If you’re in the middle of growing your career or raising a family, retirement planning may be the last thing on your mind. But as Registered Financial Planner Christopher Cervantes points out, waiting until life “slows down” can cost you more than you think.
“The reality is, most professionals are too busy to track the market or rebalance portfolios regularly,” Cervantes tells Financial Adviser PH. “But that doesn’t mean you can’t build a solid retirement plan. You just need the right tools.”
Set It and Forget It: The Power of Automated Investments
Today’s financial tools make it easier than ever to invest for your future without the daily stress of market watching. Cervantes recommends automated retirement mutual funds, particularly those that include life insurance and auto-conversion features.
These plans are designed to grow your wealth early through equity exposure. Then, as you approach retirement age, they automatically shift to more stable fixed-income investments, protecting your nest egg from market volatility.
“You don’t need to be a finance expert or monitor charts every week,” he says. “These instruments are built for busy professionals who still want long-term security.”
Why Automation Works for Career-Focused Individuals
For those juggling work deadlines, family responsibilities, and personal goals, simplicity matters. Automated investment funds allow you to:
Contribute regularly without decision fatigue
Grow your funds passively through market exposure
Secure your payout with built-in insurance or pension conversion
Avoid emotional investing during market swings
Some funds even provide a lifetime income stream upon retirement, functioning like a self-made pension. And the best part? Everything runs in the background while you focus on building your life today.
Don’t DIY—Get a Pro to Help You Start
Even with automation, Cervantes strongly advises consulting a financial planner. “A good adviser can match you with the right fund and adjust it to your timeline, risk tolerance, and future goals.”
Bottom line: You don’t need to choose between career success and retirement security. With today’s automated financial tools and the guidance of a qualified planner, you can build wealth passively and retire confidently—without the day-to-day stress.
