Got $100 burning a hole in your pocket? Instead of splurging on takeout or another streaming subscription, why not make that money work for you? Investing $100 wisely in 2025 can set you on the path to financial growth—even if you’re a complete beginner.
But where do you start? Should you dump it all into crypto? Buy stocks? Fund a side hustle? Let’s break down the best ways to invest $100 this year, whether you want quick returns or long-term growth.
Why Invest Just $100?
You might think, “What can $100 do?” Surprisingly, a lot! Many successful investors started small. Compound interest, smart stock picks, and micro-investing can turn that Benjamin into something much bigger over time.
The Power of Small Investments
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Compound growth: Reinvesting earnings accelerates returns.
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Low-risk entry: Test strategies without major losses.
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Build Developline: Regular investing habits pay off in the long term. Ways to Invest $100 in 2025
1. Stock Market: Fractional Shares & ETFs
Don’t have enough for a full share of Amazon? No problem! Apps like Robinhood, Webull, and M1 Finance let you buy fractional shares—owning a slice of expensive stocks for just a few bucks.
Best Stocks & ETFs for $100
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SPY (S&P 500 ETF): Diversified, low-cost.
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VTI (Total Stock Market ETF): Broad exposure.
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Tech stocks (AAPL, MSFT, NVDA): Growth potential.
🔗Learn more about ETFs at Investopedia{:rel=”dofollow”}.
2. Robo-Advisors: Set It & Forget It
If picking stocks feels overwhelming, consider using a robo-advisor like Betterment or Wealthfront, which automates investing based on your risk tolerance.
Pros:
✔ Low fees
✔ Automatic rebalancing
✔ Great for beginners
3. High-Yield Savings Accounts (HYSA)
Not ready for market risks? A HYSA (like Ally Bank or Marcus by Goldman Sachs) offers 4-5% APY, way better than traditional banks.
💰Example: $100 at 5% APY = $105 in a year (risk-free).*
4. Peer-to-Peer Lending (P2P)
Platforms like Prosper or LendingClub let you lend money to individuals or small businesses, earning 5-10% interest.
⚠️Higher risk—some loans may default.
5. Cryptocurrency: High Risk, High Reward
If you’re okay with volatility, $100 in crypto could grow—or shrink—fast.
Best Crypto for Small Investments (2025)
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Bitcoin (BTC): The “digital gold.”
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Ethereum (ETH): Smart contract leader.
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Solana (SOL): Fast, low-cost transactions.
🔗Track crypto trends on CoinMarketCap{:rel=”dofollow”}.
6. Invest in Yourself (Courses, Side Hustles)
Sometimes, the best ROI is self-improvement. Use $100 for:
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Online courses (Udemy, Coursera)
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Freelance tools (Canva, Fiverr gigs)
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Print-on-demand business (Teespring)
7. Dividend Stocks for Passive Income
Companies like Coca-Cola (KO) and Johnson & Johnson (JNJ) pay quarterly dividends, turning $100 into a tiny income stream.
📈Reinvest dividends for compounding!
8. Micro-Investing Apps (Acorns, Stash)
These apps round up purchases and invest spare change. Perfect if you want hands-off growth.
9. REITs (Real Estate Investment Trusts)
Can’t afford a house? REITs (real estate investment trusts) let you invest in real estate with just $100.
🏠 Popular REITs: VNQ, O, AMT
10. Start a Side Hustle
Turn $100 into $500+ by flipping items, blogging, or selling digital products.
🎯 Check out Shopify’s guide to side hustles{:rel=”dofollow”}.
What NOT to Do With $100
❌ Day trading (Too risky for beginners)
❌ Buying lottery tickets (Almost guaranteed loss)
❌ Impulse spending (Zero ROI)
Final Tips for Investing $100 in 2025
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Diversify: Don’t put all $100 in one place.
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Reinvest profits: Grow your initial investment.
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Stay patient: wealth builds over time.
Conclusion
Investing $100 wisely in 2025 is doable—whether you choose stocks, crypto, or a side hustle. The key? Start now, stay consistent, and keep learning. Even small amounts can snowball into serious wealth over time.
FAQs
1. Can I make money investing just $100?
Absolutely! Many investments (like ETFs or crypto) allow small entries that grow over time.
2. What’s the safest way to invest $100?
A high-yield savings account (HYSA) or index funds offer low-risk growth.
3. How fast can $100 grow in the stock market?
Historically, the S&P 500 returns ~10% annually, so $100 could become $110 in a year.
4. Should I invest $100 in Bitcoin?
Only if you’re okay with high risk. Crypto is volatile but has huge upside potential.
5. What’s the best app for investing $100?
Robinhood (stocks), Acorns (micro-investing), or Coinbase (crypto) are great starters.
Ready to put that $100 to work? Pick a strategy and start today!🚀
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