People tend to hesitate in investing money for a business even if they really want to or it’s their dream. Some thinks risking their little amount of money in their pocket isn’t worth it. But to tell you the truth when putting up a business, investing and risking are major requirements that you have to do. No one’s 100% sure if their business will grow in the industry. It’s a matter of risking. Many investors also started in a little amount, but with courage and determination, their dream came true. Investing money doesn’t require you to have a lot of pennies. Actually, you can simply invest, let’s say a $50 per month. It sounds like a little money, well it’s true but after year, you’ll get surprised with that you’ve earned. They secret in building wealth is developing good habits. Regularly putting money for your savings is just one. Here are some ways for you to start investing with little money:

1. The piggy bank

Saving money and investing are relatively tied up. Obviously, you cannot invest money without saving first. It’s not difficult to save money, you can always start in small steps. If you’ve never tried saving before, you can start by putting away at least $10-$15 per week. Looks very little but after a year, you’ll be surprised of what you’ve saved. Try putting it on an empty jar. You can also design and label your jar, be creative. If you don’t have an empty jar, you can also put it on an envelope, shoebox or anything that can be closed. As time goes by, you can increase the amount you’re putting in every week.

2. The techie-way

Roboadvisors can help you in investing! If you haven’t heard it before, Roboadviser were created to make investing as simple and accessible as possible. There’s no investment experience required, and the set-up is very easy. This platform automatically track your investments in the background and pay lower fees in the process.

One of the famous and recommendable roboadviser is Wealthfront. The fees are totally reasonable at 0.25%, but it gets more exciting because you can get your first $5,000 managed free.

3. The retirement plan in your job

Being in a tight budget is inevitable sometimes. With the electric bills and monthly dues in your house, it’s totally understandable. The simplest step of enrolling in your 401(k) or other employer retirement plan may seem beyond your reach. But there is always a way! You can begin investing in an employer-sponsored retirement plan with amounts that are so small you won’t even notice them.

Blooom is one great example of a platform tool for hands-off investment management of your 401(k). The said platform can offer you a free 401(k) analysis, telling you where and how they can optimize your investments. If you’re finally decided to use their services, you’ll be charged a reasonable amount of $10 per month. Not bad right?

4. The Low-Initial-Investment Mutual Funds

Mutual funds are investment securities that allow you to invest in a portfolio of stocks and bonds with a single transaction, making them perfect for new investors. The cons here is that there are some mutual fund companies that require initial minimum investments of between $500 and $5,000. If you’re a first timer investor with little money to invest, those minimums are obviously unreachable.

5. Treasury securities

To be honest, you’ll never get rich with these securities, BUT it is an excellent place to park your money—and earn some interest until you are ready to go into higher risk/ higher return investment.