Beginner’s Guide to Investing: How to Start With $100

If you’ve been waiting to get started with investing but think you need thousands of dollars to begin, think again. With just $100, roughly the cost of a concert ticket, you can open a brokerage account, buy your first shares or ETFs, and start building long-term wealth. In this guide, you’ll learn exactly where to invest that $100, how to automate your contributions, and which platforms make it easiest for beginners to succeed.

Choose an Online Brokerage with No Minimum Deposit

When you’re on a tight budget, the first step is picking a broker that lets you open an account with no minimum and zero commission trades. Two top picks for 2025:

  • Charles Schwab — No account minimum, $0 commissions on stocks and ETFs, and robust research tools make Schwab ideal for new investors. Their mobile and web platforms are intuitive, and you can trade fractional shares down to a single dollar.
  • Fidelity Investments — Also requires no minimum deposit and offers $0 stock/ETF trades. Fidelity shines with its extensive lineup of low-cost index funds, fractional shares, and educational resources for beginners.

How to get started:

  1. Sign up for an account (it takes 5 minutes).
  2. Verify your identity with a photo ID.
  3. Link your bank and deposit your first $100.
  4. Explore the platform’s “Fractional Shares” or “Partial Shares” feature to invest even small amounts.

Use a Robo-Advisor for Hands-Off Investing

If you’d rather set it and forget it, robo-advisors automate a diversified portfolio for you. Perfect when you have just $100 to start:

  • Betterment — No minimum balance, automated ETF portfolios, and goal-based investing. You pay a 0.25% annual fee on your assets but gain access to tax-efficient strategies and automatic rebalancing.
  • Wealthfront — Requires a $500 minimum, but you can start with $100 by linking your bank to recurring deposits. Wealthfront also charges 0.25% and offers Smart Beta and Tax-Loss Harvesting once you hit higher balances.

How to get started:

  1. Go to Betterment.com or Wealthfront.com.
  2. Answer a short questionnaire about your goals and risk tolerance.
  3. Deposit $100 (or start recurring $25/month for Wealthfront).
  4. Your robo-advisor builds and manages your portfolio automatically.

Micro-Investing: Turn Spare Change into Big Gains

Micro-investing apps let you round up everyday purchases and invest the spare cents with no extra effort required:

  • Acorns — Automatically rounds up your transactions to the nearest dollar and invests the difference in a diversified ETF portfolio. Acorns now manages over $6.2 billion for 8.2 million users, with plans to expand portfolio options. Accounts start at just $1.
  • Stash — Lets you buy fractional shares of stocks and ETFs for as little as $5. You can choose themed “Stock-Back” cards that invest in brands you shop with, and upgrade to Stash+ for more educational content.

How to get started:

  1. Download the app (iOS or Android) and create an account.
  2. Link your bank or card for round-ups (Acorns) or make a one-time $5 deposit (Stash).
  3. Watch your spare change and small deposits grow over time.

Invest in Low-Cost ETFs & Index Funds

With $100, your best bet is broad exchange-traded funds (ETFs) that track major indexes:

  • Vanguard S&P 500 ETF (VOO) – Expense ratio 0.03%, tracks the S&P 500.
  • Schwab U.S. Broad Market ETF (SCHB) – Expense ratio 0.03%, covers the entire U.S. stock market.
  • iShares Core U.S. Aggregate Bond ETF (AGG) – Expense ratio 0.04%, adds bond diversification.

Why ETFs?

  • Low fees → more of your money stays invested
  • Instant diversification → you own hundreds of stocks in one trade
  • Fractional shares → you can buy $100 worth even if one share costs $300+

Automate Contributions & Reinvest Dividends

The easiest way to turn $100 into a habit is automation:

  1. Set a recurring deposit of $25–$50/month in your brokerage or robo-advisor.
  2. Enable dividend reinvestment (DRIP) so any dividends automatically buy more shares.
  3. Review quarterly to adjust contributions as your income grows.

This “dollar-cost averaging” approach smooths out market dips, making your $100 investment a springboard to consistent, long-term wealth building.

Ready to turn your first $100 into a longer-term investment plan? Choose one of these platforms, make your initial deposit, and let compounding do the heavy lifting. For more in-depth guides and your FREE Investing Starter Checklist, subscribe to the Money Pinnacle newsletter today!

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