor profile came out;
We establish as a very simple allocation of investments: 50% in shares, 50% in bonds.

==> For the shares we choose the SP500 index (the most important 500 shares listed in the US) and for the security, in the variant bonds we choose the US long-term government bonds (20 years +);

==> We choose an international broker that gives us access to international markets –

==> We choose financial instruments that track these indices: for example, these two Ishares ETFs (managed by BlackRock – the world’s largest investment fund manager) – SP500 ETFs and Treasury Bonds 20+ ETFs;

==> And we choose to invest in these instruments monthly / quarterly or what other periodicity we choose. For example, once a month $ 250 in SP500 and $ 250 in Treasury Bonds 20+ ETF.

Once the system is set up, it will hardly take you more than 20-30 minutes per month to do so.

What would have happened if we had invested $ 10,000 30 years ago using this allocation?

Here’s the chart:

Average gross profit (CAGR – Compound Annual Grouth Rate) of 9.44% annually, in USD, during the last 30 years !!!! Here I enter an average between very good years plus tens percent and very weak years minus tens percent (much less in number).

Even so, the maximum loss in a specific year (and very bad) would not exceed 7.26%.

From $ 10,000 invested 30 years ago, you were reaching $ 150,000 today.

Okay, but what if I regularly made $ 500 a month?

$ 500 for three months, at 9.44% annually:

Total investments in the 30 years: 180,000 USD – after compound interest we reach a little over 1 million USD.

Not bad!

Worth noting:

In fact, the yields would have been a little lower, due to trading fees, administration fees (which today are 0.07% per annum) and foreign exchange. Probably 1-2% less.

But still, something better than the bank offers you: 1-2% per year in RON.

Of course, past returns are not a guarantee of future returns but they can give you an important indication.


It’s just a very, very simplified example. In order to determine the right investment strategy you need a risk profile calculation, analysis of the current financial situation, the investment term, the purpose for which you invest, and so on.

And … if during the course you will only need 20-30 minutes to implement your plan, at the beginning you will need a little more time for study, analysis and exercise to establish a plan to trust YOU as it will work.

Confidence in a plan comes when you know what you are doing and you know very well what I reward and calculations are based on your plan. In addition, you need to acquire a long-term investor mentality.

All this info is here by my sweat and in my free time.

A like and share your help me a LOT!

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