How to invest €50 usefully?

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5 min
By Birdee

What to invest 50 euros in? Do you have to be rich to invest? At Birdee, not only do we know that you can invest even with a small amount of money, but we encourage everyone, regardless of age, to start somewhere! In this article, we explain why you should invest small amounts and how to make these investments relevant and effective to ensure a good return.


When young Balthazar Scrooge received his first penny, he had no idea that it would lead him to become the richest duck in the world. Yet by reinvesting his first earnings to improve his tools of the trade, he soon generates better profits. What Scrooge learned from this simple play is that there is no such thing as a small profit. Just as there is no such thing as a small investment. Learning how to invest with amounts within the reach of the smallest budgets is very important! This way, any student or young couple can embark on the great adventure of investing, and hope to generate a better return little by little.


At the moment, saving 50 euros in a Livret A or a home savings plan is not very profitable. The current interest rates and especially the inflation rate are really drying up these savings. However, there are still many other more attractive investments: 

Life insurance and passbook savings for security

If you are looking for a safe and low-risk option, you can invest in a savings account (passbook, life insurance, etc.) or in a sustainable development passbook, which offers relatively high interest rates and a capital guarantee.

- The advantage of a passbook is that it offers a fixed return on its interest rate and can be used to finance a property project. However, beware of the conditions for withdrawing your money! Beware, however, that in France, the Livret A for example is exempt from withholding, unlike the Livret in Belgium. In fact, a 30% withholding tax is required.

- The advantage of life insurance: it allows you to invest money and generate capital, while guaranteeing the accessibility of the money. This should not be confused with death insurance, which can only be drawn on at the death of the policyholder. Belgium, unlike France, taxes subscribers at a rate of 2%.

- The interest of the sustainable development passbook: secure and with an interest rate set by the State, this passbook allows you to ensure that the money deposited in this account is used by banking organisations to finance social and sustainable actions.

PEA, SCPI and SICAV for a better return

If you are prepared to take a little more risk and invest for the long term, you can buy shares (PEA, shares in listed companies). Or you can buy units in mutual funds (SICAV or real estate via an SCPI, for example). However, it is important to note that these options can be more volatile (especially for investments in listed companies), and that returns are not guaranteed.

- The advantage of the PEA: this equity portfolio offers a better return, but also involves more risk, since it involves investing in shares of listed companies.

- The interest of mutual funds: whether via a SICAV or an SCPI, mutual funds allow you to pool risks and have a very good return. And if in France, SCPIs are the most popular, in Belgium, SICAVs are more popular.

Alternative investments and credit products

You can also invest in credit products, such as loans to companies or individuals via a participatory finance platform (alternative investments). This can be an interesting option if you want to help innovative projects develop while earning interest on your investment.

Have you thought about socially responsible investment (SRI)? With Birdee, invest in companies and assets with a positive impact on social and environmental development. Finance at your own level actions that are beneficial to all, including your assets.

Have you thought about socially responsible investment (SRI)? With Birdee, invest in companies and assets with a positive impact on social and environmental development. Finance at your own level actions that are beneficial to all, including your assets.


No matter how much money you invest, the most important thing is to make the right investment choices:
- Ask yourself what your goals are and plan the money you want to invest in relation to your budget.
- Research your investment options to understand the risks and benefits.
- Compare the different offers available and put them into perspective with your financial and responsibility goals.

And our most important tip: diversify the nature of your investments. Don't put all your money into life savings, property investments, massive stock market investments or crypto-currencies. Finally, surround yourself with financial experts who can guide you in your decision making.  Birdee's experts take care of everything (this is called delegated management) by investing your money in responsible funds, from an initial investment of €50 and for only 1% of annual management fees.


- Even the smallest investment with a low return is worthwhile.
- There are many investment options available to you from €50 (passbook, PEA, life insurance, Birdee...)
- It is important to compare the investment offers between them (not all PEAs have the same return).
- But also compare the offers according to the country, because the conditions in France and in Belgium for example are not the same.
- If you want to limit the risks, you can invest in mutual funds (such as SICAVs or SCPIs in real estate).
- Vary the nature of your investments so as not to put "all your eggs in one basket".

Can you invest €500? Find out about interesting investments and savings products to generate more income with Birdee!

How to invest €500 usefully?


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