People often get a negative image of investing making statements like,

“Investing is too complicated”

“Only educated people know how to invest”

and I shake my head every time I hear this next one,

“Investing is only for rich people”

If you’re one of those people it’s time to change that way of thinking because investing is one of the paths to financial freedom.

Millions of people make money every day by investing. They may be actively buying and selling stock trying to predict the next big stock to rise or just sit back and receive dividends on their investments.

Whichever way is chosen, it’s a proven fact that investing can make you money.


Proof Investing Isn’t For The Rich


I recently read this article from Entrepreneur about 8 regular people just like you who made $1 million. Out of those eight people two guys, Tim Grittani and Paul Scolardi, made their millions trading the stock market.

Tim Grittani used his life savings of $1,500 to invest in penny stocks (stocks of companies usually valued under $1). He was trading every day for almost 3 years and was able to turn one of his initial investments into a multi-million dollar portfolio. You can read more here.

Paul Scolardi was a regular employee in the corporate sector working the dreaded 9 to 5 but always wanted to make money on the stock market. He quit his job and developed his own investment strategy which has earned him millions of dollars.

These are just two examples of the opportunities investing can unlock for you. Of course, not everyone will become a millionaire like these guys but you can make a decent additional income on the side by investing.


Why Invest Your Money


If you haven’t heard this term already well you’ll hear it now.


It’s basically the cost of living which is consistently rising every year. It also supports the statement that $1 today wouldn’t be worth $1 in the future.

If you think simply having your money in a savings account is enough then you’re wrong! See the image below for yourself.

The lazy way to make money investing

Graph showing Certificate of deposit (CD) interest rates from 1984-2016 Source:

Returns at your local bank are so low you’re actually losing money by just having it there. To reverse the effect of inflation you need to invest.


I’ve come across two types of investing practices which you can use to make money:

1. Robo Investing

Robo investing is basically automated investing done by a computer. The computer invests for based on the answers you provide about your financial position and future goals. It then uses specially constructed algorithms to create an investment portfolio that matches your needs.


2. Human Investing

Human investing is as it sounds. Your investment portfolio is created by a financial advisor or even by yourself.  The type of investments made are based on the knowledge and experience of the person managing the portfolio.


If you want more ways to make money check out these posts:


If you want to create a blog that could eventually turn into a money making online business you can read this post. You’ll learn how to start a WordPress website on Siteground in a few easy steps. I use Siteground to host my website and they’re simply one of the best! You can save 60% by signing up using this link for only $3.95/month with their start-up plan! Don’t miss this deal since the regular price is $9.95/month.


Benefits Of Investing The Lazy Way (Automated Investing)


Save time researching

Manual Investing causes you to research different companies across several industries to see if they are a good fit for your investment portfolio.

The problem is there are so many companies to choose from and you don’t know how they will perform in the future.

When you automate your investments the computer systems use their complex algorithms which study and track the market on a daily basis to choose the best investments for you.


Make money passively

Alright, if you blink through this section you might miss it if you’re scrolling.Open and fund an account with an automated investment service.

  • Open and fund an account with an automated investment service.
  • Fill out your financial information and set your risk level.
  • Go to bed, sleep and earn money.

Those are literally the steps to making money investing like a lazy person. This is a hands-free approach to investing where you only have to check your investments from time to time. It’s so easy you’ll be wondering why you didn’t start investing sooner.


No trade fees

With automated investing, you don’t have to worry about paying additional fees per trade.


All trades are automatically taken care for you, that’s why. The only fees you pay are management fees which usually depend on how much money you have in your account.


Diversify income

So you have a job. That’s great! You may have a side hustle that’s also generating some cash for you. Even better!

Why not take your income a step further by investing?

Automated investing is another way for you to make some extra, passive income on the side by just adding money onto your account. You can use the money from your side hustles (like having a blog) and add it to your investment account. Then watch that money grow.


So now you want to know exactly how to start making money from your bed right?


Well, read on!



How Can I Make Money Investing While I Sleep?


Create and fund an account on Betterment


The Lazy Way To Make Money Investing

Betterment is an automated investing service, helping people to better manage & grow their wealth (hence the name Betterment…haha). What they are doing differently is taking proven investment strategies that have been around for decades and using technology to make them more efficient. Their main goal with average people like you is to increase your long-term returns.


Why Should I Use Betterment To Invest My Money?


Let’s take a look at some highlighted features you can expect while investing with Betterment:


1) Personalized investment portfolio to match your financial goals

Betterment portfolios are made up of a diversified mix of stock ETFs and bond ETFs.

ETFs are short for exchange-traded funds which are a bundle of assets (e.g. stocks or bonds) grouped together. People love them so much because it gives diversity to your investment portfolio and they have lower costs.


2) Automatic portfolio rebalancing to increase investing efficiency

Anyone can protect their portfolio from market volatility, by selling securities but this can cost you in taxes. To help avoid this, Betterment rebalances your portfolio using deposits and dividends and you don’t even have to lift a finger.


3) Save money spent on taxes through “Tax-Loss Harvesting”

Tax loss harvesting is the practice of selling a security that has experienced a loss in value. By realizing, or “harvesting” a loss, investors are able to offset taxes on both gains and income. The sold security is replaced by a similar one to maintain optimal asset allocation and expected returns.

When investments lose value, you can sell them to help offset the taxes that come with income and capital gains. Betterment’s Tax Loss Harvesting service looks for these opportunities daily, which may add 0.77% (estimated) per year to your after-tax returns.



Assume you initially invested $50,000 in the year 2000. 70% is invested in stocks, and bimonthly incremental deposits of $750 up until 2013 (13 years investing) are made.

You could expect a 0.77% return ($44,692 increase) added to the gains on your investments after tax.


4) Minimizes transaction taxes so you earn more income

To help lower transaction taxes, betterment will show you the potential tax implications before you make a transaction. When you make changes to your portfolio betterment sells your assets in a specific order—the ones with the lowest tax burden go first.


5) Protects accounts for safe investing of your money

When you invest with Betterment securities in your account protected up to $500,000! It’s almost like insurance on your money in case something goes wrong.


How Much Will It Cost Me?


Fees on Betterment are only 0.25% per year for any amount less than $100,000 on your account balance.

Once you go over that amount the fee goes up to 0.4% per year on your account balance.

Since fees are annual, if you had $10,000 on your account for the year then fees should amount to just $25. That’s a non-factor when you consider all the benefits of investing with Betterment.

However, the amount you are actually charged will vary because of withdrawals, deposits and investment gains of funds changing the account balance.


But now the million dollar question I know you’re waiting patiently to find out.


How Much Money Can I Expect To Make If I Start A Betterment Account Today?


To make explaining this easier I’ll use an example from Betterment’s estimated profit earnings chart based on historical data from the years 2010 to 2017.


The Lazy Way To Make Money Investing

Chart taken from Betterment’s website displaying historic earnings


Let’s say you initially invested $100,000 in January 2010 and held it in your account until May 2017. In that time you would’ve earned an average total return of $76,644. That’s a return of 76.6% if your portfolio allocated 70% in stocks and 30% in bonds.

On the other hand, let’s say you invested that same $100,000 with a private client investor. Instead, you would’ve earned around $46,000 (46%). That’s approximately $30,700 (30.7%) less than investing in Betterment with similar allocations.

See the graph below for a better view of earnings.

The Lazy Way To Make Money Investing

You could be missing out on potential income by not investing with an automated service like Betterment.


Looking for more ways to make money online?

Check out this post from VTX Capital – How to Make Money Online: 35+ Legitimate Ways to Earn Money


It’s the dream of most people to make their money work for them without having to do much. Don’t put off investing! If you do you’ll be missing out on so much additional income which you can use to live comfortably.


So, are you ready to make money as you sleep?

Click here to try Betterment and grow your wealth for FREE!


Thanks for reading!


We’ll chat more about Betterment in the comments below.


Some questions for you:

Do you invest with Betterment?

Do you prefer manual investing or automated investing?


P.S. I use this FREE tool to check for grammar mistakes in all my posts. Click the image below to check it out:

Grammarly best instant-grammar-checker online tool


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