It's entirely possible to start investing without a large investment. Here are a few approaches that can help:
1. Set your goals and budget
Goals: Clearly define what you want to accomplish. This could be saving for the future, buying an apartment, education, etc.
Budget: Determine how much you are willing to invest. Even small amounts can start working for you.
2- Learn the basics of investing
Financial Literacy: Familiarize yourself with basic concepts such as stocks, bonds, dividends, risks and returns.
Books and Resources: Read books on investing, such as Benjamin Graham's The Intelligent Investor or Napoleon Hill's Think and Grow Rich.
3. Choose the available instruments to invest in
Stock markets: You can start by buying stocks or ETFs (exchange traded funds). There are platforms that allow you to invest with minimal amounts, such as through fractional shares.
Investment apps: Many apps (e.g. Robinhood, VTB My Investments) allow you to start with small amounts and offer user-friendly interfaces for beginners.
Crowdinvesting: Platforms like Kickstarter or crowdfunding sites allow you to invest in startups or early stage projects.
Invest in savings instruments
Savings Accounts: Use high-yield savings accounts or certificates of deposit to start saving and growing your money.
Debt instruments: Consider bonds or fixed-income notes, which can be less risky than stocks.
5. Consider opportunities in cryptocurrencies
Cryptocurrencies: You can start with small amounts by buying well-known cryptocurrencies such as Bitcoin or Ethereum. However, remember that cryptocurrencies are high risk and volatile.
6. Create an investment plan
Long term vs short term investments: Determine whether you want to invest for the long term or are looking for shorter term opportunities.
Diversification: Spread your investments across different assets to reduce risk.
Investing requires patience and regular analysis. By starting with small amounts, you can gain the experience and confidence to increase your investments over time and make more sophisticated investment decisions.