Investing on a Shoestring: Turning Pocket Change into Big Gains

Leigh Dunsford
Leigh Dunsford
Back to Top
Investing on a Shoestring

While having more money certainly opens up more opportunities, it's essential to know that investing revolves around something other than having a big pile of cash. 

In fact, there are various ways to start investing, even if you have a small amount of money upfront. Let's explore some creative ways to invest without requiring a hefty sum.

The Power of Micro-Investing

Micro-investing has gained popularity recently, allowing everyday Australians to invest small amounts of money into diversified portfolios. 

A recent YouGov report showed that 45% of people said that the ability to invest smaller amounts of money was the number one reason they got started with micro-investing. Conversely, 34% of young Australians said, "I don't know enough about investing" to get started.

For some providers, you can invest spare change from everyday transactions or even set automatic plans like $1 every day, week, or month. This means that you're investing without even thinking about it, and over time, these small contributions can grow into a significant sum.

Micro-investment providers like Nine25 that curate and shape investment options can take the guesswork out of investing and often come with themes like robotics, electric vehicles, health tech and more or simplify choosing ethical investments. 

Peer-to-Peer Lending

Peer-to-peer lending platforms connect borrowers with individuals willing to lend money for a return. As an investor, you can contribute small amounts to fund portions of loans. While this method carries some risk, it also provides the potential for higher returns than traditional savings accounts. Just research the platforms and diversify your investments to mitigate risk.


Robo-advisors are automated investment platforms that manage your investments based on risk tolerance and goals. They typically have lower fees compared to traditional financial advisors. Many robo-advisors have low minimum investment requirements, making them accessible to beginner to immediate investors with limited funds.

Education as an Investment

Investing in yourself through education can lead to increased earning potential and better financial opportunities in the long run. Learning new skills or obtaining certifications can open doors to higher-paying jobs or freelance opportunities. The money you invest in education could have a substantial return on investment over time.

Start a Side Hustle

Consider turning it into a side hustle if you have a talent or hobby. Whether graphic design, writing, tutoring, or crafting, you can use Etsy, Fiverr, or Upwork to monetize your skills. The income generated from your side hustle can then be channelled into investments. You can even set your payouts from these platforms to go directly to your investment accounts, removing the temptation to spend it.

Savings Automation

While not a traditional form of investment, automating your savings can indirectly lead to investment opportunities. Set up automatic transfers from your wages to a high-yield savings, fixed income or investment account. Over time, these accumulated funds can be used to invest more substantially. For example, you could move the interest earnings into your investment portfolios once a month if they get better returns than the savings accounts.

Investing without a pile of money is possible and an essential step toward building a more secure financial future. You can start your investment journey even with limited cash by leveraging micro-investing, peer-to-peer lending, robo-advisors, self-improvement, side hustling, and savings automation.

Consistency and patience are essential, as small contributions can compound into meaningful sums over time. 

Here's a challenge for you.

Find one person that didn't wish they had started investing earlier. In your thirty-year-old future, you will kick yourself that you didn't get started younger once you understand the power of long-term gains.

Nine25 Invest is launching soon. Start your investment journey with as little as $1. Get the app for free and be first.

Disclaimer: This information in this blog is prepared by Nine25 Pty Ltd (ACN 644 914 625, AR 001304871) (Nine25), who is an authorised representative of Cache Investment Management Ltd. Nine25 is not currently offering any financial product. Before making any financial decision, you should read the PDS & TMD available. Information is general information only. Investments carry risk.

YouGov report