Some people make building wealth look effortless. But here’s the truth. You don’t need luck or a finance degree. Just the right tools, a bit of consistency, and a strategy that fits your life.

Whether you’re saving for a holiday, a home, or just more freedom with your money, investing can help you get there. And yes, you can start with just €10.

Let’s break it down.

First Things First: What Is Risk and Return?

When you invest, there’s always a bit of risk. That just means your money might go up or down depending on the market. Return is what you earn if things go well.

Usually, higher returns come with more risk. Lower risk means slower growth, but more stability. The trick is finding what feels right for you.

You’re in control.

Three Investment Strategies That Actually Work

You don’t need to be an expert to start investing. These simple strategies can help you build your money over time, in a way that feels doable.

1. Long-term Investing

Pick solid investments and stick with them. The longer you hold, the more you smooth out short-term ups and downs.

Why people love it:

• No need to check the markets every day

• Small gains add up, especially with compound returns

With bunq, you can invest in ETFs and stocks straight from the app. Turn on AutoSave and let your spare change do the work for you.

2. Dollar-Cost Averaging

This means investing the same amount every week or month. No big lump sums, no stress about perfect timing.

Why it works:

• You buy in at different prices, so you don’t overpay

• It becomes a habit, just like saving or paying rent

Use Salary Sorter to automatically send part of your income into investments. Set it once and let it run.

3. Diversification

This is a fancy way of saying: don’t put all your money in one place. Spread it out across savings, stocks, and even crypto. If one drops, the others help balance it out.

Why it helps:

• Lowers your risk

• Makes your overall returns more steady

With bunq, it’s easy to diversify. You can invest in Stocks, grow your Savings with interest, and add Crypto to the mix, all in one app.

The most powerful thing you can do? Keep going. Invest regularly. Reinvest what you earn. Don’t panic when the market dips. Time and consistency beat perfect timing every single time.

You don’t need a huge budget or a financial plan set in stone. Just start. With bunq, you can invest from €10 and take full control of your financial future.

Saving up for something? Planning ahead? Or just curious to see what your money can do? You’ve got everything you need to begin.

Invest in your goals. Your future self will thank you.

Disclaimer: bunq does not provide investment advice. Crypto & Stocks trading involves risk of loss. bunq b.v. trading as bunq is licensed by the Dutch Central Bank (DNB) in the Netherlands and is regulated by the Central Bank of Ireland for conduct of business rules. Crypto is powered by Kraken and all Stocks trading is conducted through our partner, Ginmon.