You have €100. Great start.
You don't need thousands to begin. Starting small is smart. It gives you real experience without huge stress.
Your first goal is not "get rich fast". Your first goal is to build a repeatable habit and learn safely.
A simple beginner plan for €100
- Step 1: Keep an emergency buffer in your bank account first.
- Step 2: Invest only money you can afford to lose.
- Step 3: Start with major coins, not random hype coins.
- Step 4: Decide if this is one-time or monthly.
A common starter split is one or two large coins (for example BTC and ETH), instead of ten tiny positions.
What is DCA (Dollar Cost Averaging)?
DCA means you invest a fixed amount at regular intervals, for example €25 every month.
When the price is high, you buy less. When the price is low, you buy more. Over time this smooths your average entry price.
You avoid one big emotional decision like "Should I buy today or wait?"
Quick DCA example
Imagine you invest €25 per month for 4 months:
- Month 1: price is high → you get a smaller fraction.
- Month 2: price drops → you get a bigger fraction.
- Month 3: price drops again → even bigger fraction.
- Month 4: price recovers → smaller fraction again.
Result: your average buy price is often better than one emotional all-in purchase.
One-time buy or monthly plan?
- One-time (€100 now): simple, quick, done.
- Monthly (€25 x 4): less timing risk, easier emotionally.
For complete beginners, monthly DCA is usually calmer.
Mistakes to avoid
- Buying because of a viral post.
- Checking price every 10 minutes.
- Changing strategy after one red day.
- Using borrowed money.
Next action
If you want a tailored beginner allocation, use our short wizard:
It asks simple questions and gives you a starting plan you can actually follow.