In 2025, novice investors have more tools than ever to start building wealth through their phones. Apps now combine powerful features with user-friendly designs, making investment concepts approachable.
Why App-Based Investing Matters
The rise of mobile-first platforms has ushered in unprecedented access to investing for those previously shut out by high fees or steep minimums. Beginners can open accounts with a few taps and small deposits.
With zero or low commissions, these apps remove traditional barriers and help new investors focus on learning rather than worrying about costs.
Top Investment Apps in 2025
Choosing the right app depends on your goals, whether you want guidance, self-directed trading, or automated portfolios. Here’s a snapshot of standout platforms:
Other noteworthy apps include M1 Finance, Vanguard, Ally Invest, Public Investing, and Invstr—each offering specialized features from ESG portfolios to educational simulators.
Essential Features to Seek
When evaluating platforms, make sure they offer:
- Commission-free trading on stocks, ETFs, and crypto.
- fractional shares of highly-valued stocks for entry-level investors.
- Minimal or no account minimums to get started quickly.
- In-app educational content: articles, videos, and quizzes.
- Paper trading or demo accounts to practice risk-free.
- Robust research tools: screeners, real-time data, and news.
- Optional CFP or advisor access for personalized guidance.
Popular Beginner Investments
Entry-level investors often begin with diversified, low-cost options:
- Exchange-traded funds (ETFs) covering broad market indexes.
- Low-cost index funds for passive exposure.
- Robo-advisor portfolios matched to risk profiles.
- Individual stocks via fractional share purchases.
- Bonds or bond ETFs for conservative balance.
Some platforms also provide access to crypto and options, but new investors should approach these with caution and education.
Costs, Promotions, and Best Practices
Most basic trades remain free. Premium tiers may charge $5–$10 per month for advanced research or higher APYs. Managed portfolios typically levy a small percentage fee, often around 0.25% annually.
Watch for welcome offers: apps like SoFi, JP Morgan Self-Directed, and M1 Finance often grant new users $100–$1,000 in free stock or cash when funding accounts. These promotions can provide a helpful kickstart.
Education, Support, and Pitfalls
Robust learning resources are critical. Platforms such as Fidelity and Charles Schwab host rich libraries of guides, video tutorials, and live webinars. Invstr and Stockpile offer gamified lessons for hands-on learning.
- Beware of overtrading when commissions are zero. Frequent trades can lead to poor decisions.
- Check for hidden fees: subscription charges or withdrawal costs may apply.
- Ensure the app supports your desired account types—IRAs, joint accounts, or custodial accounts as needed.
- Prioritize platforms with strong customer service and SIPC insurance.
Emerging Trends and Future Outlook
Gamification features—achievements, badges, and social leaderboards—are becoming more common to boost engagement. ESG-focused portfolios are also rising, letting users align investments with values.
Apps like Investing.com now include global tracking, economic calendars, and real-time alerts to help beginners stay informed across markets. Security remains paramount, with two-factor authentication and biometric logins standard.
Getting Started Wisely
Embrace the convenience of mobile investing but build a strong foundation. Start small, take advantage of demos, and devote time to in-app lessons.
Set clear goals—retirement planning, saving for a home, or building an emergency fund—and select investments that match your timeline and risk tolerance. With thoughtful planning and the right app, you can embark on set it and forget it investments or dive deeper into self-directed trading as you grow more confident.
By focusing on accessible tools, diligent education, and sound strategies, beginners can leverage today’s technology to transform their financial futures.
