Want to know how to invest with 100 or less? Learn with tips

Understand how to invest with 100 reais or less

Investing can seem complicated or accessible only to those who have a lot of money saved up, right? Wrong! If you have $100 (or even less), you can already take your first steps into the world of investing.

And no, we’re not talking about magic or fancy tricks, investing is simpler than it looks, especially with the tools and apps we have today.

Let’s explore how to turn that small amount into something bigger with some easy and accessible strategies.

Why is starting small a great idea?

If you’re just starting out, starting small is smart. You can make mistakes without major financial consequences, gain experience and develop the habit of investing.

What’s more, small amounts invested consistently can grow significantly over time, this is called compound interest, and it’s the secret to building long-term wealth.

1. Take advantage of investment apps and platforms

Nowadays, there are many apps that allow you to start investing with small amounts.

Some, like Robinhood and Acorns, allow you to invest without having to pay exorbitant fees. For example:

• Robinhood: you can buy fractions of shares, which means you don’t need to have hundreds of dollars to invest in big companies like Amazon or Tesla.
• Acorns: this is perfect for those who want to invest without realizing it. It rounds up your daily purchases to the nearest dollar and invests the difference automatically.
• Finally, these platforms make investing accessible and easy for beginners. So make sure you choose the right one.

2. Invest in ETFs

ETFs (exchange-traded index funds) are a great option for beginners. They are like a basket of shares that you can buy all at once.

This reduces risk because your money isn’t tied to a single company. With $100, you can buy fractions of popular ETFs like the SPDR S&P 500 ETF Trust (SPY), which tracks the performance of the 500 largest US companies.

3. Try automatic investing

If you don’t want to spend time choosing where to invest, use the automatic investment option. Some platforms create customized portfolios for you, based on your financial goals and risk appetite.

For example, Betterment is a platform that does all the hard work for you, allowing you to start with small amounts and grow over time.

4. Consider high-return savings accounts

If you’re not yet ready to invest in stocks or ETFs, a high-yield savings account is an excellent alternative.

These accounts offer higher interest rates than traditional banks and help your money grow while you plan your next financial steps. Online banks such as Ally Bank and Marcus by Goldman Sachs have good options for this.

5. Invest in yourself

Investing isn’t just about putting money into stocks or funds. Use part of your $100 to learn something new.

Online courses, such as those offered by platforms like Coursera or Udemy, can help you develop skills that increase your future income potential. Think of it as an investment in your personal and professional growth.

6. Start an emergency fund

Before investing in riskier assets, it’s important to have an emergency reserve. If you don’t already have one, use that $100 to start a fund.

A good rule of thumb is to have at least three to six months’ worth of essential expenses put away. Even if you start small, the important thing is to make a habit of saving regularly.

Conclusion

Investing with $100 or less is possible, affordable and can be the start of something big. With so many tools and resources available today, such as Robinhood, Acorns or Betterment, there’s no excuse not to start.

The most important thing is to take the first step and keep building healthy financial habits. So what are you waiting for? Grab that $100 and start investing in your future today!

Written by

Juliana Raquel