How to Start Investing with $100 or Less in 2025

Many people think they need thousands of dollars to start investing — but in 2025, technology makes it possible to begin with just $100 or even less.

Why Small Investments Work

Fractional Shares – Buy part of a stock or ETF.
Low/No Fees – Many apps offer commission-free trading.
Compound Growth – Even small amounts grow over time.

Step 1: Choose a Low-Capital Investment Platform

Popular beginner-friendly apps:

Robinhood – Commission-free trading, fractional shares.
M1 Finance – Automated investing with pie charts.
Webull – Great for beginners & intermediate traders.

Step 2: Pick Beginner-Friendly Investments

Index Funds/ETFs – Diversified, low-cost.
Dividend Stocks – Generate passive income.
REITs – Real estate exposure with low entry cost.

Step 3: Use Dollar-Cost Averaging (DCA)

Invest a small amount regularly — for example, $25 every week or month — regardless of market conditions.

Step 4: Avoid Common Pitfalls

Don’t invest money you can’t afford to lose.
Avoid high-risk assets at the start (e.g., penny stocks, speculative crypto).
Don’t follow hype; stick to your plan.

FAQ

Q: Can I invest with $50?
A: Yes, with fractional shares and ETFs, you can start even with less than $50.

Q: Will I make money quickly?
A: Investing is for long-term growth, not quick profits.

Final Thoughts

Starting small is better than not starting at all. Your first $100 could be the seed of long-term wealth.

Next, read our Beginner’s Guide to Investing in 2025. to continue your journey.

Disclaimer: This article is for informational purposes only and does not constitute financial advice.