How to Start Investing with Just $100 in 2025

How to Start Investing with Just $100 in 2025 Think you need thousands to invest? Learn how to start investing with just $100 in 2025 — even if you’re a complete beginner.

Getting started with investing can feel intimidating, especially if you don’t have a lot of money. But the truth is: you can start investing in 2025 with as little as $100. Thanks to user-friendly apps, fractional shares, and commission-free platforms, the barrier to entry has never been lower.

Here’s how to get started today.

How to Start Investing with Just $100 in 2025

Step 1: Set Your Financial Goals

Before you invest a single dollar, ask:

• What am I investing for? (retirement, wealth growth, passive income)

• When will I need the money?

• Can I afford to take risks?

Your answers shape your investment strategy.

Step 2: Choose the Right Platform

There are several beginner-friendly investment apps where you can start with $100 or less:

🟢 US Options:

• Robinhood (stocks, ETFs, crypto)

• Fidelity (fractional shares, retirement accounts)

• Acorns (auto-investing spare change)

  
  

🔵 UK Options:

• Trading 212 (fractional investing, no fees)

• Freetrade (UK shares & ETFs)

• Moneybox (automated savings & investing)

  
  

Step 3: Invest in Fractional Shares or ETFs

With fractional shares, you don’t need to buy a full share of a $3,000 stock. You can invest $5, $20, or any amount.

ETFs (Exchange-Traded Funds) are a great option for beginners. They spread your investment across many companies — lowering your risk.

Example ETFs to Consider:

• Vanguard S&P 500 ETF (VOO / VUSA)

• iShares Core MSCI World ETF

• SPDR Portfolio Total Stock Market ETF

  
  

Step 4: Focus on Long-Term Growth

You won’t double your money overnight. But starting early lets you benefit from compound growth.

• Don’t try to time the market

• Stay consistent with small, regular investments

• Reinvest your dividends

  
  

Step 5: Watch Fees & Risk

Avoid platforms or funds with high fees. A 1% annual fee may not sound like much, but over decades, it adds up. Also, understand your risk tolerance:

• Younger = more growth-focused

• Older = more stable, income-focused investments

  
  

Optional: Try Robo-Advisors

If you want investing done for you, try:

• Wealthfront or Betterment (US)

• Nutmeg or Moneyfarm (UK)

They build and manage a portfolio for you — based on your goals and risk tolerance.

Final Thoughts | How to Start Investing with Just $100 in 2025

You don’t need a finance degree or a huge paycheck to invest. With just $100, you can take the first step toward building wealth in 2025.

Start small, stay consistent, and let your money grow.

Need help picking your first investment app? Visit Where To Spot for a free comparison guide.

Author: Where To Spot Editorial TeamCategory: Investing & WealthTags: investing with $100, beginner investing 2025, fractional shares, ETFs