There are a lot of people out there who like the idea of investing, but don’t want to spend their time analyzing financial statements in order to save for their retirement. With the losses that pension funds saw during the financial crisis, many ordinary people are looking to take their financial future into their own hands.

There are several methods that a person that wants to invest, but doesn’t want to spend time at it, can do in order to save for their future. The first and most commonly used option is to put money in the bank. Many investors settle for this option because it is the easiest and simplest out there. Perpetual investments are an alternative that take little work to put together.

Perpetual income

There are a few ways to go about investing money with as little work as possible. the simplest, and often the most effective, is to take the same amount of money every month and invest it in abroad market index like the S&P 500.

This strategy would have netted an investor 66% over the last decade, including the losses endured during the 2008 financial crisis. A 3% long term interest rate over a decade brings just 34% back to the investor. The 66% return on the S&P 500 doesn’t include dividend return or other special payments.

There are other options to consider. Managed funds can be the best course for some investors. They allow a good deal of customization and personalization for investors, but they charge some fees for their services.

Ultimately if you don’t trust pension funds and you want to make money for your retirement, it may be better to stay away from banking deposits. Market funds and managed funds offer investments that are likely to beat interest rates.