📈 Best Investing Apps for Beginners – Earn More with Less Risk in 2025 💰
Best Investing Apps for Beginners :Are you thinking of investing but don’t know where to begin? You’re not alone! In 2025, more beginners are turning to easy-to-use investing apps that help them grow their wealth with lower risks and higher convenience. Whether you want to invest in stocks, ETFs, or cryptocurrencies — there’s an app for every type of investor. 🧠📲
Below is a carefully curated list of the top 10 investing apps designed specifically for beginners. These apps help you earn more with less risk, thanks to their automated features, low fees, and user-friendly interfaces.
🌟 1. Acorns – Best for Automated Investing
Platform: iOS, Android, Web
Price: Starts at $3/month
Acorns is a favorite for beginners who don’t want to think too much about investing. It automatically rounds up your purchases and invests the spare change into diversified portfolios.
🔍 Features:
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“Round-up” investing from everyday purchases
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Pre-built diversified portfolios
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Educational content for beginners
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IRA and retirement accounts available
🍃 Great for passive investors who want to grow their savings without effort.
💸 2. Robinhood – Best for Stock & Crypto Trading
Platform: iOS, Android, Web
Price: Free (with optional Gold membership at $5/month)
Robinhood lets you invest in stocks, ETFs, and cryptocurrencies with no commission fees. Its easy interface is perfect for first-time traders.
🔍 Features:
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No commission fees
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Fractional shares available
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Crypto trading (Bitcoin, Ethereum & more)
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Simple, clean UI
📉 Ideal for those who want to start trading with a small budget.
🧠 3. Public – Best for Learning While Investing
Platform: iOS, Android, Web
Price: Free (tips-based)
Public is unique because it combines investing with a social media experience. You can follow other investors and see how they’re investing in real-time.
🔍 Features:
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Fractional shares starting at $1
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Community feed with real-time discussions
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Educational content built-in
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Safe, beginner-friendly platform
👥 Perfect for beginners who want to learn from others.
🛠️ 4. Stash – Best for Custom Portfolios
Platform: iOS, Android, Web
Price: Starts at $3/month
Stash makes investing approachable by offering curated portfolios, fractional shares, and guidance. It also includes banking features like a debit card that earns stock.
🔍 Features:
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Fractional investing
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Themed ETFs and stock picks
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Automatic investing tools
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Banking + investing in one app
💡 Best for beginners who want more control but need help getting started.
🤖 5. Betterment – Best Robo-Advisor App
Platform: iOS, Android, Web
Price: 0.25% annual fee (Digital plan)
Betterment is a robo-advisor that automatically invests your money in a personalized, diversified portfolio. It’s ideal for hands-off investors looking for long-term growth with low risk.
🔍 Features:
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Automated portfolio management
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Tax-loss harvesting
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Retirement planning tools
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No account minimums
🔒 Great for beginners who want expert-backed investing without doing the work themselves.
🧾 6. Fidelity – Best Full-Service App for Beginners
Platform: iOS, Android, Web
Price: Free trading
Fidelity offers a powerful yet beginner-friendly platform with a wide range of investments, including mutual funds, ETFs, and retirement accounts.
🔍 Features:
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$0 commissions on stock and ETF trades
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Educational tools and resources
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Retirement and savings calculators
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Award-winning customer service
🏛️ Ideal if you want to start small and scale your portfolio with a trusted brand.
🐿️ 7. SoFi Invest – Best for All-in-One Finance
Platform: iOS, Android, Web
Price: Free
SoFi Invest is part of the SoFi ecosystem, which also includes banking, lending, and credit. It’s a great choice for beginners who want to handle all their money in one place.
🔍 Features:
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Stock, ETF, and crypto investing
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Free financial advice
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Fractional shares available
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No account minimums
📲 All-in-one app for total financial management.
💼 8. Wealthfront – Best for Goal-Based Investing
Platform: iOS, Android, Web
Price: 0.25% annual fee
Wealthfront is another robo-advisor that’s best for goal-setting investors. Just answer a few questions, and it creates a portfolio aligned with your financial objectives.
🔍 Features:
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Custom goal planning (house, college, retirement)
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Automated rebalancing
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Low fees and no hidden charges
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Tax-efficient strategies
🎯 Best for beginners planning long-term goals.
📚 9. M1 Finance – Best for DIY Investors
Platform: iOS, Android, Web
Price: Free (M1 Plus at $10/month for extras)
M1 Finance is great for those who want to build their own portfolios but with automated investing and rebalancing.
🔍 Features:
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Create “pies” of investments
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Auto-rebalancing
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Fractional shares
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Borrowing and banking features
📊 Best of both worlds: control + automation.
🔐 10. Charles Schwab – Best Traditional Firm for Beginners
Platform: iOS, Android, Web
Price: Free trading
Charles Schwab combines legacy financial expertise with modern tools for beginner investors. It offers extensive educational materials and a strong support network.
🔍 Features:
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No commissions
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Robo-advisor option (Schwab Intelligent Portfolios)
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In-depth research tools
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24/7 support
📈 Perfect for beginners who want professional tools with a safety net.
🧠 How to Choose the Right Investing App?
| Your Goal | Recommended App |
|---|---|
| Hands-free investing | Betterment, Wealthfront |
| Learn while you invest | Public, Stash |
| Invest spare change | Acorns |
| Trade stocks or crypto | Robinhood, SoFi |
| All-in-one money management | SoFi, M1 Finance |
| Classic investing platform | Fidelity, Charles Schwab |
✅ Tips for Beginners to Reduce Investment Risk
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Start small – Invest amounts you’re comfortable losing. 🧧
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Diversify – Don’t put all your money into one stock. Spread it out. 📊
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Think long-term – Avoid short-term hype. Focus on 3–10 year goals. 🕰️
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Stay consistent – Invest regularly, even if it’s a small amount. 📅
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Use robo-advisors – Let smart algorithms handle the complex stuff. 🤖
📝 Conclusion
Getting started with investing in 2025 has never been easier. Thanks to user-friendly apps and tools, beginners can invest with minimal risk and maximum convenience. Whether you want automated investing, stock trading, or just learning from other investors — there’s a perfect app waiting for you.
🚀 Start small, stay consistent, and watch your money grow. The journey to financial freedom begins now!
