How to start investing with just $100

You don’t need thousands of dollars to begin investing. In fact, starting with just $100 is possible—and a smart way to build good financial habits early. Here’s how you can get started on your investment journey without breaking the bank.

1. Choose the Right Platform

Many online brokerages and investment apps allow you to open accounts with low or no minimum deposits. Apps like Robinhood, Webull, Acorns, or Stash are beginner-friendly and let you invest fractional shares—meaning you can buy a portion of expensive stocks or ETFs with less than a full share.

2. Focus on Low-Cost, Diversified Funds

With $100, it’s best to avoid buying individual stocks due to limited diversification. Instead, consider:

Index funds or ETFs (Exchange-Traded Funds) that track the entire market or specific sectors.
These funds offer instant diversification and usually have low fees.

3. Use Dollar-Cost Averaging

Rather than investing the entire $100 at once, consider spreading your investment over a few months. This strategy, called dollar-cost averaging, reduces the impact of market volatility and lowers risk.

4. Avoid High Fees

High fees can eat into your small investment returns. Look for platforms with zero commissions and funds with low expense ratios to maximize growth.

5. Set Clear Goals and Be Patient

Define why you’re investing—whether it’s for retirement, buying a home, or financial independence. Remember, investing is a long-term game. Stay consistent and avoid reacting to daily market swings.

6. Keep Learning and Adding to Your Investment

As you grow more comfortable, continue to add to your investment. Even small, regular contributions build wealth over time. Also, educate yourself on basic investing principles to make better decisions.

Conclusion:
Starting with just $100 is enough to begin building your investment portfolio. With the right tools, smart choices, and patience, you can grow your money steadily—even with a modest start.

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