How to build a $100,000 ASX share portfolio starting at zero

You don't need to wait until you have a big starting balance to build real wealth in the share market.

Plenty of everyday Australians have grown six-figure portfolios not because they started rich, but because they invested consistently, let time do the heavy lifting, and avoided trying to get rich quickly.

Here's how someone starting with almost nothing can grow a $100,000 portfolio over time.

Where to start

The perfect time to start investing in ASX shares is now. Markets go up, down, sideways, and sometimes all at once. What matters isn't timing the market; it is the time you spend in the market.

Even a modest weekly or fortnightly contribution into ASX shares can build real momentum surprisingly quickly.

For example, investing just $50 a week, which is an amount that many people spend on takeaway or subscriptions, adds up to $2,600 a year.

Combined with a long-term market return of around 8% to 10% per annum, that can snowball dramatically.

This is the quiet power of compounding. Each dollar you invest works for you, generating returns that begin generating more returns. The earlier you start, the more years you give those dollars to multiply and build wealth.

Choose investments that grow

If the goal is a $100,000 portfolio, your money needs to be working in assets with long-term growth potential. That means avoiding low-yielding savings accounts and instead leaning on high-quality ASX shares or exchanged traded funds (ETFs).

ASX shares like Xero Ltd (ASX: XRO), TechnologyOne Ltd (ASX: TNE), or Lovisa Holdings Ltd (ASX: LOV) are examples of high-growth options.

Alternatively, there are ETFs like the Betashares Nasdaq 100 ETF (ASX: NDQ), the Betashares Global Cybersecurity ETF (ASX: HACK), and the Vanguard Msci Index International Shares ETF (ASX: VGS) that could be worth considering.

How long does it take to reach $100,000?

If you invest $50 a week or the equivalent of $220 a month and earn 10% per annum, your portfolio could hit the following:

• $9,000 in around 3 years
• $50,000 in around 11 years
• $100,000 in roughly 16 years

If you can stretch to $100 a week or $440 a month, you could reach $100,000 in 11 years.

Foolish takeaway

Reaching a $100,000 portfolio isn't reserved for high-income earners. It is achievable for almost anyone who starts early and invests regularly.

The sooner you start, the sooner you will get there.

The post How to build a $100,000 ASX share portfolio starting at zero appeared first on The Motley Fool Australia.

Motley Fool contributor James Mickleboro has positions in BetaShares Nasdaq 100 ETF, Lovisa, Technology One, and Xero. The Motley Fool Australia's parent company Motley Fool Holdings Inc. has positions in and has recommended BetaShares Global Cybersecurity ETF, BetaShares Nasdaq 100 ETF, Lovisa, Technology One, and Xero. The Motley Fool Australia has positions in and has recommended BetaShares Nasdaq 100 ETF and Xero. The Motley Fool Australia has recommended Lovisa, Technology One, and Vanguard Msci Index International Shares ETF. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

The Motley Fool's purpose is to help the world invest, better. Click here now for your free subscription to Take Stock, The Motley Fool's free investing newsletter. Packed with stock ideas and investing advice, it is essential reading for anyone looking to build and grow their wealth in the years ahead. This article contains general investment advice only (under AFSL 400691). Authorised by Bruce Jackson. 2025