How to Invest Every Month – Tips and Method

For investors who wish to gradually build up a portfolio or capital, those who do not have sufficient savings or low-income investors, investing every month is an attractive, profitable and interesting solution. In this article, we will therefore explain how to make monthly and regular investments, which assets to favor according to your objectives and your profile, or even what monthly amount you should ideally devote to this investment in order to generate sufficient and comfortable earnings.

Why Invest Every Month?

Investing every month instead of making a large investment at once can have many disadvantages.vantages and be a strategy favored by investors for different reasons that we will detail for you.

Build a Portfolio by Investing Every Month

First of all, the monthly investment allows you to gradually build up a portfolio of shares or securities that will grow over time.

• It is possible to buy a few shares every month, even with a small capital, focusing for example on Penny Stocks.
• As part of building a monthly stock portfolio, the investor can use the profits made to buy new assets.
• Over time, the value portfolio will gain strength and profitability will be progressive.

Take advantage of market opportunities each month

Investing monthly also allows you to take advantage of new market opportunities each month.

• Financial markets are volatile and hot sectors or assets are constantly changing. By taking an interest in the news every month, it is possible to identify the best values ​​according to the period.
• A monthly investment can also make it possible to implement short-term investment strategies and buy and sell shares on the same day or speculate on leveraged products with Day Trading or Scalping.

Investing instead of saving

Finally, investing every month is a great alternative to saving.

• Regulated passbooks and bank savings products currently offer only low returns.
• By favoring investment over savings, profitability is higher and investment more diversified.
• It is possible to invest in the stock market by placing only a few hundred euros each month.

How to Invest Every Month

1. Start by choosing a broker or broker through which you will carry out your stock market transactions as the broker DEGIRO.
2. Register with it by creating your trading account in minutes with a simple online form.
3. Deposit capital into your account each month in order to fund it regularly.
4. Choose the assets you want to trade and place your stock market orders directly.

The Best Brokers to Invest Every Month

On which Assets to Invest every Month?

Explore where to invest now each month and which are the main markets accessible with this method.

Investing in the Stock Market Every Month

Investing in the stock market is still the most popular method of investment among individuals. It thus offers thevantagefollowing:

• Investing every month in shares on the stock market allows you to gradually build up capital for a long-term investment.
• By choosing yield stocks, which pay a dividend, the investor can generate monthly or annual income.
• Many actions are accessible at a lower cost and certain actions at less than 1 euro or Penny Stocks can represent an interesting investment.
• Finally, some stock brokers like DEGIRO charge low brokerage fees and require no minimum deposit amount.

Invest in Crypto Currencies Every Month

If you want to invest and earn money every month, the cryptocurrency market is undoubtedly one of the most interesting markets today.

• Cryptocurrencies are particularly volatile assets whose price differences can be significant in a month.
• There are more and more different crypto currencies and new crypto are emerging every month.
• With the leverage effect accessible on the platforms of certain brokers such as Vantage, you can increase your position size.
• Finally, you will have all the data necessary for the analysis of these values ​​which are currently making the headlines.

Invest in Forex or CFDs Every Month

Another way to invest in the stock market on a monthly basis and earn money from your investments is to turn to CFDs or Forex. These two markets indeed offer another mode of investment, more reactive and more profitable in the short term thanks to the leverage effect.

• Investing in Forex every month – Forex, or the foreign exchange market, is the most volatile and popular market for individual investors. It allows you to bet on the rise or fall of the exchange rate of one currency against another and generate profits from the difference in rates between the time you open a position and the time you close it. Forex also offers thevantage to offer the strongest leverage authorized in France today.
• Investing in CFDs monthly – CFDs, or contracts for difference, are another interesting way to speculate each month. They allow you to trade on different types of assets such as stocks, commodities, bonds, stock indices, or even cryptocurrencies. Here again, leverage will allow you to increase the size of your position and therefore your profitability.

Forex and CFDs are accessible from a single online broker, the broker Vantage that we recommend for this investment.

Invest in SCPI Every Month

Taking shares in one or more SCPIs is also an interesting regular investment to consider in order to bet a little money each month.

• Here, in addition to the entry fees which may vary from one SCPI to another, it is possible to make free and regular payments.
• Every month, you can devote part of your budget to this investment by increasing your shares or by buying others in different SCPIs.
• The average yield of an SCPI is 4%, which is beyond what the various savings accounts regulated by the banks offer.

How Much Can You Earn By Investing Every Month?

The profitability of a monthly investment is difficult to give without details since it will depend on several criteria including:

• Invested capital – It goes without saying that the more you invest each month, the more money that investment will earn you. Thus, profitability will be proportional to your initial capital and its growth over time.
• The type of investment – ​​Buying stocks will rarely generate quick returns, but it will allow you to receive attractive annual dividends. As for trading CFDs, cryptocurrencies, or Forex, it will allow you to make profits monthly or even daily, depending on the strategy implemented and thanks to leverage. The average return in trading is in the range of 3 to 6% per month.
• Your knowledge and profile – A seasoned investor, or one who has taken the time to educate themselves about financial markets and investing, will undoubtedly be better able to make money quickly than a newbie investing by instinct.

Invest Every Month on a Small Budget

Investing every month does not necessarily require a large income and large sums of money to invest. Indeed, it is now possible to open an online trading account with certain brokers such as DEGIRO from 10 €.

• The Cheapest Stocks – A small budget like a hundred euros per month will allow you to easily build up a portfolio on the stock market by buying inexpensive stocks or penny stocks, which are stocks for less than 1 euro, on a monthly basis. But sometimes it will be better, with this budget of 100 euros, to wait a few months to buy a more expensive but more profitable action.
• Invest in an ETF – Another solution is to bet on an ETF which is an index fund representing a sector or a stock index and which will allow you to benefit from a diversified portfolio in a single operation.
• Investing in Crypto Currencies – Finally, small budgets will also appreciate the opportunities offered by crypto currencies which remain the best type of asset with a few hundred euros per month. Indeed, to trade Bitcoin, Ethereum or other assets of this type, you do not need a minimum amount and can therefore invest 50€, 10€ or 100€ according to your means.

Ideally and even with a small budget, it is best to always try to diversify your monthly investments so as not to risk losing everything in a bad market condition.

What Amount To Devote Each Month To The Investment?

If investing every month is an excellent idea for individuals who do not have a large capital aside, it is still necessary to know how much to devote monthly to this activity. A rule of thumb when it comes to investing in the stock market is to never invest money that you might need.

Before calculating how much you can invest each month, you must make sure that you have built up precautionary savings which will correspond to a few months of salary, ideally 5 to 6 months of income and which will be used to cope with d possible contingencies or to finance future projects.

Once this savings has been made, you will calculate the ideal share of your income to devote to investment. Here are the rules to follow:

Monthly Investing Tips

Finally, here are some simple rules to follow and some advice for making investments every month in the best conditions:

Set Short or Long Term Goals

First of all, and even if your investment is monthly, you must determine what your precise objectives are by asking yourself these questions:

• What is my investment horizon? – Are you planning to build up capital for a supplementary retirement income or do you want to make money quickly?
• What is my risk aversion level? – Are you looking for a stable, low-risk but low-yield investment, or are you prepared to take risks?vantage of risks to winvantage silver ?
• What markets do I know? – A good knowledge of the assets in which one invests is also essential to be able to seriously analyze their evolution and identify market opportunities.
• How much time will I dedicate to this investment? – Also, set a pace for your monthly investment. Decide whether you want to dedicate one hour per day or one hour per week to this investment.

Defining a Strategy for Investing Monthly

A good strategy is the key to a successful and profitable investment, whether over the long term or by investing every month. This strategy will of course depend on your objectives as defined above but will also require rigor and discipline.

Make an investment plan and try to stick to it no matter what, without letting your emotions take over.

Consider the Risk

There are several types of assets and products in which you can invest a little money regularly and whose level of risk and therefore profitability, varies more or less strongly.

• The Least Risky Investments – Stocks are currently the least risky monthly investment with the lowest volatility. Of course, euro-denominated life insurance funds are also risk-free but much less profitable.
• The Riskiest Investments – As for the riskiest assets and instruments, these are of course the most volatile and the most profitable, namely CFDs, Forex and cryptocurrencies, whose profitability as well as risk are increased by the leverage used.

Define the Pace of your Investments

If you have chosen to invest your capital monthly rather than investing all of your capital in a PEA or a securities account, this does not mean that you cannot change this rate at any time.

Indeed and if you receive an exceptional bonus or have an unexpected cash flow, do not hesitate to invest it also in order to increase your capital and thus gain in profitability.

For example, you can define a fixed amount to bet every month or multiply this amount by twelve to find out how much you can invest annually.

Diversify your Investments to the Maximum

In terms of investment, it is necessary not to put all your eggs in one basket. Remember to spread your savings over different types of money investments with varying levels of risk or diverse sectors.

Ideally, place part of your bet on profitable and risky assets and the other part on more stable but less profitable assets.

To do this, you can, for example, choose to invest one month in stocks and the following month in crypto or CFDs in order to maintain an ideal return/risk balance.

Track and Monitor Your Investments

This is not about making monthly investments without coming back to them later. A good investor is above all an investor who monitors and manages his portfolio effectively.

• If you invest in shares, follow the performance of your securities as well as the news of the listed companies that issue them in order to possibly eliminate the least profitable stocks and buy more interesting ones. Also know how to take your profits at the right time and reinvest them wisely.
• If you invest in leveraged products, you must carry out technical analyzes and evaluate your performance objectively, always seeking to improve your strategies by learning from any mistakes you may have.
• If you do not have the soul of a stockbroker, then it will be wise to opt for products whose management is dedicated such as ETFs or investment funds which are offered by brokers like DEGIRO.

Choosing the right Broker or Broker

Whether for one-off or regular investments, the choice of broker or broker who will serve as an intermediary between you and the markets is crucial for your success. So check the following points before you start:

• Regulation – A broker regulated by a European or international authority will be a guarantee of reliability and will protect you from scams.
• The platform and technical solution offered – The technical solutions offered by online brokers vary in terms of simplicity, ergonomics and performance.
• Fees – The amount of brokerage fees or spreads will, of course, influence your investments. Currently, the cheapest broker on the market is the broker DEGIRO.
• Minimum deposit amount – As part of a monthly investment strategy, check the minimum deposit amount required as well as any deposit fees.
• The tools offered – Finally, the tools and assets at your disposal should allow you to make diversified investments and easily carry out market analyses.

Calculate Fees and Taxes

Investing in the stock market or other markets obviously has a cost and this cost can have an influence on your profitability and the amount you can invest. Here are the costs to assess and take into account:

• Brokerage fees – If you invest in shares every month, you must of course take into account brokerage fees and any custody fees applied to your transactions and your portfolio.
• The spread – If you trade CFDs, Forex, or cryptocurrencies, these fees will take the form of a spread, which is a slight difference in price between the asset's actual price and the price at which you can buy or sell it. These spreads can be variable or fixed depending on the broker.
• Management fees – Some products are investment products managed by third parties and therefore management fees are charged to investors.
• Taxes and taxation – Finally, income from your investments, including dividends and capital gains, is subject to taxation in France. Familiarize yourself with the different reporting procedures and the amount payable.

Investing Every Month – Is It Profitable? Our opinion

Finally, is making investments every month more profitable than investing a large amount all at once? In reality, the answer to this question will depend on several factors and it is quite interesting and profitable to bet a little money on the stock market each month if you devote a sufficient amount and time to it. In addition, this method allows individual investors who do not have significant capital or who have a small budget, to make investments instead of simple savings and therefore to gain in profitability while building up a portfolio and a capital for the years to come.
Do you want to invest in the financial markets every month and are you looking for a reliable and serious broker? Do not hesitate to ask us for advice by leaving us a comment!

Where to put 100 Euros per month?

If you have a monthly budget of 100 euros per month, then you can turn to the purchase of certain inexpensive stocks such as penny stocks in order to gradually build up a stock market portfolio. You can also invest these 100€ in interesting and volatile leveraged products such as cryptocurrencies.

How to make 100 Euros profitable?

If the sum of 100 euros may seem low to you to generate an income, it nevertheless allows you to make profitable investments by choosing the right markets and assets. Indeed, CFDs or Forex offer an attractive leverage effect that allows you to generate gains every day or over short periods and with little capital.

✔️ What Actions for 2025?

Several stocks are interesting to buy in 2025 and you can devote part of your monthly budget to acquiring them. We recommend in particular biotech stocks, which are still accessible and which are particularly promising, or even technological stocks or stocks in 5G or in health. These sectors are indeed those with the highest growth potential.

How much should you put aside each month?

The amount of your income to be allocated to your savings or your investments and investments will depend on several factors, including of course the amount of your monthly income, but also your expenses and your current needs. Remember that you should never invest money that you might need so as not to be caught off guard in the event of a hard blow.

Where to Place 400 Euros Per Month?

If you have a monthly budget of 400 euros to invest in the stock market or other markets, the choice in terms of solutions is varied. You can indeed turn to the purchase of yield shares, which pay a regular monthly or annual dividend, but you can also devote this investment to growth stocks or speculate on more volatile markets with leverage such as using CFDs. or by trading on Forex.

Are you a regular investor and are used to devoting part of your income each month to investing in the stock market? Share your opinion and experience in our comments!