{"id":139992,"date":"2018-10-11T15:02:45","date_gmt":"2018-10-11T14:02:45","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=139992"},"modified":"2024-10-15T10:46:22","modified_gmt":"2024-10-15T09:46:22","slug":"how-much-money-do-i-need-to-start-investing","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-guides\/how-much-money-do-i-need-to-start-investing","title":{"rendered":"How much money do you need to start investing?"},"content":{"rendered":"

Investing makes a lot of people think about high-earning bankers with tailored suits, briefcases and heavy watches, but these days, investing is so accessible that everyone can get involved, with options for just about every budget. A Finder survey in May 2020 found 33% of UK adults owned shares, up from 22% in 2018. Find out how much money you need to start investing, a little bit about fees and what you should consider before you start.<\/p>

How much do I need to start investing?<\/h3>

\u00a31. That\u2019s my final answer.<\/p>

A lot of investment providers have a minimum deposit of \u00a31, meaning that for less than the cost of a coffee, you can start investing. Some providers have a higher minimum deposit (and some can be extortionate for a beginner). There are a few things to consider, but this depends on whether you\u2019ve opted for ready-made investments or a DIY strategy.<\/p>

DIY<\/h4>

With a DIY provider, if you\u2019re investing anything less than \u00a3100 it\u2019s worth finding a provider that has a low (or no) minimum deposit and lets you invest in fractional shares<\/a>. This means that the deposit you\u2019re likely to make is more than the minimum amount and that you can still create a diverse portfolio from fractions of shares.<\/p>

Here are some of the providers you could go with:<\/p>
Platform<\/th>Minimum initial deposit<\/th>Fractional shares<\/th>Link to invest<\/th><\/tr><\/thead>
\"Freetrade<\/td>\u00a31<\/td>Yes<\/td>Invest now<\/a>Capital at risk<\/td><\/tr>
\"etoro<\/td>$10<\/td>Yes<\/td>Invest now<\/a> Capital at risk<\/td><\/tr><\/tbody><\/table>

Ready-made<\/h4>

With ready-made providers, the chances are you can get started with just \u00a31. As you\u2019re putting it into a ready-made portfolio, it\u2019s instantly diversified. You can either set up a direct debit to invest regularly, make one-off payments or choose a round-ups feature that uses Open Banking to round up purchases you make to the nearest pound.<\/p>

Here are the robo-advisors that let you start with less than \u00a310:<\/p>
Platform<\/th>Minimum initial deposit<\/th>Link to invest<\/th><\/tr><\/thead>
\"ii<\/td>\u00a30<\/td>Invest now<\/a>Capital at risk<\/td><\/tr>
\"HL<\/td>\u00a31<\/td>Invest now<\/a>Capital at risk<\/td><\/tr><\/tbody><\/table>
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\n \n \n <\/circle>\n <\/path>\n <\/svg>\n <\/span>\n Beware the investment fees<\/span>\n <\/h4>\n
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