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In today's world, understanding how to invest with little money has become essential for those who aspire to build their wealth without an initial fortune. Thanks to the evolution of financial markets and the democratisation of access to investments, it is now possible to enter the world of investing with modest sums. However, this approach requires a well-thought-out strategy focused on diversification, the long term and the judicious use of financial instruments to maximise returns and minimise risk.

This article explores seven effective strategies for investing with little money, highlighting options such as the power of compound interest, investing in real estate investment trusts (REITs), crowdfunding, passbook savings, and the possibilities offered by the stock market with the use of ETFs, dollar cost averaging (DCA) for a securities account approach, as well as investments in cryptocurrencies. Each of these strategies promises a route to investment that yields monthly returns over the long term, offering diversified investment ideas suited to different risk tolerances and financial goals.

The power of compound interest

The concept of compound interest is fundamental to the investment strategy of those with limited resources. When people invest their money, they receive interest not only on the initial capital but also on the interest accumulated over time. This accumulation can transform modest amounts into considerable sums thanks to the 'snowball' effect of compound interest.

Concrete examples of the impact of compound interest

  1. Annual increase in interest:
  2. Long-term effect:
  3. Increasing returns over time:
    • The earlier an individual starts saving, the more they can benefit from the power of compound interest. Even with modest returns and small initial amounts, time compensates by gradually increasing the value of savings.

Significant advantages of compound interest

  • Comparison with Simple Interest:
    • An investment of 10 % over 10 years yields 100 % with simple interest, but with compound interest the return can reach 159.4 %, demonstrating exponential capital growth.
  • Impact of Costs on Returns:

These examples and advantages illustrate why compound interest is often described as the "eighth wonder of the world" and how it can play a decisive role in building wealth from small initial amounts.

Investing in SCPIs

What are SCPIs?

Sociétés Civiles de Placement Immobilier, or SCPIs, are investment vehicles that give private individuals and professionals access to the property market without having to buy and manage property directly. Known as "pierre-papier", this investment involves acquiring shares in a diversified portfolio of properties managed by professionals. Investors receive rental income proportional to the number of shares heldThis offers an attractive potential return.

Advantages and disadvantages


  1. Diversification and Risk Pooling SCPIs offer diversification by investing in different types of property in different regions, thereby reducing specific risks and providing relatively stable income.
  2. Delegated Management Investors benefit from professional asset management, which eliminates the need to manage properties and tenants, providing a passive investment experience.
  3. Accessibility : With shares often accessible from a few hundred eurosSCPIs enable a wider public to invest in property.


  1. Liquidity risk : SCPI units can be difficult to sell quickly, especially in times of crisis, which can pose problems if you urgently need cash.
  2. Fees Fees: Investors have to pay subscription, management and possibly sales fees, which can reduce the overall return on the investment.
  3. Risk of Capital Loss As with any property investment, there is a risk that market prices will fluctuate, which may affect the value of the units.

How do I invest in SCPIs?

There are several ways to invest in SCPIs, offering flexibility and options tailored to different investor profiles:

  1. Direct purchase Investors can buy units directly from the management companies or via asset management advisers.
  2. Buying on Credit Using a mortgage to buy shares gives you leverage, potentially increasing the return on your investment.
  3. Life insurance SCPI units can be included in a life insurance policy, offering tax benefits and simplified management.
  4. Temporary Stripping This option allows you to buy bare ownership or usufruct of shares for a set period, often at a reduced price.

These different SCPI investment methods allow investors to choose the option that best suits their financial objectives and risk tolerance.


Crowdfunding is an alternative form of financing that allows individuals or companies to raise funds from a large number of contributors, usually via online platforms.

Different methods of equity crowdfunding

There are several forms of crowdfunding, each adapted to different types of project and objectives:

  1. Unrequited donationContributors offer funds without expecting any material or financial return.
  2. RewardIn exchange for their contribution, donors receive products or services related to the project.
  3. LoanInvestors lend money and are repaid with or without interest, depending on the terms of the loan.
  4. Capital investmentContributors become shareholders in the company financed, thereby participating in its future success.

How do I get started?

To get started in crowdfunding, it is essential to prepare your campaign thoroughly:

  • Clearly defining the projectMake sure your project is well developed and ready to be presented to the public.
  • Choosing the right platformSelect a reliable platform that matches the nature of your project.
  • Preparing for the campaign: Plan a preparation period of 2 to 3 months to maximise the chances of success, by building a community around the project.
  • Campaign launch and managementActivate your network, use tools such as videos to communicate effectively and keep a close eye on the progress of the collection.

Risks and rewards

Crowdfunding offers many opportunities, but also entails risks that should not be overlooked:

  • Non-financing or non-delivery risksProjects may fail to meet their funding targets or deliver on promises made to contributors.
  • Risk of capital loss: Particularly in the case of capital investment, where fluctuations in the value of the company can adversely affect returns on investment.
  • Illiquidity: Securities obtained through crowdfunding can be difficult to sell, limiting the ability to recover the initial investment quickly.
  • Operational risks: Each project has its own challenges, which can affect its ultimate success and, consequently, the return on investment.

In conclusion, crowdfunding is a powerful tool for raising funds and testing market ideas, but it requires thorough preparation and a clear understanding of the risks involved.

Savings passbooks

Types of savings books

Livret savings accounts fall into two broad categories: regulated and unregulated. Regulated passbooks, such as the Livret A, the Livret de Développement Durable et Solidaire (LDDS), the Livret d'Épargne Populaire (LEP) and the Livret Jeune, are governed by the State, which sets the terms and conditions for their remuneration and operation. These passbooks offer the advantage of lower taxation, since interest is exempt from income tax and social security contributions. Unregulated passbooks, or bank passbooks, are set up by the banks, which are free to set the interest rate and may offer more attractive interest rates during certain promotional periods.

Advantages of savings books

Passbook savings accounts offer several key advantages. Firstly, they can be accessed with low initial deposits, often as little as €10, making them attractive to all types of saver. What's more, the funds deposited in these passbooks are available at any time, making them an excellent option for precautionary savings. Finally, the security of these investments is very high, with virtually no risk of capital loss, and deposits are guaranteed up to a certain amount in the event of bank failure.

What are the interest rates?

Savings passbook interest rates vary according to the type of passbook and the period. For regulated passbooks, the rate for the Livret A and LDDS is of 3% until January 2025. The LEP offers a higher rate, set at to 5% for the period from 1 February 2024 to 31 July 2024, because of its aim of supporting low-income households. Unregulated savings accounts may offer higher rates, particularly during promotions, but these rates are generally temporary and interest is subject to income tax and social security contributions.

Investing in the stock market with small amounts

Investing in the stock market with small amounts has become a reality accessible to all, thanks in particular to financial instruments such as ETFs, trackers, etc. fractional sharesand strategies such as Dollar Cost Averaging (DCA). These options allow you to enter the stock market and diversify your investment portfolio, even on a limited budget.

ETFs (trackers)

ETFs, or exchange-traded funds, make it possible to invest in a wide range of equities or other assets with a single transaction. They replicate the performance of a specific index, such as the S&P 500, offering instant diversification. ETF management fees are generally low, making this a cost-effective investment. In addition, ETF savings plans allow you to invest defined amounts on a regular basis, making it easier to accumulate wealth over the long term.

Fractional shares

Fractional shares represent part of a whole share and are an ideal solution for investors on a tight budget. They make it possible to invest in high-value companies without requiring the capital to buy a full share. This option opens the door to diversification and investment in specific sectors or companies with a low initial investment. Online trading platforms often offer the possibility of buying fractional shares, including in leading technology companies.

Regular investment strategies (DCA)

Dollar Cost Averaging is a strategy that involves investing a fixed amount at regular intervals, regardless of market fluctuations. This method reduces the impact of volatility and promotes long-term portfolio growth. By investing regularly, investors avoid the risk of putting all their capital at risk at once and benefit from rising prices over the long term. The DCA is particularly well suited to ETFs and individual shares, allowing small sums to be invested on a regular basis.

Investment strategyDescriptionBenefits
ETFs (trackers)Funds replicating the performance of an indexDiversification, low management costssimplicity
Fractional sharesShare of a whole shareAccess to high-value companies, diversification
DCA (Dollar Cost Averaging)Regular investment of a fixed amountReduced volatility risk, long-term growth

These strategies make investing in the stock market accessible and attractive to those starting out with small amounts. They offer the opportunity to build a diversified portfolio and participate in the growth of the stock market, while minimising the risks associated with investing.

Investing in cryptocurrencies

Why invest in cryptocurrencies?

Investing in cryptocurrencies offers unique opportunities not only in terms of potential financial gains but also technological innovation. Bitcoin, for example, has demonstrated an incredible rise in its valueIt is attracting interest from investors around the world. Ethereum, on the other hand, stands out for its platform that enables the development of smart contracts, adding a layer of utility beyond the simple digital currency.

Cryptocurrencies such as Bitcoin and Ethereum have also introduced concepts such as blockchain and staking, which are revolutionising the way transactions and data security are managed online. Staking, in particular, allows cryptocurrency holders to earn interest on their holdings, similar to a savings account but potentially with higher yields.

The best cryptos for beginners

For beginners, entering the world of cryptocurrencies can seem daunting due to the volatility and complexity of the market. However, cryptocurrencies such as Ethereum offer a gateway rich in possibilities thanks to its smart contract applications. Stablecoins, known for their relative stability compared to traditional cryptos, are another attractive option for novices. They act as a bridge between fiat currencies and cryptocurrencies, facilitating transactions and exchanges.

For those looking for lesser-known digital assets with growth potential, cryptos such as Polygon (MATIC) and Kaspa could be of interest. MATIC, for example, is popular for its scalability solutions for Ethereum and could offer good growth prospects.

Risks associated with cryptocurrencies

Despite the benefits, investing in cryptocurrencies comes with significant risks. Market volatility can lead to major price fluctuationsThis can affect the overall value of the investment. In addition, the risks of piracy and scams are prevalent in the cryptocurrency space. It is crucial to go through providers registered with the AMF and check blacklists to avoid malicious actors.

In addition, the loss of private keys can lead to the irreversible loss of cryptocurrencies, underlining the importance of securing the safekeeping of cryptoassets. Investors should also be aware of the risk of a speculative bubble, as the lure of high returns can often mask the underlying risks associated with these investments.

In conclusion, while cryptocurrencies can offer significant opportunities for gain, they require a cautious and well-informed approach to navigate this dynamic and often complex market effectively.


In this article, we have explored various strategies for investing effectively even on a small budget. Through compound interest, investments in SCPIs, participative financing, savings books, stock market shares, particularly with ETFs and fractional shares, as well as in cryptocurrencies, it has been clearly demonstrated that building your heritage is accessible to all. Despite their specific features and varying levels of risk, these approaches open the door to investment diversification and maximising the potential for long-term growth of the capital invested.

The key to success lies in the judicious selection of an investment strategy based on one's risk profile, financial objectives and ability to manage market fluctuations. The small-budget investment landscape is rich and diverse, offering a plethora of options for starting or continuing to build a lasting legacy. Prudence, research and careful strategic planning are essential for navigating this world of opportunities, and for making the right choices. transform small investments into significant wealth over time.


1. How can I make a quick return on an investment of €100?
If you want to see your €100 grow quickly, it's best to put it in a Livret A savings account. This type of regulated savings account offers a capital guarantee and allows quick and easy withdrawals by transferring the funds directly to your current account.

2. What are the best ways to invest €1,000?
There are several ways to invest your €1,000 effectively:

  • Open a savings account.
  • Investing on the stock market.
  • Participate in crowdlending.
  • Investing in a start-up.
  • Buy ETFs (Exchange Traded Funds).
  • Diversify your investment in different areas.

3. What options do I have for investing on a limited budget?
Even with a small budget, there are a number of investment opportunities available:

  • Buying a property to renovate.
  • Investing in rental property.
  • Buying shares in SCPIs (Sociétés Civiles de Placement Immobilier).
  • Opt for small-scale investments such as parking spaces, cellars or storage areas.

4. Which type of investment offers the fastest returns?
The equity market is generally considered to be the most profitable investment over the long term. With a sufficient investment horizon, the stock market offers superior returns, as confirmed by numerous studies.