Think you need thousands of dollars to start investing? Not anymore. In 2025, starting with just $100 is not only possible — it’s smart. Thanks to modern apps and new platforms, anyone can start building wealth with a small amount and a little bit of consistency.
1. Invest in Fractional Shares
You no longer need to buy a full stock. Platforms like Robinhood, Public, or Fidelity let you invest in pieces of big-name stocks like Apple or Tesla — starting at $1.
2. Try a Robo-Advisor
If you don’t know what to invest in, robo-advisors like Betterment or SoFi Invest will build a portfolio for you based on your goals. Many allow you to get started with as little as $10.
3. Start a High-Yield Savings Fund
Want zero risk? Put your $100 in a high-yield savings account. It’s not “investing” in the traditional sense, but it’s a smart place to grow your cash safely — some banks offer 4–5% APY in 2025.
4. Use Investment Apps for Beginners
Apps like Acorns or Stash round up your daily purchases and invest the spare change. It’s an easy way to start with just a few bucks and grow from there.
5. Buy Into an ETF
Exchange-Traded Funds (ETFs) are a low-cost way to invest in a group of stocks. Some brokers allow you to buy fractional shares of ETFs too, so your $100 goes a long way.
6. Crypto (If You’re Curious)
Still want to explore crypto? You can buy $10 worth of Bitcoin or Ethereum on platforms like Coinbase. Just be aware — this is high risk and should be a small part of your portfolio.
7. Reinvest and Add More Later
The magic of investing comes from compounding. Start with $100 today, then add $20 every month. Over time, that small habit turns into serious growth.
Final Thoughts
You don’t need to be rich to start investing. You just need to start. With just $100, you can build a habit, learn the ropes, and open the door to financial growth. The best time to start? Today.
Ready to take the first step? Pick one method above and try it. Your future self will thank you.
