Think you need thousands to start investing? Think again. In 2025, technology has made investing more accessible than ever. You can begin building wealth with just $100 — and a smart strategy.
Step 1: Set a Goal
Are you investing for retirement, a major purchase, or financial freedom? Defining your goal helps determine your risk level and investment choices.
Step 2: Choose the Right Platform
Select a brokerage or investing app that allows fractional shares and has no account minimums. Popular options include Robinhood, Public, and M1 Finance.
Step 3: Pick Your Investment Type
- ETFs (Exchange-Traded Funds): Great for diversification and low fees.
- Index Funds: Mirror the performance of the market with minimal risk.
- Stocks: Buy fractional shares of large companies like Apple or Google.
- Robo-Advisors: Let AI create a diversified portfolio for you, based on your risk profile.
Step 4: Automate and Stay Consistent
Even if it’s just $10 per week, automatic contributions build habits and let you benefit from dollar-cost averaging, which reduces the impact of market volatility.
Step 5: Learn and Grow
Use free educational resources to build your knowledge over time. The more you understand investing, the better decisions you’ll make.
Bonus Tip: Avoid Fees
Always check for trading fees, monthly charges, or hidden costs. Low-cost investing is key when starting small.
Conclusion
Starting with $100 might feel small, but it’s the first step to long-term wealth. With the right tools, patience, and consistency, your investment journey can begin today — and pay off for years to come.
