What is the cheapest investment to make money for beginners?

There isn’t one “best” cheapest investment, but there are several low-cost ways beginners can start making money with very little capital. Here are the top affordable options:

💰 1. High-Yield Savings or Fixed Deposits (FDs)

• Investment needed: $10–$100 (or local minimum)
• Risk: Very low
• Return: 3–7% yearly
• Good for total beginners who want zero risk.

📈 2. Index Funds / ETFs (Stock Market)

• Investment needed: $10–$50
• Risk: Low to medium
• Return: 7–10% 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)

🧠 3. Investing in Skills

• Investment needed: $0–$50 (or free via YouTube)
• Risk: None
• Return: Unlimited
• Skills like:
  • Graphic design
  • Coding
  • Digital marketing
  • Hair/makeup
  • Cooking
  • Selling online

➡️ Skills can help you earn money faster than financial investments.

💻 4. Start a Micro Online Business

• Investment needed: $10–$50
• Examples:
  • Selling products on Amazon/Meesho/Etsy
  • Creating digital products (ebooks, templates, art)
  • Affiliate marketing (promoting products for commission)

➡️ You only need a smartphone/laptop + internet.

📚 5. Peer-to-Peer Lending (P2P)

• Investment: $10–$20
• Return: 10–20% (but higher risk)
• You lend money to borrowers online and earn interest.

🪙 6. Government Bonds / Treasury Bills

• Investment needed: $10–$100
• Risk: Extremely low (backed by government)
• Return: 5–8% per year
• Great for safe long-term growth.

⚠️ What to Avoid as a Beginner

❌ Crypto (high risk if you don’t understand it)
❌ Trading stocks daily (not investing)
❌ Get-rich-quick schemes
❌ MLM/scams promising guaranteed income

🏆 Best Cheapest Investment Overall?

👉 Invest in a skill + Invest small in index funds.
This combo gives:

• Fast earning (from skills)
• Long-term growth (from investing)