Investing doesn’t have to mean emptying your wallet. Many options exist for those with modest budgets, allowing you to grow your wealth steadily and securely.
Here are five brilliant investments anyone can afford to start today.
1. Precious Metals
Gold and silver are timeless investment options that act as a hedge against inflation. Even with a modest budget, you can invest in physical metals or explore gold IRAs for long-term diversification.
Precious metals provide a sense of security and have a proven history of retaining value during economic uncertainty.
Pro Tip: Explore diversification options like precious metals investments, with opportunities to receive up to $15,000 in free metals through qualified purchases. If you’re over 50 and curious about investing in Gold, now is a great time to get your FREE 2025 Gold Information Kit and protect your future with physical precious metals!
2. Micro-Investing Apps
Micro-investing apps like Acorns and Public allow you to start investing with spare change. By rounding up purchases to the nearest dollar, these apps help you invest small amounts that add up over time.
Some apps also offer educational resources, making them a perfect choice for beginner investors looking to learn the basics and explore diverse investment opportunities.
Pro Tip: Invest with zero commissions! Start small with just $1 and diversify across stocks, bonds, ETFs, crypto, and art using this popular app – sign up today.
3. Index Funds and ETFs
Exchange-Traded Funds (ETFs) and index funds allow you to invest in a broad market with a small initial investment. These funds typically come with low fees and can help diversify your portfolio while offering consistent returns.
Start with as little as $50 or $100, and use automated contributions to build your investments over time.
Pro Tip: If you’ve got at least $100,000 in investments, check out a free service called SmartAsset. You fill out a short questionnaire and instantly get matched with up to three vetted financial advisors in your area.
4. High-Yield Savings Accounts
A high-yield savings account is a low-risk, accessible investment that lets your money work for you.
Offering higher interest rates than traditional savings accounts, this option ensures your funds grow steadily while remaining easy to access for emergencies.
Pro Tip: Earn as much as possible on your emergency savings. For example, SoFi Checking is offering 4% interest, plus a potential $300 signup bonus. (May change without notice.)
5. Health Savings Accounts (HSAs)
If you have a high-deductible health plan, an HSA is a fantastic way to save for medical expenses while gaining tax advantages. Contributions are tax-deductible, grow tax-free, and can be withdrawn tax-free for qualified expenses.
Investing in an HSA can help you save for the future while ensuring you’re covered for unexpected healthcare costs.
Pro Tip: If you have a high-deductible health plan, you should have a Health Savings Account. Check out Lively HSAs.
Secure Your Financial Future
You don’t need a hefty bank account to start investing. From high-yield savings accounts to precious metals, these affordable options let you grow your wealth while keeping risks manageable.
The key is to start small, stay consistent, and let time work its magic. With these five strategies, building a brighter financial future is within everyone’s reach.
