How to make money without Investment?

How to Make Money Without Investment: A Step-by-Step Guide to Financial Success

In this step-by-step guide, I’ll show you how you can potentially make money without any initial investment and build wealth over time. The strategy I’m going to discuss involves creating a Demat account, referring others to trading and investing, and then using the earned commissions to invest in mutual funds for the long term.

Step 1: Create a Demat Account and Start Referring

  • The first step in your journey to financial success is to create a Demat account. A Demat account is an essential tool for trading and investing in the stock market.
  • Once you have your Demat account, start referring it to people who are interested in trading and investing. Many brokerage firms offer referral programs that reward you for bringing in new clients.
  • Depending on the brokerage, you can earn substantial commissions for each successful referral, ranging from $100 to $200 or even more. Imagine referring 10 people in a month; that’s at least $1,000 in your pocket!
  • Formula – Earnings=Number of Referrals×Commission per Referral.

Step 2: Invest Your Earned Commissions in Mutual Funds

  • With your referral commissions in hand, it’s time to put that money to work for you. One excellent way to do this is by investing in mutual funds.
  • Look for multi-asset mutual funds that provide diversification across various asset classes like stocks, bonds, and sometimes even alternative investments. These funds tend to be less volatile and can offer more stable returns.
  • Historically, multi-asset mutual funds have provided an average annual return of around 20%. This rate of return can vary, but it serves as a good starting point for your financial planning.

In this step, you can use the formula for compound interest to calculate the future value of your investments:



  • FV is the future value of your investment.
  • PV is the present value (the initial commission amount you invest).
  • r is the annual interest rate (20% in this case, or 0.20).
  • n is the number of years (15 to 20).

Now, let’s create a chart to visualize the potential future value of your investments over time. We’ll assume an initial commission amount of $1,000.

Years (n)Future Value ($)

Step 3: The Power of Compounding Over Time

  • The real magic of this strategy lies in the power of compounding over time. By investing your earned commissions in mutual funds for the long term, you give your money the opportunity to grow significantly.
  • Let’s say you invest your commissions for 15 to 20 years, consistently earning around 20% annually. The compounding effect can turn a modest initial investment into a substantial corpus.
  • Use online financial calculators or seek advice from a financial advisor to estimate your potential future wealth based on your investment horizon and expected returns.


By following these steps and staying committed to the long-term vision, you can build substantial wealth without any initial investment. The key is to start with a Demat account, leverage referral programs, and wisely invest your earnings in multi-asset mutual funds. Remember that while this strategy has the potential to generate significant wealth, it also requires patience, discipline, and a long-term outlook. Make informed investment decisions, monitor your progress, and watch your financial future flourish. Stay tuned for more financial tips and advice on my blog!

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