It’s a lot easier if you have tools that can show the right perspective.

Here are the best ways to manage your finances, depending on your needs.

Everyone has different goals with their money.

The tool that’s best for you will depend on what you want to accomplish.

Some prefer to actively monitor their investments, while others want a hands-off approach.

It will also depend on how you invest.

So, we’ll go over several options based on a few different situations.

Right off the bat, this makes it very useful for saving money without thinking about it.

you might set up automatic deposits to your Sharebuilder account, likeany other bill.

That way, your savings aren’t readily accessible.

Don’t be scared if you don’t know what everything in the research tab means.

In the meantime, set up an automatic withdrawal from your bank.

you might also start dipping your toes in byinvesting very little.

Your first instinct may be to monitor the stock symbols day-to-day.

Heck, Google and Apple both have features to do this very thing built into their mobile operating systems.

However, this can only give you a narrow impression of how things change.

In the event that your investments go down a few days (or weeks!)

Both are important for ensuring that your money gets a solid return.

If they’re consistently underperforming against the rest of the market, you could consider selling.

The portfolio allocation tool on your dashboard is also helpful for seeing how much your accounts are diversified.

you’re free to also use theInvestment Checkup toolto look into diversification across various industries.

You should also check out Personal Capital’sRetirement Fee Analyzer.

you’re free to use this to see how much taxes and fees will affect yourretirement accountsover time.

It’s also helpful for estimating earnings over the course of your accounts' terms.

Not everyone can be a financial expert, and that’s okay.

However, it’s still worth knowing what’s going on with your accounts.

it’s possible for you to see the total value of your investments at a glance without much effort.

It’s perfect for creating alazy, low-risk investment strategy.

Betterment then offers you simplified goals like creating a safety net or planning for retirement.

The service will invest and diversify for you.

The service is largely a hands-off affair.

As an example, we’ll look atVoya Financial.

Voya handles retirement accounts for many employers.

When you first sign in, you’ll see a tool calledmyOrangeMoney.

This can help you determine how much to save.

Every provider will have different tools, so we won’t go too far into detail about Voya specifically.

But check with whatever company handles your retirement account and see what kind of monitoring tools are available