How to Start Investing with Just $100
🧠 Yes, You Can Start Investing with $100 Today
Most people think investing is only for the rich. That’s false. You can start investing with $100 — and in this post, I’ll show you exactly how. If you’re starting small, don’t worry. Small money + time = big wealth.
🏦 Step 1: Choose the Right Platform
To start investing with $100, you need an app or brokerage that allows fractional shares and no commissions.
Top picks:
- 🟢 Robinhood – Perfect for beginners, zero commissions
- 🟣 Fidelity – Trusted, and you can invest in ETFs, mutual funds, or a Roth IRA
- 🔵 Public – Built for beginners with social investing features
Make sure your account is a tax-advantaged account like a Roth IRA if you’re in the U.S.
📈 Step 2: What to Invest In
With $100, your best bet is a broad, diversified ETF. It gives you access to hundreds of companies in one purchase.
Top options:
- VOO (S&P 500)
- VTI (Total Stock Market)
- SCHD (Dividend-focused)
- QQQ (Tech growth)
These funds have historically returned 7–10% annually — far more than any savings account.
💹 Step 3: Automate & Grow
Don’t just invest once. Build a habit.
Start with $100, then automate $10–$25 weekly or monthly. Over time, this becomes powerful.
| Month | Amount Invested | Growth (7%) |
|---|---|---|
| Month 1 | $100 | $107 |
| Month 12 | $400 | ~$428 |
| Year 5 | $1,600 | ~$2,000+ |
🛠 Tools That Help
Tools I use and recommend:
- ✅ Robinhood (Easy ETF investing)
- ✅ Notion/Excel (Track progress)
- ✅ The Rich Guy Math Newsletter (Stay motivated & learn)
🔑 Final Thoughts
You can absolutely start investing with $100. It’s not about the amount — it’s about the habit. The earlier you start, the faster compounding kicks in. You don’t need to be rich to build wealth. You just need to start.
✅ Action Plan
- Choose your platform
- Buy your first ETF
- Automate your next deposit
- Reinvest your dividends
- Track your progress monthly
Ready to grow your money with simple math?
📬 [Join The Rich Guy Math Newsletter]
