If you can buy individual stocks, then you absolutely do have access to the Dow in the form of a myriad of ETFs [1][2][3]. There are also numerous standard mutual funds which consist of all the companies in the DJIA. This is what I thought you were referring to when you said you'd invest in the Dow, hence my comment.

[1] https://investor.vanguard.com/investment-products/etfs/profi...

[2] https://investor.vanguard.com/investment-products/etfs/profi...

[3] https://investor.vanguard.com/investment-products/etfs/profi...