We get it, not everyone has $100,000 to sink into a well-diversified portfolio. But you have to start somewhere, or you’ll never be in that position. The good news is that you live in one of the world’s biggest financial hubs, and there are products that cater even to those on modest incomes. Here are a few things to look at:

1. Blue chip investment programmes

There are two participating banks we know of (OCBC and POSB) that offer blue chip investment programmes. For a minimum monthly sum of just $100, you can direct the bank to buy as many shares of a given company as you want.

For example, if you set aside $100 and ask for DBS shares, you will get 100 shares if the price is $1 per share. If the price is $2 per share, you will get 50 shares, and so on. You can ...