Technological advances and the growth of the internet have made the world of investments more accessible and able to meet a wide variety of needs. Even those with very limited capital can find solutions suited to their needs and investment profile. For example, they can choose to activate an Accumulation Plan (PAC) with Moneyfarm , open a savings account, purchase mutual fund shares, trade online, and so on.
Of course, this doesn’t mean investing isn’t risky; on the contrary, any form of investment carries a certain level of risk, which is always directly related to potential returns. For this reason, especially those who are new to investing and lack sufficient expertise, should never pass up the opportunity to rely on independent financial advisors or other industry professionals who can help them identify the most suitable investment strategies and the most suitable assets for creating a sufficiently diversified portfolio.
Which financial instruments allow you to make small investments?
There are numerous financial instruments that allow you to invest even with small amounts. The minimum amount can vary depending on the instrument chosen, ranging from a few dozen euros to a few hundred.
Among the most well-known instruments is the deposit account , a type of bank account, typically associated with a current account, which allows savers to earn small amounts of interest on their deposits. Considered a low-risk investment, it is available in a restricted version, which offers higher interest but blocks the capital for a contractually agreed-upon period, and in a non-restricted version. The latter, which offers less interest, allows investors not only to deposit but also withdraw funds. Minimum deposits vary depending on the bank chosen.
Another tool that allows you to invest small sums of money is the Capital Accumulation Plan (PAC) . In this case, savers can gradually increase their invested capital by making periodic payments. The Capital Accumulation Plan (CAP) allows you to change the frequency and amount of payments at any time. The deposited funds are used by the plan manager to make investments. The plan can also be suspended at any time, without the risk of incurring penalties.
Mutual fund shares
Among the forms of investment that allow you to start with even small amounts of capital is the purchase of mutual fund shares.
Mutual funds are financial instruments managed by asset management companies (SGRs) that, using funds invested by various investors, purchase various types of securities to build a shared portfolio. Each investor holds a stake in the entire portfolio. This means that even with small investments, you can count on a well-diversified portfolio.
Naturally, portfolio composition, diversification, investment solidity, risk levels, and share values vary from fund to fund.
ETFs
ETFs , or Exchange Traded Funds, are special passively managed investment funds listed on the stock exchange and structured to replicate an underlying index.
Purchasable through online trading platforms or your trusted bank, they can be chosen even by those with very little capital.
Crowdfunding
Among the many investment tools that allow you to invest small sums of money are some forms of crowdfunding, such as peer-to-peer , which allows you to earn a profit thanks to the interest rate, or equity-based , which allows the investor to obtain a share of the company.
Government Bonds
Government bonds are obligations issued by states to finance domestic growth, provide additional services to citizens, and so on. Investors who invest in this investment instrument can obtain periodic coupons and a discount at maturity.
For securities issued by the Italian Treasury Department, including BTC and CCT, the minimum purchase amount is 1,000 euros, making them suitable for small savers.
