In 2025, the dream of growing wealth without sacrificing precious time is more achievable than ever for Australians. The rise of hands-off investing—where your money works for you with minimal day-to-day involvement—has been turbocharged by tech, low-cost funds, and a wave of regulatory changes. If you want to invest but don’t want to be glued to market news or spreadsheets, this approach could be your ticket to long-term financial freedom.
What is Hands-Off Investing?
Hands-off investing, sometimes called ‘set and forget’ investing, lets you build wealth without constantly monitoring markets or making frequent trades. Instead, you rely on diversified portfolios, automation, and professional management. The core idea: let systems or experts handle the heavy lifting, so you can focus on your career, family, or passions.
In Australia, hands-off investing has surged thanks to the popularity of ETFs, managed funds, and robo-advisors. These tools are designed for both beginners and experienced investors who prefer a passive approach.
Key Strategies for the Hands-Off Investor in 2025
Here’s how Australians are embracing hands-off investing this year:
- Exchange-Traded Funds (ETFs): ETFs track indexes like the ASX 200 or global markets. They offer instant diversification, low fees, and can be bought via most online brokers. In 2025, ETF options have expanded, including ESG-focused and thematic funds.
- Robo-Advisors: Digital platforms like Stockspot, Six Park, and Raiz use algorithms to build and rebalance portfolios based on your risk profile. Recent ASIC guidelines have improved transparency, making robo-advice more accessible and trustworthy.
- Managed Funds: For those who want even less involvement, managed funds pool investors’ money and let professionals handle the asset selection. Some funds now offer AI-assisted decision-making and ESG screening.
- Automated Regular Investing: Many platforms let you set up recurring deposits, so you invest a fixed amount weekly or monthly. This harnesses ‘dollar-cost averaging’, reducing the risk of market timing.
Real-world example: Sam, a 35-year-old Sydney teacher, uses a robo-advisor to invest $500/month into a diversified portfolio. Over five years, she’s seen steady growth without once needing to research individual stocks or stress over market dips.
2025 Policy Updates and What They Mean for Investors
This year, several policy shifts are reshaping the hands-off investing landscape:
- ASIC’s Digital Advice Review: New standards require clearer fee disclosure and stronger investor protections from robo-advisors. This means more transparency for you, the investor.
- Superannuation Rule Changes: As of July 2025, the concessional cap has increased to $30,000, making automated salary sacrifice into super even more attractive for hands-off investors.
- ETF Tax Efficiency: Updates to capital gains tax rules for managed ETFs have streamlined distributions, reducing end-of-year admin headaches for investors.
- ESG Reporting: Stricter requirements for ESG-labelled funds ensure your hands-off investments genuinely align with your values.
These changes make it simpler and safer for Australians to invest passively, with less risk of hidden fees or greenwashing.
Is Hands-Off Investing Right For You?
This approach isn’t just for the ultra-busy or finance-phobic. It suits anyone who wants:
- Time Efficiency: No need to watch the market daily or stress over every economic headline.
- Diversification: Instant exposure to dozens or hundreds of assets, smoothing out risk.
- Low Costs: Automated investing often comes with lower fees than active management.
- Long-Term Growth: Hands-off strategies are designed for steady, compounding returns, not quick wins.
But it’s not a total autopilot. Review your goals annually, check performance, and ensure your strategy still fits your life stage and risk tolerance.
The Bottom Line
In 2025, hands-off investing in Australia is more accessible, affordable, and effective than ever. With new regulations, smarter platforms, and a growing menu of investment options, there’s never been a better time to let your money do the hard work. Whether you’re building wealth for retirement, your kids’ future, or just peace of mind, a hands-off approach can help you get there—without sacrificing your weekends or your sanity.
