If you think investing is only for people with thousands of dollars in the bank, think again. Thanks to today’s digital tools and financial innovations, it’s absolutely possible to start investing with as little as $100—and yes, you can still make money.
Whether you’re a beginner or simply cautious about where you put your money, starting small can still lead to big financial growth over time. Here’s how you can put that $100 to work.
1. Invest in Fractional Shares of Stock
You don’t need to buy a whole share of a company like Apple or Amazon anymore. Many platforms like Robinhood, Fidelity, or Charles Schwab allow you to buy fractional shares—small portions of a stock. That means your $100 can be split between several companies, helping you build a diversified portfolio from the start.
Potential: Medium to High (depending on stock performance)
2. Use Micro-Investing Apps
Apps like Acorns, Stash, and Public are designed for beginner investors. With as little as $5, you can start investing in ETFs (exchange-traded funds) or individual stocks. These platforms often include automated features, educational content, and roundup tools to invest your spare change, helping you grow your investments without thinking about it.
Potential: Low to Medium (great for long-term passive investing)
3. Buy and Sell Items for Profit
Turn $100 into a mini side hustle by flipping items. Buy discounted or clearance items locally or online (think thrift stores, Facebook Marketplace, garage sales) and resell them on eBay, Mercari, or Poshmark. Many people turn small investments into thousands with consistency and a good eye.
Potential: High (with the right items and effort)
4. Invest in an Online Course or Skill
One of the smartest ways to invest $100 is in yourself. Take a course that teaches you a profitable skill—like graphic design, coding, digital marketing, or copywriting. Platforms like Udemy or Skillshare offer high-value courses under $100. This kind of investment pays off as you turn skills into freelance work or your own business.
Potential: Very High (long-term ROI can be massive)
5. Start a Blog, YouTube Channel, or Online Brand
Use your $100 to buy a domain name, web hosting, or simple tools to start creating content. Whether you’re blogging about parenting, finances, or fashion—or starting a YouTube channel—content creation can become a source of passive income through ads, affiliate marketing, and sponsorships. It takes time, but the earning potential is huge.
Potential: High (with consistency and a niche audience)
6. Peer-to-Peer Lending
Websites like LendingClub or Prosper allow you to lend your $100 to individuals or small businesses in exchange for interest payments. This does carry some risk, but with careful research, it can be a way to earn higher returns than traditional savings accounts.
Potential: Medium (depends on borrower repayment and risk)
7. High-Yield Savings or CDs
If you’re more risk-averse but still want your money to grow, consider putting your $100 into a high-yield savings account or a certificate of deposit (CD). You won’t get rich, but your money will earn more interest than it would sitting in a regular checking account.
Potential: Low (but extremely safe)
Final Thoughts
Yes, you can absolutely invest $100 and make money—but the key is starting. Whether you choose the stock market, personal growth, or a small business hustle, your $100 can plant a seed for future wealth. And once you see the power of small, consistent investments, you’ll feel more confident growing your financial journey.
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