Betterment is a fantastic choice for beginner and intermediate investors, and its user-friendly app is one of the highest-rated in the business. Best for: Investors who want a feature-packed brokerage and an excellent mobile trading app. TD Ameritrade offers two mobile apps, and customers can connect their accounts to one or both of them. TD Ameritrade's standard app is the simpler of the two and the best place to start. It's a user-friendly platform for checking accounts and buying and selling stocks.
The other option, thinkorswim, is designed for active traders and has nearly as much functionality as the award-winning desktop platform of the same name. TD Ameritrade's packed feature set rivals the best stock brokers in the market. Customers can open almost any type of account and access a vast library of educational resources and stock research. For passive investors, TD Ameritrade has one of the best robo-advisor platforms. It also has nearly 2, no-transaction-fee mutual funds.
Plus, the thinkorswim platform has an excellent practice "paper money" function. SoFi, short for Social Finance, sets out to be an all-in-one financial community. The company is best known for its lending business, which includes:. It also offers a high-yield savings account and an investment option called SoFi Active Invest.
You can use the platform for active trading or automated investing. Unlike many financial tech companies, SoFi lets you invest in traditional and Roth IRAs as well as cryptocurrencies and traditional securities. The best part? All of these features are available through a single, highly-rated app. Webull is a mobile-based trading platform with considerably more functionality than most of its rivals. There are no account minimums, and customers can trade stocks and options commission free.
For investors who use margin, Webull has some of the lowest rates in the industry. New investors can take advantage of Webull's virtual trading "play money" feature as they learn. This makes it one of the best mobile investing apps for hands-on beginners.
Best for: Investors who want a great mobile experience with all the features Fidelity has to offer. Fidelity's investing platform is user friendly and highly customizable. Through the app, users can set up a customized news feed, view stock research, and even deposit checks and pay bills. Plus, it's one of only a few brokerage apps to facilitate trading on international markets.
Charles Schwab offers a solid app for IRA investing as well as for all your routine investing and banking needs. You can manage a diverse array of account needs on the go. Compare that to many other stock brokers, which offer apps with slimmed-down feature sets that require you to manage your account online to take advantage of all features. Importantly for IRA account holders , you can make annual deposits and withdraw funds for your required minimum distributions RMD or other needs, along with paying taxes on those withdrawals.
Personal Capital doesn't offer a brokerage account or a robo-advisor. Instead, it's a budgeting, net worth tracking, and financial advisory platform to support your investing strategy. You can link all your financial accounts, including banks, brokerages, and even an employer's k.
The app gives a single-screen view of your entire financial life. The company makes its money by selling the services of its human financial advisors. But the free side of the business including the app is fantastic on its own. Best for: Experienced investors interested in mobile options trading. While it offers other types of investments, including cryptocurrencies, options are still its forte.
The tastyworks app puts all the most popular options trading strategies at your fingertips, including strangles, straddles, and iron condors. It also lets you view a trading activity feed and follow the moves of traders you like. There is a learning curve to tastyworks, and it doesn't have as many features as all-purpose investing apps. For those reasons, it's not designed for new investors. If your focus is options trading, tastyworks is hard to beat. Ally Invest's mobile app combines a few vital financial services in one easy-to-use app.
You can buy and sell stocks, ETFs, options, and mutual funds through this investment app. You can also access a number of features, including:. In short, Ally is a great financial app that also has impressive investing functionality. It's one of the best personal investment apps for people who want to keep their banking and investing in one user-friendly place.
Wealthfront is a robo-advisor with one of the highest-rated investment apps. It provides automated investment portfolios with low management fees. It has some excellent features, like Path, which analyzes the impact of investment decisions on your long-term financial health. Customers can also contribute to a high-yield savings account with debit card access. Best for: Beginning investors to put savings and investments on cruise control.
Acorns automates investing by rounding up each purchase you make with a connected credit or debit card and investing that spare change in one of five investment portfolios. The app is simple to use, as evidenced by its high user ratings. What's more, Acorns has straightforward and transparent pricing and offers a checking account with a debit card. Best for: Self-directed investing, stocks, ETFs, fractional-share trading, banking, line of credit.
M1 Finance is built for self-directed investors. You start by customizing your portfolio with stocks including fractional shares and ETFs, or choosing an expert-designed portfolio. You can answer questions about your financial goals and use M1's tools to make investment choices.
M1 shows you the balance of your portfolio with its "Pie" interface, which helps you easily see the performance of each stock or ETF. M1 also offers a banking account called M1 Spend, an FDIC-insured checking account with no monthly fee and no minimum balance. In the list above, we've included an array of investing apps, some for beginners and some for experienced investors, some for hands-on investing and some for set-it-and-forget-it investors. If you're brand new to investing and want to use an app tailored to your situation, check out our list of best online stock brokers for beginners.
Mutual fund options can be tough to find when you're browsing online stock brokers and investment apps. Many of these apps focus on more hands-off securities like ETFs and don't give you the option to invest in mutual funds. If you know you want mutual funds to be part of your portfolio, find the best stock broker for you on our list of best stock brokers for mutual funds. Many online stock brokers and investment apps have gotten with the program and added cryptocurrency options to their platforms.
But these are usually limited to a fraction of the available currencies and won't likely satisfy you if you're an experienced crypto investor or want to dive in deeper. Our list of the best cryptocurrency apps and exchanges includes some of the most popular apps dedicated solely to crypto trading, so you can choose from among hundreds of currencies instead of a handful.
Is it worth your time and money to get started with an investment app when you could probably sign up for your employer's retirement plan and talk to a local financial planner about where to put your money? For a lot of people, the answer is yes, but whether it makes sense for you depends on your unique circumstances and financial goals. The advantage most investment apps have over investment advisors and financial planners is cost. They tend to come with far lower fees than working with a human advisor, and some are even mostly free to use.
The other advantage investment apps have is automation. For low or no fees, you can set your money on autopilot and let it grow without your time or effort. If you prefer hands-on investing, you might want to go with a more traditional broker. And if you like personalized service or want to support businesses in your community, a local advisor might be a good choice for you instead of a robo-advisor.
Here are some great reasons why you should consider using an investment app or several. And here are three major downsides to watch out for when choosing an investment app. No investment app offers all of these at least, we haven't found one yet like some of the best stock brokers do. But here are some of the types of investments you can buy and sell with investment apps :.
We're here to help. Read our expert reviews and compare top brokerage accounts to find the best trading platform for your needs. How much money do you need to start investing? That depends on your long-term goals. You can find a broker or investment app that caters to any amount you want to invest.
So, instead ask, "What do you want your investments to do for you? A general rule of investing is to start ASAP. Your money grows more the longer you leave it in an investment account, so it doesn't help you to wait until you've saved thousands of dollars to make your first investment. If you just have a few dollars to spare each week or month, you can start with a micro investing app like Acorns. If you have a few hundred, you can start with a beginner-friendly app with more features, like Wealthfront or Betterment.
Before you decide how much you want to invest, set some financial priorities. Make sure you pay off debt first, build an emergency fund of liquid savings, and create a budget to cover your everyday expenses. Learn more: How much money do you need to start investing? Here are six things to look for when you're choosing an investing app:. We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
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Robinhood Open Account. Rating image, 4. Read Full Review. Special Offer Get a free stock with a new account. TD Ameritrade Open Account. Rating image, 5. Bottom Line TD Ameritrade's mobile platforms -- the standard app and the thinkorswim trading platform -- are among the most feature-packed in the industry. Ally Invest Open Account. Bottom Line Ally combines investment and personal financial accounts in one easy-to-use app.
Betterment Open Account. Bottom Line Betterment helped pioneer the robo-advisors business, and remains one of the best options. Bottom Line SoFi is a great lending, investing, saving, and personal finance app all rolled into one, making it a good fit for handling your money needs under one roof. Webull Open Account.
Bottom Line Webull offers a user-friendly stock investing platform with more features than some of its rivals, including cheap margin rates. Special Offer Up to five free stocks. Bottom Line A highly customizable and user-friendly mobile app, connected to one of the best brokerages in the U. Read Review. Charles Schwab. Bottom Line Few stock brokers have a mobile app that closely resembles the robust features and capabilities of their online experiences. Personal Capital. Bottom Line A great budgeting, net worth tracking, and financial advisor platform in one.
Fees: Free to download and use tracking tools, 0. Bottom Line tastyworks is laser-focused on options investing and its app is well-suited to options traders. Bottom Line One of the best robo-advisors for low costs and diverse investing needs, with an excellent mobile app to boot.
Acorns Open Account. Bottom Line A solid pick for investors that want to put their savings and investments on cruise control. M1 Finance. Bottom Line M1 Finance packs in robust investing and banking needs within a simple-to-use-app. If you don't know exactly how to set it up, you're more than welcome to use one of their already setup portfolios as well. Plus, M1 Finance has a great investing bonus offer right now! It doesn't get much better than M1 Finance when it comes to investing for free.
Fidelity is one of our favorite apps that allows you to invest for free. This surprises most people, because most people don't associate Fidelity with "free". However, Fidelity offers a range of commission-free ETFs that would allow the majority of investors to build a balanced portfolio.
The also offer fractional share investing, meaning that you can invest dollar-based, not just share-based. This is a big win for people starting with low dollar amounts. Fidelity IRAs also have no minimum to open, and no account maintenance fees. That makes this a much better deal compared to companies like Stash Invest. Furthermore, Fidelity just announced that it now has two 0. So, you can not only invest commission free, but these funds don't charge any management fees.
Truly free investing. But to make it a top app, it has to have a great app, and Fidelity does. Their app is the cleanest and easiest to use out of all of the investing apps we've tested. They have a ton of features, but it all works well together. Plus, you get the benefit of having a full service investing broker should you need more than just free. Check out Fidelity's app and open an account here. If you're a trader, you may have heard of TD Ameritrade - or maybe one of their platforms, like thinkorswim.
With TD Ameritrade's commission free pricing structure for stocks, options, and ETFs , they are more compelling than ever to use as an investing app. Because of the diversity of no load ETF funds, TD Ameritrade is my top broker for people who want to consider tax loss harvesting on their own.
That makes it a better pick to options such as Acorns , which charge maintenance fees. Filter for no load ETFs before you buy. Robinhood is an app lets you buy and sell stocks for free. Users can buy or sell stocks at market price. The app allows you to make limit orders and stop loss orders too. Plus, the app comes with a clean user interface and basic research tools. Most serious investors should pair Robinhood with one or more free research tools. This will help them develop a more systematic approach to investing.
They also allow options, fractional shares, and cryptocurrency investing, but these are limited as well. The drawbacks are really limited, but one of the biggest is that the platform has become unreliable in recent months with large outages impacting investors.
Robinhood Gold is a margin account that allows you to buy and sell after hours. Buying on margin means you double your expected returns. It also means you double your expected losses. The result based on the magic of compounding means that trading on margin tends to eat into your principal. Check out the other options for trading stocks for free. Check out our full Robinhood review.
They were one of the original mutual fund and ETF companies to lower fees, and they continually advocate a low-fee index fund approach to investing. You also pay no account service fees if you sign up to receive your account documents electronically, or if you're a Voyager, Voyager Select, Flagship, or Flagship Select Services client.
Furthermore, Vanguard recently announced that they won't charge a commission on a huge amount of competitor's funds and ETFs as well! Vanguard also doesn't have an account minimum, and there is no minimum purchase requirement for mutual funds, but stocks and ETFs it's the cost of 1 share.
What holds Vanguard back is that their app is a little more clunky that the other apps. It feels a little "old school", and it seems to be built for the basics only. If you're looking for professional help with your investments and financial planning, Vanguard offers Personal Advisor Services to help you build, execute, and continue to manage your financial plan.
These are fiduciary advisors and will help you create a plan based on your goals it's not a robot. It costs 0. There are a lot of apps and tools that come close to being in the Top 5. When the competition is so good, it's hard to make the cut. Webull has been gaining a lot of traction in the last year as a competitor to Robinhood.
It's an investment platform that is app-first, and it focuses on trading. Webull offers powerful in-app investment research tools, with great technical charting. This is a step above what you can find on most other investment apps. Read our full Webull review here.
Morgan Self-Directed Investing is the latest update from Chase when it comes to investing previously this was known as Chase You Invest. The great thing is that they made their platform truly commission-free. That's what makes it a runner up on our list of free investing apps. Read our full J. Morgan Self-Directed Investing review.
The information about J. The product details have not been reviewed or approved by the company. Ally Invest is a solid choice for free investing. They have a solid app that allows you to invest, and like others on this list, you can invest in stocks, options, and ETFs commission-free. Ally also offers solid bonus offers if you transfer your account to them. Read our full Ally Invest review here. In fact, Charles Schwab advertises that they offer more commission-free ETFs that most other companies, and they even offer some commission free mutual funds.
Public is another free investing platform that emerged in the last year. It's actually a rebrand of the Matador investing app. Public is one of the few investing apps that allows fractional share investing, and they've been growing a solid following. Read out full Public review here.
If you're looking for an easy way to do socially-responsible investing, check out Aspiration. They don't charge any commissions to invest, and it's super easy to start a portfolio of companies that are socially and bottom-line focused. Read out full Aspiration review here. While they do offer IRAs with no minimums, and charge no transaction fees, we didn't find their app as user friendly as the rest. Similar to their website, it's just a bit harder to use.
There are other investing apps that we're including on this this, but they aren't free. However, they are popular and may be useful to some investors. Acorns is an extremely popular investing app, but it's not free. Acorns allows you to round up your spare change and invest it easily in a portfolio that makes sense for you.
However, if you don't have a lot of money invested, that subscription cost can eat up your returns.
In just a short period of time, smartphones have become a ubiquitous part of life, and people are doing more and more things with them while on the go. Most brokers now offer apps you can use to trade stocks on your phone, making it easy to execute trades anytime, anywhere. If you like to take an active role in managing your portfolio or like to make frequent moves with your money, you might be interested in using a stock trading app.
We investigated to find the best apps out there, looking at factors such as their ease of use, minimum deposits, and the fees they charge. We selected TD Ameritrade Mobile as our best overall trading app for a few reasons. You can open an account with TD without having to make a minimum deposit, and most trades incur no commissions or other fees. The app itself is sleek and easy to use, making it simple to navigate and manage your account.
Your account comes with free access to online courses that help you learn about different investing concepts. Another benefit of TD Ameritrade is that you can use it to open almost any kind of investing account, from a traditional brokerage to a trust account. You can easily do all of your investing for every purpose from a single app. No fractional share investing. Limited time offer. Terms apply.
Offer Disclosure. Its offering made our list of best trading apps for a few reasons. One is that you can easily do all your investing from within the app. You can open a traditional brokerage account, retirement accounts, plans or other education savings plans, and other types of accounts with the company. No matter your reason for saving, Fidelity should be able to help you.
Fidelity also makes trading easy for beginners. The company even offers zero-expense-ratio index funds, letting you build a diversified portfolio without having to pay any investment fees. If you prefer to trade individual securities, the app is easy to use for that. Where tastyworks shines is with derivatives such as options. Where many brokers will charge high commissions and fees for these types of trades, tastyworks keeps fees low and sets a cap on the fees it can charge in a single transaction.
That means that active options and crypto traders who want to move large amounts of money can do so at a very low cost using tastyworks. While many people looking for a mobile trading app want one because it makes it easy to make trades and manage their accounts on the go, some people want a helping hand when it comes to investing. Based on that information, the program automatically will design a portfolio for you and handle the day-to-day management of your money.
All you have to do when using the app is decide when to add funds or when to make a withdrawal. You also can update your goals to adjust your portfolio as needed. Low minimum for a robo-advisory service. Some people choose to be highly active traders, moving money in and out of securities multiple times a day.
Day trading in this way can be a lucrative, if risky, pursuit. Having a powerful stock trading app means you can work from your phone, no matter where you are. InteractiveBrokers is designed with these active traders in mind. You can use more than order types to buy and sell securities such as stocks and options, and leverage your account balance to trade on margin, increasing your potential gains or losses. There are additional research and analysis tools as well. With the right app, you can get help with investment decisions and take steps to grow your savings over time.
When looking for the best app for you, consider the account minimums and fees charged, as well as whether the app is designed for traders who fit your profile. A stock trading app lets you invest in stocks, bonds, ETFs, mutual funds, and other securities from your phone. You can select the app you want to use based on a few factors, such as the minimum account balance required, the fees it charges, and the investment options available.
Many stock trading apps, including some on this list, let you get started with very little money. Learn more about M1 Finance ». Why it stands out: Ellevest encourages you to build an investment philosophy around your goals, whether that's starting a business, having kids, splurging on a vacation or other big purchase, buying a home, retiring on time, or simply building wealth. Your access to these goals can vary based on which membership plan you select. Then, this female-forward online adviser takes it a step further and considers your gender, lifespan, and earning potential to create a custom portfolio of mostly ETFs.
You can also opt for a socially responsible allocation, if that's important to you. As a fiduciary , Ellevest automatically rebalances and regularly updates your performance forecast, taking into consideration fees, taxes, and the occasional market crisis to show you whether you're on track to meet each of your goals — and what you can do to make up for it if you're not. The app also provides learning resources like email courses and live workshops.
There are no additional investment advisory fees on top of the monthly membership, but there are underlying fees charged by the ETFs in your portfolio. What to look out for: You'll have to spring for the higher-tier offerings if you want more specific guidance for your goals beyond "build wealth. As with any investment app that charges monthly fees rather than per-account advisory fees, it's important to note how much of your balance they represent. Learn more about Ellevest ».
Why it stands out: You'll find any type of investment you're looking for at Charles Schwab. These include but aren't limited to self-directed stock trading, crypto coin trusts and bitcoin futures, mutual funds, and retirement accounts. But it's the Schwab Intelligent Portfolio , the brokerage's robo-adviser, that ultimately outshines competitors.
Your risk tolerance profile will help experts design a custom portfolio of Schwab ETFs that will be rebalanced regularly. All portfolios include a cash allocation, which is deposited in a Schwab high-yield account. A free add-on feature called Schwab Intelligent Income can help you generate a monthly paycheck from your brokerage or retirement accounts.
There are also comprehensive online financial planning tools available that let you to link up various accounts to track your progress toward goals and forecast different scenarios on your own. As with any investment, you're responsible for paying the underlying fees in the ETFs in your portfolio.
People may have varying risk capacities and financial goals they're working toward, but you'd be hard-pressed to find someone who doesn't prefer a cheaper way to invest. For that reason, cost was a huge factor in determining our list. To find the best investment apps, we set out to identify the companies that offer platforms that keep fees to a minimum generally below 0. In some cases, that means access to free financial planning tools — or financial planners themselves — and clear and easy-to-understand investment options.
We compared nearly two dozen brokerages, placing heavy weighting on their advisory and trading fees, investment philosophy, investment options, and types of accounts available. User experience is also important, so we also looked at each brokerage's accompanying mobile app and scoured reviews on the Apple Store and Google Play to find out what regular users think of the product.
Finally, we cross-referenced our research against popular comparison sites like Bankrate, the Balance, and NerdWallet to make sure we didn't miss a thing. Personal Finance Insider's mission is to help smart people make the best decisions with their money. We understand that "best" is often subjective, so in addition to highlighting the clear benefits of a financial product, we outline the limitations, too. We spent hours comparing and contrasting the features and fine print of various products so you don't have to.
In most cases, the best investment app for beginners is a robo-adviser that customizes a portfolio for you based on your goals and risk tolerance while keeping costs low, such as Fidelity, Acorns, or Ellevest. If you're just starting out investing, we don't recommend trading individual stocks and funds, unless you have guidance from an expert or a high capacity for risk. We interviewed the following four investing experts to see what they had to say about investment apps:.
Using an investment app helps you have better awareness of your financial situation. An app can greatly help to track progress towards financial goals and investment performance. An investment app can be great for keeping informed and up to date, but it can also allow you to make impulse decisions so proceed with caution.
It depends on how much guidance you're looking for. A robo-advisor will be able to create a portfolio based on a series of questions that you have answered. However, we know that as humans, we're way more complex than what a robo-advisor can provide.
Investment apps typically offer easy access to the stock market and allow retail investors to trade various securities. The downside is that all apps don't cater to those who prefer the face-to-face support of a human advisor. DIY investors should work with an investing app that best suits their situation. Whether that's the ability to trade investments online, have a robo-advisor, or [get] access to a call center.
Every platform offers similar but different resources. The key is finding the one that works best for you. Whether you're a DIY trader or passive investor, there's probably an investment app out there for you. Consider using a brokerage account if you're comfortable with handling your investments on your own. If you prefer more guidance, automated investing apps could be a better option. Choose the platform that simplifies the investing and rebalancing process and offers the best transparency.
Find the app that provides the best user experience and greatest value to your unique financial situation. When narrowing down your options, pay attention to fees, account types and investment choices, trading tools, and investment education resources. Check out: Personal Finance Insider's review of Robinhood. Disclosure: This post may highlight financial products and services that can help you make smarter decisions with your money.
We do not give investment advice or encourage you to adopt a certain investment strategy. What you decide to do with your money is up to you. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.
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Account Minimum. Investment Types. Editor's Rating. SoFi Invest. Pros No minimum to start investing No account or trading fees, and low fees to own funds Access to Certified Financial Planners at no additional charge Cryptocurrency trading available. Cons No tax-loss harvesting, an advanced investing technique where you sell a stock or mutual fund at a loss for a tax benefit No option for stop-loss orders when actively investing. SoFi's active investing account only uses market orders Currently only available to US residents.
App store rating: 4. Fidelity Go. Cons Want to actively trade different investments or capitalize on short-term stock market trends Prefer ETFs over mutual fund portfolios Want both automated management and financial advisor advice Like tax-advantaged features like tax-loss harvesting. More Information Promotion: None at this time. Cons Lack of investing research and trading tools; can only take advantage of professional research if you're a Robinhood Gold member No retirement accounts, joint accounts, education savings accounts, or mutual funds Limited customer service availability Doesn't offer automatic transfer on death or allow users to name beneficiaries.
More Information App store rating: 4.
Best Investment Apps at a Glance ; Stockpile, $0, $0, but $5 required to start investing ; Acorns, $1-$5 per month, $0 ; Wealthfront, %. Robinhood is an investing app famous for its commission-free trades on ETFs, options and cryptocurrency. It has no account minimums and comes with a free stock. Acorns is a great investment app for beginners. This app is especially useful if you want to bolster your savings and invest without even thinking about it.