How to Invest Little Money and Make a Profit


Investing is one of the best ways to generate long-term wealth, but many people believe that you need a lot of money to get started. In fact, there are many ways to generate assets with little money and make consistent profits. In this article, we'll explore how to invest little money and make a profit, including strategies for where to invest little money and make a lot, as well as tips for making monthly profits.

Why Investing é Important?

Investing is crucial to achieving financial independence. By investing, you make your money work for you, increasing your capital over time. Even with small amounts, it is possible to start investing and see the long-term benefits. The key is to choose the right investments and be consistent.

Where to Invest Little Money and Earn Big

Investing small amounts of money may seem challenging, but there are many options that allow you to get good returns without a large initial capital.

Direct Treasury

Tesouro Direto is a safe and accessible option for those who want to invest a little money. It is a Brazilian government program that allows you to buy public bonds. With a minimum investment of around R$ 30, you can start investing.

Investment Funds

Investment funds allow investors to pool their resources to invest in a variety of assets, such as stocks, bonds and real estate. Many funds accept low initial contributions, making them accessible to investors with little capital.

Low-Cost Funds

Investing in shares of low-cost companies can be a lucrative way to get started in the stock market. Brokerage platforms such as Clear, Easynvest and XP Investimentos allow you to buy shares with small initial investments.

ETFs (Exchange Traded Funds)

ETFs are funds that replicate the performance of a specific index, such as the Ibovespa. They are an effective way of diversifying the portfolio with a low initial investment and low fees.

How to Invest Little Money and Make a Profit


Investing small amounts and making a profit requires planning and discipline. Here are some strategies to help:

Set Clear Goals

Before you start investing, define your financial goals. These could be buying a car, a house, or building up an emergency reserve. Having clear objectives will help you choose the most suitable investments.


Diversifying your investments is essential for minimizing risks. Even with little money, it's possible to invest in different assets, such as shares, bonds and real estate funds, to protect your capital.

Reinvestment of Profits

Reinvesting the profits from your investments can accelerate the growth of your capital. By reinvesting, you take advantage of the benefits of compound interest, where gains generate more gains over time.

How to Invest Money and Make a Monthly Profit

To make monthly profits from your investments, you need to choose assets that pay regular returns. Here are some options:

Real Estate Funds

Real Estate Investment Funds (FIIs) are an excellent way to earn monthly passive income. They invest in commercial and residential properties and distribute the rents collected to shareholders on a regular basis.

Dividends from Shares

Some companies pay regular dividends to their shareholders. Investing in shares of companies that have a consistent history of paying dividends can provide a monthly income.

P2P Lending

Peer-to-Peer Lending (P2P) is a way of lending money directly to people or companies, receiving interest on the amount lent. P2P Lending platforms allow you to invest small amounts and get monthly returns.

Tips for Investing with Little Money

Here are some practical tips to help you start investing with little money and make a profit:

  • Educate yourself: Learning about investments is essential. There are many free resources online, such as blogs, videos and courses, which can help you understand the market better.
  • Use Investment Applications: Apps like Nubank, PicPay and Banco Inter offer investment options with low initial amounts and are easy to use.
  • Invest Regularly: Even if you can only invest small amounts, consistency is the key. Invest regularly to see your capital grow over time.
  • Spending Control: Keep a tight rein on your personal finances to ensure that you have money available to invest regularly.

Example of Investment Planning

To illustrate, let's consider a practical example of investment planning for a person who wants to start with R$100 per month:

  1. Investment Goal: Buy a house in 10 years.
  2. Distribution of Investments:
    • Tesouro Direto: R$ 30/mês
    • .
    • Real Estate Funds: R$ 30/mês
    • .
    • Low Cost Applications: R$ 20/mês
    • .
    • ETFs: R$ 20/mês
    • .
  3. Annual Review: Review and adjust the investment portfolio annually, as necessary.



Investing little money and making a profit is possible and affordable for anyone, regardless of their income level. By setting clear goals, diversifying your investments and reinvesting profits, you can build a robust portfolio and watch your capital grow over time. Whether through Treasury Direct, investment funds, shares or other forms of investment, the opportunities are available to everyone.

Continuous financial education and discipline are essential for investment success. Remember that even if you start with small amounts, the most important thing is to start. Over time, you'll see that small investments can turn into big returns.