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How To Convince Your Partner That Investing Is Important

Kendra Tan

Kendra Tan

Last updated 28 January, 2022

People are afraid of investing mainly because they don’t have the knowledge and are terribly worried about losing money. But here’s how you can convince your spouse to invest.

You love your partner very much and want the best for them, especially when it comes to their finances. 

Many couples fight/break up over financial issues, and you don’t want to end up like that. Yes, money won’t buy happiness, but it does sure solve a hell lot of problems. 

If you’re feeling annoyed and frustrated knowing that your partner can do more to make their money work for them but they’re just reluctant to, here are some tips on how to convince your partner that investing is important for your future together. 

Disclaimer: there is no sure-fire solution to get a risk-averse (or stubborn) spouse to start investing. Similar to your relationship, it requires constant communication and discussion.

#1 Have a casual chat with them

For those of you who genuinely believe that investing is the only way out of this rat race, you’ll need to take out time to chat about finances with your partner. 

Here’s what someone from the Seedly community suggested (language is edited for clarity): 

You (look stressed and worried about the future): “Hey, dear. I think we need to find a professional independent financial advisor to help us plan for our future and retirement.” 

Use the soft approach, and observe their reaction. Do not say anything about investment or stocks just yet. 

The first conversation may not work, so just repeat whenever you get the chance to. After that, silently walk away and look sad if they refuse to talk about it. Don’t argue with them, they will come to a realisation in time. When they finally bring it up on their own accord, it’s time to take action.  

#2 Suggest to work with an independent financial advisor 

If your partner is open to investing but doesn’t do it because they are lazy, suggest that they consult a financial advisor (not the insurance type). Their fees may eat into your profits, but it’s a price to pay if you don’t want to read up on all the financial jargon. Nevertheless, it beats having all your money sitting in the bank with a pathetic interest rate. 

Explain that an independent financial advisor will look at your overall financial situation (including your savings, CPF, insurance, etc) and help you craft an investment portfolio. 

Try to sell your partner the idea of financial security — be it a graceful retirement, your children’s education, and/or protection if an accident occurs.

Bear in mind that your loved ones may not trust your advice. However, when you refer to someone who’s a certified professional, they may be more inclined to listen. 

#3 Show them proof that investing works 

Tell them that you’ve seen pretty amazing results from your investments. Show them your portfolio, the profit you’ve earned from investing and how much you both can potentially earn if you invest right together.

At the same time, tell them your plan to FIRE with this method. Explain that if they still don’t want to make their money work for them, it will put a strain on your retirement goals because you will have to prepare double the amount of funds.

#4 Bring your partner on a retirement dream date

Bring them on the holiday of their dreams. Take first-class flights, stay at fancy hotels and dine at Michelin-star restaurants. Once your partner has gotten a taste of that, they’ll be left wanting more.

That’s when you slide the message in. Tell them that it is possible to achieve this lifestyle and be financially comfortable — only if they do more with their money. Their job alone isn’t going to cut it. Investing is essential if they want that life. 

Read these next:
5 TV shows And Movies That Taught Us Life-Changing Money Lessons
Money Confessions: What’s The Most Singaporean Thing You’ve Done To Manage Your Personal Finances?
5 Habits of Super Frugal People You Should Follow If You Want To Save Money
Money Confessions: How COVID-19 Fixed My Finances
I’m 27 And I Accumulated My First $100,000 By Investing And Saving Over 4 Years

Avid promo code hunter and haggler. Kendra doesn’t like paying full price for anything. She’s the best person to bring along if you’re travelling on a budget. Have an interesting story to tell? E-mail her at


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