Jasmine Birtles
Your money-making expert. Financial journalist, TV and radio personality.
How I Invest £500 Each Month: A Simple, Repeatable Plan
Ruby Layram
27th Aug 2025
If you’ve ever felt overwhelmed by investing, all the jargon, the endless options, the hot tips flying around on social media, you’re not alone. The good news? It doesn’t need to be complicated.
In fact, my investing plan is so simple, I could write it down on the back of an envelope. Each month, I invest £500, and I split it the same way every single time: 50% into a blue-chip S&P 500 ETF, 25% into Bitcoin, and 25% into gold.
That’s it. No fancy trading, no timing the market, no stress. Here’s why I do it and how you could build something similar for yourself.
Why a Simple Plan Wins Every Time
Consistency beats cleverness when it comes to investing. By sticking to the same plan month after month, I:
- Take emotions out of it no panic buying or selling.
- Build habits investing becomes automatic, like paying a bill.
- Spread risk I’m not betting everything on one horse.
It’s boring, but boring is exactly what works in the long run.
The 50/25/25 Split
So, let’s get into why you’re here.
Here’s how I break up my monthly £500 investment- the strategy that I put on repeat every single month to build wealth over time.
1. 50% into am S&P 500 ETF (£250)
This is the bedrock of my portfolio. A tracker fund that mirrors the S&P 500 means I’m investing in America’s biggest companies such as Apple, Microsoft and NVIDIA.
- Why? It gives me stability, dividends, and long-term growth.
- What I like: Low fees, instant diversification, and less stress than picking individual stocks.
2. 25% into Bitcoin (£125)
Yes, Bitcoin is risky. Yes, it can swing wildly. But I like having a slice of my portfolio in something with high growth potential.
- Why? Bitcoin is increasingly seen as “digital gold” because of its limited supply, global appeal, and growing institutional adoption.
- What I like: The long-term upside if crypto continues to be adopted.
3. 25% into Gold (£125)
The steadying hand of my portfolio. Gold is the classic safe haven. It doesn’t generate income, but it protects my wealth when markets wobble.
- Why? It balances out the volatility of Bitcoin and stocks.
- What I like: Gold tends to shine during uncertain times.
Why I Use eToro to Put My Strategy on Repeat
There are quite a few investment platforms out there but my favourite is eToro, hands down!
I have used this platform from the very start of my investing journey and it has never failed me. I personally like the fact that it offers a wide selection of stocks, ETFs, crypto and commodities- which is perfect for my particular strategy.
eToro has also recently launched its own AI companion which makes investing simpler than ever. You can use the AI to get the answers to any questions that you have, without needing to fork out for a financial advisor.
Your money is at risk.
Why This Works for Me
This simple 50/25/25 split works because it covers all the bases.
The S&P 500 ETF and gold give me stability, ensuring that a large chunk of my money is anchored in assets that tend to weather market storms (but also pay dividends and outpace the rate of inflation!).
Bitcoin, on the other hand, provides growth potential, it’s volatile, yes, but it also has the chance to deliver higher returns over the long run.
Most importantly, this approach gives me peace of mind. Because I already know exactly how my money will be invested each month, I’m not second-guessing myself or getting caught up in market headlines.
By automating the process and repeating the same plan consistently, I’m building wealth in a way that feels effortless.
Could This Work for You?
Of course, not everyone’s goals or risk appetite will look the same as mine.
You might prefer to allocate more to stocks, reduce your exposure to Bitcoin, or skip gold altogether.
The key is to design a portfolio split that reflects your own financial priorities, whether that’s saving for retirement, growing your wealth more aggressively, or protecting yourself against volatility.
You migt like: What is an 80/20 portfolio split
Once you’ve decided what matters most, the trick is to stick to your plan long enough to let compounding do its work.
Investing isn’t about finding the perfect strategy, it’s about choosing a sensible one and following through.
Final thoughts
Investing doesn’t have to be flashy or complicated. My £500 a month plan isn’t about getting rich overnight, it’s about slowly and steadily building wealth over time.
If you’re struggling to get started, try setting a simple split like mine, automate it, and watch how much easier it feels to actually do the thing.
Because the truth is, the best investing plan isn’t the most clever one. It’s the one you can stick with.
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Disclaimer: MoneyMagpie is not a licensed financial advisor and therefore information found here including opinions, commentary, suggestions or strategies are for informational, entertainment or educational purposes only. This should not be considered as financial advice. Anyone thinking of investing should conduct their own due diligence. When investing your capital is at risk.
You £125 in Gold – is that with 20x leverage? The minimum amount for Gold at 1x leverage is $1000
Mainly because these companies are also listed in the US along with UK listing.
“A tracker fund that mirrors the S&P 500 means I’m investing in Britain’s biggest companies — names like Shell, AstraZeneca, and HSBC”. Are you sure about that? Perhaps you meant FTSE 100?
The S&P 500 helps you to invest in Britain’s biggest companies? Do you mean American companies or a FTSE 100 tracker?