🧠 How to Crush Your Financial Goals in 2025

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Learn how to maximize your investing potential and level-up your personal wealth game with practical strategies for Gen Z and new investors alike.

PortfolioGPT community, if you made 2025 the year to start building serious wealth, combine these powerful strategies will set yourself up for long-term success. The best part? You can start with whatever amount you're comfortable with today!

🗓️ Automate Your Investing

There's a well-known investing principle, popularized by Kenneth Fisher, founder of Fisher Investments, that goes: Time in the market beats timing the market.

Today's new tech-savvy investors are letting new features, like automatic investing, handle the heavy-lifting of essential daily or weekly tasks, to make their personal wealth journey more efficient. This "set it and forget it" methodology ensures your investment strategy stays on track without requiring constant monitoring or manual intervention.

Some examples of automatic investing, include manually set-up re-occurring investments and robo-advisors that make regular contributions and investments, portfolio rebalancing or dividend re-investments.

By removing the emotions that can stem from consuming daily financial news, the ability to automatically invest offers significant advantages for new investors, particularly through its hands-off approach and consistent investment strategy to maintain a disciplined approach.

🍰 Invest with Fractional Shares

Gone are the Boomer investing days when you needed $100 (or even $1,000+) to start your personal wealth journey. The recent advent of fractional share purchases has revolutionized retail investing because it allows investors to own a fractional percentage of a single stock (10%, 50%, 125%) while participating in proportional appreciation (or loss!) and dividends, based on ownership percentage.

This democratizes investing for to all, by making it more financially flexible and accessible to purchase any stock, index fund or ETF, regardless of the share price. With fractional shares, there's a low minimum amount needed to start - as little as $5 on US brokerages, like Robinhood, Sofi or Fidelity.

One of the most significant advantages is accessibility to high-value $100+ stocks that might otherwise be out of reach, such as Nvdia, Microsoft, Amazon, Google or Apple.

📊 Leverage Exchange-Traded Funds (ETF’s)

Exchange-traded funds (ETFs) became all the rage in the post-pandemic years, so it’s no surprise that their diversified approach and lower fees model have become the go-to investment vehicle for new investors.

According to an annual report by NASDAQ, Gen Z and Millennials are the two most likely generational groups to have ETF holdings in their retirement accounts, at 81% and 75%, respectively.

ETFs are an single, actively-managed investment fund that represent a basket of company stocks for broad diversification, usually market-cap weighted. Many popular ETFs, such as VTI, VOO or QQQ mirror benchmark indices (e.g. S&P 500, Nasdaq or Russell 2000), meaning they are so diversified, new investors may achieve their personal wealth goals by owning just a few ETFs.

Operationally, ETFs are traded throughout the day, like stocks, which allow investors to view their investments in real-time and liquidate if necessary (such as a black swan event) versus mutual funds that settle overnight after the trading day.

In addition, ETFs generally have lower fees than mutual funds, and are more tax-efficient because they generate fewer capital gains, to help new investors keep more of their returns.

💪 Pro Tip: Under ‘Preferred Assets’ in the PortfolioGPT filter, select ETFs to generate ideas based on your personal time-horizon and risk-tolerance.

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🎯 Putting It All Together

Whether you're saving for retirement, or specific savings goal (like the down payment for a car or home), a thoughtful approach to investing that combines these three strategies, will help achieve them with peace of mind.

• Set-up automatic investing through a brokerage with that featured-enabled, to regularly invest weekly, bi-weekly or monthly.

• Diversify your portfolio with index ETFs for a balanced approach and active-management with low-cost fees

• Alternatively, utilize fractional share-ownership to diversify your exposure across the stock market by only purchasing a percentage of a stock.

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