How To Invest Your First £100 (And Start Growing Your Money)
Let’s be honest — “start investing” has probably been sitting on your to-do list for months (or years). You know it’s important, but it can feel confusing, risky, or just… something future-you will figure out.
The truth? You don’t need thousands of pounds or a finance degree to begin. You can start investing with as little as £100 — and doing it today can make a real difference to your financial future.
This is your simple, no-jargon guide to getting started.
1. Why Investing Matters
Saving is essential for short-term goals and emergencies — but cash left sitting in the bank loses value over time due to inflation.
Investing, on the other hand, helps your money grow. It’s how your money starts working for you instead of the other way around.
Even small amounts invested regularly can snowball through compound growth — where your returns start earning their own returns.
Think of saving as safety and access. Think of investing as growth and freedom.
2. Are You Ready To Invest?
Before diving in, make sure your foundations are solid. You’re ready if:
High-interest debts are paid off or under control
You have an emergency fund (ideally 3–6 months of expenses)
You can leave your money invested for at least 5 years
You’re using spare cash — not money you’ll need soon
3. Choose the Right Platform & Account
You’ll need a home for your investments — called a platform or broker.
There are three main options:
🤖 Robo-advisers: Automated platforms that build and manage a portfolio for you (perfect for beginners).
📱 DIY platforms: Choose your own funds or ETFs and manage them yourself.
💬 Financial advisers: Offer personalised guidance and holistic planning.
Start with a Stocks & Shares ISA — it’s simple, flexible, and your returns grow tax-free (up to £20,000 a year) or a SIPP (Self-Invested Personal Pension).
4. What To Invest In With £100
Skip the complicated stock-picking.
Begin with a diversified fund — like a global index fund or a ready-made portfolio that spreads your money across hundreds of companies worldwide.
These are low-cost, low-stress, and ideal for learning the ropes.
🏁 Example: Invest £100 in a global tracker fund or through a robo-adviser. Then set up an automatic £25–£50 monthly top-up. Consistency beats perfection.
5. The Power of Starting Small
Starting small builds confidence and habits.
Even £100 can teach you how markets move, how platforms work, and how investing feels in real life.
Over time, small steps compound into big results — and more importantly, financial confidence.
Small steps build big change.
6. Your Next Step: Download the Free Vestpod Guide
Ready to begin?
We’ve created a free, step-by-step guide — “How To Make Your First £100 Investment” — that walks you through everything from setting goals to choosing your platform and building smart habits.
👉 Download your free guide here
(It’s designed for beginners, UK-friendly, and completely jargon-free.)
Final Thoughts
You don’t need to wait for the perfect time. The market will rise and fall, but time in the market beats timing the market — every single time.
So start with what you have, where you are, and watch your confidence grow.
Because investing isn’t about chasing quick wins — it’s about creating freedom, choice, and opportunity for your future self.
✨ You’ve got this.
