Making automatic investments is generally seen as a good financial strategy for a few reasons: Life can get busy. You do not want to miss out on long-term growth just because you are too caught up in your job, raising a child, etc. An AIP can ensure that you continue making regular deposits without having to worry about manually doing it yourself each time. Not everyone has the investment background required to carefully select a basket of stocks or bonds each time. The AIP allows you to enter your money into a defined list of assets each time you make a deposit. Over the long term, the markets have trended up. While past performance is never a guarantee of future results, small sums of money can add up into hundreds of thousands or even million dollars due to the effects of compounding.