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Investing a small amount: practical advice for getting started and making a small budget grow
Investing a small amount: what you need to know before you start
Investing with a small budget is attracting more and more beginners, but it's important to be realistic: you can't build wealth with an investment of €100, €500, or even €1,000. "Traditional" investments savings accounts , life insurance , or the stock market offer returns , meaning minimal gains on a small amount . However, investing small sums remains the best way to learn, become familiar with the financial markets , and prepare for future, larger investments
Table of contents
Why invest with a small budget?
- Gaining initial experience as an investor
- Discover the different investment options
- Take advantage of the snowball effect by regularly investing a fixed amount each month.
- Making your money grow, even modestly, rather than letting it sit idle in a savings account
What to invest in with a small budget? Options accessible to everyone
Savings accounts and the Livret A
Opening a Livret A or a savings account remains the most common step for anyone wanting to start investing with a small budget . These accounts are accessible from as little as 10 or 20 euros, with no risk of capital loss. However, the return is limited (around 3% in 2025) and doesn't allow for rapid growth small amount . It doesn't keep pace with inflation, so you're not making your money grow in a Livret A.
Life insurance: flexible but not very profitable with a small budget
Life insurance allows you to invest from as little as €50, with euro funds or more dynamic unit-linked funds tax treatment after eight years and the possibility of diversifying across several investment options. However, for those with a limited budget , potential management fees and the low performance of euro funds restrict the appeal of this investment .
Investing in the stock market with a small budget: possible but limited
Investing in the stock market with a small budget is now more accessible thanks to online brokers and PEAs . It's possible to buy shares starting from €50 or diversify with ETFs (exchange-traded funds), which track the performance of a stock market index . However, any stock market investment with a small amount will yield a limited return (on average 10% per year with an S&P 500 ETF), and management fees can significantly reduce performance.
SCPIs and fractional real estate: investing in property with a small budget
Real estate is no longer reserved for those with large budgets. Thanks to SCPIs (real estate investment trusts) or ownership , it's possible to invest real estate shares starting from €200 . SCPIs offer a return of 4% to 6% per year, but be aware of entry fees and liquidity: it's not always easy to sell your shares quickly. Real estate crowdfunding is another option for investing in real estate projects starting from €100, with returns sometimes exceeding 8%, but a significant risk of capital loss
Investing in wine, cellars, or collectibles
Some investors choose to invest in wine, cellars, or collectibles with a small budget . This type of investment requires a good understanding of the market and remains relatively illiquid. Potential gains exist, but it's not the most accessible investment option
Why invest in cryptocurrencies with a small budget?
The crypto market: a unique opportunity for those on a budget
Unlike the stock market , real estate , or life insurance , investing in cryptocurrencies allows a small budget grow exponentially if the market performs favorably. On the crypto market, it's possible to buy for €50, €100, or €200 and see your investment multiply if the chosen asset appreciates. However, be aware that all crypto investments risk of capital loss , but this is also where the most attractive returns small budget .
Bitcoin, blockchain and the payments revolution
Bitcoin is the first cryptocurrency and remains the most well-known. It enables peer-to-peer payments without intermediaries, making it efficient, fast, and accessible worldwide. The blockchain is a decentralized, secure, and transparent digital ledger that records every transaction without the possibility of alteration. Unlike the euro or the dollar, the supply of bitcoin is limited to 21 million units, making it a scarce asset and potentially a hedge against inflation. As the oldest cryptocurrency, Bitcoin is currently one of the least volatile.
What are the advantages of investing in cryptocurrencies?
- Accessible to everyone, even on a small budget
- Possibility to buy a large quantity of tokens
- Market open 24/7
- potential return if the chosen project develops
- Constant innovation: DeFi , NFTs, new protocols
- Immediate liquidity: it is possible to sell your assets at any time
How to invest in cryptocurrencies with a small budget?
Choose a reliable and suitable platform
To invest in cryptocurrencies, you must first choose a reputable and accessible platform.
Gemini
For investing in cryptocurrencies, we recommend Gemini.
The platform offers:
- Top-tier security, with "cold" storage of the majority of funds
- A dual interface: a simplified application for beginners and ActiveTrader , an advanced platform offering volume-dependent fees and a competitive order book.
- Access to over 60 cryptocurrencies, but also to a rare offering on the market: tokenized shares (Nvidia, Apple, etc.). These products replicate the price of real shares via tokens issued directly on the Gemini platform, allowing them to be bought and traded 24/7 like cryptocurrencies, without going through a traditional stockbroker.
- Strict regulatory compliance, with Gemini being one of the first platforms approved in the United States and holding the European license ( MiCA ).
- Additional services such as staking to generate returns on these cryptocurrencies.
Gemini therefore allows you to invest in both cryptocurrencies and tokenized shares, all within a secure and regulated environment.
Steps to invest on a small budget on Gemini
- Open an account on Gemini
- Verify your identity and secure your account
- Deposit your small amount (€10, €50, €100…)
- Choose the cryptocurrency to buy (Bitcoin, Ethereum, Solana…)
- Confirm the transaction and track the progress of your investment
To guide you step by step, we offer a free guide that explains everything, screenshot by screenshot, from account creation to securing your cryptocurrencies on a wallet using blockchain, including purchasing your cryptocurrencies. Fill out the form below to receive it:
What are the risks of investing in cryptocurrencies?
- Extreme volatility: prices can fall by 20 to 80% in a few days
- Risk of total loss of capital if the project fails
- No guarantee, unlike savings accounts or life insurance
Crypternon cannot be held responsible for your losses. Investing in cryptocurrencies is one of the riskiest investments, but also one of the most potentially lucrative for a small budget. Before investing in cryptocurrencies, we advise you to learn more about what a cryptocurrency is, what anltccoin is, and the projects behind each currency.
How to invest small sums while minimizing risks?
- Never put all your eggs in one basket : diversify across several cryptocurrencies or investments.
- Prioritize solid and well-established projects (Bitcoin, Ethereum , Solana , top 50/100 by market capitalization)
- Avoid promises of quick profits or scams
- Investing a fixed amount each month to smooth out entry points
- Keep an emergency fund equivalent to 3 to 6 months of expenses to cope with an unexpected financial hardship
Is it possible to invest in the stock market with a small budget?
Yes, it's possible to invest in the stock market with a small budget , particularly through online brokers, PEA accounts , or ETFs . Management fees are lower than before, and it's possible to diversify with as little as €50 or €100. However, returns remain low on small amounts.
Examples of stock market investing with a small budget
- Buy one or two shares for less than €100 (TotalEnergies, Société Générale…)
- Investing in an ETF that tracks a global stock market index
- Open a share savings plan to benefit from long-term tax advantages
Real estate: how to invest with a small budget?
Real estate investing in property is difficult with a small budget. Real estate investment trusts (REITs) or allow investment starting from €200, but liquidity is low and returns are not very attractive. For those with a limited budget , cryptocurrencies are a better option for growth , albeit with higher volatility.
FAQ: Investing on a small budget
Is it possible to invest in the stock market with little money?
Yes, investing in the stock market with little money is possible thanks to online brokers and ETFs . However, returns are low on a small budget , and you must accept the risk of losing your capital .
What are the options for investing with a small budget?
Cryptocurrencies offer the best potential returns for a small budget , but also carry the most risk. Savings accounts , life insurance , real estate investment trusts (REITs) , and the stock market are safer but less profitable alternatives.
How to invest with little money?
Start with a fixed amount each month, diversify your investments and favor liquid and accessible assets such as cryptos or ETFs .
Conclusion: Investing a small amount is possible, but you need to choose the right strategy
Investing with a small budget won't make you rich overnight, but it's the best way to learn, test the financial markets , and prepare for larger investments Cryptocurrencies remain the most dynamic way to grow a small sum, provided you accept volatility and educate yourself. To invest effectively, stay informed, diversify your portfolio , and always remember that all investments carry risk.
Investments in cryptocurrencies are risky. Crypternon could not be held responsible, directly or indirectly, for any damage or loss caused following the use of a property or service put forward in this article. Readers must do their own research before undertaking any action and investing only within the limits of their financial capacities. Past performance does not guarantee future results. This article does not constitute an investment advice.
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AMF recommendations. There is no guaranteed high yield, a product with high performance potential implies a high risk. This risk taking must be in line with your project, your investment horizon and your ability to lose part of this savings. Do not invest if you are not ready to lose all or part of your capital.
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Yoann
Training engineer, I quickly became interested in the field of finance. Convinced that decentralized finance has a bright future ahead of it, I participate in its democratization by developing Crypternon.
