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You can do a lot with a little money — even as a beginning investor. If you have $1,000, $100, or even just $25, you can start investing today — right now.

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You’re never going to get rich if you don’t invest in some form. Technically, even lottery winners invest their money (by buying tickets) before becoming millionaires (by getting lucky).

I’m not at all suggesting you play the lottery. I’m suggesting you start building a real investment portfolio instead — right now, with whatever amount of money you can spare. In this post we’ll go through some tried and true methods that are a great place to start to invest with little money.

Quick note before we begin: If you currently have any consumer debt, it might be a good idea to pay off that debt first, before investing. Read our full post on ways to get out of debt fast.

How to Invest with Little Money

Here are 15 simple ways to invest small amounts of money:

1. Real Estate Crowdfunding

Money Needed To Start $500

This one might surprise you, but you can invest in real estate without much money. With crowdfunded real estate, you can invest as little as $500.

The way it works is that you team up with other real estate investors, pool your money together, and buy some real estate. You become a partial owner of the property.

Any profit made from selling the real estate, or earning income from ongoing rents, would come back to you.

› Learn more:read our complete Fundrise Review.

2. Fractional Shares

Money Needed To Start $1

You can find a lot of solid investing apps that charge no commissions or fees. So why do I recommend the Public app for iOS or Android?

Because you can open an account and start investing in the stock market right away — even if you have only $1 to spare. Public.com requires no minimum investment either to open an account or to invest in fractional shares of stocks, called slices.

That means you can invest in top companies, even if you can’t afford an entire share of the stock.

You can also invest specifically in the kinds of companies you believe in through Public’s themes. Whether it’s environmentally friendly companies or tech-driven firms, Public’s themes can help keep your investments aligned with your beliefs.

If you’re cash-poor or just not familiar with the basics of investing, Public can unlock the doors to the investing world.

Public.com no longer pays interest on uninvested cash.

› Learn more:read our complete Public.com Review.

3. High Yield Savings Accounts

Money Needed To Start $1

Words like “investing,” “stock markets,” and “index funds” scare off a lot of would-be investors who think they’d need a finance degree to make good investments.

In reality, saving money in a high yield savings account is a form of investing, and you’ll have a hard time finding an easier way to invest.

Saving and investing are like siblings. You can’t really do one without the other. You can start slow — just save any loose change left over from the coffee you buy or the cost of parking. If you can put in, say, $5 a week, that can turn into $260 a year.

After 10 years — at 1% interest — you’d have $2,747. About $147 of that would be from compound interest. It’s not a lot of money, but you get the idea: Letting money grow slowly and steadily is a form of investing.

Today’s best online high yield savings accounts earn 0.8% to 1.4% interest which is a lot higher than the rate you’d get in a neighborhood bank account. If you do nothing else on this list, open up a high yield savings account today.

FDIC insurance provides the closest thing to a risk-free investment you’ll ever find — if you have $250,000 or less in your bank account or money market account.

› Want a quick start? Axos is an online-only bank that consistently offers competitive rates. Check them out now or read our full Axos Bank Review.

4. Robo-Advisors

Money Needed To Start $100

Investment managers and financial advisors cost money, even if you open a brokerage account with a discount broker.

Coming up with enough money to invest and to pay fees and commissions on investments has rattled many would-be investors.

But cost is no longer a big issue. Now, a robo advisor like Betterment can manage your portfolio for a small annual fee — 0.25% of your account balance, to be exact.

On a $1,000 account, you’d pay $2.50 a year in management fees.

Or, if that’s too steep, you could use M1 Finance which charges no annual fee to automatically spread your investments among different index funds and bonds. Computer software does the whole thing, which is why it’s called a robo advisor.

You can start with investments as small as $100, so it’s a great option if you want to avoid large fees and easier access to your money.

› Learn more:automate your investing now with M1 Finance or read our full M1 Finance Review.

5. Invest Your Spare Change with Acorns

Money Needed To Start $0

Acorns lets you invest your spare change — literally — by rounding up your debit or credit card purchases to the nearest dollar. This means you can start an investment account with no money!

Just link your credit or debit card to the app, and once your spare change balance has reached $5, you can start investing with Acorns’ algorithm which buys into exchange-traded funds or ETFs.

Unlike individual stocks, ETFs diversify your investment instantly. Your portfolio’s performance will normally track the broader stock market’s performance.

With Acorns, you can choose your own risk tolerance. The app will invest your money conservatively or aggressively based on your preferences.

It will even round up to the nearest $10 instead of the nearest $1 to increase your investment funds more rapidly.

› Learn more:read our complete Acorns Review.

6. Get A Free Stock From Robinhood

Money Needed To Start $0

Robinhood pioneered commission-free investing through its app. You can trade individual stocks, options, ETF shares, and even cryptocurrency with this app.

Robinhood’s model was so successful almost every other broker has started commission-free trading in response.

But Robinhood still shines because you can open an account with little money, and you can buy fractional shares. This means you can buy a piece of an individual stock even if you can’t afford a full share.

Since Robinhood was born in the smartphone age, the app works seamlessly on both iOS and Android phones. You can’t trade mutual funds or open an IRA, but Robinhood is still a best investment option for new investors.

What’s more? They’ll give you a free stock just for signing up.

› Learn more:read our complete Robinhood Review. Real stacks of money tumblr.

7. Certificates Of Deposit (CDs)

Money Needed To Start Varies by bank

Certificates of depos

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