top of page
  • Writer's pictureNathan Lippincott

Investing with Little to No Money

Investing is a great way to build up savings.This blog lays out options for how you can invest, even if you don't have a lot of money.

Anyone has the ability to invest their money. If you really want to begin investing and you don’t have much money, this blog will give you a few ideas on how to do this. There are several different places that allow for investment with very small amounts of money.

STM Asset Management

First, I myself am an option for you! If you want to work with an investment advisor, you are more than welcome to contact me through clicking on this link. I actively manage clients’ portfolios and I do not have a limit or requirement for the amount that you can begin with.

My rule of thumb is just, “always be consistent.” You do not need to invest a lot of money at the start. You can even begin with the cost of skipping a daily cup of coffee accumulated month by month. This small amount can be the beginning of building savings that can change your life. Find my link below and open an account to begin funding today!

Acorn Account

Another option available is an Acorns Account. This is especially helpful if you have a difficult time saving money. This app rounds up all of your purchases on your credit/debit and uses the surplus to automatically fund your investment account.

You can even open retirement accounts with them, if desired. I would recommend using them for a taxable account and to generate a small emergency fund, while opting to do any type of actual retirement account with an investment advisor. (So that you can discuss your financial plan and financial future.) But Acorns is a great app to generate a collection of money for emergencies or future investments.

I have noticed another service called I have not personally used them, but I understand that they are a real estate portfolio account company. If you have always wanted to be a part of the rental field, then this may be the site for you. It allows you to invest into real estate for as little as $500.

The company provides you with a dividend throughout the year. It seems a great way to get started in real estate for very little investment upfront. Since I have not used this site yet, if you have or know someone who has, please feel free to leave a comment on your experiences!


If you are feeling especially adventurous and independent and want to pick stocks and buy and sell them yourself, you may want to look into Robinhood. Named after Sir Robin of Locksley (better known as Robin Hood), who became famous for stealing from the rich and giving to the poor, this company banks on its name, empowering everyone to break into the stock market.

They offer free stock trades. And free here is truly free – not “free, but with fees and other associated costs.” Trades here have zero commission and you are in the driver’s seat. All you have to do is download their app, connect to your bank, and fund your account. Then you can trade without fees. For extended trading hours and margin accounts, you can also upgrade to Robinhood Gold for an additional cost.

All of these options are extremely feasible for everyone – even those without much in their bank or with lower salaries. If you have feedback or experience using any of these services, feel free to comment below and share with everyone!


bottom of page