What is micro-investing?

How investing $1 can help build long-term habits for your financial future.

October 23, 2025

Micro-investing is a beginner-friendly way to start investing with small amounts of money. It’s designed to help you build consistent investing habits without the pressure of making large financial commitments upfront. Instead of needing hundreds or thousands of dollars to buy full shares of stock or funds, micro-investing lets you invest with as little as $1.

With the Plynk app, you can begin your investing journey with a dollar or two and grow your portfolio gradually. If you’re new to investing or looking for a low-risk way to get started, micro-investing makes it easy to take that first step.

How does micro-investing work?

Micro-investing works by allowing you to buy fractional shares of stocks, ETFs, or mutual funds. A fractional share is exactly what it sounds like—a portion of a full share. For example, if a single share of a company costs $100, you could spend $1 and buy 1% of that share.

This means you don’t need to wait until you have a large sum of money available to invest. You can start building your portfolio right away. Over time, regularly investing small amounts (maybe a few dollars each week) may add up and help you work toward your financial goals.

Why try micro-investing?

Low barrier to entry: You can start with a $1 investment.
Establish habits: Small, consistent investments may help you develop a long-term investing mindset.
Diversify early and often: Fractional shares can make it easier to spread your money across a variety of assets (known as diversification), even without a lot of money.
Learn by doing: Gain experience and confidence dipping your toes into the world of investing while mitigating risk.

Next steps to consider

Have you ever wondered “Can I invest $1 in stocks or funds?” You can with the Plynk app.

The app also helps make micro-investing quick and simple by giving you the option of setting up automatic recurring investments.

Looking to potentially grow your investments even faster? Try Steady Start, a 52-week journey that lets you begin with $1 and gradually increases your investment by a dollar each week. In a year you will have invested nearly $1,400!