đ° Stocks vs. Crypto: Where Should You Put Your First $100?
So, youâve got $100 to investâbut you're torn between putting it into the stock market or taking a chance on cryptocurrency. Both offer unique opportunities (and risks), and both have turned small investments into serious returns for savvy investors.
Bettye
6/14/20253 min read


đ° Stocks vs. Crypto: Where Should You Put Your First $100?
So, youâve got $100 to investâbut you're torn between putting it into the stock market or taking a chance on cryptocurrency. Both offer unique opportunities (and risks), and both have turned small investments into serious returns for savvy investors.
But which is right for you? In this post, weâll compare the two side-by-side, breaking down returns, risk levels, accessibility, and what to expect as a beginner with just $100.
đ Quick Snapshot
đ Option 1: Investing in Stocks
Stocks represent ownership in a company. When you buy a share (or a piece of one), youâre buying a stake in a business like Apple, Amazon, or Coca-Cola.
â Why Consider Stocks for Your First $100?
Stability: The S&P 500 has averaged 8â10% annual returns over time.
Ownership: Youâre investing in real businesses with historical earnings.
Dividend potential: Some stocks pay you regularly for holding them.
đ ď¸ How to Get Started
1. Open an account on Fidelity, Robinhood, or M1 Finance.
2. Look into ETFs like VOO or VTI for diversified growth.
3. Consider dividend-paying companies like Coca-Cola or Procter & Gamble.
đĄ Pro tip: You can buy fractional shares, meaning you donât need to afford a full $400 share of Teslaâyou can invest as little as $1.
đ Risks
Stocks can lose value during market downturns.
Returns are not guaranteed in the short term.
đŞ Option 2: Investing in Crypto
Cryptocurrency is digital money built on blockchain technology. Popular coins include Bitcoin, Ethereum, and thousands of altcoins.
â Why Consider Crypto for Your First $100?
High reward potential: Some coins have exploded in value (e.g., ETH from $0.30 to over $2,000).
24/7 trading: Crypto markets are always open.
Innovation exposure: Youâre investing in emerging tech and decentralized finance.
đ ď¸ How to Get Started
1. Create an account on Coinbase, Kraken, or Gemini.
2. Start with a blue-chip coin like Bitcoin or Ethereum.
3. Secure your account with 2FA and consider using a wallet for storage.
đĄ Pro tip: Donât chase meme coins. Stick with crypto that has strong use cases and history.
â ď¸ Risks
Wild price swings. Itâs not uncommon for a coin to drop 20â30% in a single week.
Regulatory uncertainty. Crypto is still evolving and may face future restrictions.
đ¤ Which Should You Choose?
Ask yourself these questions:
1. Do I want safer, steady growth or high-risk, high-reward potential?
â Stocks = safer, proven returns
â Crypto = volatile, but potentially explosive
2. Am I investing for the long term or short-term gain?
â Stocks = best for 5+ year strategies
â Crypto = best if youâre willing to actively monitor prices and trends
3. Do I have time to learn and stay informed?
â Stocks = easier to passively invest
â Crypto = requires staying updated on market sentiment and regulation
â Smart Strategy: Do Both
If youâre open to riskâbut want balanceâconsider splitting your $100:
$60 in an S&P 500 ETF (stocks)
$40 in Ethereum (crypto)
This gives you both stability and upside potential without putting all your eggs in one basket.
đŹ Final Thoughts: Pick What Matches You
Thereâs no âone right answer.â Your choice depends on your goals, risk tolerance, and interest level.
Stocks are great for slow, steady growth. Crypto offers exciting upside, but with serious risks.
Either way, investing your first $100 is a major step forward. Keep learning, start small, and grow as you go.
Best, Everyday Bettye
Are you ready? Let's start this journey! We would love to hear your comments!
How to Start Investing with Just $100 â Mini Financial Planner sold on Gumroad
https://7488873896370.gumroad.com/l/sczxeh
Free Resource: Beginner's Investing Starter Kit
To help you get started, Iâve created a free Investing Starter Kit. It includes:
- A beginnerâs investing checklist
- Platform comparison chart
- Sample $100 investment portfolio
You can download it for free [click here]
If that does not work, click on the link to be taken to the Investing Starter Kit.
https://docs.google.com/document/d/1tTraDgfcTgcrNUqwM5bea71LJKcD6xVfkLBLyOn07Uk/edit?tab=t.0.
Itâs perfect for tracking your progress and gaining confidence.
Editable Credit Card and Other Debt Payoff Calculator Spreadsheet sold on Etsy
Submit any Comments.
Weâd love to hear from you!
Your email address will not be published. Required fields are marked *
Create your website with ease at Hostinger.
Please use this link to create! https://hostinger.com?REFERRALCODE=1BJONESBNJY97



