How to Start Investing in Gold with $100 or Less
By Built By One Editorial Team · Published 2026-03-31 · Last updated 2026-03-31
You don't need thousands to start investing in gold. Learn how to buy fractional gold, gold ETFs, and protect your investment with credit monitoring.
How to Start Investing in Gold with $100 or Less
Think you need thousands of dollars to invest in gold? Think again. In 2025, anyone can start building a gold portfolio with as little as $100.
5 Ways to Invest in Gold on a Budget
1. Gold ETFs (Exchange-Traded Funds)
- Minimum investment: Price of one share (~$20-$200)
- Best for: Beginners who want exposure without physical storage
- Popular options: GLD, IAU, SGOL
2. Fractional Gold Shares
- Many brokerages now offer fractional shares of gold ETFs
- Start with as little as $1
- Perfect for dollar-cost averaging
3. Gold Savings Apps
- Apps like Vaulted and OneGold let you buy fractional physical gold
- Gold is stored in insured vaults
- Buy, sell, and track from your phone
4. Gold Mining Stocks
- Invest in companies that mine gold
- Often amplify gold price movements
- Higher risk but potentially higher reward
5. Gold Coins and Bars
- American Eagle and Canadian Maple Leaf coins
- Start with 1/10 oz coins (~$250)
- Physical possession gives peace of mind
Dollar-Cost Averaging Into Gold
The smartest approach is buying a fixed dollar amount monthly:
Protect Your Investment Portfolio
As your gold holdings grow, protecting your financial identity becomes critical. Data breaches can expose your brokerage accounts.
WalletHub Premium provides free credit monitoring and data breach alerts to keep your financial accounts safe.
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