If You’re Starting with $100

At this level, your goal is to learn the basics and get your money working for you with minimal risk.

1. Open a Brokerage or App → Use platforms like Robinhood, eToro, or Trading212 to buy fractional shares (so you don’t need thousands to invest in big companies).

2. Buy Fractional Shares of ETFs or Big Companies → Example: S&P 500 Index Fund (broad exposure to top U.S. companies).

3. Try Micro-Investing Apps → Apps like Acorns or Revolut let you “round up” spare change from purchases and invest automatically.

4. Learn for Free → Watch YouTube finance channels, listen to podcasts, or read Investopedia. At this stage, your knowledge is your biggest investment.

? Goal: Build discipline, learn the system, and develop the habit of investing.

? If You’re Starting with $1,000

Now you can diversify while keeping risk manageable.

1. 60% → ETFs / Index Funds → Safe, broad growth (S&P 500, MSCI World, Nasdaq-100).

2. 20% → Individual Stocks → Companies you believe in long-term (Apple, Tesla, Amazon, etc.).

3. 10% → Bonds or High-Yield Savings → Ensures stability and reduces risk.

4. 10% → Experimental Plays → Crypto, startups, or smaller companies with high potential.

? Goal: Balance safety and growth while testing small “higher-risk” ideas.

? If You’re Starting with $10,000

Here, you can create a mini-portfolio across multiple asset classes.

1. 20% → ETFs / Index Funds → The solid foundation.

2. 20% → ETFs / Index Funds (international) → Spread across global markets.

3. 15% → Dividend Stocks → Companies paying regular income (Coca-Cola, Johnson & Johnson, utilities).

4. 10% → Bonds or Gold → Hedge against crashes.

5. 10% → Real Estate (REITs) → Exposure to property markets without owning property.

6. 5% → High-Risk Assets → Crypto, new tech startups, small-cap stocks.

? Goal: Build a balanced portfolio with both growth and passive income streams.

? Extra Tips for All Levels

• Track Everything → Use Mint, YNAB, or Excel to monitor performance.

• Be Consistent → Even $50/month compounds into thousands over 10–20 years.

• Don’t Panic Sell → Market volatility is normal; wealth comes from patience.

• Think Long-Term → True investing means holding for years, not quick flips.