How to Invest $20, $100, and $1,000 (and More)

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This article was updated on Dec. 30, 2015.

Got only $20 to put away right now?

It may not sound like much, but you can use it to buy shares in Ford Motor. Or Bank of America. Or Hertz. And those are just a few of the thousands of options available for cash-strapped investors. What if you can spare $100 -- or $1,000? Your options are even broader.

We're not here to tell you where to invest your money. We won't lay out a handful of stocks on a "buy" list. But what we can tell you is how you can invest your money -- the mechanics of investing small, large, and medium amounts of cash. We can even help you choose a broker.

How to invest $20
Let's start with $20. We'll assume that you've already paid off any high-interest debt and that you have some money stashed in a safe place (like a savings or money market account) that you can get to quickly in case of an emergency expense. Now you find yourself with a little extra dough, and you want to begin investing for your future.

Is it even worth it to invest such a pittance?

Heck yeah it is! One of the best ways to invest small amounts of money cheaply is through Dividend Reinvestment Plans, commonly known as DRIPs. With a DRIP, any cash dividends you receive from a company are automatically reinvested in more of that company's stock. This means you're steadily building your position in that company, so your capital gains will increase exponentially over time.

On top of that, DRIPs -- along with their cousins, Direct Stock Purchase Plans (DSPP) -- allow you to bypass brokers (and their commissions) by purchasing stock directly from the companies or their agents.

Thousands of major corporations offer these types of stock plans -- many of them free, or with fees low enough to make it worthwhile to invest as little as $20 or $30 at a time. DRIPs are ideal for those who are starting out with small amounts and want to make frequent purchases (a powerful investing tactic known as dollar-cost averaging). Once you're in the plan, you can set up an automatic payment plan, and you don't even have to buy a full share each time you make a contribution.

DRIPs may be one of the surest, steadiest ways to build wealth over your lifetime (just make sure you keep good records for tax purposes). For more details on Drips, see "What if I can only invest small amounts of money every month?"

How to invest a couple of hundred bucks
So you've weeded out all the nickels from your spare-change jar and have tallied up a few hundred bucks. Instead of blowing it on snack food and Elvis memorabilia, consider investing it in an index fund. An index fund that tracks the S&P 500 index, for example, will match your returns to those of an investment that has historically returned about 10% per year.

Some index funds require an initial investment as low as $250. This low minimum is usually restricted to individual retirement accounts (IRAs). After your initial investment, you can add as much money as you like, as frequently as you like, with no additional costs or commissions. You can purchase index funds directly from mutual fund companies, so there are no commissions to pay to a middleman.

If you have a few hundred dollars to start with, then this is a great, low-cost way to establish an instant, broadly diversified (500 companies!) stock portfolio.

How to invest $500 
Once you're up to $500, your investment options open up a bit more. You can still buy an index fund, and now you'll have your pick of fund companies that require higher initial investments. This freedom will enable you to shop around for a fund with the lowest expense ratio.

You should also seriously consider opening a discount brokerage account. You'll want to focus on the account option that best serves your needs; some accounts require a minimum initial deposit, and some don't. That means you can open up an account with whatever investing money you have available and start researching, and perhaps purchasing, individual companies. (Or, if you're enamored of index investing, you can easily invest in the SPDR S&P 500 ETF (NYSEMKT: SPY  ) ,  a stock-like investment that mimics the performance of the S&P 500.)

The key here is to keep your costs of investing (including brokerage fees) to less than 2% of the transaction value. So if you're planning to add to your position in stocks a few times a month, then a DRIP or an index fund may still be the way to go.

How to invest $1,000-plus
What can you do with a grand? Obviously, with $1,000 you can open up a discount brokerage account, but consider the rewards if you can scrape up an additional $1,000 a year to add to your original investment.

Say you have 30 years until retirement. If you start with $1,000 and invest an additional $1,000 each year, and your money earns 10% annually, then in 30 years you'll have about $200,000. Keep at it for another 10 years, and your money will more than double to $532,000. That seems worth it to us. And if you have earned income, you can set up a Roth IRA, and you won't even pay any taxes on your savings when you withdraw them in retirement.

Again, even at this level, the key is to keep fees from eating up your earnings. So make sure the costs of investing (including brokerage commissions, stamps to mail in checks, and books that help you learn to invest) are less than 2% of your account's overall worth. With small accounts, that can be a challenge, but with such low commissions being offered by discount brokers, it's definitely doable.

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Read/Post Comments (103) | Recommend This Article (1108)

Comments from our Foolish Readers

Help us keep this a respectfully Foolish area! This is a place for our readers to discuss, debate, and learn more about the Foolish investing topic you read about above. Help us keep it clean and safe. If you believe a comment is abusive or otherwise violates our Fool's Rules, please report it via the Report this Comment Report this Comment icon found on every comment.

  • Report this Comment On September 01, 2008, at 8:16 PM, prginww wrote:

    Why do I need a Brokerage Account? I have a couple thoudand dollars so I can probably do more than an DRP or just an index by itself. This information implies other advantages to a Brokerage Account but I am new to this and dont understand. Can't I just drop my several thousand into an Index fund and forget about it? is their a more aggressive option for me?

  • Report this Comment On November 15, 2008, at 8:06 AM, prginww wrote:

    I have only $250, how do i start with this money??

  • Report this Comment On November 26, 2008, at 11:30 PM, prginww wrote:

    I want to start investing, $300 + - a month. I know what company I want to invest in. From reading the article, im inclined to invest with Drips or index fund. It is possible to only invest in 1 company with these? Also when I accumulate a larger amount ($), will i be able to roll it into a discount brokerage account. Bottom line, all I would like to do is invest in 1 company, and once the shares get a certain price, sell. What about commision fees and other costs?

  • Report this Comment On November 29, 2008, at 11:16 AM, prginww wrote:

    You recommended T Rowe Price Equity

    Fund. I have a brokerage account at Fidelity so how do I buy this fund? Can I buy it Through Fidelity or do I have to go direct to T Rowe? Is this fund a no-load or an"ETF"?

  • Report this Comment On December 23, 2008, at 4:34 PM, prginww wrote:

    So I have a couple thousnadt to invest what compaines would be good to invest in

  • Report this Comment On January 23, 2009, at 1:11 PM, prginww wrote:

    What about investing in real estate? I am more comfortable investing in real estate than in the stock market and with the events that happened last year I have a good reason to be. Seriously, even if you think you need to be rich or have lots of capital to start.. rethink it! Becoming a millionaire by investing in real estate is more likely to happen than if you invest in the stock market. "The Pizza Delivery Millionaire" written by Rick Vazquez is a great book and tool to get yourself off on the right foot. Explore all your options first before investing your hard earned money!!

  • Report this Comment On May 02, 2009, at 1:46 PM, prginww wrote:

    @michaelroe, Real Estate Mutual Funds are a good option there. Investing in "good" real estate without massive capital isn't going to be easy alone.

  • Report this Comment On May 02, 2009, at 1:48 PM, prginww wrote:

    @outattime, a Brokerage Account is going to give you options... easy tracking tools online, many funds to buy through them at very low costs along with almost any other fund with some fees, direct stock purchases. If you know which fund you want money in, and do not plan to change it soon or need the swank online tools... then just buy directly.

  • Report this Comment On May 02, 2009, at 2:27 PM, prginww wrote:

    Schwab has several index funds with a $100 minimum and $1 additional:


    Fees are high for index funds

    Look out for transaction fees

    (Ex: E*Trade doesn't charge you a fee for using SWDIX, but does for SWINX and SWLBX)

    Their performance is generally in the middle of the pack.


    Easy way to invest spare change after ETF investment

    Nice "gateway" funds - Place to store cash until transaction costs are below whatever limit you've set. (1% myself)

  • Report this Comment On May 02, 2009, at 2:36 PM, prginww wrote:

    @ Icallshotgun

    Advice from a 24 year old:

    Make sure you've got the short term covered first. 6 month reserve in fixed income, 5 years of expenses that won't come from wages, etc. No debt whatsoever.

    A couple grand is barely enough to cover a month's living expenses in Texas... I doubt it even covers a month in California.

    @ michaelroe

    See VNQ. Real estate has fallen 20% more than the stock market.

  • Report this Comment On June 05, 2009, at 4:00 PM, prginww wrote:

    Great advice Kamuirei! Yes, having no debt and 6 months savings is a must. I would like to add, keep your life simple. I know people who make 3x the amount I do and cannot afford even a 100 a month to invest, too busy buying the latest gadget and shopping all the time. You would do yourself a huge favor in life, by living below you means and really learning to enjoy the simple things in life:-) just my 2cents;-)

  • Report this Comment On June 12, 2009, at 1:49 AM, prginww wrote:

    I don't recall a time in my life when I've ever had no debt and 6 months of savings. Who are these people? Do they exist?

  • Report this Comment On June 12, 2009, at 2:10 AM, prginww wrote:

    I disagree with the $20 remark. It will not be worth to it invest $20. After your trading fee you come out with like 2-3 shares? And you expect DRIP to improve that? You'd have to hit a multibagger just to make it worth the fee to sell. $100 would be my absolute minimum, and then, only if you can let it sit there for a long, long time.

    Also, wow this is an old article. But it's a good one, I was in a very similar position once, I wish I'd found this article back then.

  • Report this Comment On June 12, 2009, at 2:39 AM, prginww wrote:

    My personal opinion: if you have only $20, invest it in a couple of beers in a good bar where they play nice music. It's much better for your mental health than spending $20 worth of your time every year reporting your 60 cent DRIP dividend on the 1099 DIV form.

  • Report this Comment On August 19, 2009, at 9:02 AM, prginww wrote:

    I have $3000 to invest. I am 20 years old and have no idea where to BEGIN. What would produce the largest ROI?

  • Report this Comment On August 19, 2009, at 8:13 PM, prginww wrote:

    Hi Lovvelee,

    With $3000.00 and your age I suggest you put it in money market account for two months. In late Nov. invest $1500 on Russell 2000 and 1500 on QQQQ. Don't touch it until retirement.


  • Report this Comment On August 26, 2009, at 7:48 PM, prginww wrote:

    hello, to ALL

    I am a 37 year old father of 5 and i lost my job.

    With this i now have was is left of my 401k and I don"t know what to do with it. I desperately need some guidance.


  • Report this Comment On September 09, 2009, at 2:01 PM, prginww wrote:

    I want to buy a house in about six months. I have a little money coming my way and I'd like to put it away for six months where I know I won't dip into it. Is there any 6-month investment worth putting about $1,200 to $1,500 into to just sit and earn some interest?

  • Report this Comment On September 15, 2009, at 10:25 AM, prginww wrote:

    Friends.. like other a gambler myself. I started with 10K in December.. and have 20+K in my brokerage account now. All the stocks in my CAPS are my real play.. and most of them are under $10. Hence, if you are looking for stock ideas.. check my caps. My return has been 57% so far.

    NOTE: Please do your own research before you put your money in them :)

  • Report this Comment On October 14, 2009, at 12:43 PM, prginww wrote:

    I really need you to help me with a question.... How can i invest from another country or i want to invest my money but i do not know how to do it.

  • Report this Comment On December 16, 2009, at 7:13 AM, prginww wrote:

    In response to user lovvelee. If you want an extremely high return on your money. While keeping the risk fairly low. I would recommend sports betting. Now a lot of you are thinking. That is a crazy thing to invest in. But when you educate yourself on it, you will realize that it is one of the smartest investments to make an unbeliveable roi in. Nevertheless educate yourself on that and follow someone online who has achieved success with it. Good luck. Sincerly alfred kelley, 19 yr old sports bettor, actor, comedian- houston,tx

  • Report this Comment On December 20, 2009, at 6:44 PM, prginww wrote:

    I'm 15 and can safely invest a couple $1000 but im just going to start with about $250 to see how it works out any tips?

  • Report this Comment On December 22, 2009, at 8:18 PM, prginww wrote:

    Hi. I'm 23 years old and I'm trying to learn about investing. Honestly, when I get a pay check...I eat my money up and then the next thing I know I'm broke. Right now I'm trying to figure out how I can invest my money and make it grow every month or every year.

    What are some things that I can invest in? Please give me a list of example of the things that I can invest in. How do you start investing. I read you have to buy the stocks from the company? So how do I do that? Do I need to get in contact with the company and negogiate something.

    And how do my money grow when I buy stocks or shares from a company?

  • Report this Comment On December 22, 2009, at 8:24 PM, prginww wrote:

    So lets say I have over $400 cashed away in my savings account and I want to invest my money so it can grow....could I invest my in Reebock shoes? If so how do I do that?

    I'm trying to learn about all of this...because this all new to me and confusing me just a little :)

  • Report this Comment On January 18, 2010, at 6:40 PM, prginww wrote:

    II am 57, I have a small IRA $11,000, and just sold a floundering business, so I have a little money to invest. I do not understand investing at all, and would like some suggestions. I have found a 5 yr cd paying 3.25% and thought I should do that to play it safe?

  • Report this Comment On March 19, 2010, at 4:00 PM, prginww wrote:

    I didn't know much either 20 years ago when my folks gave me some tax free payments. I bought a fool newsletter on mutual funds. I think Vanguard is the best company as they have the lowest fee, you can go right to them. I like blended funds that take in stocks and bonds, you usually get a bigger dividend and have it reinvested. Their STAR fund is great it covers the world yet 50% + is based in North America but you get europe asia as well. It's called a blended fung for this fact, 60% is stocks and 40% bonds, Bonds are a steadier growth so the fund won't rocket up and down as much, Or get an index fund. Be safe don't play a crap shoot.

    A broker while you do have to pay them at teh end of the year you get summaries and package for the taxman all figured out. Buying individually on your own you're going to have to carry and store all the trading info with you for years until you sell and have tp do your own math and I would just explode with paper files.

  • Report this Comment On April 22, 2010, at 11:24 PM, prginww wrote:

    I was in a car accident and am about to get a settlement, I want to spend only a portion of it...$10,000-$15,000 but I dont know how to invest it. I want something simple, but high interest rates. I would prefer something that cannot be touched for at least 5 years and something I can trust. Please help!

  • Report this Comment On June 10, 2010, at 9:52 AM, prginww wrote:

    How can invest $12500?

  • Report this Comment On July 29, 2010, at 2:44 PM, prginww wrote:

    We want to start investment portfolios for our grandkids...who are over 18. We planned on investing $500 for the 1st grandson, with our local Charles Schwab where we have had our accounts for years. They will not accept anything under $1,000 to start an account. Don't they want young investors? Do you have any ideas?

  • Report this Comment On November 20, 2010, at 3:00 PM, prginww wrote:

    @ truthisntstupid

    ohhh.... any chance for an extended list of reading material titles please... :)

  • Report this Comment On January 23, 2011, at 1:53 AM, prginww wrote:

    Hi everybody, I'm 30 years old and I want to start investing my money...I have an extra $5,000 that I don't need and I can put an extra $100 each month in my inversions....Can somebody tell me what to do and where to start???? Thanks!!!

  • Report this Comment On January 23, 2011, at 10:31 AM, prginww wrote:

    @angelpr29 Hold off on spending that $5K for a few days and get some learning in.

    First: read the 13 Steps guide (How To Invest -> 13 Steps)

    Second: pick up the Fools books (owners/operators of this site). They are available on Amazon and likely at whatever bookstore is near you. Purchase at least "The Motley Fool Investment Guide" and "The Motley Fool Million Dollar Portfolio."

    Third: actually read the books. They do you no good if they're just sitting on the shelf. Don't be afraid to re-read them once or twice a year.

    Fourth: spend the next month working with a "fake" portfolio (Google/GMail have a good tracker) to get a feel for things before you actually put money on the line.

    Fifth: now that you've spent the last 4-8 weeks studying and learning and making mistakes with fake money, open a brokerage account and start trading. Adhere to the Fool's principles and you should do well.

    One thing to consider is the "Hidden Gems" premium service. $5K invested in Google or Amazon isn't that same as $5K invested in small companies with massive room for growth.

    Hopefully this helps.

  • Report this Comment On February 23, 2011, at 3:07 AM, prginww wrote:

    I've spent most of my life out of the country with my parents. I am back in here with a little money for investment. Knowledge in the business is zero. any suggestions on how I can invest and/or other sites I can educate myself.


  • Report this Comment On February 26, 2011, at 12:25 AM, prginww wrote:

    I have $250 I am trying to figure to invest in a diverfied portfolio. Anybody, can suggest, in aggresive investment.

  • Report this Comment On March 01, 2011, at 3:37 PM, prginww wrote:

    I started a "fake" portfolio or two about 8 years ago. Just testing the water. One portfolio is at 150% the other at 47% above the initial "investment". I feel ready to jump in. I have 6 friends who want to get in on an investment group. Where to begin???? Also, is there any resource for finding out which public companies will allow you to directly buy their stocks?

  • Report this Comment On March 10, 2011, at 8:21 PM, prginww wrote:

    nnah chill this is a very useful website

  • Report this Comment On March 30, 2011, at 3:24 PM, prginww wrote:

    i am new to the world of investments so i would like for some advise, because i am not the shapest tool here so bear with me.i would like to invest but has no idea as to what to do i have some money that i would like to put to some use and to earn so interest on so i need help.

    first i should say that i have $110can dollars how much can i start with and where can i invest, next much is the return,and when can i start withdraw from this investment. i would love it if i can get so help please.

  • Report this Comment On April 09, 2011, at 4:30 AM, prginww wrote:

    Right now I like the ING's Sharebuilder. portfolio builder is quick and easy the fee is affordable I'm on a fixed income. you can invest as little as $25 or as much as you can afford great tax tools, research, and tracking. I haven't seen much growth yet but I have a more conservative approach. hell anything is better than what the banks are offering.

  • Report this Comment On April 24, 2011, at 1:56 PM, prginww wrote:


    the most money you invest lest risk to fail.. having a back up invest wich secondary invest with no risk! get less profit secure money thats what a call godfathers help or personal back up

  • Report this Comment On April 24, 2011, at 2:07 PM, prginww wrote:

    And all "PPP UGT SSl x(SR+C)=less money whatever inecesary" NOTE Not using real terms doesn't exist

  • Report this Comment On May 04, 2011, at 1:21 PM, prginww wrote:

    We just received payment from the sale of home that belonged to four syblings. How can I invest the money to avoid paying taxes?

  • Report this Comment On May 10, 2011, at 10:08 PM, prginww wrote:

    I'm a 21 year-old and have $150,000 to invest.

    I will be graduating from a top-tier university in two years so I have very high risk tolerance with my capital.

    Any suggestions?

  • Report this Comment On June 20, 2011, at 11:48 AM, prginww wrote:


    I found Motley Fool is very useful site to get updated info, thank you!

    I invest in stocks, property, and interested about alternative finance.

    Lots of interesting investment info I get from Motley Fool.

  • Report this Comment On June 26, 2011, at 10:43 AM, prginww wrote:

    How cool that I found this site, here are the necessary and important tips on investing

  • Report this Comment On July 12, 2011, at 8:47 AM, prginww wrote:

    Is your secrets fundamental trading or technical trading?

  • Report this Comment On July 30, 2011, at 12:19 PM, prginww wrote:

    Hello all I am new to this. My questions are:

    How do I buy a share/stock?

    What is recommended as a good read on how to learn to trade?

  • Report this Comment On September 07, 2011, at 11:06 PM, prginww wrote:

    Can we get some mods in this thread? The 5 previous posts before mine all have spam links that nobody in their right mind would click on.

  • Report this Comment On September 07, 2011, at 11:30 PM, prginww wrote:

    Guess im not in my right mind because I clicked on the "imnotbroke" link like a Fool! Just some bogus site.

  • Report this Comment On September 08, 2011, at 11:04 AM, prginww wrote:

    Happens to the best of us, Jay. Though on the upside, it looks like the Fool moderators removed those 5 spam posts in less than a day.

  • Report this Comment On November 09, 2011, at 10:47 PM, prginww wrote:

    I'm an 8th grader going to school at GAA, and my teacher and I are doing a personal project where he outs down $50 and my dad puts down $50 and i choose the company to invest in. Well I need help so I figured this was the place to get it. Please resond quickly, I don't have too much time.

  • Report this Comment On November 16, 2011, at 4:45 PM, prginww wrote:

    Hi, i am a college student with a part time job. I'm 19 and i would really like to start investing, i should be able to save 50 dollars a month. should i just hang onto it until i have $2000 and invest in an index fund, or buy stocks at low prices? Also, do you need a credit card/debit card for investing or just a certain type of account opened at a bank?

  • Report this Comment On November 20, 2011, at 12:39 AM, prginww wrote:

    ok so here is my deal...m 17 in high school i dont have much money around lik 500 or 600 to spare on stupid stuff nd i been planning to invest it ...any help on where to begin nd how to start

    am i even eligible too invest at this age right now

  • Report this Comment On August 20, 2012, at 8:51 AM, prginww wrote:

    Buy as many shares of Sprint. Research; do ur HW. You're welcome. FYI, I trade via Zecco/Tradeking. S's Q3 earnings to be released morning of Oct. 12ish, 2012.... Aloha!

  • Report this Comment On October 14, 2012, at 8:43 AM, prginww wrote:

    Yes it's hard to find the money to invest, so what I did was pooled a group of friends together and started an investment club. Started at $30 a month between 7 guys. It was a quick and easy way to get started.

  • Report this Comment On November 20, 2012, at 7:39 AM, prginww wrote:


    I'm a Filipino citizen, does not know anything about investing into shares/stocks from companies. I have an extra money to invest about $5000 and can put in around $500 every month. Can I invest in american companies? If I can invest where can I go or who I can contact? Planning to invest the money for a term of 5 to 10 years.

    Any informations is greatly appreciated.

  • Report this Comment On December 29, 2012, at 12:55 PM, prginww wrote:

    Hello, I am new to the world of stockmarkets, the only stock I have been in is cattle just wishing to get some insight as to how ,&which brokerage ?

  • Report this Comment On March 06, 2013, at 11:05 PM, prginww wrote:

    I am 25, and a full time student. I have $2500 do you think it would be a wise choic

    e to invest in MGT

  • Report this Comment On March 13, 2013, at 12:42 PM, prginww wrote:


    My husband and I are 54 and 63 years of age. We have several thousand $ in savings and some 401k combined. Unfortunately not enough to retire anytime soon. What is the best way to invest with the quickest returns (not sure of the proper lingo)

    Neither of us are familiar with the investment world.

    Thanks, kcup

  • Report this Comment On March 19, 2013, at 1:58 PM, prginww wrote:

    I would like to invest in Dassault and/or the othe two companies you mentioned in your video and report. I have a very small budget. $150. Can I do this? How should I proceeed?

  • Report this Comment On March 19, 2013, at 11:55 PM, prginww wrote:

    Im a 20 year old and wanting to put in 300 a month.

    Where and What do i need to do?

    Can somebody help me out here and give me some ides?

    Im looking to retire in 20 or 25 years how can i put money?

  • Report this Comment On April 30, 2013, at 4:55 PM, prginww wrote:


    I read earlier about a couple in a similar situation as my husband and myself. He will be 63 this year and I am 55. We have a retirement account through his work but not enough money to actually retire and live on for very long. We also have some money that is being taken care of by our "financial guy" BUT I have some extra cash that I would like to invest in something that has a potential to surprise my hubby in a few years. Where do I start?

  • Report this Comment On May 08, 2013, at 6:51 PM, prginww wrote:

    Hi All,

    I've managed to save $50k. I'd like to double this in the next 12 months, any tips on how I could do this with as little risk as possible?

    Thanks in advance folks :o)

  • Report this Comment On June 12, 2013, at 10:42 AM, prginww wrote:

    Jeez people this is embarassing. The article clearly answers a lot of these questions I'm seeing. Take some time and do some reasearch. This website is very useful for self educating. Visit other websites, like investopedia, and learn as much as you can there. Read the news articles posted here and on other financial news sites. Buy a book or two.

  • Report this Comment On July 05, 2013, at 5:50 PM, prginww wrote:

    I can invest on average $500 per month. At age 62 (my age) how should I go about investing this money? Do I need a broker? Where should I start? Please help.

  • Report this Comment On July 25, 2013, at 2:37 PM, prginww wrote:

    A lot of people seem lost here.

    Look into trust deed investing. This has been providing me with safe, secure, high returns for nearly 10 years now. It is amazing to me how this are is often overlooked.

    Two great firms to look at are Ampez Rehab Investments and The Norris Group.

  • Report this Comment On July 28, 2013, at 12:36 AM, prginww wrote:

    can someone help me to under the minimum stock one can buy. I also need confirmation of share price quote e.g. LNKD is USD203.50 which mean I need to pay USD208.50 to own 1 shares?

  • Report this Comment On July 30, 2013, at 11:49 PM, prginww wrote:

    Hello everyone

    I have $500.00 today to start investing with . I`m not sure what to do here, first, do I need to open up a broker account with E-trade or Scottrade or one of those broker firms. I feel lost, but most of all I feel real dumb here on not knowing what to do. I`m 58 yrs old and need to get started.

    Any help will be a great comfort.


  • Report this Comment On August 02, 2013, at 3:38 PM, prginww wrote:

    I have 2 daughters in medical school, and am trying to help them out by having money when they graduate in 5 years to help pay off loans. I have $2,000 to invest. Where should I invest it?

  • Report this Comment On August 19, 2013, at 3:39 PM, prginww wrote:


    I am pakistani man age 19 year i am reading to school i am poor man

  • Report this Comment On August 21, 2013, at 10:33 PM, prginww wrote:

    I'm a lot confused about stocks , I know I really want to invest about 500$ -to 1,000 I need a better understanding of it

  • Report this Comment On January 27, 2014, at 4:03 PM, prginww wrote:

    this is the way to go today,no more BF&FI...

  • Report this Comment On July 14, 2014, at 8:54 PM, prginww wrote:

    How do I start a fake portfolio? I want to learn before I jump into reality!

  • Report this Comment On September 18, 2014, at 4:45 PM, prginww wrote:


    I am 46 yrs. old and have $1,500 to invest.

    What would be the best way to get started at this time in my life? Is to late to make a retiement plan work?

  • Report this Comment On October 20, 2014, at 1:07 AM, prginww wrote:

    I have $4000.00 how should I start that off? And if anyone wants to group up let me know.

  • Report this Comment On October 23, 2014, at 11:35 AM, prginww wrote:

    I will be 58 in December '14. I am still working full time and I have just over 100K in 401k, 55k in current stock value and another 10k in annuity. Don't expect to retire a millionaire but would hope it can be better than what it looks like now.

    Where do I go from here?

  • Report this Comment On October 23, 2014, at 1:34 PM, prginww wrote:

    My health isn't so good, so if something should happen to me, would my daughter (benificary in my will) be able to continue trading, or cash in my stocks?

  • Report this Comment On October 26, 2014, at 3:42 AM, prginww wrote:

    So I want to know if I got 1000 dollars to invest in how would I do that and do I really need a shareholder account? I was thinking about investing in IPO'S is that a good idea?

  • Report this Comment On December 01, 2014, at 4:44 PM, prginww wrote:

    Rich3124, if you are looking to retire soon I wouldn't look at doing anything drastic. Think about how devastating it would be to loose what you have already earned. If you do not want to retire on what you have perhaps it would be best to work a few extra years until you have the money you desire.

  • Report this Comment On December 01, 2014, at 4:57 PM, prginww wrote:

    wkahn83, here is a good article to read on IPOs:

    I would suggest setting up an account with TD Ameritrade, Fidelity, or Charles Schwab. They all are require $1,000 or less to start and they all have a good selection of free ETF funds.

  • Report this Comment On December 10, 2014, at 11:29 AM, prginww wrote:

    I am a new member. I have $100K sitting in a bank account collecting dust and I need to invest it. The question is what stocks and when.

    This money is seperate from my 401K and is taxable.

    I have a dormant e-trade account and could by stocks thru them.

  • Report this Comment On December 24, 2014, at 9:33 AM, prginww wrote:

    I know the biggest investor - David Lichtenstein (see: He was able to invest billions into one of the biggest hotel chains in the US.

  • Report this Comment On December 30, 2014, at 4:16 PM, prginww wrote:

    Do all of you realize you are posting questions about how to invest your money to other people who don't have a clue either? This is like the blind leading the blind here!

  • Report this Comment On February 18, 2015, at 4:15 AM, prginww wrote:

    Hi, has anyone tried DRIPS?. it says it's the best way to start investing if you just have a few bucks to invest. I would like to know if anyone has got any experience with this. Thanks.

  • Report this Comment On February 18, 2015, at 6:07 PM, prginww wrote:

    I just want you to invest for me. I am the one with part of my frontal lobe missing from my brain and I suffered from low oxygen to my brain. Thank You!!!

  • Report this Comment On February 25, 2015, at 1:59 PM, prginww wrote:

    I am 69 years young. All my assets are tied up in IRAs: I pay taxes on all withdrawals. I am fascinated and excited about the 'Rule Breakers' program. I want to begin with $1000 investment in a new TD Ameritrade account. I hope to be able to make 3 or four of these size investments this year. What are your suggestions for beginning this journey?

  • Report this Comment On March 05, 2015, at 2:19 PM, prginww wrote:

    I am a 58 year old prepper and converted a lot of my asset's into metals. Now I want to invest $1,000.00 into the internet of things. Are there any funds available and what would you recommend a single explosive and foolish stocks? Will the apple watch tank in the fool's opinion?

    Thanks you bunch of FOOL'S. I am now legitimately a FOOL and very proud to be here!

  • Report this Comment On April 20, 2015, at 4:53 AM, prginww wrote:

    Hello. I am an Australian living in Taiwan. I am here permanently. The brokers suggested by Motley do not seem to work for people overseas - or outside America.

    Does anyone know of a trader for international trades, a trader I can use on the American market so that I can follow Motley Food advice. The broker must be reliable, honest and have reasonably low fees. I hope you can help me. I feel a little lost over here!!!!

  • Report this Comment On April 29, 2015, at 6:24 AM, prginww wrote:

    Hi, I am a new investor I have $5000 that I would like to invest aggressively, can you tell me what are some different types of funds that I should look at . I will also be adding $1000 a month to this.

  • Report this Comment On May 06, 2015, at 6:44 AM, prginww wrote:

    NEW to Investing .. Your article on Investing $20.00 is Not much help ... where do I go 2 from here

  • Report this Comment On July 25, 2015, at 7:52 PM, prginww wrote:

    I am 48 and I recently came into 2.75m and I want it to last. I have only paid off all my bills. And I want to invest it. Is real estate the best return as I see it I can build rental property anywhere in the US and have a huge monthly income with the initial investment tied up in the property is this advisable?

  • Report this Comment On July 27, 2015, at 7:37 PM, prginww wrote:

    Hello. I'm just starting out with investing and I've got a few questions:

    1) With investing in index funds using IRAs, how does someone go about it?

    In the article it says regarding IRAs in respect to index funds, "After your initial investment, you can add as much money as you like, as frequently as you like, with no additional costs or commissions. You purchase index funds directly from mutual fund companies, so there are no commissions to pay to a middleman."

    Does anyone have experience in dealing with this?

    2) Do DRPs and DSPs require investments to be recurring or can they be one-time?

    3) When it comes to investing in a single stock (since I'm just beginning), what stipulations come along with that? Does it vary with each company whether you are required to continually invest throughout time, or are investors allowed one-time transactions?

    Thank you to anyone who can help me out, and best wishes for everyone's undertakings!


  • Report this Comment On July 31, 2015, at 2:59 PM, prginww wrote:

    Hi, I am a new Fool. I just learned a lot from reading all your posts. Thanks.

    Does anyone know where to get a list of the corporations that offer Drips?

    I love the idea of not paying a broker and buying directly from the corporations. I am not a fan of paying others to do what I can do myself.

    Good fortune be with you : )

  • Report this Comment On November 22, 2015, at 7:38 AM, prginww wrote:

    I agree with a past comment on wanting to by pass paying the broker when I can do it myself.

    How do I get started?

  • Report this Comment On November 22, 2015, at 7:48 AM, prginww wrote:

    Is Waddell & Reed one of your brokers?

  • Report this Comment On December 15, 2015, at 3:20 PM, prginww wrote:

    Is it possible to set up a Custodian account for a new born child. My child is a citizen of United states by birth, but I am not. I will be happy if you can point me the direction of an online brokerage service that can assist with this. I plan on starting off with $5K.

  • Report this Comment On January 04, 2016, at 12:12 PM, prginww wrote:

    Hello, everyone. I am new to The Fool - and fairly new (again) to investing. I did some investing when I was younger - however, I put most of my money in my business - which is how I learned that was a bad idea when my largest client filed for bankruptcy - my business when with them - so did my savings. Other issues and excuses filled my life - and bad decisions kept me from doing the right thing. I am now sixty-one with ZERO set aside for retirement - and on disability due to major back deficiencies. Between the intelligent people here, and "The Fool" among other investment opportunities - I hope to grow a small nest egg - along with my wife who has intelligently been saving all her life. I simply want to support my family - constructive advice is always welcome! An old Fossil . . . who shuda known better.

  • Report this Comment On March 02, 2016, at 6:26 PM, prginww wrote:

    I see most of the people here don't know how to invest your money. If you didn't know there is a website, called Udemy, which has courses in them which will tell you how to invest your money.

  • Report this Comment On March 27, 2016, at 10:04 PM, prginww wrote:

    I am a 46 year old out of work hair stylist. who is on dissability. I can fit $50 a month in my budget starting April 2016 because i will be working part time. Is there a program custom for me. I need to start saving right away.

    Please Help


  • Report this Comment On June 02, 2016, at 5:04 AM, prginww wrote:

    As for me, the best way to invest your money is forex trading -

  • Report this Comment On June 02, 2016, at 5:59 AM, prginww wrote:

    I'm agree with MihaelYank, if you are good in trading money you should start with Forex)

    Important thing is to choose the right broker:

  • Report this Comment On August 24, 2016, at 1:58 PM, prginww wrote:

    I'm new investor not yet because I have not started it yet. I thought that this is only reserved for rich and educated. I'm hoping that by joining the Motley Fool I should be able to gain knowledge and advice on how to invest with little money. My goal is to provide educational fund for my children. I already started a monthly saving of $ 300 each of my two kids, but I thought that there's a better way by investing in stock.

  • Report this Comment On October 19, 2016, at 4:26 PM, prginww wrote:

    Good day to you all of you my name is Christopher Miles, I'm from USA, Texas, am very happy as am writing the testimony how i got my loan from this loan lender, i believe God has a plan for me, after i was been scammed of my money by many so called loan lenders, i was deceived and almost thought of taking my life, but God has a purpose for me, if you want to get a loan from any company you have to chose Mike Johnson Firm, when i was first started with him, i thought he was like the rest, and to my Greatest surprise i got the loan of $69,000.00 in my account and that was the Exact amount i applied for in his company, and you that is feeling that there no hope for you? is a lie because if you are interested in getting any type of loan, you can contact him via email, his email is:, God Bless you like he blessed me with Mr Mike Johnson by getting my loan after been falling in the hands of scams.


    Christopher Miles.

  • Report this Comment On October 23, 2016, at 2:21 PM, prginww wrote:

    Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) interest rate of 1.5% within 1 year to 50 years repayment duration period to any part of the world. We give out loans within the range of $1,000 to $700,000,000 USD. Our loans are well insured for maximum security is our priority.

    For application and more information send replies to the following E-mail address:

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