Investing in the financial markets is one of the simplest ways to multiply your savings. To earn large sums, you do not need a large capital, even small monthly savings for a long time can bring in large sums. It is really unimaginable what happens by investing €100 per month at 10% instead of leaving it in the checking account.

The beginning of the year may be an opportunity to start saving and investing in the financial markets. The stock exchanges have achieved a lot in the past year. For example, a saver who invested in our Ftse Mib Index at the beginning of the year had a profit of 23%. If he had invested in Unicredit shares, he would have increased his capital by more than 70%.

## It is unimaginable what happens by investing €100 per month at 10% instead of leaving it in the checking account

Most savers prefer to leave their money in the account without investing it in the markets for two reasons. The first reason is the lack of knowledge of the financial markets and therefore the lack of knowledge of where to invest money. The second reason is the lack of start-up capital. These savers are convinced that 100 euros per month is a small amount not worth the investment.

Sometimes it is not easy to put aside 100 euros per month. However, it is not difficult to save this amount even for those who do not have great salaries. Would you like to tip? On how to make €10,000 starting from scratch in 64 months with croissants and cigarettes.

Let’s find out what happens to a saver who decides to invest only 100 euros per month in the stock markets. One of the simplest solutions is to make an ETF backlog scheme. Practically every beginning of the month the saver invests €100 in the chosen trading exchange fund. Let’s also assume that on average an ETF can make 10% per year. Let’s see through this investment strategy how much can accumulate in 5, 10, 20 and 30 years.

## Convert 100 euros per month to 228 thousand euros

A saver who invests 100€ per month with an annual return of 10%, after 5 years has raised a capital of approximately 7000€, of which 1800 is in interest. If the saver continues to invest for 10 years, at the end of the period he will have collected more than 20,000 euros, of which about 8,600 euros are in interest.

The figure becomes very interesting if the investment continues for 20 years. At the end of this period, the capital will be more than 76,000 euros, of which more than 52,000 euros are in interest. What if the saver kept investing for 30 years? Then the capital becomes 228 thousand euros, of which 191 thousand euros are interest.

These figures are obtained at a return of 10% per annum. It may seem a risky hypothesis but it is not. We’ve seen how our stock market is up 23% this year. There are indices, such as the S&P500 USA that has gained an average of 10% per year over the past 20 years. Vanguard S&P 500 ETF (Isin: IE00B3XXRP09) in the past 10 years has averaged a return of 15% per year. So it is not inconceivable that you will maintain this average for the next 30 years.

**deepen**

To earn €100,000, how much do you invest in this exceptional tool and for how long?