Let’s face it: starting an investment journey can feel a lot like standing at the edge of a diving board, wondering if you’re ready to jump. The question of “how much money do I need to invest?” is one of the biggest unknowns that keeps people on the sidelines.
But here’s the truth: there’s no one-size-fits-all answer. The right amount depends on your financial goals, risk tolerance, and how much you’re willing to commit—whether it’s big or small.
In this guide, we’ll break down what you need to know to make an informed start. We’ll cover how you can begin investing even if your budget is tight, why starting with a goal in mind matters, and how different amounts can work in your favor, no matter where you’re at. So whether you’re interested in starting with small investments or wondering about the minimum amount to start investing, this guide has you covered with strategies that make investing accessible for everyone.
1. What’s your investing purpose? Find your “why”
Before diving into numbers, let’s get clear on why you want to invest. Are you dreaming of a comfortable retirement? Building passive income? Funding a big future purchase? Defining your investing purpose helps you decide not only how much money is needed for investment but also how much you should invest to start.
Think of it this way: your goals shape your timeline, and your timeline guides the initial amount. If you’re planning for the long haul, you might start smaller and build steadily. On the other hand, a goal with a shorter timeline might mean a bigger initial investment. Here’s the good news: you can get started no matter your budget—the trick is understanding what you’re aiming for.
2. Different starting points: Investing small vs. large amounts
Whether you’re investing €50 or €5 000, there’s a minimum amount to start investing no matter your budget. Let’s explore some options that can help you get started, even if you’re investing with a small budget.
If you’re considering starting with small investments, consider investing in loans, money market funds, or Fractional Bonds. Each provides a low-cost entry point, so you can see returns while keeping risk manageable.
For those with larger budgets, options like ETFs and passive real estate allow for broader growth. ETFs allow you to diversify immediately, while passive real estate offers the potential for rental income.
How much should you invest to start? Larger sums can give more flexibility, balancing lower-risk assets with higher-growth potential. Check out our guide on low-risk investments for more ways to make the most of your investments in 2025.
3. Setting monthly contributions for consistency
One of the best ways to invest with small amounts is through regular monthly contributions, a strategy that lets your investment grow steadily without requiring a big upfront commitment. Setting aside a specific amount each month allows you to build your portfolio gradually.
Whether it’s €25, €100, or more, consistency is key, and investing with a small budget month after month can add up surprisingly fast. Plus, regular contributions allow you to take advantage of market changes and avoid the risk of trying to time the market perfectly.
If your goal is passive income or building wealth for the future, decide on an amount that works for you, then stick to it.
4. How much money should you invest monthly?
Deciding how much money should be invested monthly can be key to building wealth over time. A steady monthly contribution of even €50 can add up substantially over the years, thanks to compounding returns. For many new investors, what is a good amount of money to start investing is often what comfortably fits their monthly budget, as this keeps it sustainable and reduces stress.
This strategy works well for investors at any level, especially if you’re looking for the best ways to invest with small amounts. For those working with a tight budget, how to invest with little money becomes about consistency. Even modest monthly contributions will accumulate over time, helping you reach your financial goals steadily.
5. Where and how to start investing in 2025
Ready to take the leap? How much money you need to invest in 2025 depends on your goals and budget, but there are plenty of accessible options to help you get started, whether you’re exploring how to invest with little money or want to go bigger.
Your platform should suit your goals, budget, and desired level of involvement. Here are a few key factors to help you decide:
- Minimum investment amount: Look for platforms that align with the minimum amount to start investing you’re comfortable with. If you’re interested in investing with a small budget, seek platforms that allow you to start with lower amounts and offer flexible deposits.
- Fees and costs: Platforms charge fees in different ways, from transaction costs to management fees. Compare fees across platforms, especially if you’re planning to make monthly investments. Lower fees mean more of your money goes toward growth.
- Automation options: If you prefer a hands-off approach, look for platforms with automated tools or robo-advisors that manage your investments. Automated strategies are ideal if you’re new to investing and are exploring starting with small investments, without making frequent decisions.
- Investment education: A good platform will offer resources to help you understand your choices and make informed decisions. Look for platforms with clear information on how to invest with little money, which can be especially helpful if you’re just starting out.
If you’re interested in more detailed investment options, explore our blog on investment strategies to find the right approach for you.
6. Investment tips for beginners
Starting your investment journey can be exciting, but having a few strategies in mind can make all the difference. Here are some essential tips for beginners looking to maximize their returns and build confidence in their investment approach:
- Start small, scale gradually: You don’t need a huge initial sum; even small, consistent investments can grow over time. Wondering how much money beginners should invest? Start with an amount that feels manageable, and gradually increase it as your comfort level grows.
- Set clear goals: Define your investment goals early on, whether they’re passive income, long-term growth, or a specific financial milestone. Knowing your goals can guide you in choosing the right assets and strategy for your portfolio.
- Diversify to minimize risk: A well-diversified portfolio is key to managing risk. This doesn’t mean owning every type of asset, but rather balancing your investments across a mix of stable and growth-focused assets.
- Stay consistent: Even if the market fluctuates, consistent investing can help smooth out returns over time..
- Reinvest earnings: Whenever possible, reinvest dividends or interest to accelerate growth. Reinvesting can generate more earnings over time, boosting your overall returns.
- Educate yourself: Knowledge is a powerful tool in investing. Take time to understand different asset types and how markets work, as well as your own risk tolerance.
- Avoid emotional decisions: Markets can be unpredictable, and it’s easy to feel pressured to make quick decisions when values rise or fall. Remember your long-term goals, and try not to let temporary market swings lead you to hasty actions.
- Keep an eye on fees: Fees can eat into your returns, especially over the long term. When choosing an investment platform or fund, compare the fees, especially if you’re planning on investing with a small budget. Lower fees mean more of your money is working for you.
- Reassess regularly: Set aside time periodically to review your portfolio. Are your investments still aligned with your goals? Has your risk tolerance changed? By reassessing, you can adjust your strategy as needed, especially as your goals and financial situation evolve.
Starting with these tips, you’ll be better prepared to navigate the investment world with confidence and clarity.
7. Maximizing growth: How much should you invest to make money?
If building wealth is your main focus, you might be wondering, “how much should I invest to make money effectively?”. In general, growth-focused investments like stocks, ETFs, or real estate tend to offer higher returns, but the amount you start with, and your consistency are crucial.
For most people, the question of how much money is needed for investment to see real returns depends on their risk tolerance and financial goals. Many beginners find that starting with €50 or more gives a solid foundation, especially when spread across diverse assets. Combining stocks with low-risk options like bonds helps balance your portfolio while capturing market gains.
Regular contributions can also amplify returns, especially if you’re practicing dollar-cost averaging —investing a set amount monthly. This method reduces the pressure of timing the market and allows you to make steady gains by buying more shares when prices are lower. For those looking to make money steadily, reinvesting any earnings back into your portfolio is also an effective way to accelerate growth.
Take the first step and start investing with Mintos today
Whether you’re working with €50 or €10 000, Mintos makes investing accessible and straightforward. Every euro you invest is a step closer to your financial dreams, and starting now means giving your money the time it needs to grow.
Don’t wait for the “perfect” moment—start today, build consistency, and let your money begin working for you. Remember, the best time to invest was yesterday. The second-best time? Right now. So, join us on Mintos, and let’s make your financial future a reality.
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Disclaimer:
This is a marketing communication and in no way should be viewed as investment research, investment advice, or recommendation to invest. The value of your investment can go up as well as down. Past performance of financial instruments does not guarantee future returns. Investing in financial instruments involves risk; before investing, consider your knowledge, experience, financial situation, and investment objectives.
