Complete Guide to Small Investment Methods: Save 1,000 Yuan per Month to Double Your Assets

Inflation is soaring, prices are skyrocketing, and putting money in bank savings accounts can no longer keep up with the rate of currency depreciation. For young professionals just starting their careers and with limited funds, how to plan their finances with a small amount of capital to gradually grow their assets has become a pressing issue.

But here’s a question many have asked:

• Is it really possible to start investing with 1000 yuan or less?
• Are there low-risk methods that can still yield decent returns?
• With so many investment platforms out there, how do you choose without getting burned?

Don’t worry, this article will outline the most common small-scale investment methods in the market and reveal which platforms are truly reliable, helping you build your investment portfolio from zero.

What can you do with 1000 yuan per month? 6 Small Investment Methods Explained

Rather than letting your hard-earned money sit in the bank earning interest, it’s better to take proactive steps and make your money work for you. With the development of online finance, the barrier to small investments has long been lowered; the key is choosing the method that matches your risk tolerance.

Based on risk levels, small investment methods can be roughly divided into three categories:

Low-Risk Conservative Methods

1. Foreign Currency Fixed Deposits

Renminbi fixed deposit interest rates have been low for a long time, so many investors turn to USD, EUR, GBP, and other foreign currencies for fixed deposits to boost returns. Major banks offer foreign currency account services, with minimum investments usually starting at over 100 USD.

Advantages include relatively higher interest rates, and if the exchange rate appreciates, you can earn additional profits; disadvantages involve exchange rate fluctuations and liquidity issues of the currency.

2. Recurring and Lump-Sum Fixed Deposits

This is the safest option. Regularly depositing 1000–5000 yuan each month into fixed deposits, maturing after one, three, or five years to receive interest in one lump sum. For beginners, this approach causes little financial or psychological pressure.

The benefit is almost zero risk (unless the bank fails), very low operational barriers; but the returns are indeed limited.

Medium-Risk Balanced Methods

3. Regular Investment in Funds or ETFs

Suitable for investors aiming to accumulate assets over the long term. There are many types of funds, from stable bond funds to aggressive equity funds. Long-term investing can effectively diversify market volatility risks.

Advantages include low investment thresholds, managed by professional fund managers; disadvantages require some financial knowledge, and short-term fluctuations may cause psychological stress.

4. Gold and Precious Metals Investment

Gold has always been seen as a hedge against inflation. Many platforms now offer small-amount gold purchasing services, allowing investors to adjust the purchase quantity freely based on their funds.

Gold is relatively stable and has hedging functions, but its returns are not as attractive as higher-risk commodities.

High-Risk Aggressive Methods

5. Small-Scale US Stock Investment

The US stock market has over 8,000 stocks, far more than Taiwan’s approximately 1,600, providing greater selection. Also, US stocks can be bought and sold in units of 1 share, making it suitable for investors with limited capital. The account opening threshold is generally around 10,000 TWD.

Advantages include high liquidity, a large market scale, and high return potential, but the risks are relatively higher, requiring some stock-picking skills and risk management experience.

6. CFDs and Derivative Products

Contracts for Difference (CFD) allow you to trade almost any asset with price fluctuations—forex, precious metals, crude oil, cryptocurrencies (e.g., Bitcoin BTC at about $87.88K), etc. The minimum investment can be as low as 1–100 USD.

Benefits include two-way trading, support for T+0 operations, and low margin requirements, but due to leverage use, the risk of loss is high. Only suitable for experienced traders.

8 Key Indicators for Choosing an Investment Platform

When facing a variety of investment apps, you should evaluate them from these angles:

1. Trading Smoothness — Is the platform stable? Does it often lag or crash?
2. Financial Regulation — Is it authorized and supervised by legitimate authorities?
3. Customer Service Quality — Can issues be resolved quickly with professional support?
4. Fee Structure — Are the fees transparent and competitive?
5. Deposit and Withdrawal Convenience — Are deposits and withdrawals quick and easy?
6. Demo Account — Can you practice with virtual funds first?
7. Educational Resources — Are there sufficient analysis tools and investment tutorials?
8. Security Measures — Are account protections and data encryption adequate?

When opening an account, don’t forget basic protections: avoid logging in with social media accounts, install antivirus software, and don’t reuse passwords.

7 Small Investment Platforms Worth Trying

Global Derivatives Trading — Mitrade

Regulated by ASIC (Australia) and CIMA (Cayman Islands), the platform supports forex, gold, stocks, indices, cryptocurrencies, and more. Minimum deposit is only 50 USD, with zero commission, competitive spreads, and leverage up to 200x.

Built-in risk controls like stop-loss, take-profit, and negative balance protection make it suitable for small-cap short-term traders. Available on web and app, with a simple, user-friendly interface. Beginners are advised to start with a demo account.

Products: Forex/Gold/Indices/Bitcoin/US Stocks CFD | Min Deposit: 50 USD | Rating: 4.2 stars

Social Trading Platform — Etoro

An Israeli CFD broker operating in over 140 countries, featuring social trading—allowing you to copy top traders’ portfolios directly. Supports US stocks, ETFs, commodities, indices, forex trading, with a minimum deposit of 200 USD.

As a platform regulated by both UK and Australian authorities, it’s especially suitable for beginners wanting to follow expert strategies.

Products: US Stocks/ETF/Commodities/Indices/Forex CFD | Min Deposit: 200 USD | Rating: 4.3 stars

US Stock Trading Expert — First Securities

A leading online broker in the US, offering a Chinese interface, specializing in US stocks, ETFs, and options. Launched a zero-commission model early on, with the lowest trading costs in the industry. No minimum deposit requirement, ideal for beginners and active traders.

Intuitive and straightforward interface, quick account setup and order placement.

Products: US Stocks/ETF/Options | Min Deposit: None | Rating: 4.8 stars

Global Asset Allocation — Interactive Brokers

Founded in 1978, a major US retail broker covering 24 countries. Offers stocks, ETFs, forex, funds, bonds, futures, CFDs, and nearly all asset classes. Very low trading costs, no minimum deposit.

Mainly serving experienced traders, regulated by top agencies like FCA and SEC.

Products: Global Stocks/ETF/Bonds/Funds/Futures | Min Deposit: None | Rating: 3.8 stars

Local Choice in Taiwan — Yuanta Securities’ Mr. Investment

One of Taiwan’s first securities firms with the most branches. The “Mr. Investment” app integrates stock picking, order placement, and offers products like futures, gold savings, funds, and forex. Minimum investment starts at 1000 yuan, with easy and intuitive operation.

Best suited for Taiwanese investors wanting localized financial management.

Products: Stocks/Futures/Funds | Min Deposit: 1000 yuan | Rating: 4.3 stars

Digital Finance for Young People — Taishin Richart

A digital bank designed for young users, with extremely low investment thresholds—starting from just 10 yuan. Offers funds and financial products matching different risk preferences, plus savings, remittance, and budgeting features to meet daily financial needs.

Five free transfers per month, and a 1% savings interest rate if spending targets are met.

Products: Lump-sum Fixed Deposits/Funds | Min Deposit: 10 yuan | Rating: 3.6 stars

Comprehensive Financial Services — CTBC Bank

Taiwan’s largest private bank with the most complete financial services. The “SmartMove GO” app allows you to buy funds with just 1000 yuan, automatically adjusting your investment portfolio, saving you research time.

Offers deposit, foreign currency, and fund products.

Products: Deposits/Foreign Currency/Funds | Min Deposit: 1000 yuan | Rating: 4.5 stars

Quick Platform Comparison Table

How to Start Trading with Small Capital on Mitrade

Step 1: Open an account online (demo or real, via mobile app)

Step 2: Search for assets to trade, e.g., Gold (XAUUSD), Bitcoin (BTCUSD, current price $87.88K)

Step 3: Choose long or short position based on market judgment—buy long or short sell

Step 4: Set the amount, leverage, stop-loss, and take-profit levels

Step 5: Confirm the order; the system will display real-time position status and profit/loss

Mitrade offers flexible leverage options (1X, 10X, 20X, 50X, 100X). Beginners are advised to start with low leverage or practice with a demo account.

Investment Tips: From 1000 Yuan to Asset Freedom

How to make small money grow quickly? The key is systematic planning.

Step 1: Calculate your monthly investable surplus, divide into three parts:

• One part into fixed deposits (stability)
• One part into low-risk assets (funds/bonds)
• One part into high-risk products (stocks/derivatives)

Step 2: Adjust proportions based on risk preference:

• Conservative: 5:3:2 (five parts fixed deposit, three low-risk, two high-risk)
• Balanced: 4:3:3 (equal distribution)
• Aggressive: 3:3:4 (more high-risk)

Step 3: Regularly review investment performance and gradually increase principal contributions

This strategy helps average out entry costs and allows flexible adjustments based on market conditions. More importantly, you’re working with time and compound interest to grow your wealth.

If you earn 20% annually on 1000 yuan, after ten years you’d have just over 6000 yuan. But if you keep investing 1000 yuan every month with the same 20% annual return, after ten years, your assets could approach 300,000 yuan. That’s the power of small, consistent savings.

Summary

Small investments are not a dream—they are the first step toward financial freedom. Whether you start with 10 yuan, 1000 yuan, or 100 USD, the key is to start immediately, build your own investment system.

Choose methods aligned with your risk level, trade on legitimate platforms, strictly follow your investment plan, and keep investing and compounding. This is the ultimate formula for small investors to grow their assets.

Don’t underestimate the power of saving spare change every month—start now, get your funds moving, and truly move toward financial freedom.