Quick Recap: In our mid-year check-in post, we introduced three practical exercises to help you evaluate your financial progress. We then explored how to evaluate your money mindset to identify limiting beliefs. Now, let’s dive into the second exercise – optimizing your Beewise investments to ensure you’re getting the most from your setup. This exercise builds on the INVEST pillar and helps you evaluate if your investment strategy is still aligned with your priorities.

So you’ve taken the big step of starting to invest with Beewise, that’s amazing! One of the best things about Beewise is its “set it and forget it” approach to investing. But even the most hands-off strategy benefits from an occasional check-in. The halfway point of the year is the perfect time to ensure your investment goals still match your current priorities and that you’re funding them consistently enough to make real progress.

The good news? This isn’t about overhauling your entire investment strategy or constantly switching between portfolios (which would actually hurt your long-term returns). Instead, it’s about making sure the foundation you’ve built is solid and working as efficiently as possible. Let’s get your Beewise investments optimized for the next 6 months and beyond!

The 30-Minute Beewise Check-Up 🔍

Let’s start with a comprehensive review of your current Beewise setup. This quick check-up will give you clarity on where you stand right now.

Gather Your Information

To get started, grab your phone and open your Beewise app. We’ll be exploring several tabs to get a complete picture:

1. Your Investments tab to review your goals and portfolios
2. Your Activity tab to check your transactions and funding consistency
3. Your Spending tab to understand your cash flow

Review Your Current Goals

Navigate to the Investments tab and look at each goal you’ve created:

Haven’t set up your first goal yet? Not a problem, here’s how!

• Tap the Goals tab in the Investments section
• Select “Create a goal”
• Choose from suggested goals like Education, Retirement, or create a Custom Goal
• Give your goal a name that motivates you
• Set a target balance amount and timeline for reaching it
• Choose a portfolio that aligns with your goal
• Start with as little as €10 to begin your investment journey

If you already have goals set up, continue with these steps:

1. List all your current investment goals

• Write down each goal name
• Note the target amount
• Check the timeline you’ve set
• Identify which portfolio each is connected to

2. Check your progress on each goal

• What percentage of each goal have you reached?
• Are you on track to meet your timeline?
• Which goals are moving quickly vs. lagging?

3. Review your portfolio allocations

• Remember which portfolio(s) you’ve selected
• Check if your goals are spread across different portfolios or concentrated in one

This review gives you a clear snapshot of your current investment setup. No judgments here, you’re just getting the facts so you can make informed decisions.

Aligning Your Goals with Your Priorities 🎯

Now that you know what you’re currently investing for, let’s make sure those goals still match what matters most to you today.

Priority Alignment Check

1. Write down your top 3 financial priorities right now

• Be honest about what matters most to you today
• These may have shifted since you first set up your goals

2. Compare your current goals with these priorities

• Do your existing Beewise goals directly support these priorities?
• Are there gaps between what you’re investing for and what you care about?
• Are there goals you set up that may no longer be relevant?

3. Identify potential adjustments

• Goals that might need more funding because they’re now higher priority
• Goals that might need extended timelines because they’re less urgent
• New goals you might want to create to match your current priorities

Remember, this isn’t about changing your portfolio selections but rather ensuring the goals you’re working toward still matter to you.

Example Priority Check:

My Current Top 3 Financial Priorities:

1. Save for a home down payment in 2 years
2. Build retirement savings
3. Create a travel fund for next summer

My Current Beewise Goals:

• “Future Home” – On track (aligns with priority #1)
• “Retirement” – Behind schedule (aligns with priority #2)
• “New Car” – On track (no longer a top priority)
• Missing: No goal for travel fund (priority #3)

In this example, you might consider:

• Increasing funding to your “Retirement” goal
• Evaluating if the “New Car” goal still matters to you
• Creating a new goal for your travel fund (or you could simply rename the “New Car” goal to “Travel Fund” and adapt the goal and timeline accordingly)

Optimizing Your Funding Strategy 💸

Having goals is great, but they only work if you’re consistently funding them. Let’s check if your current approach to adding money to your investments is working optimally.

Funding Consistency Check

Head to your Activity tab and review your investment history:

1. Analyze your investment pattern

• How often have you added money to your goals?
• Is there a consistent pattern or is it random?
• Are there long gaps between investments?

2. Compare with your cash flow

• When do you typically have money available to invest?
• Do your paydays align with when you’re making investments?
• Are you trying to invest at times when you’re typically short on cash?

Create Your Optimal Funding Schedule

Based on your analysis, determine the best approach for consistent investing:

1. Choose your ideal frequency

• Monthly: Align with your salary payment (most common in Europe)
• Consider splitting into smaller weekly amounts if that helps your cash flow

2. Select the optimal day

• 2-3 days after your salary payment
• After major bills have cleared
• Early in the month before discretionary spending

3. Determine your baseline amount

• What can you confidently invest every month without fail?
• Start with a number that feels almost too easy
• You can always increase it later

Example Funding Schedule:

My Optimal Funding Approach:

• Frequency: Monthly (matches my salary payment)
• Day: 3^rd of each month (after rent and major bills)
• Baseline Amount: €100 total (split between goals)
• Allocation: €50 to Home Down Payment, €30 to Retirement, €20 to Travel

The key is finding a schedule that works with your natural cash flow, making it easier to maintain consistency.

Setting Up Investment Reminders 🔔

Now that you’ve determined your ideal funding schedule, let’s make sure you stick to it by setting up effective reminders.

Beewise Reminders Setup

Beewise has built-in reminder features to help you stay consistent:

1. Enable monthly investment reminders

• Go to the Activity tab
• Find the “Monthly investment reminders” toggle
• Make sure it’s turned ON for each Goal

2. Review your reminder settings

• Check when your reminders are scheduled
• Adjust timing if it doesn’t match your optimal funding day

Additional Reminder Strategies

For maximum consistency, consider adding these complementary reminders:

1. Calendar alerts

• Add recurring calendar events on your investment days
• Include the total amount and allocation in the description
• Set alerts 1 day before and on the day

2. Payday auto-reminders

• Set a reminder tied specifically to when you get paid
• Make “investment transfer” part of your payday routine
• Add it to your payday checklist if you have one

3. Visual cues

• Add a recurring task in your to-do app
• Put a sticky note on your computer or fridge
• Create a phone wallpaper with your investment schedule

The goal is to make investing a non-negotiable part of your financial routine and as automatic as paying your rent or phone bill.

Exploring Unused Beewise Features 🔎

Beewise offers several features that can make your investing experience more effective. Let’s make sure you’re taking advantage of all of them.

Feature Utilization Check

Navigate through the app and check if you’re using these helpful features: 

1. In the Activity tab:

• Do you review your “Average Monthly Investment” chart?
• Have you set up “Monthly investment reminders”?

2. In the Spending tab:

• Are you using the Monthly budgeting feature?
• Have you set up the option to invest budget surpluses?
• Are you tracking spending categories to find ways to save or money to invest?

3. In the Goals section:

• Have you enabled notifications to make sure you are aware when goals are reached?
• Are you reviewing performance metrics?
• Have you checked future projections?

Creating Your “Set It and Forget It” System 🤖

Now that you’ve reviewed your goals and optimized your funding strategy, let’s pull everything together into a simple, sustainable system that embraces Beewise’s “set it and forget it” philosophy.

Your Investment Autopilot

The beauty of Beewise is how it removes the need for constant decisions about your investments. To take full advantage of this, create a simple framework:

1. Regular review schedule

• Monthly: Quick 15-minute check on all goals (align with your payday)
• Quarterly: More comprehensive review of progress and priorities (June, September, December)

2. Simple Decision rules

• Increase investments by 10% after any pay raise
• Temporarily adjust funding if necessary during financial emergencies
• Consider adding a new goal only when priorities significantly change

3. Celebrate your progress 

• Take note when you reach 25%, 50%, and 75% of each goal
• Share milestone achievements with a friend or family member
• Plan a small reward when you fully fund a goal

Example Investment System:

My Beewise Autopilot:

Monthly Check-in (1st of month):

• Review last month’s investments
• Confirm next month’s funding amount
• Check progress toward each goal

Key Decision Points:

• After pay raises: Increase monthly investment by 10%
• Life changes: Re-evaluate goal priorities
• December: Annual review of all goals and progress

Celebrations:

• Note goal milestones in my calendar
• Share progress updates at 50% completion
• Small reward when a goal is fully funded

The beauty of this system is that it removes the need for constant decisions about whether, when, and how much to invest. You’ve already made those decisions in advance!

Final Thoughts: The Power of Optimization 💪

Optimizing your Beewise investments isn’t about chasing the latest investment trends or constantly tweaking your portfolio selections. It’s about ensuring your investment goals align with what truly matters to you and making the funding process as automatic and painless as possible.

The real secret to investment success isn’t picking the perfect stocks or timing the market, it’s consistency over time. By creating a system that makes consistent investing easy and automatic, you’re setting yourself up for long-term financial growth.

Remember that small, regular investments consistently made over time will almost always outperform sporadic larger investments or attempts to time the market. This optimization exercise helps you create the conditions for that consistency.

Which part of this exercise will you implement first? Whether it’s aligning your goals with current priorities, setting up a more effective funding schedule, or creating better reminders, taking action today puts you on the path to greater financial success by December.

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