Getting Started with Micro-Investing

The biggest barrier to investing is not knowledge — it is inertia. Micro-investing removes the friction by letting you start with whatever you have.

What to Look For

A good micro-investing approach has no minimum balance requirement, low or zero fees, automatic recurring deposits, and a beginner-friendly interface. Secondary considerations include educational content and the breadth of available assets.

The Key Features That Matter

• Recurring deposits

  Set a fixed weekly transfer so the habit runs in the background without requiring a decision each time.

• Fractional ownership

  Own a slice of a larger asset without needing a large upfront amount per unit.

• Goal tagging

  Label each investment pot — holiday, house deposit, retirement — for clarity on what you are building toward.

• Low fees

  On small amounts, high fees destroy returns. Every percentage point matters more when the base is small.

"The best investment you can make is in the habit of investing. The amount is secondary."

Connect your FinTrack account to track all your investment pots alongside your budget — one unified view of your complete financial picture.