Ever feel like investing is only for people in suits who already have thousands saved up? Yeah, me too—until I discovered micro-investing.
Micro-investing is exactly what it sounds like: investing tiny amounts of money over time. Think of it as investing your spare change or a few dollars a week, instead of needing a big lump sum to get started. It’s perfect if you’re just starting out, or if the idea of the stock market seems a bit intimidating.
I’ve been micro-investing for over a year now, and honestly? It’s helped me build up an investment portfolio with almost zero effort. Here’s what I’ve learned—and why I think every young Aussie should at least know about it.
💡 What Is Micro-Investing?
Micro-investing is when you invest small amounts of money regularly—sometimes even just cents. It’s usually done through apps that automatically invest your money into diversified portfolios (like ETFs), so you don’t have to pick stocks or understand the share market.
The best part? You can start with as little as $5.
🪙 How Does It Work?
Most micro-investing apps work in a few simple ways:
- Round-ups: Link your bank account, and the app will round up your everyday purchases to the nearest dollar and invest the spare change. E.g., Spend $3.60 → 40c gets invested.
- Recurring deposits: Set it to invest $10/week, $50/month—whatever suits your budget.
- Lump sum top-ups: Got a little extra one week? Throw in a bit more whenever you like.
Behind the scenes, that money is usually invested into exchange-traded funds (ETFs) that include shares, bonds, or other assets—so your money grows over time.
🌱 Why Micro-Investing Is Worth It
✅ Low barrier to entry – Start investing with less than the cost of lunch
✅ Automated – Set it up once and forget about it
✅ Great habit-builder – Makes investing part of your weekly routine
✅ Power of compounding – Small amounts can really grow over time
✅ Perfect for beginners – No need to know stocks or trading
⚠️ Things to Consider
While micro-investing is a great starting point, it’s not totally risk-free:
- Fees: Some apps charge monthly fees—even for small balances—so check what you’re paying.
- Market risk: Like all investing, your money can go up and down in value.
- Not a get-rich-quick thing: It’s best for long-term goals, not short-term cash.
But if you’re keen to start investing and build better money habits without feeling overwhelmed—this is such an easy win.
🧠 Final Thoughts
Micro-investing changed the way I think about money. It made investing feel accessible, doable, and honestly… kind of fun?
In the next post, I’ll share the app I personally use (hint: it’s Aussie, beginner-friendly, and does round-ups)—plus how it’s helped me build my portfolio with just a few dollars a week.
Stay tuned!
— N
🪙 N’s Money Corner | Aussie Money Tips
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