Investing 500 euros: cryptocurrencies, stocks or ETFs?

Mark Norgate
October 9, 2021
Investing 500 euros: How can you invest sensibly? How to invest 500 euros? First of all, the investor should first be clear about what he expects from his investment.
investing-500-euros

Do you have 500 euros left at the end of the month?

Then the question arises for them, how and where best to invest 500 euros.

Secured brokers show which investments make the most sense for you by investing 500 euros.

Table of Contents

Investing 500 euros: How can you invest sensibly?

How to invest 500 euros? First of all, the investor should first be clear about what he expects from his investment. Should the investment be invested more for a long-term return and thus more as a savings measure, it could make more sense to take a higher risk to possibly make high profits from day trading with stocks, for example.

500 euros can be good start-up capital if you want to build a comprehensive portfolio of stocks. When trading stocks, you can bet on long-term trends or try to make short-term profits.

If you like it more conservative, you can simply invest your money in an ETF and benefit from a variety of stocks. It is important to take a closer look at the individual ETFs. In addition to classic large ETFs, an overview can be found here, and you can also discover newer trends and thus rely on green investments, for example.

If you are not afraid of a slightly higher risk, you can also try to invest in cryptocurrencies at one of the large crypto exchanges. For example, if you want to invest 500 euros in Bitcoin, most of the large exchanges offer your wallets. Some online brokers, such as Roinvesting, also offer such a wallet so that you can purchase the popular coins directly.

It turns out that there are countless ways to invest 500 euros. For most small investors, EUR 500 is a relatively large amount, and accordingly, they will want a high level of security. It might make sense to create a savings plan.

Where to invest € 500? Best brokers for investing in stocks, ETFs & cryptocurrencies:

Rating

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Min. Spread

Assets

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Positive Reviews

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Likes

4.9/5
250
0.07
  • Commodities
  • Forex 40 +
  • Metals
  • Stocks
  • Indices
  • Cryptocurrencies
85
2
4.5/5
250
0.07
  • Metals
  • Forex
  • Indices
  • Cryptocurrencies
  • Commodities
  • Stocks

 

254
82
3
58
4.9/5
250
0.07
  • Forex 40+
  • Metals
  • Commodities
  • Stocks
  • Indices
  • Cryptocurrencies

 

480
80
3
50
Savings plan: invest 500 euros a month

If you have an income that allows you to set aside 500 euros a month, you should ask yourself whether the classic savings account makes sense for this. The interest rates hardly make such a savings account attractive, and you should therefore look for more lucrative alternatives.

Funds could be the right choice for anyone who wants to invest 500 euros a month and want a high level of security. The returns that can be generated are not as high as, for example, with cryptocurrencies or CFDs, but the risks are also limited in most cases.

Which fund you choose ultimately depends on your preferences as an investor. If you are new to the world of ETFs, you should find attractive options in our fund articles that you can choose from.

The advantage of investing in ETFs is that you usually get a higher return than if you only earn the interest on a savings account. You should just make sure that you check the fund performance regularly so that you can see whether it is profitable. If you decide to invest 500 euros a month, you will have put 6,000 euros into the chosen ETF in one year.

If you have had a lucky hand in choosing your fund, you can quickly generate a return of some 100 euros.

Of course, you are not forced to invest 500 euros every month. You can also invest 500 euros in shares once, for example.

Invest 500 euros in stocks

 

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If you want to invest 500 euros in stocks, you can go two ways. Either you take this capital and do everything you can to achieve high profits with stock trading in the form of day trading. All that is needed for this is an account with a reputable online broker. Meanwhile, some online brokers can be recommended whose customer friendliness justifies an investment of 500 euros.

However, especially with regard to day trading, one should not disregard that you should see your invested money as risk capital. It takes both a good feel for the markets and a lot of know-how to quickly earn a lot of money. If you want to take it a bit easier, you should choose the second way.

Similar to investing in funds, the focus here is more on long-term profits. Online brokers make it possible to create your portfolio and fill it with a wide variety of stocks. Here, too, you are spoiled for choice as to which stocks are most likely to be recommended in 2022. Securedbrokers has created an overview for this.

Now the only question left is whether you should invest in a few expensive stocks or whether you want to create a more extensive portfolio and include many different companies in it whose stores are already available at a relatively low price.

Here it depends on which preference you have and which type of investment you correspond to. One can say that stocks of huge companies (“ Too Big To Fail ”) are usually a very safe investment.

Invest 500 euros in ETF

investing-500-euros

If you want to invest 500 euros and want to use ETFs, this does not necessarily have to be done through a savings plan. Of course, you also have the option of investing 500 euros in ETFs once. In most cases, the money should be better invested here than with the classic savings account.

In times of climate change and increasing environmental awareness among the population, so-called green investments are particularly popular. Here you can achieve high profits if you invest early enough. Since the trend is growing slowly, you should access this relatively quickly.

Classic ETFs and funds are also a relatively safe investment option. If you want to invest 500 euros in ETFs and at the same time want to protect yourself relatively comprehensively, you should rely on huge and stable funds. Here you have fewer profit prospects than, for example, with green investments, but at the same time, any losses are less likely.

If you use online brokers for the investment, you should familiarize yourself with the so-called academy, which the most reputable providers offer. Here you can find valuable information on how to develop a suitable investment strategy for your own type of plant.

One should not underestimate that a great deal of know-how is required for every investment. The old banker adage “only invest in what you understand” should also be followed here.

But even newbies shouldn’t feel put off, as most major online brokers, such as Roinvesting, offer a wide variety of training opportunities.

Invest 500 euros per month: This is how much you can earn with 500 euros per month:

Start-up capital (€): Savings rate (€): Savings length (years):

6th

Return:

MSCI World: (7.7%)

DAX: (6.08%)

S&P 500: (7.95%)

Individual return:

After 6 years, your investment will be worth this much: € 16,950

Investment growth over time

202120222023202420252026€0€5,000€10,000€15,000€20,000

genreStarting AmountTotal ContributionsTotal Interest Earned
2021€ 5K€ 1.2K436
2022€ 5K€ 2.4K1.005
2023€ 5K€ 3.6K1.709
2024€ 5K€ 4.8K2.560
2025€ 5K€ 6K3,570
2026€ 5K€ 7.2K4,750

Investment balance for the year 2026

29.5%28%42.5%

TaskHours per day
Starting investment€ 5K
Total Contributions€ 7.2K
Total Interest Earned€ 4.75K

Start-up capital:€ 5,000Total savings:€ 7,200Interest earned:€ 4,750

yearSeed capitalAnnual savings rateTotal savingsTotal interest incomeInterest earnedfinal amount
2021€ 5,000€ 1,200€ 1,200€ 436€ 436€ 6,636
2022€ 5,000€ 1,200€ 2,400€ 569€ 1.005€ 8.405
2023€ 5,000€ 1,200€ 3,600€ 704€ 1.709€ 10.309
2024€ 5,000€ 1,200€ 4,800€ 851€ 2,560€ 12,360
2025€ 5,000€ 1,200€ 6,000€ 1,010€ 3,570€ 14,570
2026€ 5,000€ 1,200€ 7,200€ 1,180€ 4,750€ 16,950
Invest 500 euros in Bitcoin or other cryptocurrencies

Cryptocurrencies are still in trend. Since the bitcoin price has risen again, more investors are turning to the popular coins. How to invest 500 euros? If you want to invest 500 euros in cryptocurrency, there are two options. First of all, you can purchase the chosen coins directly.

So if you want to invest 500 euros in Bitcoin, you need your own wallet and a suitable crypto exchange. Of course, other cryptocurrencies, such as Litecoin or Ethereum, are also available if you want to invest 500 euros in cryptocurrency.

If you want to invest 500 euros in Bitcoin, you should be aware that the prices of the coins often fluctuate greatly and are generally highly volatile.

As a result, you can not only make high profits from trading with the cryptocurrencies, but that there is also a high risk that the price will soon fall again very quickly. Of course, if you want to invest in Bitcoin, you should make sure that you buy the cryptocurrency cheaply.

investing-500-euros

Even crypto professionals often cannot answer which cryptocurrencies are most likely to be considered for this. In the scene, however, it is assumed that digital currencies belong to the future.

If you want to invest 500 euros in Bitcoin, you should be informed about all risks. There is no doubt that high returns will be possible. Of course, these are not guaranteed.

The second way to invest 500 euros in cryptocurrency is through so-called CFDs.

These highly complex financial instruments are subject to a high risk of losing your entire investment, but on the other hand, high profits are also possible, which are only very rarely achieved with conventional investments. With CFDs, it is possible to bet on the rates of cryptocurrencies.

Investing 500 euros profitably Conclusion – Our recommendation: What to do with 500 euros?

investing-500-euros

How to invest 500 euros? It could be shown that there are countless possibilities to invest 500 euros. Often, profits from the investment are also possible. Which of these options, be it stocks, funds or CFDs, you ultimately decide on is up to the investor. You can also invest 500 euros in Bitcoin.

For those who value a high level of security, it might make the most sense to want to invest 500 euros in ETFs. For those who want to take a little more risk, the equity business could be attractive. Cryptocurrencies and CFDs bring the highest risk, but at the same time, the possible returns will be the highest.

If you want to invest 500 euros, you should always acquire the necessary know-how regardless of the type of investment. You can only make logical and meaningful decisions when you have been informed about all the possibilities. For many newcomers, it might first make sense to familiarize themselves with all the peculiarities of the respective investment.

We also recommend that you only invest on a reputable and regulated platform. Here we can recommend our test winner, Roinvesting: With Roinvesting, you have absolutely the best conditions for investing (e.g. no fees when buying shares) and Roinvesting is fully regulated and licensed.

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FAQs

The article discusses the various investment options. Among other things, stocks, cryptocurrencies, commodities, forex trading, CFD trading, real estate, savings books, indices and many other forms of investment are very popular.

Your own trading personality plays a role here. How much money do you take in hand? Are you investing conservatively or risky? Are you investing as an alternative to saving, or do you expect juicy returns?

You should carefully examine your own financial needs before deciding on a suitable investment.

In times of negative interest rates, traditional saving hardly makes any sense. Investments are therefore the smarter choice: Here, you get the chance of good returns, although there is also a risk that is calculable.

Many online brokers have academies that allow adequate further training. Alternatively, trading courses are offered on the web, but here you should place a high emphasis on the seriousness of the provider.

Current news and trading strategies are, of course, also explained in detail here at secured brokers in separate articles.

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