--- title: Systematic Investing by 4Thought Financial Group description: 4Thought Financial Group are specialists in maximizing the effects of high-impact, low-cost systematic investing. --- [![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/?hsLang=en-gb) - [![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) ![Systematic Investing](https://www.4tfg.com/hs-fs/hubfs/4Thought_SystematicInvesting_Hero.jpg?width=1600&name=4Thought_SystematicInvesting_Hero.jpg "Systematic Investing") # Systematic Investing ## High-Impact, Low-Cost Systematic Investing Few experts will dispute the notion that 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. Once you’ve taken action to begin, this largely mindless automated process becomes a powerful means of accumulating and compounding one’s wealth. At 4Thought Financial Group we’ve taken it upon ourselves to become advocates for this idea, and specialists in maximizing the effects of this process for our clients through high-impact low-cost systematic investing. ![Systematic Investing](https://www.4tfg.com/hs-fs/hubfs/4Thought_SystematicInvesting2.jpg?width=770&name=4Thought_SystematicInvesting2.jpg "Systematic Investing") ### **Understand the Need and the Basic Principles** The first and most important step in considering systematic investing is to understand why you are doing it. Think about the goals you have in your life, financial and otherwise, and visualize yourself achieving those goals. Now recognize that in order to achieve them you must start somewhere. Systematically investing your earned income on a monthly or more frequent basis is the best place to start. This is a way for you to take control of your future. - **Pay Your Future Self First:** Before you expend your earned income on short term needs, commit to prioritizing long term goals. - **Start Early:** The earlier you begin this process, the more you’ll put away and the greater the compounding effects of growth. - **Maximize Frequency:** Investing frequent smaller amounts is better than larger and less frequent amounts for risk management. - **Don’t Quit:** You may need to alter course occasionally, but do not stop until you have achieved the goal you set out for. ### **Develop a Simple Plan That You Can Realistically Implement** While regularly saving an arbitrary amount is better than doing nothing, you cannot achieve your goals if you have not defined them and constructed an appropriate plan to pursue them. 4Thought is primed and ready to help you quantify your objectives, determine what is realistic, and develop a flexible systematic investing plan for execution. - **Determine your goals and quantify them:** Retirement accumulation, educational savings, home ownership, starting a business - **Assess your resources and perform cash flow analysis:** Look at your income, savings, and assets. Make projections. - **Determine allocations, strategies, amounts, and direction:** Construct a conceptual roadmap to follow to success. - **Implement your plan and build your portfolio:** There are many ways to do this, but which is the right one? 4Thought can help. ### **Know the Pitfalls and Find Solutions to Counteract Them** There are several common enemies specific to your systematic investing goals that can derail your plan or steer you off course. You must know your enemy to defeat him. Let 4Thought be your compass and your guide in navigating these treacherous waters. - **Overconfidence:** Beware of the pure do-it-yourself approach, as overconfidence in investing can lead to painful regret. - **Lack of Time, Resources, or Skill:** Most individuals do not have enough of these crucial elements to invest well for themselves. - **Transactional Costs and Misaligned Incentives:** Transactional brokerage is costly and has significant conflicts of interest. - **Taxes and Expenses:** Addressing portfolio taxation and ongoing expenses can be game-changers for your ultimate outcome. ### **Use Multiple Methods of Investing to Increase the Potential for Success** Most low cost portfolio management programs give you only one option – passive index based asset allocation. This was never the only method of investment portfolio management, nor was it necessarily the best one – it was just the cheapest. But things have quickly evolved. 4Thought now provides a robust *low cost high impact* portfolio management program that includes passive methods as well as elements from other completely divergent methods of investing, including highly active methods. We also offer very unique specialized strategies that can only be applied for systematic investors, expanding the options for those with savable earnings. This allows investors to diversify not just by asset type, but also by method of investment, in an attempt to attack the investment problem from multiple angles and improve the probability of achieving long term goals. Through in-house management, reduced distribution costs, automation, and systematization of processes, we are able to provide this high impact approach at lower cost and with lower minimums than has been possible in the past through traditional portfolio management. ## **Ready to Start Investing?** Get the advantages of a robo-advisor with the personal support of a traditional investment team. Set up your account today and let 4Thought go to work for you. [Click here to get started](https://www.4tfg.com/sign-up?hsLang=en-gb)           [Learn more about our methodology](https://www.4tfg.com/investment-methodology?hsLang=en-gb) ## **Comprehensive Guidance For Your Wealth** 4Thought is designed to guide you, so the more that we know about you the better we can guide you. Our platform allows you to sync your other investments with us so you see a complete snapshot of your total net worth and your other accounts, all in one place. [Learn more about our wealth management services](https://www.4tfg.com/wealth-management?hsLang=en-gb) - [Call 1-516-300-1617](tel:+15163001617) - [Email info@4tfg.com](mailto:info@4tfg.com) - ABOUT 4THOUGHT [Investment Philosophy](https://www.4tfg.com/investment-methodology?hsLang=en-gb) [Management Team](https://www.4tfg.com/management?hsLang=en-gb) [In the Media](https://www.4tfg.com/media?hsLang=en-gb) [Sign Up](https://www.4tfg.com/sign-up?hsLang=en-gb)[Contact](https://www.4tfg.com/contact?hsLang=en-gb) SERVICES [Private Individual Investing](https://www.4tfg.com/investing?hsLang=en-gb) [SMAs for RIA /Institutional /Family Office](https://www.4tfg.com/financial-advisors-and-institutions?hsLang=en-gb) [Services for CPAs](https://www.4tfg.com/cpa-investing-services?hsLang=en-gb) [Private Wealth Management](https://www.4tfg.com/wealth-management?hsLang=en-gb) [Retirement Plan Services](https://www.4tfg.com/retirement-plan-services?hsLang=en-gb) RESOURCES [Financial News](https://www.4tfg.com/resources?hsLang=en-gb) [Investment Performance](https://www.4tfg.com/performance-requests?hsLang=en-gb) [CPA Continuing Education](https://www.4tfg.com/CPE-continuing-education?hsLang=en-gb) About 4Thought [Investment Philosophy](https://www.4tfg.com/investment-methodology?hsLang=en-gb) [Management Team](https://www.4tfg.com/management?hsLang=en-gb) [In the Media](https://www.4tfg.com/media?hsLang=en-gb)[Contact](https://www.4tfg.com/contact?hsLang=en-gb) Services [Private Individual Investing](https://www.4tfg.com/investing?hsLang=en-gb) [SMAs for RIA /Institutional /Family Office](https://www.4tfg.com/financial-advisors-and-institutions?hsLang=en-gb) [Services for CPAs](https://www.4tfg.com/cpa-investing-services?hsLang=en-gb) [Retirement Plan Services](https://www.4tfg.com/retirement-plan-services?hsLang=en-gb) [Private Wealth Management](https://www.4tfg.com/wealth-management?hsLang=en-gb) Resources [Financial News](https://www.4tfg.com/resources/?hsLang=en-gb) [Investment Performance](https://www.4tfg.com/investment-performance-services?hsLang=en-gb) [CPA Continuing Education](https://www.4tfg.com/CPE-continuing-education?hsLang=en-gb) [Investing Questionnaire](https://4tfg.typeform.com/to/ZRF2dJ) ![4Thought Financial Group](https://www.4tfg.com/hubfs/4thought_footer-logo.png "4Thought Financial Group") The information provided by 4Thought is educational only and is not to be interpreted or construed as investment or tax advice. © 2026 4Thought Financial Group Inc. Investment Advisory Services are offered through 4Thought Financial Group Inc., an SEC Registered Investment Adviser. Registration does not imply a certain level of skill or training. The content presented here is for informational purposes only and does not constitute a complete description of our investment advisory services or performance. This website is in no way a solicitation or offer to sell securities or investment advisory services except, where applicable, in states where we are registered (or notice filed) or where an exemption or exclusion from such registration exists. 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. [Form CRS, Firm Brochure (ADV Part2), Privacy Policy Notice, and Wrap Fee Program Brochure](https://www.4tfg.com/hubfs/Firm_Brochure_ADV_Pt2-Privacy_Policy-Wrap_Fee_Program_Brochure.pdf?hsLang=en-gb) [Disclosure](https://www.4tfg.com/disclosure?hsLang=en-gb) [BrokerCheck](http://brokercheck.finra.org/) 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. The GIPS firm definition excludes any third party asset management programs over which 4Thought maintains oversight advisory agreements on behalf of its clients, any arrangements under which 4Thought provides recommendations for client self-implementation, and any assets under advisory but not under direct management (in which 4Thought provides allocation changes or trading signals to third party firms but does not take discretion over the trading of client accounts). GIPS-compliant performance information for 4Thought's strategies may be obtained by email at [info@4tfg.com](mailto:info@4tfg.com); on the 4Thought website at [www.4tfg.com/performance-requests](https://www.4tfg.com/performance-requests?hsLang=en-gb); or by phone at (516) 300-1617. Disclaimer [Form CRS, Firm Brochure (ADV Part2), Privacy Policy Notice, and Wrap Fee Program Brochure](https://www.4tfg.com/hubfs/Firm_Brochure_ADV_Pt2-Privacy_Policy-Wrap_Fee_Program_Brochure.pdf?hsLang=en-gb) [Disclosure](https://www.4tfg.com/disclosure?hsLang=en-gb) [BrokerCheck](http://brokercheck.finra.org/) Investment Advisory Services are offered through 4Thought Financial Group Inc., an SEC Registered Investment Adviser. Registration does not imply a certain level of skill or training. The content presented here is for informational purposes only and does not constitute a complete description of our investment advisory services or performance. This website is in no way a solicitation or offer to sell securities or investment advisory services except, where applicable, in states where we are registered (or notice filed) or where an exemption or exclusion from such registration exists. 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. The GIPS firm definition excludes any third party asset management programs over which 4Thought maintains oversight advisory agreements on behalf of its clients, any arrangements under which 4Thought provides recommendations for client self-implementation, and any assets under advisory but not under direct management (in which 4Thought provides allocation changes or trading signals to third party firms but does not take discretion over the trading of client accounts). GIPS-compliant performance information for 4Thought's strategies may be obtained by email at [info@4tfg.com](mailto:info@4tfg.com); on the 4Thought website at [https://www.4tfg.com/performance-requests](https://www.4tfg.com/performance-requests?hsLang=en-gb); or by phone at (516) 300-1617. ```json { "@context" : "http://schema.org", "@type" : "Organization", "address" : { "@type" : "PostalAddress", "addressCountry" : "", "addressLocality" : "Syosset", "addressRegion" : "New York", "postalCode" : "11791", "streetAddress" : "6851 Jericho Turnpike Suite 120" }, "alternateName" : "4 Thought Financial Group", "areaServed" : { "@type" : "GeoCircle", "geoMidpoint" : { "latitude" : "+40.8100713", "longitude" : "-73.5172286" }, "geoRadius" : "150 km" }, "description" : "4Thought Financial Group are specialists in maximizing the effects of high-impact, low-cost systematic investing.", "email" : "[GDelorenzo@ClearHorizonGroup.Com, info@4tfg.com, no-reply@4tfg.com]", "image" : "https://www.4tfg.com/hubfs/4Thought-Financial-Group-OG.jpg", "logo" : "http://cdn2.hubspot.net/hubfs/2201374/4thought_header-logo.png", "naics" : "523920", "name" : "4Thought Financial Group", "sameAs" : [ "https://www.facebook.com/4ThoughtFinancialGroup", "https://www.linkedin.com/company/3043702", "https://www.youtube.com/channel/UCEHRK-25mAwfTlNzdvFSN3g", "http://investment-advisors.credio.com/l/39493/4thought-Financial-Group-Inc" ], "telephone" : "516-300-1617", "url" : "http://www.4tfg.com" } ```