4 Easy Ways You Can Invest $100 A Month

Richard Appiah
7 min readAug 15, 2021


Many people think that they need to have a lot of money before they can start investing and because of that they get discouraged and may never invest any money. Having a lot of money to invest can speed up your wealth accumulation process, but having little money should not be a limitation. Hence In this article, I’m going to share with you the 4 best ways to invest $100 a month.

Enhancing your retirement account commitment

If you just have $100 to invest every month, then one of the best ways to invest it is to feed your retirement account. The harsh reality is that most people do not have enough money saved for retirement, and one of the reasons is because they do not start saving early.

They don’t start saving early because they think they need to have a lot of money to start.

However, this is not true. You could start contributing to your retirement account with as low as $100. The main advantage of starting small is that it helps you to break the resistance of starting. Once you start investing no matter how little, you will find it easier to continue, the hardest part of investing is usually starting. Another advantage to starting with a small amount is that it allows you to start early.

The main factors that determine how much profit you make investing our time in the amount you invest. If you start investing early, you will make more profit than someone who started with the same amount but later. If you also invest a lot of money, your profit will be higher than someone who invested just a small amount. Investing as little as $100 a month will give you an advantage of time and will increase your overall returns. There are different ways you can contribute to your retirement account with just $100 per month.

You can invest $100 a month into your 401k retirement account. A 401k retirement account is a company-sponsored retirement account offered by your employer where you can contribute directly from your salary. A 401k retirement comes in two primary forms. There is the traditional 401k as well as the Roth 401k retirement account.

The traditional 401k has a tax advantage as the money in the traditional 401k is not taxed until you withdraw the money after retirement…