How to Start Investing with Just £100 in 2025

How to Start Investing with Just £100 in 2025

I used to think investing was for rich folks with fat bank accounts—until I started with £100 and watched it grow. In 2025, you don’t need a fortune to get going; you just need a plan. Here’s how I’d start today if I were you, with practical steps and platforms that won’t break the bank. Let’s make your money work harder!

Pro Tip: Want more ways to grow your cash? Pop over to our Make Money category on Save Money UK Club.

Why £100 Is Enough to Start

You don’t need a big lump sum—small starts can snowball. With apps and low-cost options, £100 gets you in the game. Here’s the deal:

  • Low Barriers: Platforms let you invest pennies at a time.
  • Learning Curve: Start small, mess up less, and build confidence.
  • Compound Magic: Even £100 can grow over years.

How to Invest £100 in 2025

1. Open a Low-Cost Account

Pick a platform with no or tiny fees—I love Freetrade for its free trades. Sign up, link your bank, and you’re off.

2. Go for Fractional Shares

Can’t afford a whole share? No sweat. Buy a slice of big names like Apple or Amazon—Freetrade and Trading 212 make it easy.

3. Try an ETF

Spread your £100 across a basket of stocks with an ETF. I’d pick the “Vanguard FTSE 100”—solid and cheap to own (0.09% fee).

4. Set It and Forget It

Pop your £100 in, then add £20 a month if you can. Automate it through your app—watch it grow without lifting a finger.

My Top Platforms for £100 Investors

  • Freetrade: Free trades, fractional shares—perfect for starters.
  • Trading 212: No fees, great app, and a free practice mode.
  • InvestEngine: Low-cost ETFs with no trading fees—ideal for hands-off growth.

A Word of Caution

Investing’s not a get-rich-quick scheme—prices dip, and you could lose some cash. But over time, I’ve seen small pots turn into decent nests. Start slow, and don’t panic at the first wobble!

For more UK investing tricks, check our Deals category.

Frequently Asked Questions (FAQs)

Q: Can I really make money with £100?
A: Yup, it won’t make you a millionaire overnight, but it’s a solid start—think £150–£200 in a few years.

Q: What if I lose it all?
A: Stick to safe bets like ETFs, and you’re unlikely to lose everything—just don’t bet on one risky stock!

Q: How long before I see profits?
A: Give it 3–5 years for real growth—patience pays off.

Final Thoughts

Starting with £100 in 2025 is totally doable—I wish I’d known this sooner. Pick a platform, grab an ETF or fractional share, and let time do the heavy lifting. Here’s to your first step into investing—cheers to bigger wins ahead!

Happy growing!