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6 Easy Ways To Start Investing With Little Money

Modified date: April 6, 2020

I’m here to tell you: You don’t need to be the Wolf of Wall Street to start investing. It’s okay if you’re more of a mouse of Main Street. Even if you only have a few dollars to spare, your money will grow with compound interest.

The key to building wealth is developing good habits—like regularly putting money away every month. Swap out the barista-made cappuccinos for coffee at home and you could already be saving more than $50 a month.

Once you have a little money to play with, you can start to invest.

In 2020, you can get a date, a ride or a pizza with the swipe of a smartphone screen. Investing is no different. If you can automate your bills, why not your investments? It’s just as easy.

With a robo-advisor, you can make your money work while you play. And just like Halloween costumes, investing comes in many different forms. It shouldn’t be a scary word.

Whether it’s opening a savings account, investing in your retirement or the real estate market, investing for beginners is simpler and more straightforward than ever before.

Soon you’ll see how addictive growing your money can be.

Here are six simple ways to get there:

Saving money and investing it are closely connected. In order to invest money, you first have to save some up. That will take a lot less time than you think, and you can do it in very small steps.

If you’ve never been a saver, you can start by putting away just $10 per week. That may not seem like a lot, but over the course of a year, it comes to over $500.

Try putting $10 into an envelope, shoebox, a small safe, or even that legendary bank of first resort, the cookie jar. Though this may sound silly, it’s often a necessary first step. Get yourself into the habit of living on a little bit less than you earn, and stash the savings away in a safe place.

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Discover Bank currently offers a strong 1.50% APY on their online savings account. There is no minimum deposit required and no monthly maintenance fees (or other fees) associated with a Discover Bank online savings account so the yield is earned on all balances.

The brand also offers high-yield CD’s, checking and money market accounts so if you want to diversify your deposits portfolio a little bit, Discover Bank has a lot of what you need.

The electronic equivalent of the cookie jar is the online savings account; it’s separate from your checking account. The money can be withdrawn in two business days if you need it, but it’s not linked to your debit card. Then when the stash is large enough, you can take it out and move it into some actual investment vehicles.

Start with small amounts of money, and then increase as you get more comfortable with the process. It may be a matter of deciding not to go to McDonald’s or passing on the movies, and putting that money into the cookie jar instead.

Prefer that money to be invested right away? Consider an online discount broker like You Invest by J.P. Morgan. You Invest offers fee-free stock trades, fee-free options trades and fee-free ETF trades. Plus, they’re also offering up to a $625 cash bonus for new accounts.

You can link your Chase You Invest account to the variety of other Chase products (deposits, mortgages, credit cards etc.) so that all of your important financial accounts are in the same place.

2. Let a robo-advisor invest your money for you

Robo-advisors were created to make investing as simple and accessible as possible. No prior investment experience is required and set-up is easy. Let their automated intelligence track your investments in the background, and pay lower fees in the process.

Wealthfront

A robo-advisor that I highly recommend to first-time investors is Wealthfront. Their fees are reasonable at 0.25%, but the kicker is that you can get your first $5,000 managed free (specific to MU30 readers).

So if you’re looking to start investing with little money, Wealthfront could be the way to go. You will need $500 to get started though with Wealthfront so keep that in mind.

M1 Finance

If you don’t have that $500 starting balance, there are still great options for you in the Robo-advising space. M1 Finance charges no commissions or management fees, and their minimum starting balance is just $100.

You can choose from one of their pre-made diversified portfolios or customize your own by purchasing stocks and ETFs through their platform. The user interface is super easy to use.

Betterment

If you’re starting out with less than $100, you may want to consider Betterment, which has no minimum starting balance whatsoever. Like M1, it’s also great for beginners as it provides a super simple platform and a hassle-free approach to investing.

3. Make your first steps in real estate market

Real estate investing does not have to be for the very rich. There are many options for real estate crowdfunding and though this may seem like something you’d be nervous about looking into – it actually can be an intriguing investment.

With Fundrise’s really easy-to-use online platform, you simply need a starting minimum investment of $500. So if you’re an unaccredited investor, you can buy properties without paying those very large fees that end up being a deal-breaker if you want to start dabbling in real estate. By managing your own portfolio, the fees come to just 1% and Fundrise always offers a 90 days satisfaction guarantee.

4. Enroll in your employer’s retirement plan

If you’re on a tight budget, even the simple step of enrolling in your 401(k) or other employer retirement plan may seem beyond your reach. But there is a way that you can begin investing in an employer-sponsored retirement plan with amounts that are so small you won’t even notice them.

For example, plan to invest just 1 percent of your salary into the employer plan.

You probably won’t even miss a contribution that small, but what makes it even easier is that the tax deduction that you’ll get for doing so will make the contribution even smaller.

Once you commit to a 1 percent contribution, you can increase it gradually each year. For example, in year two, you can increase your contribution to 2 percent of your pay. In year three, you can increase your contribution to 3 percent of your pay, and so on.

If you time the increases with your annual pay raise, you’ll notice the increased contribution even less. So if you get a 2 percent increase in pay, it will effectively be splitting the increase between your retirement plan and your checking account. And if your employer provides a matching contribution, that will make the arrangement even better.

Blooom is a great tool for hands-off investment management of your 401(k). They’ll give you a free 401(k) analysis, telling you where and how they can optimize your investments. Check out our review of Blooom; if you decide to use their services, you’ll be charged a reasonable $10 per month.

And Blooom has got a special promotion right now: get $15 off your first year of Blooom with code BLMSMART

5. Put your money in low-initial-investment mutual funds

Mutual funds are investment securities that allow you to invest in a portfolio of stocks and bonds with a single transaction, making them perfect for new investors.

The trouble is many mutual fund companies require initial minimum investments of between $500 and $5,000. If you’re a first-time investor with little money to invest, those minimums can be out of reach. But some mutual fund companies will waive the account minimums if you agree to automatic monthly investments of between $50 and $100.

Automatic investing is a common feature with mutual fund and ETF IRA accounts. It’s less common with taxable accounts, though its always worth asking if it’s available. Mutual fund companies that have been known to do this include Dreyfus, Transamerica, and T. Rowe Price.

An automatic investing arrangement is particularly convenient if you can do it through payroll savings. You can typically set up an automatic deposit situation through your payroll, in much the same way that you do with an employer-sponsored retirement plan. Just ask your human resources department how to set it up.

6. Play it safe with Treasury securities

Not many small investors begin their investment journey with US Treasury securities, but you can. You’ll never get rich with these securities, but it is an excellent place to park your money—and earn some interest—until you are ready to go into higher risk/higher return investments.

Treasury securities, also known as savings bonds, are easy to buy through the US Treasury’s bond portal Treasury Direct. There you can buy fixed-income US government securities with maturities of anywhere from 30 days to 30 years in denominations as low as $100.

You can also use Treasury Direct to buy Treasury Inflation Protected Securities, or TIPS. These not only pay interest, but they also make periodic principal adjustments to account for inflation based on changes in the consumer price index.

And as is the case with mutual funds, you can also arrange to have your Treasury Direct account funded through payroll savings.

Bonus idea – Consider a 5% return with Worthy Bonds

For as little as $10, you can invest in Worthy Bonds. Worthy Bonds are fixed interest bonds that fund loans for creditworthy American businesses. The bonds have a term of 36-months, but interest is paid weekly and you can withdraw your money at ANY time, without penalty. Buy as many $10 bonds as you’d like.

The simple idea is that Worthy is going to take the money you use to buy bonds and invest it into companies with a greater return than 5%. They win, you win and it’s a fixed rate so you know the rate of return every day.

The platform is open to all U.S. investors and can be a great way to diversify your portfolio with a low-risk solution. Worthy only invests in fully secured loans (liquid assets having a value significantly greater than the loan amount), so the quality of loan and investment is always high caliber.

Summary

There are plenty of ways to start investing with little money, with many online and app-based platforms making it easier than ever. All you have to do is start somewhere. Once you do, it will get easier as time goes on, and your future self will love you for it.

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Start Investing with Little Money

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$100 Minimum M1 Finance gives you the benefits of a robo-advisor with the control of a traditional brokerage. M1 charges no commissions or management fees, and their minimum starting balance is just $100. Visit Site

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Article comments

We invite readers to respond with questions or comments. Comments may be held for moderation and will be published according to our comment policy. Comments are the opinions of their authors; they do not represent the views or opinions of Money Under 30. Comments have not been reviewed or approved by any advertiser, nor are they reviewed, approved, or endorsed by our partners. It is not our partner’s responsibility to ensure all posts or questions are answered.

Good tips, thanks

Investment is a good thing especially when you invest in the stock market and know the history and the performance of the company, its annual turnover.

Not going to McDonald’s… Exactly what I was talking about previously. No, you have good advises here, people in disadvantaged positions may not have choices other than the ones you describe above or may have to consider the choices you describe above but no one dreams about “not going to McDonald’s” or whatever other fast food joint (I’m kidding here) people prefer. I immensely enjoy all your and many other finance-related articles. I want to educate myself. I am dreaming about investing, and I have no background in it, so I want to read as much about finance-related topics as I can. I have basic knowledge of a lot of things but I’ve never done investing. I recently started reading stuff on investing. You no doubt have great articles, obviously, great language, great page design, FANTASTIC. You know what? These would be fantastic articles for classes in shelters where people, of course, are trying to get on their feet. Homeless shelters already have a lot of classes probably including financial ones, you have language and design here that is understandable by everyone, and you talk here, you know, about things that maybe relevant to people in homeless shelters. You don’t talk here about ways to buy mansions, do you, and a lot of inhabitants of homeless shelters work, you talk about things here many homeless can relate to-saving money, even investing. It looks like modern investing requires very little money, and no doubt, many homeless people may have a little bit of money, right? Many of them work. You have wonderful topics here for those institutions, absolutely. Add to such lectures a few Oreo cookies and/or candies, and you are all set, right? Hey, I am trying to be modest here, if that was me, I had permission and a lot of money, I would give homeless more than Oreo cookies but a lot of people do not think that way. All right, guys, thank you very much for your wonderful articles, how are you doing? I am doing all right, is everyone getting prepared for the holiday season? At first Columbus Day, then-Veteran’s Day, then-Thanksgiving, holidays are coming up! Thank you very much for your wonderful articles.

This is a really silly question but i honestly do not know the answer. If you invest in stocks or bonds and they go south can you end up losing more than your originL investment? Can you end up paying more?

Elle,
No with Common Stock and basic bonds you can never lose more than you invest. Most ways to lose more than you invest is to have controlling active ownership of companies or partnerships or invest in riskier things like options trading.

CBD Not Working for You? Here Are 5 Possible Reasons Why

I tried CBD, but it didn’t do anything for me.

Why isn’t CBD working for me?

Is all this CBD hype just a scam?

Sound familiar? If you’ve tried CBD products without any results, you’re not the only one — but that doesn’t mean the whole industry is a scam.

Cannabidiol, or CBD, is a nonpsychoactive component found in the Cannabis plant. It’s being researched for many possible medical benefits, and unlike tetrahydrocannabinol (THC), this active compound doesn’t get you “high.”

People are using it to help manage a number of ailments, including:

Before treating a medical condition, speak to your doctor to determine whether CBD is the right option for you, especially if you’re taking other medications. CBD may interact with many over-the-counter or prescription drugs and supplements.

You may have heard some folks with chronic conditions raving about good results — and that’s because for them, it’s one of the only few options that works.

That said, there are also some legitimate reasons why CBD might not be working for you.

So before you give up on it and tell your CBD-obsessed friends that they’re full of it, check to see if any of the following reasons apply to you.

Where did you buy your CBD oil?

As it grows in popularity, it seems like CBD is popping up everywhere — from online companies to over-the-counter shops. You might have even tried a free sample to see if it works without investing anything more than the cost of shipping.

Unfortunately, some of these products don’t have high-quality CBD. The Food and Drug Administration (FDA) hasn’t yet approved any non-prescription CBD products. Some scammers take full advantage of that fact by selling low-quality products that aren’t labeled accurately.

One group of researchers analyzed 84 CBD products and found that only 31 percent of them contained the amount of CBD that had been advertised.

So the next time you’re looking to invest in a new CBD product, use these three tips to make sure the product lives up to its promises:

  • Look for evidence of third-party lab tests. Lab testing can reveal exactly how much CBD is in the product, and the test results should be available for you to see for yourself.
  • Read consumer reviews. Websites like CannaInsider, Leafly, and CBD Oil Users provide reviews on brand effectiveness, delivery time, and customer service.
  • Pick from a list of well-established brands. Read enough lists of favorite CBD products and you’ll see some of the same companies pop up over and over again. Popular brands such as Charlotte’s Web, Lazarus Naturals, and CBDistillery have firmly established themselves as quality sources. You can also pick a brand from a list like this one and you won’t have to worry about the guesswork of figuring out if the brand you’re buying is trustworthy.

Many CBD users have reported trying several different brands before settling on one that works for them, so keep searching if your first try doesn’t produce the results you’re looking for.

Finding the right dosage of CBD can be a tricky endeavor. The appropriate amount varies for each individual, as every person has a unique biology that results in a different reaction.

So how do you figure out what’s right for you?

Start with a low dose and slowly increase it over time until you find your “sweet spot.”

Some folks find that taking a daily dose can help sustain a level of CBD in your body, which might stimulate your endocannabinoid system (more on what this is, below) to make it react more to cannabinoids like CBD.

And many people use a microdosing technique to find their personal dosage and adjust it as needed over time.

You may find it helpful to use a journal to log your results. Keep track of how much you’ve taken, how you feel before dosing and at several time intervals afterward, and any changes in symptoms that you notice.

Over time, this info can help paint a picture of how CBD affects you.

Building up a tolerance Keep in mind that it’s possible to build up a tolerance to CBD, like many other drugs and chemicals. So if you find that it’s not working as well after a while, try taking a few days’ break to reset your system before starting with a low dose again.

The first time I tried CBD, I wondered if I’d wasted my money on some overhyped trend. I put some drops of an oil tincture under my tongue, expected near-instant relief from my chronic pain, and got… nothing.

My experience isn’t at all unusual, because immediate results aren’t all that common.

In fact, many people take CBD for several weeks or even several months before they see a difference.

Exploring the effects of CBD isn’t as simple as taking a couple of Tylenol and calling it a day. It actually requires a certain level of commitment to put time and thought into your process of uncovering the long-term effects.

If you’re still not seeing results after a while (think a few months), then it may be time to move on and try a different brand. Your CBD journal can help you keep track of how long it’s been and whether or not you’ve experienced any changes.

Patience is key, and while it can be frustrating to keep trying with no results, you may end up feeling super grateful that you didn’t give up.

It seems like I’m hearing about a new CBD product just about every week. You can find everything from CBD coffee to bath salts and lube.

Common forms of CBD

  • tinctures
  • topical creams
  • vape oils
  • capsules or suppositories
  • edible treats like gummies and chocolate

So if you’ve been trying one delivery system with no luck, it’s possible that a different form would work better for you.

One factor to consider is bioavailability, which essentially refers to how much of the CBD actually gets into your bloodstream.

For example, if you eat CBD gummies, they have to go through your digestive tract before you can absorb them, and the amount that ends up in your system may be relatively low.

On the other hand, if you take a tincture sublingually — which means under the tongue — you’re absorbing it directly into your bloodstream. So you could get quicker, more noticeable results than you would from waiting for your digestive system to process it.

In addition, your most effective method may vary depending on what type of relief you’re looking for.

For example, a topical balm won’t help you with your panic attacks. But it can offer potential relief for, say, sore muscles, if you zero in on that particular area.

CBD may be popular, but that doesn’t mean it’s a miracle drug that will work for everyone. After all of your efforts, it’s possible that you’ll find that CBD simply doesn’t work for you.

Your level of absorption and reaction to CBD depends on a variety of factors including your:

Your endocannabinoid system is the system in your body that interacts with the active compounds in cannabis, and each person’s operates a little differently.

In fact, a professor of clinical psychiatry noted 20 percent of Americans may have a genetic mutation that makes them naturally produce more endocannabinoids — similar to cannabinoids but produced by your body.

If you have that mutation, you might be prone to lower levels of anxiety, but because you already have extra endocannabinoids you might not see much of a difference when you take CBD.

Check with your doctor about other options that may work for you.

And if you have persistent friends, don’t be afraid to tell them to stop bugging you about giving CBD a try. After all, there’s no such thing as a one-size-fits-all treatment!

CBD isn’t as well-researched or regulated as many other treatment options like prescription medications, and people within the industry are still trying to narrow down the best practices for taking it.

But one thing’s for sure: It’s not as simple as taking some standard dosage and seeing immediate results. It takes time, patience, and ongoing research to find the right brand, dosage, and delivery method for you.

Which means the process can also get pricey — as you might have to buy products from several different companies over the course of several months before you find what works.

Tip Before you go all-in on a full-sized product from a reputable company that may cost a lot of money but might not work for you, check to see if you can buy sample packs of the product.

So before you give up on CBD altogether, use the above reasons as a check list to figure out why CBD isn’t working for you.

Read more about the difference between CBD and THC here and here.

Is CBD Legal? Hemp-derived CBD products (with less than 0.3 percent THC) are legal on the federal level, but are still illegal under some state laws. Marijuana-derived CBD products are illegal on the federal level, but are legal under some state laws. Check your state’s laws and those of anywhere you travel. Keep in mind that nonprescription CBD products are not FDA-approved, and may be inaccurately labeled.

Maisha Z. Johnson is a writer and advocate for survivors of violence, people of color, and LGBTQ+ communities. She lives with chronic illness and believes in honoring each person’s unique path to healing. Find Maisha on her website, Facebook, and

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