Start Investing in US Stocks with Just RM100

TL;DR: You can begin owning US tech giants like NVIDIA with as little as RM100 using fractional shares. No need to buy a full share that costs hundreds of dollars. Start investing today with these simple steps.

What Are Fractional Shares?

Fractional shares let you invest a fixed ringgit amount and receive a fraction of a share. Instead of buying 1 whole share, you buy 0.1 or 0.2 units.

Why the US Market?

Four reasons to invest in US stocks:

• Access to global leaders such as Apple, Tesla, Google, NVIDIA, and more
• Long-term growth potential from the world's largest, most liquid equity market
• Diversification beyond Malaysian economic and currency risk
• Lower barriers — Fractional shares mean you can start with RM100, not RM5,000

How Fractional Shares Help with RM100

Here's what fractional shares let you do:

• Start with a small amount while still accessing premium, high-priced stocks
• Build positions gradually over time (dollar-cost averaging) instead of waiting to save for a full share
• Own real company stakes — Your 0.11 NVIDIA shares earn real dividends and grow with the stock price

Simple RM100 Game Plan

Step 1: Convert RM100 to USD and Deposit

Open an account with a broker (details below). Deposit RM100. The broker converts it to USD automatically (RM100 ≈ USD 21 at current rates).

Step 2: Find US Stocks That Support Fractional Trading

Most major US stocks (NVDA for NVIDIA, AAPL for Apple, MSFT for Microsoft) support fractional shares on most brokers.

Step 3: Decide the Dollar Amount (Not Share Count)

This is the key difference. Instead of typing "1 share" or "10 shares", you type USD 20 or USD 21. The broker automatically buys you the fraction you can afford.

Step 4: Repeat Monthly to Build Your Position

Invest RM100 every month. Over 12 months, that's RM1,200 invested. With compound growth and reinvested dividends, your portfolio grows faster than expected.

Why Invest in NVIDIA (and Similar Tech Stocks)?

Real-World Example: Building Your Portfolio

Scenario: You invest RM100 today

Translation: Your RM100 earns about USD 0.12 in annual dividends (roughly RM0.55). Small? Yes. But add stock price growth. If these stocks grow just 10% in one year, your RM100 becomes RM110. After 5 years of 10% annual growth, it becomes RM161—without adding new money.

Quick Reference: The Top US Stocks for Beginners

🏆 Best for Growth: NVIDIA (NVDA)

AI and gaming chip leader. Fastest-growing company. Best for long-term wealth building (5–10 years). Dividend is tiny, but stock price grows fast.

⚖️ Best for Balance: Apple (AAPL)

Strong brand, growing profits, starting to pay more dividends. Good mix of growth and income. Safe choice for most beginners.

🛡️ Best for Stability: Microsoft (MSFT) & Coca-Cola (KO)

Microsoft: Cloud computing + Office dominance. Very stable, dividends growing yearly. Coca-Cola: Highest dividend yield, unchanged for 60+ years. Best if you want income.

4-Step Action Plan to Start Today

Step 1: Choose a Broker (10 minutes)

You need a platform that:

• Lets Malaysians buy US stocks
• Offers fractional shares
• Has low or zero commission for beginners

Step 2: Open Account & Verify (15 minutes)

What you need: Valid Malaysian IC, mobile phone, bank account. Complete eKYC (electronic Know Your Customer) verification with a video selfie.

Step 3: Deposit RM100 (5 minutes)

Transfer RM100 via online banking. Wait 1–2 business days for funds to arrive.

Step 4: Buy Your First Fractional Share (3 minutes)

Search "NVDA" (NVIDIA), select "Buy", enter "USD 20", click "Market Order", confirm. You now own fractional NVIDIA shares.

What Happens Next?

Every 3 Months: Dividends Arrive

Companies like Coca-Cola, Microsoft, and Apple pay dividends quarterly. Small amounts, but they add up. Reinvest them to earn "dividends on dividends".

Daily: Stock Price Moves

Don't check prices every day. It will stress you out. Remember: you're holding for 5–10 years, not 5–10 days.

Monthly: Keep Investing

The real magic is consistency. Invest RM100–500 every month. After 12 months, you've invested RM1,200–6,000. After 5 years, combined with growth and dividends, your money could double.

Duitwise Rating

Where Webull Fits In

In Malaysia, brokers that support US fractional shares make this RM100 strategy practical by allowing small, dollar-based orders into US stocks like NVIDIA. Webull Malaysia is one of the platforms that offers access to US markets with fractional share investing, making it easier for beginners to get started.

Where We Got This Information