How to grow your savings by investing spare change
11 May 2025

Investing spare change can be a smart way to grow your savings without feeling the pinch.

The idea is to round up your daily purchases to the nearest whole number and invest the difference.

It's easy to follow: you can save and invest small amounts repeatedly over time. You can also automate the process to build a strong portfolio in the long run.

Automate your savings effortlessly
Automation

Automating your savings by investing spare change takes little effort but produces substantial results over time.

There are many financial platforms that offer services to automatically round up transactions and invest the difference into diversified portfolios.

This hands-off method guarantees consistent contributions to your savings, making it easier to expand your wealth without having to actively manage every transaction.

Small contributions add up over time
Incremental growth

Never underestimate the power of incremental growth when investing your spare change.

While each contribution may seem like nothing, they can add up to something big over time.

Round up your purchases consistently and invest these tiny amounts regularly.

You'd be surprised to see how much your money grows from compound interest. It will make your returns grow as your investment grows.

Diversify investments for better returns
Diversification

Diversifying investments becomes key when putting spare change to work for savings growth.

By investing across a range of asset classes, including stocks, bonds, and mutual funds, you can spread out the risk of market volatility.

A properly diversified portfolio can help you earn better returns while protecting you from losses in any one area of your investments.

Monitor progress regularly
Monitoring

Regularly monitoring progress is essential when investing spare change automatically.

By keeping track of how much has been saved and invested, you can understand your financial habits and identify areas for improvement or adjustment if necessary.

Reviewing investment performance periodically ensures alignment with your financial goals, while also giving you insight into potential changes you may need to make in your strategy or allocation preferences.