Is there space in your monthly budget for a regular investment?  There are a lot of benefits to the drip-feed approach.

It’s not long since you needed a large chunk of cash to start investing.  That’s changed now, and Moneycube can arrange investments from €250 per month.

We’ve described some of the benefits of investing via a monthly direct debit.

It’s easier to be good with your money

Setting up a direct debit investment helps you keep good money habits.  The amount you set is debited from your bank account by the fund provider each month, and invested for you in your chosen investment fund.

You can choose a regular date for the money to leave your account, and see the monthly buildup of your investment wealth.

Starting is easier

It often takes time to build up a lump sum, and inflation is eating into it while it stays on deposit.  If you start investing with smaller amounts, your money gets working for you more quickly.

At Moneycube, we do this online.

You don’t need to time the market

Markets move all the time.  When you add to your investment on a regular basis, you’re averaging out the cost at which you invest.  (This is known as Euro-cost averaging in the business).

For you, the investor, this means you’re not taking a gamble on a particular period being a high or a low point in the market.

Start now, change later

Once your regular investment is in place, it’s easy to make changes.  You can withdraw some funds, for example.

It’s also simple to increase your regular payment.

Or you can re-allocate your money into different investment funds.  For example, you could lock in gains in higher-growth funds by moving some money into a fund with a lower risk/ reward profile.

Slow and steady wins the race – consider putting a direct debit investment plan in place today.

By investing €400 a month you could save €27,900 in 5 years

Using our "Picture your money" tool, you can find out how your money could work for you.

Start now It only takes a minute to get started

Note: This is an initial indication to help you picture your money. Remember that with investments it is not possible to know for certain what returns you will achieve. Please note the investment warnings at the bottom of the page. This is the approximate before-tax return on an investment which grew at 6% over 5 years.


Should you be doing more with your money? Our free ebook guides you through your investment options and shows you how to avoid the investing pitfalls that could derail your finances.



How to get started investing in Ireland