There isnβt one βbestβ cheapest investment, but there are several low-cost ways beginners can start making money with very little capital. Here are the top affordable options:
π° 1. High-Yield Savings or Fixed Deposits (FDs)
- Investment needed: $10β$100 (or local minimum)
- Risk: Very low
- Return: 3β7% yearly
- Good for total beginners who want zero risk.
π 2. Index Funds / ETFs (Stock Market)
- Investment needed: $10β$50
- Risk: Low to medium
- Return: 7β10% yearly on average
- Best for beginners who want to grow money over time without choosing stocks. Look for funds that track:
- S&P 500
- Nifty 50 (India)
- FTSE Global (UK)
π§ 3. Investing in Skills
- Investment needed: $0β$50 (or free via YouTube)
- Risk: None
- Return: Unlimited
- Skills like:
- Graphic design
- Coding
- Digital marketing
- Hair/makeup
- Cooking
- Selling online
β‘οΈ Skills can help you earn money faster than financial investments.
π» 4. Start a Micro Online Business
- Investment needed: $10β$50
- Examples:
- Selling products on Amazon/Meesho/Etsy
- Creating digital products (ebooks, templates, art)
- Affiliate marketing (promoting products for commission)
β‘οΈ You only need a smartphone/laptop + internet.
π 5. Peer-to-Peer Lending (P2P)
- Investment: $10β$20
- Return: 10β20% (but higher risk)
- You lend money to borrowers online and earn interest.
πͺ 6. Government Bonds / Treasury Bills
- Investment needed: $10β$100
- Risk: Extremely low (backed by government)
- Return: 5β8% per year
- Great for safe long-term growth.
β οΈ What to Avoid as a Beginner
β Crypto (high risk if you donβt understand it)
β Trading stocks daily (not investing)
β Get-rich-quick schemes
β MLM/scams promising guaranteed income
π Best Cheapest Investment Overall?
π Invest in a skill + Invest small in index funds.
This combo gives:
- Fast earning (from skills)
- Long-term growth (from investing)
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