Of Course You Can Start Investing With $100. Here’s How (2024)

Investing your $100 can be pivotal in generating passive income, preparing for financial uncertainties, and achieving long-term goals. The magic of compound interest implies that even modest sums can snowball over time.

While many might dismiss the potential of investing such a seemingly insignificant amount, numerous options available today can turn this nominal sum into a sizeable nest egg.

Investment Options For $100

Savings Account

It is a secure place to stash cash while earning modest interest. Savings accounts offer high liquidity, making funds readily accessible for withdrawals or transfers.

However, the interest rates of traditional savings accounts often don’t outpace inflation, which means the purchasing power of your money might diminish over time, even if the nominal amount increases.

Opening a savings account involves visiting a bank or credit union, in-person or online, and providing necessary identification and personal information, such as a Social Security or taxpayer identification number.

Review the terms and conditions, including interest rates, minimum balance requirements, and associated fees, before finalizing your choice.

Once the account is opened, you can deposit funds and earn interest based on the institution’s offerings. Ensure that the chosen institution is FDIC-insured or has a similar guarantee to protect your deposits.


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Individual Stocks

Investing in individual stocks allows participation in a company’s growth and potential dividends. However, stock picking requires thorough research and market understanding. Beginners might struggle to gauge the right stocks, and value depreciation is always a risk.

You must open a brokerage account with platforms such as E*TRADE, Robinhood, or Fidelity, among others. After funding the account, you can search for the desired company’s stock ticker, e.g., AAPL for Apple, Inc., and buy shares at the current market price.

With the advent of fractional shares, many platforms now allow investors to purchase portions of a stock, making it accessible even with limited capital.

Exchange-Traded Funds

ETFs are collections of securities, often tracking an index. They allow you to diversify investments across a wide range of assets. Additionally, ETFs usually come with lower expense ratios compared to other funds.

Myriad ETFs are available, from those focusing on specific sectors to those tracking global indices.

Like stocks, you would need to open a brokerage account with a financial institution or online platform to invest in ETFs. After set up, you can search for the desired ETF by its ticker symbol and purchase it just as you would a regular stock.

It’s essential to do due diligence before investing, and consider factors such as the ETF’s underlying assets, expense ratio, and historical performance.


These are digital platforms offering automated financial planning services with minimal human intervention. They analyze your financial situation and goals to craft and manage a portfolio accordingly.

Most robo-advisors charge significantly lower fees than traditional financial advisors. Their automated strategies ensure consistent portfolio rebalancing and optimize returns.

While convenient, robo-advisors might not cater to the nuances of individual financial scenarios. Also, the absence of human judgment might be disadvantageous in complex market conditions.

Investing under a robo-advisor involves registering on a website or mobile app. Once signed up, you must complete a questionnaire detailing your financial goals, risk tolerance, and investment horizon.

The robo-advisor then uses algorithms to recommend a tailored portfolio of investments, often consisting of a mix of ETFs and bonds.

After you approve the suggested allocation and transfer your $100, the robo-advisor will automatically invest and manage, periodically rebalancing the portfolio to maintain your desired asset allocation and optimizing for factors like tax efficiency.

Peer-To-Peer Lending

P2P lending involves investing money directly to individuals or small businesses through online platforms, sidestepping traditional intermediaries like banks. Your $100 can earn interest that is usually higher than traditional savings accounts.

To start P2P lending, register on a reputable platform. You will undergo a standard verification process, and once approved, you can browse available loans, reviewing borrower profiles, credit ratings, and loan purposes.

After selecting desired loans, you commit a specific amount disbursed to the borrower. In return, you will receive monthly repayments with interest.

It’s essential to note that returns aren’t guaranteed, and the principal investment is at risk if borrowers default.

Final Thoughts

While $100 can open doors to various investment opportunities, you must temper your expectations. Such a sum won’t transform overnight into a fortune, but it’s a step in the right financial direction.

Be patient. The most successful investors often adopt a long-term perspective, understanding that true growth is gradual.

Remember that periodically adding to your initial investment can accelerate growth. Consider reinvesting your returns to capitalize on compounding. Seeking professional advice to craft a more tailored strategy is also beneficial.

The best time to start investing was yesterday. The next best time? Now. Embrace the journey, starting with whatever you have, even as little as $100.

Of Course You Can Start Investing With $100. Here’s How (2024)


Can I start investing with $100? ›

You can invest $100 in several high-risk ways, including: Individual stocks. In addition to their volatility and risk, individual stocks can also provide high returns. Options trading.

How to turn $100 into $1000 in a day? ›

How To Invest $100 To Make $1000 a Day in 20 Ways
  1. Invest in real estate.
  2. Gather your savings in a high-yield savings account.
  3. Invest in the stock market.
  4. Start a blog.
  5. Use robo advisors.
  6. Invest in cryptocurrency.
  7. Start an e-commerce business.
  8. Start a dropshipping business.
Apr 1, 2024

How much will I have in 30 years if I invest $100 a month? ›

Investing $100 per month, with an average return rate of 10%, will yield $200,000 after 30 years. Due to compound interest, your investment will yield $535,000 after 40 years. These numbers can grow exponentially with an extra $100. If you make a monthly investment of $200, your 30-year yield will be close to $400,000.

What happens if you save $100 dollars a month for 40 years? ›

According to Ramsey's tweet, investing $100 per month for 40 years gives you an account value of $1,176,000. Ramsey's assumptions include a 12% annual rate of return, which some critics have labeled as optimistic given that the long-term average annual return of the S&P 500 index is closer to 10%.

How much money do I need to invest to make 1000 a month? ›

A stock portfolio focused on dividends can generate $1,000 per month or more in perpetual passive income, Mircea Iosif wrote on Medium. “For example, at a 4% dividend yield, you would need a portfolio worth $300,000.

How to invest $100 dollars for quick return? ›

What Are Your Options When Investing $100?
  1. Start a Side Hustle. ...
  2. Enroll in a Course or Certification. ...
  3. Real Estate. ...
  4. Fractional Shares. ...
  5. Open a Savings Account. ...
  6. Invest in Bonds. ...
  7. P2P Lending Sites. ...
  8. Stocks/Mutual Funds.

How to double $2000 dollars in 24 hours? ›

The Best Ways To Double Money In 24 Hours
  1. Flip Stuff For Profit. ...
  2. Start A Retail Arbitrage Business. ...
  3. Invest In Real Estate. ...
  4. Play Games For Money. ...
  5. Invest In Dividend Stocks & ETFs. ...
  6. Use Crypto Interest Accounts. ...
  7. Start A Side Hustle. ...
  8. Invest In Your 401(k)
May 1, 2024

How to flip $100 to $1000? ›

How to Turn $100 Into $1,000
  1. Opening a high-yield savings account. ...
  2. Investing in stocks, bonds, crypto, and real estate. ...
  3. Online selling. ...
  4. Blogging or vlogging. ...
  5. Opening a Roth IRA. ...
  6. Freelancing and other side hustles. ...
  7. Affiliate marketing and promotion. ...
  8. Online teaching.
Apr 12, 2024

How much money will I have if I invest $100 a month? ›

A $100 monthly investment doesn't seem like a lot, but when you put this money into the market, it earns returns. If you earn 10%, in a year, your $100 initial investment would be worth $110.00. Next year, you would earn 10% not on $100, but instead on $110, so you'd end up with $121.00.

Are penny stocks worth it? ›

Penny stocks are among the market's most dangerous stocks, so you may pay a much greater price than you first expect, including potentially losing all of your investment. Here's what a penny stock is and why it's so risky to investors looking to grow their wealth.

What happens if you save $100 dollars a month for 10 years? ›

But by depositing an additional $100 each month into your savings account, you'd end up with $29,648 after 10 years, when compounded daily. The interest would be $7,648 on total deposits of $22,000.

How much is $500 a month invested for 10 years? ›

What happens when you invest $500 a month
Rate of return10 years30 years
Nov 15, 2023

How much is $200 a month for 20 years? ›

Investing as little as $200 a month can, if you do it consistently and invest wisely, turn into more than $150,000 in as soon as 20 years. If you keep contributing the same amount for another 20 years while generating the same average annual return on your investments, you could have more than $1.2 million.

How much is $100 a month for 5 years? ›

Short-term investor.

You plan to invest $100 per month for five years and expect a 10% return. In this case, you would contribute $6,000 over your investment timeline. At the end of the term, SmartAsset's investment calculator shows that your portfolio would be worth nearly $8,000.

Is 200 a month good for a 401k? ›

Other personal financial advisors say that workers should invest between 6% and 10% of their monthly income. 1 If you make $2,000 a month, this target sets the goal of between $120 and $200 monthly.

What is the best investment for $100 dollars? ›

11 Ways to Invest $100
  • Start an emergency fund.
  • Save for a child's education.
  • Start a brokerage account.
  • Open a robo-advisor account.
  • Consolidate and pay off debt.
  • Start a retirement account.
  • Peer-to-peer lending.
  • Consider cryptocurrency.
Mar 12, 2024

Is $100 a week enough to invest? ›

Investors should allocate $100 each week and buy shares of dividend-paying companies equipped with strong fundamentals. So, if you invest $100 a week, your equity portfolio would balloon to $5,200 in a year and $26,000 in five years.

Where should I invest $100? ›

  • Invest in index funds or ETFs.
  • Robo-advisor platforms.
  • Dividend-paying stocks.
  • Multi-asset funds.
  • Pick a portfolio of shares.
  • Invest with a tax-efficient account.
  • Investment tracker.
  • The risks of investing a £100 monthly amount.
Dec 5, 2023

How much will I have if I invest $100 a month for 10 years? ›

But by depositing an additional $100 each month into your savings account, you'd end up with $29,648 after 10 years, when compounded daily.


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