Think you need thousands to begin investing? Think again. In 2025, starting with just $100 is not only possible—it’s smart. Thanks to digital platforms, fractional shares, and low-cost ETFs, nearly anyone can enter the market and begin building wealth.

Step 1: Choose the Right Platform
Select a brokerage that allows zero commission trades, no account minimums, and fractional investing. Popular options include Wealthsimple (Canada), Robinhood, Public, and Fidelity. Most of them also offer intuitive apps and educational tools.

Step 2: Set Clear Goals
Even a small amount should be invested with purpose. Are you saving for the long term (retirement)? A short-term goal (a trip)? This affects your asset choices.

Step 3: Consider ETFs or Fractional Shares
Exchange-Traded Funds (ETFs) offer instant diversification and are ideal for small budgets. With fractional shares, you can own a piece of Amazon, Apple, or Tesla for just a few dollars.

Step 4: Use Dollar-Cost Averaging
Invest small amounts regularly—say, $25 every two weeks. This reduces the impact of market volatility and builds consistency.

Step 5: Reinvest Earnings
Many platforms offer DRIPs (Dividend Reinvestment Plans) that automatically reinvest dividends into more shares—compounding your growth.

Starting small teaches discipline and builds momentum. With compounding returns, that initial $100 could become thousands over time. The key? Start now, stay consistent, and think long-term. Investing isn’t about how much you begin with—it’s about getting started and never stopping.