Jasmine Birtles
Your money-making expert. Financial journalist, TV and radio personality.
Too Tired to Invest? Here’s a 3-Step System That Runs Itself
Ruby Layram
6th Aug 2025
Let’s be honest, between work, bills, your social life (what’s left of it), and just trying to stay sane, investing can feel like another thing on the never-ending to-do list.
But here’s the good news: You don’t need to be glued to the stock market to build wealth.
In fact, the best investors? Often the laziest. They set up a smart system once, and let it run on autopilot.
If you’ve been putting off investing because you’re “too tired” or “don’t know where to start,” this is for you. Here’s a 3-step investing system that basically runs itself (and could still quietly make you rich over time).
You might also like: 5 lazy investing tips that could make you your millions
Step 1: Automate the money going in
The first (and most important) step is to make your investing automatic.
The easiest way to do this is by setting up a direct debit to transfer a set amount into your investment account every month, right after you get paid.
Think of it like a bill you pay to your future self.
How to do it:
- Decide how much you can comfortably invest (even £50/month is a great start).
- Set up an automatic bank transfer to your Stocks & Shares ISA or investment platform.
- Schedule it for payday so you never miss the money.
Top tip: Use the “Pay Yourself First” method, invest before you spend. Your future self will thank you.
If I wanted to automate my investing, I would use eToro
If you’re looking for a great platform to automate your monthly investing, I would recommend eToro.
This is a beginner-friendly, UK-based investment platform that allows you to get started from as little as $10. The best feature is ‘copy trading’, which allows you to copy the trades of expert investors and automate the process of doing so.
So, you don’t even need to build your own strategy. You can simply copy another investor and automate the entire process (talk about simple!).
It takes less than 30 minutes to open an eToro account and get started.
Step 2: Choose a “Set and Forget” Investment
Now that the money is flowing in each month, where should it go?
You want low-maintenance, diversified, long-term investments. No stock picking, no timing the market, no headaches.
The best options for most people:
- FTSE 100 Index Fund: Invests in the top 100 UK companies.
- Global Index Fund or ETF: Gives you worldwide exposure (e.g. Vanguard FTSE Global All Cap).
- Target Date Retirement Fund: Automatically gets more conservative as you approach retirement age.
These types of funds are:
- Passive (they just track a market)
- Diversified (spread your risk across many companies)
- Cheap (low fees = more money in your pocket)
Look for funds on beginner-friendly platforms like Vanguard, Fidelity, Moneybox, or Freetrade.
Step 3: Reinvest and Relax
This is where the magic happens.
Once your money is invested, set it to reinvest any dividends. That way, your earnings buy you more investments, which earn even more money over time.
Compound growth does the heavy lifting. Now, your only job is to:
- Check in once or twice a year to make sure you’re happy with the fund
- Increase your monthly contribution when you get a raise
- Resist the urge to mess with it when the markets wobble
That’s it.
You’ve built a system that runs while you sleep, work, scroll, binge Netflix, whatever your lifestyle is right now.
You Don’t Need to Be Perfect, Just Consistent
The biggest secret to investing success isn’t timing the market or picking the next big thing. It’s getting started and staying in.
Even if you’re only putting away £50–£100 a month, over 10–20 years that adds up. With compound growth, that could turn into tens of thousands, without you lifting a finger.
Join my £10 to £10K challenge to learn how to turn £10 into £10,000 through the power of compound growth!
Final Thoughts
If you’re too tired to invest, that’s exactly why you need a system that works without you.
Forget the noise. Forget the hustle. Set up this 3-step system once, and let it quietly build wealth for the future you.
Because real investing isn’t about being busy, it’s about being smart.
Are you interested in learning more about investing? Why not sign up to the MoneyMagpie bi-weekly Investing Newsletter? It’s free and you can unsubscribe at any time if you find it isn’t for you.
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.
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