Small Investments That Make Money

Not everyone has thousands of dollars to invest, but that doesn’t mean you can’t start building wealth. Small investments can grow over time, providing significant returns with minimal risk. This article will explore various ways to invest small amounts of money to make more money.

Understanding Small Investments

What Are Small Investments?

Small investments are financial contributions that typically range from a few dollars to a few hundred dollars. These investments are accessible to most people and provide a way to grow wealth gradually.

Benefits of Small Investments

Small investments require less capital, making them accessible to everyone. They also offer the opportunity to learn about investing without risking large amounts of money.

Dividend Stocks

What Are Dividend Stocks?

Dividend stocks are shares of companies that pay regular dividends to shareholders. These dividends provide a steady income stream, making them a great option for small investors.

How to Start with Small Investments in Dividend Stocks

Open a brokerage account, research companies with a strong dividend history, and purchase shares. Many platforms allow you to buy fractional shares, making it easier to invest small amounts.

Recommended Dividend Stocks

  • Johnson & Johnson (JNJ)
  • Coca-Cola (KO)
  • AT&T (T)
  • Procter & Gamble (PG)

Peer-to-Peer Lending

What Is Peer-to-Peer Lending?

Peer-to-peer lending involves lending money to individuals or businesses through online platforms. In return, you earn interest on the loans.

How to Invest Small Amounts in Peer-to-Peer Lending

Many platforms allow you to start with as little as $25. By lending small amounts to multiple borrowers, you can diversify and reduce risk.

Best Platforms for Small Investments

  • LendingClub
  • Prosper
  • Upstart

High-Yield Savings Accounts and CDs

What Are High-Yield Savings Accounts?

High-yield savings accounts offer higher interest rates than regular savings accounts. They are a safe way to earn a modest return on your money.

Benefits of Small Investments in CDs

Certificates of Deposit (CDs) offer fixed interest rates for a set period, providing a predictable return on investment.

Best Banks for Small Savings

  • Ally Bank
  • Discover Bank
  • CIT Bank

Micro-Investing Apps

What Are Micro-Investing Apps?

Micro-investing apps allow you to invest small amounts of money regularly. These apps often round up your purchases to the nearest dollar and invest the spare change.

How to Use Micro-Investing Apps

Download a micro-investing app, link your bank account, and set up automatic investments. Even small contributions can add up over time.

Popular Micro-Investing Apps

  • Acorns
  • Stash
  • Robinhood

Index Funds and ETFs

What Are Index Funds and ETFs?

Index funds and ETFs (Exchange-Traded Funds) are investment funds that track a specific index, such as the S&P 500. They provide diversification and are ideal for small investors.

Starting Small with Index Funds and ETFs

Many brokers offer low minimum investment amounts for index funds and ETFs. You can start with just a few dollars.

Best Funds for Beginners

  • Vanguard S&P 500 ETF (VOO)
  • iShares Core S&P 500 ETF (IVV)
  • Schwab U.S. Broad Market ETF (SCHB)

Real Estate Crowdfunding

What Is Real Estate Crowdfunding?

Real estate crowdfunding allows you to invest in real estate projects with a small amount of money. These platforms pool funds from multiple investors to finance projects.

How to Invest Small Amounts in Real Estate

Join a real estate crowdfunding platform, browse available projects, and invest small amounts in properties that interest you.

Best Crowdfunding Platforms

  • Fundrise
  • RealtyMogul
  • Groundfloor


What Are Robo-Advisors?

Robo-advisors are online platforms that manage your investments using algorithms. They provide a low-cost, hands-off approach to investing.

Benefits of Using Robo-Advisors for Small Investments

Robo-advisors typically have low minimum investment requirements and offer diversified portfolios tailored to your risk tolerance.

Top Robo-Advisors for Small Investors

  • Betterment
  • Wealthfront
  • M1 Finance


What Is Cryptocurrency?

Cryptocurrency is a digital or virtual currency that uses cryptography for security. Popular cryptocurrencies include Bitcoin and Ethereum.

How to Start Small with Cryptocurrency

Many platforms allow you to buy fractional shares of cryptocurrencies, making it easy to start with a small investment.

Recommended Cryptocurrencies for Beginners

  • Bitcoin (BTC)
  • Ethereum (ETH)
  • Litecoin (LTC)

Savings Bonds

What Are Savings Bonds?

Savings bonds are government-issued bonds that offer a fixed interest rate over a specified period. They are a safe investment option.

Benefits of Small Investments in Savings Bonds

Savings bonds are low-risk and can be purchased in small denominations, making them ideal for conservative investors.

How to Buy Savings Bonds

You can buy savings bonds directly from the U.S. Treasury’s website or through a bank or broker.

Creating Digital Products

What Are Digital Products?

Digital products are items like e-books, online courses, and software that can be sold and delivered online.

How to Start Small with Digital Products

Create a digital product that leverages your skills or knowledge. Platforms like Amazon Kindle Direct Publishing and Teachable make it easy to publish and sell your products.

Ideas for Digital Products

  • E-books
  • Online courses
  • Stock photos and videos

Affiliate Marketing

What Is Affiliate Marketing?

Affiliate marketing involves promoting products or services and earning a commission on sales made through your referral links.

Starting Small with Affiliate Marketing

Join affiliate programs, create content that includes your affiliate links, and promote it through your blog, website, or social media.

Tips for Success

  • Choose products relevant to your audience.
  • Create valuable content.
  • Disclose your affiliate relationships.

Tips for Successful Small Investing

Diversifying Your Investments

Spread your investments across different asset classes to reduce risk and increase the potential for returns.

Reinvesting Earnings

Reinvest your earnings to compound your returns and grow your wealth faster.

Staying Informed

Stay up-to-date with market trends and news related to your investments. This helps you make informed decisions.


Small investments can make a big difference over time. By exploring various investment options and staying informed, you can grow your wealth gradually and steadily. Remember, the key is to start small, diversify your investments, and reinvest your earnings.


How much money do I need to start investing?

You can start investing with as little as a few dollars. Many platforms and investment options have low minimum requirements.

Are small investments worth it?

Yes, small investments can grow over time and provide significant returns. They are also a great way to learn about investing with minimal risk.

What is the safest small investment?

High-yield savings accounts and savings bonds are among the safest small investments. They offer steady returns with minimal risk.

How can I grow my small investments?

Reinvest your earnings, diversify your investments, and stay informed about market trends to maximize growth.

Can small investments become large investments?

Yes, with time and consistent contributions, small investments can grow significantly. The key is to start early and be patient.

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