If You’re Starting with $100

This stage is about building habits more than big profits.

1. Open a brokerage app (Robinhood, eToro, Trading212, Binance, depending on your region).

2. Buy fractional shares of strong companies or ETFs (example: S&P 500 index fund).

3. Try micro-investing apps (like Acorns, Revolut, or Cash App) that round up purchases and invest the spare change.

4. Learn → Use free platforms (YouTube finance channels, Investopedia, podcasts).

? Goal: Build knowledge + get used to market fluctuations.

? If You’re Starting with $1,000

Now you can diversify across a few asset classes.

1. 60% → ETFs / Index funds (broad, safe, steady growth).

2. 20% → Individual stocks (companies you believe in long-term).

3. 10% → Bonds or a high-yield savings account (for stability).

4. 10% → Experimental plays (crypto, startups, small cap stocks).

? Goal: Start compounding wealth while testing different investment types.

? If You’re Starting with $10,000

You can now use a portfolio approach.

1. 50% → ETFs / Index funds (foundation).

2. 20% → Real estate fund (REIT) or rental property down payment.

3. 15% → Dividend-paying stocks (to create passive income).

4. 10% → Bonds / gold (to hedge against market crashes).

5. 5% → High-risk assets (crypto, new tech startups, etc.).

? Goal: Create multiple income streams + long-term financial security.

? Extra Tips for All Levels

• ? Track everything → Use apps like Mint, YNAB, or Excel to monitor performance.

• ⏳ Invest consistently → Even $50/month compounds massively over 10–20 years.

• ⚖️ Don’t panic sell → Volatility is normal. Wealth comes from patience.

• ? Set clear goals → Are you investing for retirement, buying a house, or just extra income?

✅ Example Growth (Compounding Magic):
If you invest $200/month in an index fund averaging 8% annual return →

• After 10 years: ~$37,000

• After 20 years: ~$118,000

• After 30 years: ~$335,000

That’s how the rich get richer → they let time + compounding do the work.