Some people think there are few, if any, investment choices for those with just $25 a paycheck to invest. The fact is there are ways to invest in bonds, stocks, and mutual funds with small amounts of money. Regardless of the size of the investment, you need to research the choices and select only those that are suitable. All investments, large or small, should match your own goals and time horizon. Here are some investments that can be made with relatively small amounts of money.

Savings Bonds

Savings bonds are sold directly by the U.S. Treasury, but may also be purchased through banks and other financial institutions, or through many employers. Savings bonds sell for half their face value and they reach face value at maturity (usually in about 10 to 17 years, depending on the interest rate the bond pays). For example, you can purchase a $50 savings bond for $25.

Treasury Bonds

Investors can buy Treasury bonds commission free directly from the U.S. government for a minimum of $1,000. Note that if bonds are sold before maturity, there is a small transaction fee.

Direct Investment Plans (DIPs)

DIPs allow current and first time shareholders to purchase a company's stock directly, without having to use a broker or pay commissions. DIPs are also known as 'no load stock. programs; however, some plans charge small administrative fees for transactions. Generally, you can get started in a DIP with a small minimum investment and fractional shares may be purchased. Some companies may even waive the minimum investment if you agree to participate in their automatic investment plan.

Investment Clubs

An investment club offers an opportunity for people to meet in a friendly, educational environment to learn about investing. By meeting and regularly investing small amounts of their pooled money, members learn how to research and invest in various stocks by direct application.

Mutual Funds

Often mutual fund accounts can be opened for less than the minimum by funding an IRA, using an automatic investment plan, or setting up a custodial account for a child.