top of page

Get More Out of Investing (and Stress Less!) By Answering 3 Questions

Writer's picture: Ramat OyetunjiRamat Oyetunji

Growing your money is critical to meeting financial goals and enjoying financial freedom. But when you have a busy life, like many of us do, navigating the different aspects of investing can feel overwhelming and stressful. You can stress less and get more out of investing by answering these 3 questions.



image showing a chart of a stock "SPY"

Question One

What's Your Investment Strategy?

You know investing is important, and you are probably participating in your employer's retirement plan, but do you have a clear strategy? If you don't, you are likely missing out on potential growth opportunities for your money.


Why having a strategy matters: Without a strategy, you risk making decisions that don’t align with your goals or risk profile, like investing in the wrong assets or failing to properly diversify. Having a strategy helps guide your investing decisions, keeps you on track, and gets better long-term results.


Take Action:

  • Evaluate your risk profile—are you comfortable with more risk for higher growth, or do you prefer a safer, more conservative approach?

  • Determine the right asset allocation for you. Decide how much of each asset class fits your goals and risk profile, and the types of investments to select.

  • Skip reinventing the wheel and use this free Investment Strategy Template to get started.



Question Two

Does Your Strategy Match Your Current Goals?

Having a strategy is great, but it’s less effective if it’s not aligned with your goals. For example, let’s say you want to retire early, but you’re investing too conservatively. Your strategy isn’t giving you the growth potential you need to reach your early retirement goal.


Why this matters: If your strategy doesn’t match your goals, you’re not taking the right actions to reach them.


Take Action:

  • Define your financial goals. Are you saving for retirement, a down payment on a house, paying for college, or something else?

  • Assess whether your current investment strategy will get you there. Are you being too conservative or too aggressive? Do you have the right asset allocation?



Question Three

Are You Giving Your Money Time to Grow?

Even with a great strategy that's perfectly aligned with your goals, your money still needs TIME to grow! If you're constantly changing direction, goals, or adjusting your investments based on short-term changes, you are sabotaging your efforts to grow your money.


Why this matters: Successful investing is all about patience and consistency. When you’re constantly tweaking your strategy or making impulsive moves, you disrupt the long-term growth potential of your investments. Staying the course, even through market volatility, is what allows your investments to compound and grow over time.


Take Action:

  • Stick to your investment plan and avoid making impulsive changes every time there's a short-term change.

  • Focus on building wealth steadily and don't time the market or follow trends.

  • Trust the process! Allow your investments to compound over time. The longer you let your money grow, the greater the returns will be.



Final Thought

By answering these 3 critical questions, and taking the suggested steps, you can get more out of investing, stress less, and avoid mistakes that could cost you valuable time and growth opportunities.



Looking for personalized guidance? Consider the Personalized Investing Roadmap or explore other services.



bottom of page