20 Index Funds Less Than 100 Dollars

*for educational purposes only- not investing advice*

One of the frequent questions I get from people when it comes to investing is "Where do I start?" [start with this post here]

And that makes sense. That is the question we ask whenever we're doing anything we may be unfamiliar with. With all of the noise that surrounds investing, it can be very intimidating and confusing. Worst of all is the misinformation ... WHEWW the misinformation is rampant!

What I truly want to clarify for you right here right now: you do not need a ton of money to get started investing in the market. In fact... there are many ways for you to gain access to investing for wealth without breaking the bank or spending thousands of dollars.

A shameless plug:

While my 1:1 coaching sessions are on pause, I still I've got a resource just for you! My "How To Invest Your First $100 Dollars" webinar is 90 minutes of jam packed intel on picking a brokerage, dollar cost averaging, how to pick stocks + index funds.

Because we're besties future millionaire, I've slashed the price to $20 dollars until April 10th, 2022! Grab your copy of the class now!

Okay... let's get to the reason you're here !

20 Index Funds

Less Than 100 Dollars

Firstly what is an index fund/ ETF: Simply put an index fund/ ETF investment gives you a level of diversification that would not be possible to obtain if you were simply picking out individual stocks. You want to think of an ETF/ Index fund as buying an entire pizza instead of buying 1-2 slices (individual stocks).

Why I like index funds? : I like that it is not as volatile / less risk. I am pretty risk adverse, but I know that as a younger investor it is beneficial to take on more risk than not. This is because I have more time in the market left until I retire and start withdrawing money. So index funds help me take on risk with stock, without having to be tapped in to the day to day movement of the market.

But here's a general overview of why people like them so much:

• Them returns baby : Index funds fluctuate of course just like stocks. And there is no guarantee on anything in the market. However, historically over time index funds have had solid returns. An example you'll often hear is the S&P500 index which has had a long- term return record of about 10% annually. That means over a long period of time that is what historically has been the average return.
• Less risk : Like I mentioned ... I'm not a huge risk taker but I know that risks are necessary in the investing world. The diversification of an index fund exposes me to LESS risk but doesn't shelter me from losing money (the market is going to do what it has always done)
• Diversifies that portfolio ASAP: By being both a LONG term and index fund investor your portfolio experiences immediate diversification (if done properly- here's how to avoid fund overlap)
• Low cost – Index funds are cost effective investments (especially when those expense ratios are LOW LOW LOW). And some of the index funds on the list below... charge NO expense ratios at all! Meaning you get to keep more of your returns.

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What about fractional shares: YES! The answer is yes. If an index fund or stock that you're interested in purchasing is a bit pricier than you can afford for a whole share... you can buy a piece of it (also known as a fractional share). There are a ton of brokers that offer fractional shares now . I use Vanguard as my main brokerage and they have just entered the fractional share game as well!

It’s really easy to invest in an index fund, but you definitely need to know WHAT you're investing in. I do not recommend simply buying any fund on the list without researching / knowing exactly what you're buying! These are the 3 steps I recommend as smart steps to purchasing index funds.

• Research the fund: Find out what you're investing in. What index does it track? What industries or sectors is it covering? A simple google search can give you most of the information you'll need to do this.
• Decide on a fund you want to buy: Once you've decided on an index fund look further into: the expenses (what is the expense ratio), its historical performance (I like to see the 5 year and 10 year performance history - and Yahoo finance is my fave research tool), investment minimums, taxes...etc.
• Buy the fund: Time to make that purchase once you've decided what to add to your portfolio.

The list of index funds less than 100 dollars you came here for:

1. Schwab U.S. Dividend Equity ETF (SCHD)

2. Schwab S&P 500 Index (SWPPX)

3. Schwab Balanced Fund (SWOBX)

4. Schwab International Core Equity (SICNX)

5. Fidelity ZERO Large Cap Index Fund (FNILX)

6. Fidelity ZERO Extended Market Index Fund (FZIPX)

7.Fidelity ZERO Total Market Index Fund (FZROX)

8. Fidelity ZERO International Index Fund (FZILX)

9. SPDR Portfolio S&P 500 ETF (SPLG)

10. Schwab U.S. Large-Cap ETF (SCHX)

11. BNY Mellon U.S. Large Cap Core Equity ETF (BKLC)

12. iShares Morningstar U.S. Equity ETF (ILCB)

13. JPMorgan BetaBuilders U.S. Equity ETF (BBUS) 

14. Schwab U.S. Small-Cap ETF (SCHA)

15. SPDR Portfolio S&P 1500 Composite Stock Market ETF (SPTM)

16. Schwab U.S. Broad Market ETF (SCHB)

17. Shelton NASDAQ-100 Index Direct (NASDX)

18. Vanguard Russell 2000 ETF (VTWO)

19. Schwab U.S. Mid-Cap ETF (SCHM)

20. iShares Core S&P Total US Stock Market(ITOT)

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Until next time,