💰How to invest $100

read time 2 minutes

Hi there,

Most people think investing is something you start once you have “real money.”

A few thousand dollars. Maybe $10,000 sitting in the bank.

But honestly, if I had to start over today, I’d start with just $100.

Actually, you can start with even less now. Most brokerages let you invest with as little as $5. And now that I have multiple millions invested, here’s exactly what I’d do differently if I were starting from scratch.

Step 1: Open a brokerage account

Keep it simple. I’d use something beginner-friendly like:

• Fidelity
• Vanguard
• Schwab
• Interactive Brokers

These platforms let you buy fractional shares, which means you can invest dollar amounts instead of needing enough money to buy full shares.

Step 2: Transfer your money

Connect your bank account and move your first $100 over.

That’s it. Nothing complicated.

Step 3: Buy simple index funds

This is where most people overthink things.

As a beginner, you do not need to pick individual stocks. I’d use a simple 3-fund setup:

• Around $33 into VOO or VTI → exposure to the top U.S. companies
• Around $33 into VXUS → international diversification
• The last $33 depends on your goals:
• QQQ or VUG for more growth and tech exposure
• SCHD for stable dividend companies
• BND if you want lower risk and more stability

That’s literally enough to get started.

This is actually based on a very popular strategy called the “three-fund portfolio.”

Simple. Diversified. Effective.

Step 4: Automate it

This is the real secret. Set up automatic investments every week or month.

$10. $25. $100. Whatever you can afford consistently.

Because investing is less about the starting amount and more about building the habit.

Most people wait until they “have more money.” But consistency beats waiting every single time.

If you invested just $100 a week consistently over time, compounding starts doing the heavy lifting for you. That’s how ordinary people quietly become millionaires.

And honestly, that’s how my life changed, too. Not because I was smarter than everyone else. I just started early… and stayed consistent. That one decision eventually helped me build financial freedom and even buy my parents a house.

So if there’s one thing I hope you take from this email, it’s this: you do not need to have everything figured out before you begin. You just need to start.

Learn more about making and multiplying your wealth in my step-by-step guide. 

Download it for free here.  

Using my affiliate link helps support my team and I to create new content for you every week. Thank you! 

- Milan and Team

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Milan Singh may earn affiliate commissions from the links mentioned. All recommendations and opinions are Milan’s own. This may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.