Want to know how to start investing with $100 in 2025? You’re in the right place.
You don’t need a fortune to begin building wealth. Thanks to beginner-friendly apps and fractional investing, you can start investing with just $100 — even as a complete newbie.
In this guide, you’ll learn how to start investing with $100, where to put your money, and how to grow it over time using simple strategies.
💡 How to Start Investing With $100: Best Places to Begin
Yes, $100 is enough to start investing. It’s not about how much you have — it’s about getting started and staying consistent.
Here’s where you can begin with just $100.
1. 🧩 Fractional Shares of Stocks or ETFs
Platforms like Fidelity, Public, and Robinhood allow you to buy fractional shares of top stocks and ETFs. That means even if Amazon or Apple is trading at $300+, you can still invest $10 or $50 into them.
✅ Beginner-Friendly ETFs:
- VTI – Total US Market
- VOO – S&P 500
- QQQ – Nasdaq 100
Want to understand the differences? Read: ETFs vs Mutual Funds for Beginners
2. 🤖 Use Robo-Advisors (Set It & Forget It)
If you’re wondering how to start investing with $100 without knowing where to put your money, try a robo-advisor.
Top picks:
- Acorns – Invests your spare change automatically
- Betterment – Customized portfolios based on your goals
These apps manage your investments for you.
3. 💰 High-Yield Savings or Short-Term CDs
If you’re super cautious, park your money in a high-yield savings account or Certificate of Deposit (CD).
While the returns are lower than stocks, they’re safe, secure, and better than letting money sit idle in a 0% savings account.
4. ⚠️ Optional: Try Crypto Cautiously
Want high risk, high reward? Try investing a small portion of your $100 in crypto.
Use trusted platforms like Coinbase or Robinhood to buy coins like Bitcoin or Ethereum — but only if you’re prepared for volatility.
📱 Best Apps to Start Investing With $100
| App | Minimum | Ideal For |
|---|---|---|
| Fidelity | $0 | Stocks, ETFs, retirement |
| Acorns | $5 | Round-up savings, auto-investing |
| Public | $0 | Fractional shares, social feed |
| Robinhood | $1 | Stocks & crypto trading |
Want a deeper comparison? Visit: Best Investment Apps for Beginners
📈 Grow Your First $100 Investment into $10,000+
If you invest $100/month at an average annual return of 8%:
- After 5 years: ~$7,300
- After 10 years: ~$17,400
- After 20 years: ~$55,000+
That’s the power of compound interest — your money grows over time, especially when you reinvest the returns.
🚫 What NOT to Do When Starting to Invest With $100
When figuring out how to start investing with $100, avoid these rookie mistakes:
- ❌ Don’t chase meme stocks or TikTok hype
- ❌ Don’t wait for “more money” to start
- ❌ Don’t invest without a plan or goal
Start small, stay consistent, and keep learning.
📌 Final Tips: Make the Most of Your First $100
- ✅ Choose a trusted platform or app
- ✅ Start with ETFs or robo-advisors
- ✅ Automate contributions if possible
- ✅ Reinvest gains to benefit from compounding
- ✅ Avoid emotional investing
✅ Conclusion: Start Today, Grow Tomorrow
Now you know exactly how to start investing with $100 in 2025.
It may seem small, but it’s your first step toward financial independence. Every big journey begins with a small, smart move — and this is yours.
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