How To Guide

A Busy Professional Guide To Investments

August 25, 2020

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A working professional has limited time and while everyone wants to get rich, investing for wealth creation takes time. So how does a busy professional take money from their salary and invest?

Well, the first step is accepting that you have neither the time nor the knowledge to make an informed investment decision. So you'll need someone who does - perhaps a wealth coach. More importantly, you must remember not to blow your savings by investing in something you don't completely understand.

That said, anyone can get rich by investing wisely. So, let's get some of that simple wealth wisdom into our nervous system.

You need two primary things to start growing your wealth and become rich:

A) A high-interest savings account
B) Small but regular investments

So, how do you start investing money wisely without spending too much time on it? Well for that we must look at an average working professionals strengths and weaknesses. 

You will find that you can mostly align yourselves with these. If you don't, you can consult a Cube Wealth Coach for free and get more specific advice right away.

Strengths Of A Working Professional

  • You earn a steady income
  • You have mostly fixed expenses
  • You can control frivolous expenditure
  • You can set aside money regularly


Weaknesses Of A Working Professional

  • You don't have the time to invest
  • You can't keep track of the markets
  • You don't know where to invest
  • You don't know how to invest
  • You need liquidity for emergencies

That said, the good news is your opportunities are boundless from mutual funds to share, gold, property & more. So, now let's understand what investment is right for you.

What Investment Is Best For You?

Well as a working professional we have a basic idea of what your risk profile is and what you can and cannot do. You need small, regular but automated investments. You may diversify later based on wealth advisory but, in this story, we'll only tackle how you should start.

How To Start Investing Money?

Now that the stage has been set, let's talk about what you should do and what you'll need to grow substantial wealth. 

  • Get Professional Wealth Advice

Don't worry, a wealth coach does not cost a bomb - in fact, if you get the Cube Wealth App you have free access to some of the world's best wealth advisors. So get help and guidance.  Don't be shy, seek help. 


  • Understand You Investment Needs

You must identify your risk profile and set up a time horizon for your investments. Are you aggressive and willing to risk loss for higher returns? Are you super conservative and want moderate but safer returns? This coupled with whether you're in it for a short span or the long haul are questions you must answer for yourself.

  • Invest in Mutual Funds using SIPs (Systematic Investment Plans)

A SIP offers you the freedom to start small and allows you to liquidate assets if there is an emergency. Start smart with say 10% - 15% of your monthly income. Then as you gain comfort and understand things better, you can increase your investment.


  • Think Automation & Diversification

Next, you should look at a good wealth management app. We, of course, recommend Cube Wealth as it can help you find the right portfolio using not just a mutual fund but multiple assets. You can set monthly automation and forget about investing woes. Try The Cube App here.

Cube gives you access to the world's best Wealth Coaches, Investment advisors and automates the whole investment process. 

All you'll need after this is patience. You know you have to stay away from "Get Rich Quick Schemes". Wealth creation is a slow process that demands a focussed set of investments and a balanced portfolio.

Rishabh P Nair
Rishabh P Nair is the Head Of Brand Content at Cube Wealth. Rishabh has been weaving stories for over 10 years and prides himself on building brands with a strong identity.

4 Reasons To Try Our Powerful Investment App!

Schedule a call based on your convenience. And get an expert to help you invest.

  • High Quality Mutual Funds
  • Top Notch Stock Advisory
  • Expert Financial Advisors
  • Alternative Investments

Grow your money without wasting time

on stock picking, poring over excel sheets, financial news, analyzing market trends, tracking the Sensex, researching company fundamentals, comparing mutual funds, reading financial reports, trying to predict the future & losing your sanity!