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David Allen revolutionised productivity with a deceptively simple concept in his bestselling book "Getting Things Done." Among his many insights, perhaps the most transformative is the two-minute rule: if something takes less than two minutes to do, do it immediately rather than adding it to your to-do list. The logic is elegant--the time spent writing it down, remembering it, and eventually getting around to it far exceeds the time needed to complete the task right away. This principle, born from the world of personal productivity, offers some nice lessons for managing your investments. Just as Allen discovered that small tasks left undone create disproportionate mental overhead, small investment-related tasks left unattended can create outsized financial problems. Consider the common scenario of receiving dividend payments or maturity proceeds, or some other lump sum that sits idle in your savings account for months. The two-minute action of immediately transferring these funds into a liquid fund or a Systematic Investment Plan (SIP) prevents the erosion of purchasing power due to inflation. Yet most investors treat this as a task for "later," watching their money lose value while they procrastinate. Similarly,
This article was originally published on June 16, 2025.
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