Where to Invest €100 per Month?

€100 — a lot or a little?

Depends on how you look at it.

For Starbucks — that’s 20 lattes.
For an investor — it’s your first step toward financial independence.

Many underestimate small amounts. They think: “What can I earn from a hundred?”
But that’s wrong. Because it’s not about the amount, but about the habit. If you can systematically invest €100 per month — you’ll be able to invest €1,000 too.

The main thing is to start.

The Simplest Way — S&P 500 Index

If you want your money to work, but don’t want to follow news, stocks, or exchange rates daily, then the best solution is investing in the S&P 500 index.

And actually, this isn’t just a convenient solution — even the world’s most successful investor Warren Buffett recommends investing in the S&P 500. That’s what he told his wife to do in his will.

S&P 500 reflects the dynamics of 500 largest US companies, such as Apple, Microsoft, Google, Amazon, Visa, and many others.
Essentially, you’re buying a “piece” of the entire American economy.

What to Choose for a European Investor? VUAA — Vanguard S&P 500 UCITS ETF

This fund tracks the S&P 500 index.

So if the American economy grows — your capital grows too.

And not just the economy, but the technology industry as a whole.

VUAA Advantages:

• Managed by the reliable company Vanguard
• Minimal fees (the lowest possible on the market)
• Doesn’t require active management
• Great for long-term accumulation

How to Start?

Open a brokerage account: The most popular for beginners — Revolut, Interactive Brokers or my personal choice Lightyear. The video recording on the left is from there.

1. Find the VUAA fund. It’s Vanguard S&P 500 UCITS ETF (Acc). It automatically reinvests dividends, meaning it grows by itself.
2. Invest €100 every month. Don’t try to “catch the moment” when the market drops or rises. Just invest the same amount every month.

This approach is called DCA (Dollar-Cost Averaging) — averaging the purchase cost.

You buy in good and bad months, and in the end, your average price will be favorable.

Why Is This Reliable

• S&P 500 has existed for over 68 years and historically grows despite crises
• The index includes the world’s largest companies — their growth pulls your capital along
• It’s the most popular tool for long-term investing

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Example

If you invest €100 per month for 20 years, with an average return of 8% annually, your capital will be approximately €55,000, of which €31,000 is profit.

And all you need for this is discipline and patience.

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The Main Rule of an Investor

Investing is not about speed, but about consistency.

It doesn’t matter if you start with 50 or 100 euros — what matters is not stopping.

Every month — one step forward.

VUAA is a reliable road you don’t need to run on. Just walk — and in years you’ll be surprised how far you’ve come.

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Conclusion:

The safest and most understandable way to start investing is to invest €100 monthly in VUAA (Vanguard S&P 500 UCITS ETF).

Regularity and long-term thinking will give more results than any attempts to “guess the market.”

Want something more?

Join our investment club Invest Hub. We’ll open up a new world of investing and capital growth for you. S&P 500 will provide you with a decent pension, but won’t help you develop skills to change your life. You can join the club here