Do you want to invest €100, but you don’t know where or how? Today, I’m going to show you the 5 best investments for €100: simple, profitable, and passive. You’ll see that it’s entirely possible to get off to a great start with €100 and do things right. People often think you have to be rich to invest. That’s not true!
With €100, you can lay the foundation for a solid financial future. Every euro you invest goes to work for you today and benefits from compound interest: your profits then generate more profits, creating a snowball effect. In this article, I’ll reveal the 5 best investments to make and show you the results you can expect to achieve.
1. Invest €100 in the stock market
The stock market is one of the most profitable, passive, and proven investments, with decades of history. It’s a must for growing your money over the long term. The simplest and most effective way to invest in the stock market is to use ETFs. An ETF is a diversified basket of stocks on the stock market, tradable like a stock. For example, when you buy a CAC 40 ETF, you become a shareholder in the fund holding the various CAC 40 stocks: LVMH, L’Oréal, Total, Airbus, etc. But that’s not all. You can go much further: ETFs allow you to diversify your portfolio globally and across all sectors.
With a Global ETF, you invest in the world’s 1,400 largest companies, such as Apple, Nvidia, Microsoft, Amazon, Meta, Tesla, Google, and more, spread across 23 developed countries, including the United States, Japan, the United Kingdom, Canada, France, Germany, and more. With a single stock market transaction, you gain exposure to 1,400 leading companies across all sectors and continents. This is the power of ETFs: massive, simple, and low-cost diversification. You don’t have to individually select your stocks on the stock market, which can be very risky and time-consuming.
Instead, ETFs operate automatically thanks to their self-cleaning feature: if a company underperforms, it is replaced by another growing company in the index. You don’t have to manage anything, nor do you need to follow the news and financial markets. Investing in ETFs is one of the best ways to invest in the stock market over the long term. Imagine that the vast majority of stock market professionals can’t do better than a simple ETF strategy: over 15 years, 92.59% of professional managers have done worse! It’s a strategy validated by decades of academic research and supported by the work of Nobel Prize winners in economics. If you had invested €100 per month for 30 years in an ETF tracking the MSCI World, you could have earned €164,718 by investing only €36,100 of your own money, or €128,618 in interest. With €100, you will not become a millionaire, but this investment will allow you to familiarize yourself with the world of the stock market and gradually advance.
To get started in the stock market, I recommend the PEA: the Share Savings Plan, a tax-advantaged package if you are a French tax resident. Otherwise, you can opt for a securities account. I recommend the Trade Republic securities account . Be careful, before you start, investing always carries a risk of capital loss. It is therefore essential to educate yourself and do your own research before you begin. To help you, I have created a free training course to teach you how to invest in the stock market with confidence, to give you all the necessary knowledge, to enrich yourself sustainably thanks to ETFs.
2. Real estate crowdfunding
With €100, you can finance concrete projects such as real estate transactions, construction, renovations, or purchase-resale transactions via real estate crowdfunding platforms. For example, on the La Première Brique platform, you can invest in various projects from €1. The average annual performance is between 8% and 12%, depending on the platform and projet. The average investment period is 12 to 36 months, making it a short – totomedium-termm investment. Concrete example: You invest €1,000 in a project offering an annual return of 10% over 12 months. At the end, you receive €1,100 (€1,000 capital + €100 interest).
You’re ultimately investing in real estate by acting as a bank and lending your money to real estate developers. I’ve personally invested around €37,000 in real estate crowdfunding.
Some good practices in real estate crowdfunding:
- Diversify : Don’t invest all your money in a single project or with a single developer. Spread your funds across several projects to limit risk.
- Choose the right platforms: favor platforms recognized and registered with the Financial Markets Authority (AMF ), such as Première Brique.
- Only invest what you can afford to lose. Don’t put your emergency savings there.
3. Invest in SCPIs
SCPIs, also known as “real estate investment trusts,” allow you to invest in real estate simply and passively without having to manage a property directly. They are ideal for generating regular income and diversifying your real estate assets, even on a limited budget.
An AnCPI is a company that raises funds from investors to purchase and manage a portfolio of real estate properties. These properties can be offices, shops, residences, or even hotels, located in France and abroad.
- You buy shares. As an investor, you become the owner of shares in that company.
- You receive rent: The rental income generated by the properties owned is redistributed to the partners in the form of quarterly or half-yearly dividends.
To get started, I recommend that you find out about the best-performing SCPIs and the holding methods suited to your objectives.
4. Cryptocurrency
Want to take a little more risk? With €100, you can invest in cryptocurrencies like Bitcoin or Ethereum. Cryptocurrencies have become one of the most popular investments in recent years. Today, more than 20,000 cryptocurrencies exist. I own Bitcoin with Trade Republic. Why Bitcoin and not another crypto? Simply because it’s the first cryptocurrency, it’s the one with the longest track record, created in 2008, which dominates the market with more than 50% of the capitalization .
5. Train yourself and invest in yourself
Investing €100 in books or training courses may seem less effective at first glance than a financial investment, but it is often one of the most profitable investments. Why? The knowledge acquired stays with you throughout your life and allows you to make informed financial decisions, thus maximizing your future returns. A good book or training course can transform your view of money, improve your skills, and help you avoid costly mistakes. Understanding investment principles before investing your money is essential to minimize risk.
Finally, here are 5 mistakes to avoid before you start investing your €100:
- 1. Be lured by unrealistic promises: Scams are common in investments, cryptocurrencies, and trading. Be wary of promises of quick riches, risk-free profits, and Telegram groups. If it sounds too good to be true, it probably is.
- 2. Not having a clear strategy: Investing without a clear goal is like navigating without a compass. Define your clear goal (save, generate income, learn), determine your investment horizon (short, medium, or long term), and consider the level of risk you are willing to take.
- 3. Lack of patience: Investing €100 won’t make you rich overnight. The key is consistency and discipline over the long term.
- 4. Neglecting to learn: Investing without understanding the basics can lead to costly mistakes. Learn first, invest later.
- 5. Always put it off until tomorrow: The best time to start investing was yesterday, the second best time is today, and the worst would be to wait until tomorrow. What matters is to put your money to work as early as possible to take advantage of compound interest. Many regret not having started sooner when they understood the power of investing.
If you are new to the stock market and investing, you can access my free training to learn how to invest wisely, create the right ETF portfolio, and build lasting wealth.
