--- title: Create a Systematic Investment Plan description: Systematic investing is a simple and worry-free method of investing money. Learn more about what it entails. image: http://www.4tfg.com/hubfs/Blog/Create-a-Systematic-Investment-Plan.jpg --- [![4thought_footer-logo.png](https://www.4tfg.com/hs-fs/hubfs/4thought_footer-logo.png?width=335&height=101&name=4thought_footer-logo.png "4thought_footer-logo.png")](https://www.4tfg.com/) - [![4Thought Financial Group](https://www.4tfg.com/hubfs/4thought_footer-logo.png)](https://www.4tfg.com/) [![4Thought Financial Group Compass](https://www.4tfg.com/hubfs/4Though-Compass.png)](https://www.4tfg.com/) - [About 4Thought](https://www.4tfg.com/investment-methodology) - [Our Investment Methodology](https://www.4tfg.com/investment-methodology) - [Management Team](https://www.4tfg.com/management) - [In the Media](https://www.4tfg.com/media) - [Contact](https://www.4tfg.com/contact) - [Services](https://www.4tfg.com/investing) - [Private Individual Investing](https://www.4tfg.com/investing) - [SMAs for RIA /Institutional /Family Office](https://www.4tfg.com/financial-advisors-and-institutions) - [Services for CPAs](https://www.4tfg.com/cpa-investing-services) - [Private Wealth Management](https://www.4tfg.com/wealth-management) - [Retirement Plan Services](https://www.4tfg.com/retirement-plan-services) - [Resources](https://www.4tfg.com/resources) - [Financial News](https://www.4tfg.com/resources) - [Portfolio Review](https://www.4tfg.com/portfolio-review) - [Investment Performance](https://www.4tfg.com/performance-requests) - [CPA Continuing Education](https://www.4tfg.com/cpe-continuing-education) - [FAQs](https://www.4tfg.com/faq) - [FAQs](https://www.4tfg.com/faq) - [Contact](https://www.4tfg.com/contact) - Log In - [Goldman Sachs Accounts](https://www.folioclient.com/servlets/ProcessAction?identifier=loginFormEntry&user.mode=IAC) - [Wealth Management](https://wealth.emaplan.com/ema/SignIn?ema) - [Consolidated Reporting](https://client.myadvisorlink.com/auth/users/webportal/4tfg) - [Retirement Plan Services](https://www.4tfg.com/rps-login) - - Log In - [Goldman Sachs Accounts](https://www.folioclient.com/servlets/ProcessAction?identifier=loginFormEntry&user.mode=IAC) - [Wealth Management](https://wealth.emaplan.com/ema/SignIn?ema) - [Consolidated Reporting](https://client.myadvisorlink.com/auth/users/webportal/4tfg) - [Retirement Plan Services](https://www.4tfg.com/rps-login) ## 4Thought Investing Resources # 4Thought Investment Resources [Financial News](https://www.4tfg.com/resources/) [Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) [Personal Finance](https://www.4tfg.com/resources/topic/personal-investing) [Business Finance](https://www.4tfg.com/resources/topic/business-finance) [For Professionals](https://www.4tfg.com/resources/topic/financial-professionals)[Compass and Crosshairs](https://www.4tfg.com/resources/topic/compass-and-crosshairs) SUBSCRIBE Subscribe for free tips and articles to help you lead a smarter financial life. [Financial News](https://www.4tfg.com/resources) ,[Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) # Create a Systematic Investment Plan Systematic investing is a simple and worry-free method of investing money. Learn more about what it entails. \[fa icon="calendar"\] May 17, 2017 1:02:54 PM by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial) ![Create a Systematic Investment Plan](http://www.4tfg.com/hubfs/Blog/Create-a-Systematic-Investment-Plan.jpg) Info Sheet - PDF Download [![](https://www.4tfg.com/hubfs/Collateral/High-Impact-Low-Cost%20Systematic-Investing.png "Systematic Investing")](https://www.4tfg.com/hubfs/Collateral/High-Impact-Low-Cost%20Systematic-Investing.pdf) ### **Systematic Investing with 4Thought Financial Group** "One of the most effective ways to maintain and potentially improve your standard of living in the long term is to systematically save and invest your earned income over time." [View the PDF](https://www.4tfg.com/hubfs/Collateral/High-Impact-Low-Cost%20Systematic-Investing.pdf) [Save the PDF](https://www.4tfg.com/hubfs/Collateral/High-Impact-Low-Cost-Systematic-Investing.pdf.zip) [*Learn more about High-Impact, Low-Cost Systematic Investing*](https://www.4tfg.com/systematic-investing) It can be difficult navigating a path through the tricky waters of investing, and one of the many obstacles to success lies in knowing when the best opportunity presents itself to enter the market. Volatility and economic uncertainties can conspire to disrupt even the most carefully constructed plans, but there is an investing approach which overcomes this problem: systematic investing. Systematic Investing is a simple method of investing money which allows you to make regular payments into a [mutual fund scheme](http://money.usnews.com/funds/mutual-funds), investment advisory account, or other investment vehicle.   ## How Does Systematic Investing Work? [Systematic investing](https://www.4tfg.com/systematic-investing) operates by enabling you to purchase a certain dollar amount of shares of your investment vehicle(s), which are calculated on the market value for that particular day and for that particular time. You will build up an account, or "portfolio," which has been purchased at variable rates depending on each purchase date. ### The Beauty of Cost Averaging By averaging out the price of your purchases, systematic investing takes the uncertainty of market timing away from your investing. When the price of a unit is low, you get more for your money; when it is high, less. But because the price is averaged out, you can overcome volatility and market timing uncertainty over the long-term. ### Compound Interest The famous American business investor [Warren Buffett](http://archive.fortune.com/2010/06/15/news/newsmakers/Warren_Buffett_Pledge_Letter.fortune/index.htm) once remarked "My wealth has come from a combination of living in America, some lucky genes, and compound interest." And he wasn't wrong. Understanding compound interest is critical in maximizing your investment opportunities. In fact, even [Albert Einstein](http://www.goodreads.com/quotes/471902-the-strongest-force-in-the-universe-is-compound-interest) is often credited with saying that "the strongest force in the universe is compound interest." So why is compound interest so powerful? The answer: time. Let's take an example to demonstrate: - If you began putting aside 100 dollars per month at the age of 30 -- at an average interest rate of 7 percent per year -- your total investment when you turned 50 years old would be worth 51,000 dollars. - Contrast this with if you had begun your investment 10 years earlier, using the same interest rate and the same monthly investment. In this example, your total investment would be worth almost 120,000 dollars when you reached 50 -- more than double the amount in the first example! There are a number of online [systematic investing calculators](http://www.moneycontrol.com/mf/sipcalculator.php) that allow you to explore the power of compound interest in more detail. ### Why Should You Opt for Systematic Investing? There are a number of benefits to utilizing [a systematic investing approach](https://www.4tfg.com/systematic-investing). Some of them include the following: - **Flexibility:** You can increase or decrease your investments at any time, or even halt your contributions should your personal circumstances change. - **Simplicity:** By setting up a standing order with your bank, you don’t have to worry about making your regular investments. Everything can be automated, while you sit back and let your money work for itself. - **Discipline:** Investing requires discipline. But this doesn't have to be an onerous task. With systematic investing, you can develop good investing habits and achieve your financial goals at the same time. - **Long-term growth:** Over time, systematic investing will work to deliver beneficial gains while minimizing market timing risk. So don't delay. Begin your systematic investing plan today and start reaping the financial rewards that this powerful financial tool presents. ## Was this article helpful to you? ### Subscribe to our newsletter for free tips and articles to help you lead a smarter financial life. ### Related posts [![Bear, Bull, Wolf & Eagle: The Markets Reimagined & Redefined](https://www.4tfg.com/hubfs/Bear_Bull_Wolf_Eagle-The_Markets_Redefined.jpg)](https://www.4tfg.com/resources/bear-bull-wolf-eagle-markets-reimagined-redefined) [![Understanding Risk in Investing - Part 3 - Investment Methods and Risk Premiums](https://www.4tfg.com/hubfs/Understanding%20Risk%20in%20Investing%20-%20Part%203%20-%20Investment%20Methods%20and%20Risk%20Premiums%2010-13-20%20-%20Thumbnail.jpg)](https://www.4tfg.com/resources/understanding-risk-in-investing-part3-0-1-0) [![Understanding Risk in Investing - Part 2 - Modern Portfolio Theory Quantitative Tools and Statistics](https://www.4tfg.com/hubfs/BaseCamp_Archive/attachments/332823384-all-with-graphic.png)](https://www.4tfg.com/resources/understanding-risk-in-investing-part2-0-1) ## Leave a Comment ### Search 4tfg.com This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. ### **What Type of Investor Are You?** You have unique investment goals. 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Information throughout this site, including, but not limited to, stock quotes, charts, articles or any other statement or statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Nothing on this website should be interpreted to state or imply that past results are an indication of future performance. Neither we nor our information providers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user. THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY LINKED WEBSITE. Any opinions presented here are subject to change at any time without notice. Any comments or postings are provided for informational purposes only and do not constitute an offer or a recommendation to buy or sell securities or other financial instruments. Readers should conduct their own review and exercise judgment prior to investing. Investments are not guaranteed, involve risk and may result in a loss of principal. Past performance does not guarantee future results. Investments are not suitable for all types of investors. \*4Thought Financial Group claims compliance with the Global Investment Performance Standards (GIPS®). GIPS® is a registered trademark of CFA Institute. CFA Institute does not endorse or promote this organization, nor does it warrant the accuracy or quality of the content contained herein. 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