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Robin Hood
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- Available via desktop, Apple iOS and Android App on Google Play.
- Sign up here: [iOS], Android, Desktop
SoFi Invest is a stock market app that allows you to place stock and ETF trades alongside investing in cryptocurrency.
The well-known brand in the personal finance space recently entered into the investing world by offering free trades on stocks, ETFs, cryptos and more. SoFi doesn’t offer options trading nor mutual funds.
The service provides you the ability to trade actively or stand back and let its automated investing tools take over as a robo-advisor.
Therefore, this stock market app might make a good place to hold your investment accounts because you’ll have options of how to invest money.
The company wants to serve all customers who have an interest in improving their financial situation alongside participating in their other personal finance products like refinanced student loans, money management, credit cards and more.
- No trading fees or commissions
- No account minimums
- Invest in Stock Bits [fractional shares]
- Trade select cryptos
- Automated investing options for a hands-off approach
- Commission-free trading
- No account minimums
- DIY and automated investing options
- No socially-responsible robo-advisor functionality
- No tax-loss harvesting
Related: 11 Best Stock Tracking Apps [Investment Portfolio Management]
5. Betterment: Best Investment App for Tax-Loss Harvesting
- Available via desktop, Apple iOS and Google Android.
- Sign up here
You can use the Betterment robo-advisor platform to buy fractional shares of ETF index funds like the S&P 500 in taxable accounts as well as individual retirement plans.
The service does not allow you to invest in individual stocks but will automatically place deposits into fractional bits of index fund ETFs aligned with your portfolio objectives.
The features of this platform make it one of the best investment apps for beginners, specifically being most suitable to investors looking to diversify instantly as they make contributions to their accounts.
Essentially, this makes the service represent an entrance as a stock market for dummies solution.
The service charges an all-encompassing 0.25% assets under management fee but can justify this expense in taxable brokerage accounts through its tax-loss harvesting feature.
Lowering your taxable income through their tax-loss harvesting feature is one of the products that justifies the 0.25% AUM fee for holdings in a taxable account.
It works by selling losses to lock in short-term capital losses and lowers your taxable income while taking your proceeds and placing them into a similar investment.
This lowers your taxable income or other capital gains and quickly covers the 0.25% annual AUM fee.
Further, based on your intended financial goal, the company provides investment advice by tailoring your portfolios to accomplish these goals.
Betterment led the way for robo-advisor services and investing apps for beginners, growing from a small business to what now represents a significant book of business.
Using them has become a popular choice for people looking to invest toward specific goals without the need for any investing experience for a reasonable fee.
- This app gives you the tools, inspiration and support you need to become a better investor.
- Start with as little as $10 and use the top-rated mobile app to optimize your investment portfolio through automated investing and diversification
- Customize your risk tolerance and investment goals with guidance available at any time
- Nearly 750,000 customers use Betterment to invest
- Hands-off investment management
- Diversified portfolio that automatically rebalances
- Low-cost investment selection
- AUM fee
- Little control over investment selections
6. Robinhood: Best Stock Trading App for Beginners
- Available via desktop, Apple iOS and Google Android.
- Sign up here
Robinhood became the first commission-free stock trading app by slashing trading commissions to $0. Others in the industry had no choice but to follow if they wanted to remain relevant to retail investors.
Likewise, many new stock trading mobile app options like Robinhood have cropped up in recent years, many of which feature on this list.
The service offers commission-free stock trading, as well as the ability to make ETF trades, and participate in options trading and penny stock investing—all commission-free. Robinhood doesn’t support mutual funds on its mobile app or desktop trading platforms.
Robinhood’s stock trading app offers a simple and easy-to-use design, covering stock trading basics. Many have found this useful for placing their trades by not overcomplicated it.
Robinhood brokerage accounts have no account minimum requirements.
Robinhood carries Securities Investor Protection Corporation [SIPC] coverage on all brokerage accounts.
- 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 upon signing up for the service.
- Commission-free trading on ETFs, options & crypto
- Intuitive interface
- Desktop and mobile access
- Limited investment offerings
- Minimal technical analysis tools
- No robo-advisor functionality
7. Acorns: Best Investment App to Learn Financial Literacy
- Available via Apple iOS and Google Android.
- Sign up here
Acorns is an investing app for minors and young adults who wish to start with a small amount of money in their investments.
With more time, these recurring contributions and rounded up deposits from your purchases will grow into a larger portfolio. Hence the company’s name, Acorns: start small like an acorn but grow strong into a mighty oak tree.
Because portfolios start with small balances most often through Acorns, the service has no account minimum.
The robo-advisor micro investing app charges a monthly fee for users for providing investment advice through its robo-advisor functionality. Though, it doesn’t charge trading commissions when your gets invested on your behalf.
Instead, it charges an account fee depending on the subscription plan you select for your account.
Currently, the service has two offerings including Acorns Personal for $3/mo and Acorns Family for $5/mo.
These subscriptions provide various products which fit well for goals of young adults like investing young and managing your money prudently.
The service easily acts as one of the best money apps for kids with its all-in-one platform [Acorns Family].
Their plans come as follows:
- Acorns Personal [$3/mo]:
- Acorns Invest: Invests spare change through the popular “Round-ups” feature, earns bonus investments and provides access to financial literacy articles.
- Acorns Later: Offers tax-advantaged investment options like individual retirement accounts [IRAs]
- Acorns Spend: This service acts as your bank account, offering free withdrawals at over 55,000 ATMs nationwide and no account fees and the ability to earn up to 10% bonus investments
- Acorns Family [$5/mo]:
- Everything in Acorns Personal [Acorns Invest, Later and Spend]
- Acorns Early: This allows you to take advantage of the best way to invest $1,000 for your child’s future and can teach you how to invest as a teenager or minor through opening a custodial account.
Learn more in our Acorns review.
- From acorns, mighty oaks do grow. Grow your oak!
- In under 5 minutes, get investment accounts for you and your family, plus retirement, checking, ways to earn more money, and grow your knowledge.
- Famous for investing spare change automatically through Round-ups, this all-in-one financial app helps younger generations start investing earlier.
- Bonus: Get $10 to start
- Robo-advisor with affordable fees [on larger portfolios]
- Fixed fee model
- Round-ups
- High fixed fees for small balances
- No self-directed investing options
Related: Best Acorns Alternatives: Micro-Investing Apps to Use
8. M1 Finance: Best Robo-Advisor / Self-Directed Investment App Hybrid
- Available via desktop, Apple iOS and Google Android.
- Sign up here
M1 Finance offers commission-free stock and ETF trades but also provides automated stock trading according to your predetermined investment decisions as this site’s top robo-advisor pick.
What we like most about this app is the ability to make recurring deposits that automatically get invested into your portfolio.
M1 Finance acts as a singular personal finance app to assist with building wealth through automating your investments into diversified portfolios, having a bank account and linked debit card that provide market-beating interest rates and have access to valuable personal finance literature.
Most importantly, investing with M1 Finance can be as simple as depositing money, setting your stock and index fund selections and having the platform automate your investments on your behalf.
I’ve said it before, but this truly automates your investments if you set up recurring deposits, allowing your wealth to build.
From there, M1 Finance automatically rebalances your portfolio in line with your stated asset allocation targets. Doing this at regular intervals has been shown to improve overall portfolio performance.
It does so by moving outperforming funds into underperforming ones, capturing a value effect over time as returns revert to the mean.
Consider opening an investment account with M1 Finance. The app has no account minimum unless you choose to open an IRA, for which you’ll need to deposit at least $500.
Read more in our M1 Finance review.
- M1 Finance's Smart Money Management gives you choice and control of how you want to invest automatically, borrow, and spend your money—with available high-yield checking and low borrowing rates.
- Special Promotion: Open an account and get 3 months free of M1 Plus* [$31.25 value].
- Robo-advisor with self-directed investing capability
- No trading commissions
- Offers generous cash back on Owner's Rewards Card
- Limited trading windows
- High cost for M1 Plus service tier
9. Stash: Best Approachable Stock Market Investment App for Beginners
- Available via desktop, Apple iOS and Android App on Google Play
- Sign up here
Stash is a mobile-friendly personal finance app that comes paired with investing options and a checking account. Stash acts as a low-cost, all-in-one financial platform and gets included in this list as a result.
While the app primarily caters to hands-off investors looking to automate their investing, you can also actively select stocks to trade. You can do all of this as you spend money and make recurring deposits into your account.
Stash offers custodial accounts for real beginners [young investors], or those under the age of 18. Getting started early on your investing journey can build real long-term wealth over time as your returns compound.
Stash comes with a recurring monthly fee but justifies this with a full-service personal finance platform.
Of note, while it does charge a monthly account service fee for its full-suite of products, it does not charge trading commissions for your investment holdings nor does it have an account minimum.
- Stash is a personal finance app that simplifies investing, making it easy and affordable for everyday Americans to build wealth and achieve their financial goals.
- By signing up and making a $5 deposit, Stash will also provide a $5 sign up bonus.
- Robo-advisor with self-directed investing capability
- Fractional shares
- Offers values-based investment options
- Smart Portfolios don't offer tax-loss harvesting
- Charges monthly fee
10. Vanguard: Best Basic Free Stock and ETF Trades Stock Market App
Sign up here
This list wouldn’t be complete without the aptly-named company at the vanguard of fighting for the retail investor: Vanguard. The company has long sought to lower investing costs for retail investors by offering market index investments for increasingly affordable rates.
In fact, John Bogle originated the idea of index fund investing and first offered them to retail investors as mutual funds and eventually exchange traded funds [ETFs].
These low-cost investments have saved retail investors billions of dollars over the years, allowing their brokerage account returns to compound further.
While apps like Robinhood have slashed trading commissions to $0, Vanguard has led index fund investors to virtually $0 fund expenses as well. When combined, you invest in the stock market for almost nothing.
Talk about a great accomplishment for the small investor looking to invest steadily over time.
Vanguard excels as a free stock trading platform when you wish to buy and sell Vanguard securities like index fund ETFs or mutual funds. You pay no commissions on their ETF products like VTI, or mutual funds like VTSAX and VFIAX.
Further, the company also recently announced it will no longer charge trading fees on competitors’ ETF trades as well. This marks a departure from the company’s long-standing position of charging commissions on other investment firm’s ETF trades.
My only complaint about the stock market app comes from its clunky nature. In particular, I don’t see the app as some paragon of investing app functionality. I use the app for managing my work’s 401k plan and my son’s 529 brokerage account.
I will admit firsthand to its bloat and lack of clarity for calculating my investment returns. I’d never pick stocks individually and invest in them through the Vanguard stock trading app.
While the app shows raw dollar returns, it fails to do so on a percentage basis, complicating my understanding of how well they perform on an apples-to-apples basis with my investment vehicles I hold elsewhere.
As a counterpoint to this, by offering stripped down reporting and functionality, the stock trading app may encourage you to visit it less.
By touching your diversified investments less often, you won’t run the risk of fiddling with what usually works: holding diversified investments for long periods of time and seeing compounding returns.
- No minimums or trading commissions
- Low-cost investment leadership on funds
- Not designed for active traders
What Are the Best Stock Trading Apps for Beginners?
stock advisor services like the Motley Fool’s Stock Advisor and Rule Breakers have shown tremendous outperformance over the last two decades and really represent a significant value for investors looking to rely on others for making stock picks.
Some stock newsletters may even want to practice a more active form of trading and get vetted stock alerts sent directly to their phones to take advantage of market movements.
As long as you account for your risk preferences and level of commitment to following the market, your investment choices will depend on you.
No matter your investing style, when you want to get started investing, you want to look for apps that provide the functionality you want without feeling overwhelmed.
Therefore, the best stock trading app for you depends on your experience, trading goals, and desired level of educational support.
Beginners benefit from apps that have the least amount of fees and a lot of charts, quotes and educational stock research sites. But they also don’t want to get lost in all this distraction if they can’t make sense of the information provided.
The adage of “keep it simple, stupid” usually applies—especially at the start.
Apps that provide a one stop shop for managing your personal finances often act as a great starting point.
This means including your banking and investing needs, but also services that act as the best stock news apps for you to follow the market and learn as you go.
As you develop a better understanding of the market, you’ll want to extend your investing reach into new areas and see if other investing styles suit your needs. Your app should accommodate this.
With that in mind, this list of the best stock trading software platforms for beginners tries to offer simplified investing experiences at the start but ones which can still serve your needs as you grow your investing knowledge.
I try to highlight free apps where possible because investing your money shouldn’t come with charges unless the service provides other value-added products for managing your money.
Related Questions on Stock Investing Apps for Beginners
Below you will find several frequently asked questions related to the best investing apps for beginners.
Can I trade stocks for free?
Webull offers commission-free ETF, stock and options trading. You can use the service to open a Roth IRA, Traditional IRA, or Rollover IRA.
The service does not charge opening, closing or annual account fees. If you wish to add on a subscription to Nasdaq TotalView after your first three months, you can for a nominal $1.99/mo fee.
Be sure the app you choose to trade stocks has no account minimum as you might not have a significant amount of money at the start.
How much money you invest at the beginning doesn’t necessarily correlate to how much money you’ll have down the road. Everyone begins somewhere. So, you might as well not have limits at the beginning with an account minimum.
The investment apps highlighted here avoid an account minimum for trading stocks on their brokerage account options. Some require a minimum deposit for establishing an IRA.
What are the best stock trading apps for beginners?
- Robinhood
- Moomoo
- Webull
- Betterment
- SoFi Invest [iOS, Android, Desktop]
- Public.com
- Acorns
- M1 Finance
- Stash
- Vanguard
The Best Free Stock Trading App Platforms for Beginners
investing is also a great idea if you follow the “keep it simple, stupid” motto.