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Got $50? $500? $1000? Here’s How to Start Investing on Any Budget

Here are the best small investment opportunities to start growing your money. If you have only $50, $500, or $1,000 to invest you can make great returns.

Want to Earn Some Extra Money?

  • SurveyJunkie: Earn up to $50 per survey with one of the highest-paying survey sites on the web. Join SurveyJunkie Now
  • Mistplay: Earning money by playing games on your phone sounds like a dream. But this app really pays you for playing new games with cash rewards. Download Mistplay for Free (Android only).
  • Robinhood: This investing app lets you trade stocks and do everything for free and takes no fees — ever. Better yet, if you join through this link you can get a free stock like Apple, Ford, or Sprint when you join (must complete signup).

What are the best small investment opportunities to invest $50, $500, $1000, or any other small amount of money?

You may have less than $1000 to invest, but experts will tell you to work with what you have.

One of the biggest hurdles for many is simply making the first step.

Just remember, you are investing in yourself and this does not require hundreds of thousands of dollars in the bank. You can actually invest even if you aren’t rich yet.

Want free money?

  • Aspiration: Want to get spotted a $100 for free? Simply sign up for Aspiration, and the free banking app will give you cash for free, you just relax while it gives you $100 just for opening a new debit card. There’s no catch, just use your card to make at least $1,000 in cumulative transactions within 60 days of opening an account. This bank account is legit and only takes two minutes to sign up for an account.

BoostCredit101 has a few small investment opportunities and ideas on how you can invest anywhere from $100 to $1000 and start building wealth slowly but steadily.

how to invest 100k

Investing Small for Big Rewards

Here are the best small investment opportunities to start growing your money. If you have only $500 or $1000 you can grow it with these small investment ideas.

1. Invest in Real Estate with Only $500

Fundrise is a real, much better and desirable alternative to stock market investment. With Fundrise, you deal in the private real estate market that allows you to invest just like the super successful institutions.

You don’t have to be a millionaire to invest in these types of properties. You can now invest in large-scale real estate for as little as $500 with Fundrise.

Through their real estate investment products, investors earned an average of 8 – 11 percent on their money last year, and all without painting a wall or dealing with unruly tenants.

There is a reason why they currently have over 200,000+ users, this is a great way to invest that really pays you even if you have modest funds.

If you’re interested, I recommend you sign up for more information from Fundrise by clicking here.

fundriseFundrise Ratings

Get Started in Real Estate With Just $500

GET STARTED

2. Open a Savings Account

A savings account gives you the opportunity to earn a certain amount of interest every month. Moreover, you do not risk losing your money at all.

The best savings accounts are those which grow your money, give you the freedom to do with it as you like and don’t cost a lot to maintain. Consider opening a new high yield savings account today and start maximizing your interest.

Here are the top savings accounts:


Games that pay you to play. Yes, we're serious.

These 3 apps will pay you to play games on your mobile device:

  1. Mistplay (Android) - If you have an android device, you can download this app and start getting cash rewards for playing new games.
  2. Solitaire Cube (iOS) - Earning money by playing games on your phone sounds like a dream. But this app really pays you for playing solitaire with cash rewards.
  3. Lucktastic (Android) - This free app offers the same daily scratch-off cards that you find at your local convenience store — but here you can play for free and win real money.

BANKDETAILSMIN. BALANCE FOR APY APY
axos savings accountbest savings accounts
  • No monthly maintenance fees
  • No minimum balance requirements
  • Interest compounded daily
  • 24/7 online access with Online and Mobile Banking
  • FDIC Insured

$0

Member, FDIC

0.61%

Sign up
cit bank logobest savings accounts
  • Higher rates than traditional banks
  • 24/7 Account Access
  • Secure banking features
  • FDIC Insured

$25,000

Member, FDIC

.55%

Sign up
credit karma savings account
  • Earn a high-yield savings rate that’s optimized across a network of 800+ banks
  • Open an account in just a few easy steps and manage it right in the Credit Karma app
  • Your account is 100% free, no matter your balance
  • There's no minimum to open

$0

Member, FDIC

0.40%
Sign up

sofi logobest savings account
  • Get $75 when you make two direct deposits of at least $500 each
  • Hybrid Checking and Savings Account
  • Pay no account fees or ATM fees worldwide
  • Open an account in minutes - all free

$0

Member, FDIC

0.20%
Sign up

3. Invest Your Spare Change

Acorns automatically invests your spare change and lets you invest as little as $5 any time or on a recurring basis into a portfolio of ETFs.

CNBC calls it “the new millennial investing strategy.”

Once you connect the app to a debit or credit card, it rounds up your purchases to the nearest dollar and funnels your digital change into an investment account. Once you get the process automated, Acorns investments make your digital change work for you. Remember, you’ll get a $5 bonus when you sign up and make your first investment!

The sooner you start investing, the sooner your money can start to grow toward your goals.

This is one of the best ways to start investing with little money. Sign up to try it risk-free with a $5 sign up bonus.

4. Consider Robo Advisors

Robo advisors are online investing platforms that can help you build your investment portfolio at a small fee. You are provided with an online questionnaire to fill out to determine your risk tolerance.

There are no minimum deposit requirements. Once you make a commitment to fund your account with a certain amount of money every month, you are all set to go. The platform charges a small annual management fee for maintaining your account. This fee reduces as your account grows.

5. Dividend Stocks

There are companies whose performance on the stock market is consistently good. These companies offer dividends to their shareholders.

You can start small by buying the best long term dividend stocks and reinvesting the dividend you earn to buy more.

This is a brilliant way to build your investment portfolio without crippling your bank account.

6. Peer to Peer Lending

Companies such as Prosper and Lending Club offer automated programs where you can invest as little as $25.

You can lend to a number of people and earn a higher rate of returns from the interest. In addition, your risk is spread out.

7. Invest in ETFs

These trade on the stock exchange and compromise of more than one stock.

They also comprise of foreign assets, futures, and bonds. With ETFs, you can trade an entire market with just one fund.

ETFs are better than Mutual Funds for small investors because they do not require a large amount of money.

8. Invest for Free

It’s difficult to argue against the benefits of long-term investing.

Historically, most people who have taken a long-term view of investing have ended up making money.

The most important thing is to make sure that you are armed with the right information and the best possible investment options before making any decisions.

We all heard the old saying “Make your money work for you” right? Investing can sound tough if you don’t have a lot of money lying around. But investing can be for everyone — even if you only have $100.

Are you interested in learning about a new, free way to invest?

Then you’ll love this new investing app that allows you to start investing with only $100. Combining the best of both worlds – traditional investment brokerage accounts with Robo-advisors, M1 Finance is one of the best investment platforms we’ve reviewed.

M1 Finance enables investors to create diversified portfolios, access a variety of financial tools and offered completely free to individual investors. If you are interested in investing for free with only $100 you can sign up for more information from M1 Finance by clicking here.

9. Start a Business

There are many small businesses you can start with as little as $50.

From online stores to working with animals, you can start earning money without any elaborate preparations.

Some businesses that you can begin immediately include:

  •    Pet sitting
  •    Cleaning Services
  •    Arts
  •    Setting up Blogs
  •    Virtual Assistant

10. Sponsored Retirement Plan (401k)

This one is easy because it involves setting aside an amount of money from your paycheck that goes to your retirement plan.

It works best if you are employed and can, therefore, make this arrangement with your employer.

Your employer plan may dictate the terms to be applied but you can decide to add a small amount to your account with every paycheck.

11. Buying Low, Selling High

Another small investment opportunity can be buying low and selling high; this is also known as flipping.

You can get into real estate investing by flipping houses or flipping phones which is less risky.

You can invest your small capital in those products then sell them for a profit.

12. Treasury Securities

With treasury securities, your principal is protected from market upheavals.

You can make your short-term or long-term but beware that long-term ones involve a risk of principal should you sell before maturity.

13. Dividend Reinvestment

Also known as DRIPS, these plans make it possible for investors to invest small amounts of money into stocks that will pay dividends.

You are not required to pay any kind of investment fees. If you like certain companies, you can invest in their stocks directly.

When you earn your dividends, your money is reinvested right back into the company. You can build a large amount of money with time.

14. Buy Books

This is not an attempt to deal in stationary and bookstores.

There are many self-help books that can arm your skills to improve yourself and by extension, your financial state.

The best personal finance books that can help change your mindset for the better include:

15. Online Brokerage Firms

A brokerage firm provides you with a variety of investment choices that are also available through direct investments.

Online Brokerage firms are great because they offer much-needed support and are also available around the clock.

Here are the best online brokerages for stock trading:

BrokerageFeesGo
best brokerages$0$0.00

VISIT TDAMERITRADE

best brokerages$500$0.00

VISIT TRADESTATION

best brokerages$0$0.00

VISIT FIDELITY

charles schwab$0$0.00

VISIT CHARLES SCHWAB

best brokerages$0$0.00

VISIT IB

16. Invest in Your Own Business

While it is great to invest in large conglomerates that can earn you dividends, nothing beats investing in your own ventures.

You can invest in your business by adding inventory or purchasing a much-needed item.

Moreover, you can invest that money into a website for your business and learn to sell your products or services online.

17. Invest in an Individual Retirement Account

You may not have an employer-sponsored plan because you run your own business or your employer does not offer one.

Additionally, you may want an additional plan to ensure that your retirement years are well are taken care of adequately with an Individual Retirement Account (IRA).

IRAs refers to an investment opportunity that allows a taxpayer to allocate a portion of their income up to $5,500 to $6,500 a year.

The amount of contribution depends on the taxpayer’s tax-filing status, income, and other factors. All contributions realize returns, which are tax-deferred (delayed tax payment), until retirement.

Learn more about IRAs at oxfordgoldgroup.com/gold-silver-ira/.

18. Go For Gold and Silver

As contrary to popular belief, gold and silver investments are not just for the wealthy. Even average income earners can invest in gold and silver. But how? You can collect gold and silver jewelry and keep them in a highly secure area, like a home safe. The value of precious metals increases in value in time, which has been proven in the past decades.

Also, you can invest in gold and silver stocks or mining companies with proven high revenues. You’ll reap the benefits by monitoring stocks and buying and selling at the best time. For further assistance on how to go about this investment, you can talk to a stock investment professional.

19. Buy and Sell

If you have a knack for buying and selling stuff, there are thousands of items to choose from. Whatever budget you have, you can buy and sell gadgets, motorcycles, cars, and even houses or properties. Start small and go big once you’ve learned the ins and outs of a buy-and-sell business.

Selling apps and online marketplaces, like eBay and Amazon, provide free seller tutorials to help kickstart your online business. To avoid getting complaints, make sure to create a detailed listing of the used item or like-new item you’re selling. You can do this by posting high-quality photos and images of all sides or angles of the item for sale.

Take Advantage of These Small Investment Opportunities

These investing tips can help you invest small amounts of money that will grow into substantial amounts with time.

I hope you take these small investment opportunities and make some solid investments.

The most important thing is to take the first step and invest that little cash into something then be patient as you watch it grow.

It’s easy to find the world of stocks, bonds and mutual funds intimidating, but the sooner you start investing, the greater your ultimate benefit. See how you can start investing for beginners in our recent and easy to read article.

The Best Investment Apps For Everyday Investors

App Rating CommissionsLearn More
robinhood logo

5.0/5 

Free$0

OPEN ACCOUNT
On Robinhood's website

M1 finance

5.0/5

Free$100

OPEN ACCOUNT
On M1 Finance's website

fundrise

5.0/5

0.15%$500

OPEN ACCOUNT
On Fundrise's website

public

5.0/5

Free$0

OPEN ACCOUNT
On Public's website

webull logo

4.9/5

Free$0

OPEN ACCOUNT
On Webull's website

Want free money?

  • Robinhood is a free investing app for your phone. I really mean free all around – free to join and they don’t charge any fees to buy or sell the stock. You can get a share of stock like Apple, Ford, or Sprint for free when you join through this link. The value of the free share may be anywhere between $2.50 and $200 and fluctuates based on market movements. You’ve got nothing to lose.
Brian Meiggs
Brian Meiggs
Brian is the founder of My Millennial Guide and is an entrepreneur who has spent the last few years creating websites and building brands. He has been quoted in several online publications, including Yahoo! Finance, NASDAQ, MSN Money, AOL, Discover Bank, GOBankingRates, Student Loan Hero, Fit Small Business, Cheapism, SmartAsset, Bankrate, RISE Credit, AllBusiness, Cheddar, Commonbond, Niche, Rewire, Credit Donkey, Debt.com, and more. He believes that the true path towards financial independence is through increasing your earning potential (even if you have a 9-5 job).

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