Investing on the Internet with Zero Capital: How to Get Started with Minimal Funds

11/27/20233 min read

Invest zero money
Invest zero money

Investing on the internet with zero capital might seem like a daunting task, but it's not impossible. In fact, there are several ways you can start investing with minimal funds. Let's explore some of these options below:

1. Micro-Investing Apps

One of the easiest ways to start investing with minimal funds is through micro-investing apps. These mobile apps have made it possible for individuals to invest even with very small amounts of money. Apps like Acorns, Stash, and Robinhood are popular choices for beginners.

Acorns, for example, allows you to invest your spare change by rounding up your purchases to the nearest dollar and investing the difference. This means that every time you make a purchase, Acorns will automatically invest the spare change for you. It's a simple and effortless way to start investing without even realizing it.

Stash is another micro-investing app that allows you to start with as little as $5. It offers a variety of investment options and allows you to invest in fractional shares. This means that you can buy a portion of a share, rather than a whole share, making it more affordable for those with limited funds.

Robinhood is a commission-free trading app that allows you to buy and sell stocks, ETFs, and cryptocurrencies without paying any fees. It's a great option for beginners who want to start investing in the stock market without incurring any additional costs.

2. Peer-to-Peer Lending

If you're looking for an alternative way to invest with minimal funds, peer-to-peer lending platforms can be a viable option. These platforms connect borrowers with lenders, allowing individuals to lend money to others and earn interest on their investment.

Platforms like LendingClub and Prosper allow you to invest in loans with as little as $25. You can choose the loans you want to invest in based on criteria such as credit score, loan purpose, and borrower information. The interest you earn on your investment can be reinvested or withdrawn, giving you the flexibility to grow your funds over time.

3. Dividend Reinvestment Plans (DRIPs)

Dividend Reinvestment Plans, also known as DRIPs, are a great way to start investing in dividend-paying stocks with minimal funds. DRIPs allow you to automatically reinvest your dividends to purchase additional shares of the same stock.

Many companies offer DRIPs, and some even allow you to purchase shares directly from them without going through a broker. This means that you can start investing in dividend-paying stocks with as little as the cost of a single share.

4. Crowdfunding

Crowdfunding has gained popularity in recent years as a way for individuals to invest in startups and small businesses. Platforms like Kickstarter and Indiegogo allow you to invest in projects you believe in with minimal funds.

While crowdfunding investments can be riskier than traditional investments, they also offer the potential for high returns. By investing in a project or business that you believe in, you not only have the opportunity to earn a profit but also to support something you're passionate about.

5. Robo-Advisors

Robo-advisors are online platforms that use algorithms to provide automated investment advice. They offer a low-cost and convenient way to start investing with minimal funds.

Platforms like Betterment and Wealthfront allow you to create a diversified portfolio based on your risk tolerance and investment goals. They automatically rebalance your portfolio and reinvest your dividends, making it easy for you to grow your funds over time.

While robo-advisors do charge fees, they are typically lower than traditional financial advisors, making them a cost-effective option for those with limited funds.


Investing on the internet with zero capital might seem like a challenge, but with the right strategies, it's possible to start investing with minimal funds. Micro-investing apps, peer-to-peer lending, dividend reinvestment plans, crowdfunding, and robo-advisors are all viable options for beginners.

Remember, investing is a long-term game, and it's important to do your research and diversify your investments to minimize risk. Start small, learn as you go, and gradually increase your investments as you become more comfortable and confident in your abilities.

So, what are you waiting for? Start investing today and take advantage of the opportunities the internet has to offer!