Top 10 Small Investment Ideas for Low-Income People

What is investing, some may ask? Invest in any company where you invest money or invest money in the hope of making a profit shortly. Even if you are an employee, you will not be hurt by a side investment or two that will give you constant returns.

Most people are silent on the idea that they have to generate a lot of capital to start investing, but the truth is you can start small and increase your investment, or carry on with time and hard work. All you have to do is determine that you want to invest in a particular company first.

Business professionals have always emphasized the importance of having multiple sources of income. Because of this, many people began to buy into the investment culture. However, this has led people to look for ways to invest wisely.

If you are looking to invest like any other successful businessman, you can read some of the small investment ideas in this reading that can be eye-opening.

Here are the top 10 small investment ideas for low-income people

Dividend investment

This involves buying stock from a company that pays dividends. Dividends are the profits a company gets from doing business with the money you invested, and you will receive dividends as long as you are a shareholder in the company.

Most companies pay dividends to their shareholders every two years or annually or quarterly. You can buy a small stake in the company and reinvest your dividends. Over time, you can build a large investment portfolio.

Drop Shipping or Mail-Order Business

This is a side investment that low-income people can start. This business is concerned with receiving the products that you send to the buyer in the right order. If you have a full-time job, you can do that part-time and ask your supplier to ship to buyers’ destinations on your behalf.

That way, you don’t need to buy and store the product. All you have to do is print and approve your product catalog and have a payment system that customers can use to pay for the products they order.

Write an e-book

If writing is your passion, you can invest your time writing e-books. Nowadays you don’t need a publisher to publish your book as online platforms make it easy for people to publish their books easily. You can publish your e-book on the Smashwords, Kindle, or Tradebit platforms and earn passive income from it. If you’re not good at writing, you can pay a freelance writer to write ghost books.

Affiliate Marketing

This is another business that low-income people can start. In affiliate marketing, you help others sell their products and services and you get paid for every sale you make. Try to focus only on the products you like, as it will be easier to sell than selling unusual products or trying them out yourself.

Businesses for rent 

 You can invest a small amount of money in purchasing a useful product that you rent to others for a small fee. There is a story of a girl who made millions of dollars renting clothes she no longer wore to people for a certain fee. Over time, she started adding clothes to her collection and now has over a hundred thousand clothes to rent. You can also start something like this and make money from it.

Direct selling or marketing on several levels

This type of business is similar to affiliate marketing. With direct sales, you are not only paid for the sales you make for the company, but you are also paid for inviting the person who recommended you to join the company as the submarine under you. Apart from the initial registration fee, no further investment is required to start this business.

Investments in fixed deposit accounts

If you can save the required amount for a fixed deposit account, you can invest and earn up to 15% of your capital per year while the money is fixed. The upside of a time deposit is that the interest on your fixed amount is guaranteed, unlike other companies where you are not guaranteed a profit.

Business loans

This business is risky if not done right. The point is to give a small amount of money to people around you who need cash immediately for a short time and return the money with interest. You must ask the person who took the money to sign a loan stating that they have collected the stated amount and agree to pay back the interest.

Always collect collateral that is more than the amount you give to people so that you can get your money back if the person doesn’t pay on time. If done well, this business can generate a steady income.


If you have a thorough knowledge of a certain topic and don’t mind sharing it online, you can start a blog. You can generate huge passive income from blogs as your followers increase. To start a blog, you need to invest in a domain name which you can get for as little as $ 10 a year. You will also need a hosting package to host your website. Some hosting sites charge $ 5 per month for hosting.

You don’t need to know how to design a website to start blogging because some websites like WordPress make it easy for people with no knowledge of web design to create a website easily. Once you’ve built your website, add valuable content every day to drive targeted traffic. You can create products that you can later sell to your readers.

Freelance online

If you know how to do things like writing, graphic design, programming, and whatever else you have, you can start a freelance online business. There are many freelance websites online where you can post vacancies on the site or put on a concert to showcase the services you offer.

When a customer orders a service, the person pays for the website and the website saves money in deferred management. When you finish the concert, the money will be transferred to your account. All you need is knowledge of the services you offer, a computer, and an internet connection to become a freelancer.

This is it, everyone. These are the investment steps that have helped a lot of people. You can also keep the following tips to be successful in the investment world.

Top 10 Small Investment Ideas for Low-Income People

Oh hi there 👋
It’s nice to meet you.

Sign up to receive awesome content in your inbox, every month.

We don’t spam! Read our privacy policy for more info.

Leave a Reply

Your email address will not be published. Required fields are marked *

Share via
Copy link