Best Beginner Investing Apps (USA 2025)
Best Beginner Investing Apps (USA 2025)
The world of investment has become more accessible than ever for the new investor, thanks to modern tools designed for simplicity. In 2025, investing apps are transforming how people start investing, offering features like fractional shares, automated portfolios, and low fees.
These platforms eliminate barriers such as high account minimums, making it easier for everyone to participate. With $0 commissions and intuitive interfaces, even beginners can confidently trade stocks, ETFs, or mutual funds.
Security is also a priority. Most apps are backed by SEC safeguards and SIPC insurance, protecting investments up to $500,000. This ensures peace of mind for users exploring the market.
For younger investors, mobile-first platforms like Acorns and E*TRADE stand out. They offer unique features, such as automated "spare change" investing, tailored to Gen Z and millennial lifestyles.
As market volatility continues in 2025, these tools provide an excellent entry point for long-term growth. Whether you're new to the game or looking to diversify, modern investing apps make it easier than ever to get started.
Key Takeaways
- Modern apps simplify trading with features like fractional shares and automated portfolios.
- Low fees and $0 account minimums make investing accessible to everyone.
- SEC safeguards and SIPC insurance protect investments up to $500,000.
- Platforms like Acorns automate "spare change" investing for convenience.
- Mobile-first designs cater to Gen Z and millennial investors.
Why Start Investing in 2025?
Building wealth is within reach for everyone in 2025. With historical stock market returns averaging 10% annually, the potential for growth is significant. Even with market volatility, this can be a buying opportunity for long-term goals.
One of the most compelling reasons to start investing is compound growth. For example, investing $500 monthly at a 7% return could grow to $580,000 in 30 years. This strategy helps beat inflation, which is projected at 3.2% in 2025, ensuring your cash retains its value.
Younger investors, especially millennials and Gen Z, are embracing this opportunity. A recent study shows 68% of under-35 investors now use apps instead of traditional brokers. This shift is driven by features like ESG portfolios and crypto ETFs, which cater to modern values and interests.
Platforms like Wealthfront demonstrate the power of automation. Their portfolios outperform savings accounts by 4x, making them a smart choice for beginners. Additionally, apps like Fidelity offer Roth IRA options, providing tax advantages that can boost your retirement savings.
Many people hesitate, thinking they need to wait for the "perfect time" to invest. However, dollar-cost averaging proves this myth wrong. By consistently investing small amounts, you reduce risk and take advantage of market fluctuations. The key is to start now and stay committed to your investment journey.
What Makes an App Great for Beginners?
For beginners, the right tools can transform the investing experience. A great platform simplifies the process, offering features that cater to new investors. From intuitive design to robust educational resources, these apps ensure a smooth start.
One standout feature is an intuitive interface. Apps like Robinhood use swipe-to-trade functionality, while Fidelity offers customizable dashboards. These designs make navigation easy, even for those unfamiliar with trading.
Safety is another priority. Many platforms include biometric logins, FDIC/SIPC coverage, and fraud alerts. These features protect users' assets and provide peace of mind.
Demo accounts are also invaluable. E*TRADE, for example, offers a $100K virtual portfolio simulator. This allows beginners to practice without risking real money.
Automation is another game-changer. Acorns' Round-Ups® and Wealthfront's tax-loss harvesting simplify investing. These features save time and help users stay consistent.
Community elements, like Webull's social feed, let users share strategies and learn from others. Cross-device sync ensures portfolios are accessible on Apple Watch, desktop, and mobile.
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In summary, a great app for beginners combines ease of use, safety, and learning opportunities. These features ensure a positive user experience and set the foundation for long-term success.
How to Choose the Best Beginner Investing App
Selecting a suitable app requires understanding your financial goals. With 73% of beginners prioritizing $0 commissions and 41% seeking fractional shares, it’s clear that accessibility and flexibility are key. Start by evaluating your needs and matching them to the right platform.
One of the first factors to consider is fees. While many apps advertise commission-free trades, hidden custody fees can add up. Compare platforms like Webull, which offers low-cost trading, and Fidelity, known for its comprehensive services. A clear fee checklist ensures you avoid unexpected costs.
Next, examine account minimum requirements. Some apps, like Acorns, allow you to start with no minimum, while others may require a higher initial deposit. If you’re planning joint accounts or custodial options for teens, ensure the platform supports these features.
Diversity in investment options is another critical factor. Webull stands out for crypto availability, while Fidelity excels in mutual funds. Look for platforms that align with your interests, whether you’re focused on stocks, ETFs, or alternative assets.
Risk management tools are essential for long-term success. Features like rebalancing alerts and dividend reinvestment automation can help you stay on track. Additionally, apps with strong security measures, such as 2FA and data encryption, provide peace of mind.
|
Feature |
Webull |
Fidelity |
E*TRADE |
|
Fees |
Commission-free trades |
Low custody fees |
No hidden fees |
|
Account Minimum |
$0 |
$0 |
$500 |
|
Investment Options |
Crypto, stocks |
Mutual funds, ETFs |
Stocks, options |
|
Risk Management |
Rebalancing alerts |
Dividend reinvestment |
Fraud alerts |
Finally, consider the level of support offered. E*TRADE provides 24/7 chat, while Fidelity has in-person centers for hands-on assistance.
Platforms with tutorials, like those highlighted in a NerdWallet study, have 22% higher user retention, making them a smart choice for beginners.
By focusing on these factors—fees, account minimum, investment options, and risk management—you can find an app that meets your needs and sets you up for success.
Top Picks for Beginner-Friendly Platforms
Navigating the world of financial tools can feel overwhelming, but the right platform can make all the difference. Whether you're looking to trade stocks, build an investment portfolio, or explore mutual funds, these apps cater to diverse needs. Here are the top picks for 2025.
E*TRADE: Best Overall
E*TRADE stands out with its seamless Morgan Stanley integration and access to over 10,000 no-fee mutual funds. The Power E*TRADE app offers advanced tools for both beginners and experienced users.
With options contracts priced at $0.50-$0.65, it’s a versatile choice for building a diversified investment portfolio, making it an excellent option for anyone looking to enhance their financial growth.
Wealthfront: Best Automated Investing
Wealthfront simplifies investing with its 17-asset-class portfolios and $500 minimum requirement. It’s ideal for those who prefer a hands-off approach.
The platform also offers crypto and ESG ETF options, catering to modern investors. A 0.25% AUM fee ensures transparency and affordability.
Interactive Brokers: Best for Active Traders
With access to 90+ global markets and an Options Wizard tool, Interactive Brokers is perfect for active traders. Crypto fees are as low as 0.12%, making it a cost-effective choice for those exploring alternative assets. Its robust tools and low costs make it a standout option.
Webull: Best Low-Cost Trading
Webull offers 24/7 trading and free Level 2 data, making it a favorite among cost-conscious users.
The March 2025 launch of Webull Premium, priced at $3.99/month, adds even more value. Its intuitive interface and affordability make it a top pick for beginners.
Fidelity: Best Full-Service Investing
Fidelity provides zero-expense ratio index funds and access to Bitcoin ETFs, making it a comprehensive choice. The Youth app for teens is a unique feature, encouraging early financial literacy. Its full-service offerings cater to a wide range of investors.
Acorns: Best for Saving
Acorns simplifies saving with its $3-$12/month tiers and 3% IRA match. The real-time Round-Ups® debit card turns everyday purchases into investments. It’s an excellent choice for those looking to grow their savings effortlessly.
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Choosing the right investment app depends on your goals and preferences. Whether you prioritize low costs, automation, or diverse options, these platforms offer something for everyone. Start your journey today and open account with confidence.
Comparing Fees and Account Minimums
Understanding costs is crucial when selecting a financial platform. Different apps have varying fees and account minimum requirements, which can impact your overall returns. Let’s break down the key factors to consider.
First, examine commissions for trades. While many platforms advertise $0 fees, hidden costs like inactivity charges or ACAT transfer fees can add up.
For example, Acorns charges a 0.25% AUM fee for accounts under $1M, while Webull offers $0 equity commissions.
Account minimums also vary widely. Webull allows you to start with $0, making it accessible for those with limited cash. On the other hand, Wealthfront requires a $500 minimum deposit, which may not suit everyone’s budget.
Hidden costs are another critical factor. Some platforms charge inactivity fees, while others impose ACAT transfer charges. Always read the fine print to avoid surprises.
IRA match rates can also influence your decision. Acorns Gold offers a 3% match, while Fidelity provides no bonus. These features can significantly boost your long-term savings.
|
Platform |
Stock/ETF
Commissions |
Options Contracts |
AUM Fees |
|
Acorns |
$0 |
N/A |
0.25% |
|
Webull |
$0 |
$0.65/contract |
N/A |
|
Wealthfront |
$0 |
N/A |
0.25% |
Finally, consider margin rates and payment for order flow (PFOF) transparency. E*TRADE’s margin rate is 8.95%, while Webull Premium offers a lower rate of 6.99%.
Platforms that disclose PFOF usage provide greater transparency, helping you make informed decisions.
By comparing these factors, you can choose a platform that aligns with your financial goals and minimizes unnecessary costs.
Investment Options Available
Exploring the variety of investment options can help you build a diversified portfolio. Whether you’re interested in mutual funds, stocks etfs, or alternative assets, modern platforms offer something for everyone.
One of the most popular choices is mutual funds. Fidelity, for example, provides access to over 10,000 funds, making it easy to find options that align with your goals.
Interactive Brokers takes it a step further, offering access to 150 global markets for a truly international portfolio.
For those interested in etfs, the options are vast. Thematic ETFs focus on trends like AI and blockchain, while index ETFs track benchmarks like the S&P 500.
Fractional shares are another game-changer, allowing you to invest in high-priced stocks like Apple for as little as $1.
Crypto enthusiasts can choose between Bitcoin ETFs and direct trading. Platforms like Interactive Brokers and Webull cater to both preferences, ensuring flexibility. Bond ladders, such as Wealthfront’s Automated Bond Portfolio, provide stability for risk-averse investors.
Specialty assets, like event contracts tied to climate or politics, are also gaining traction. Interactive Brokers leads the way here, offering unique opportunities for those looking to diversify beyond traditional investments.
|
Platform |
Mutual Funds |
ETFs |
Crypto |
Bonds |
|
Fidelity |
10,000+ |
Index, Thematic |
Bitcoin ETFs |
N/A |
|
Interactive Brokers |
Global Markets |
Variety |
Direct Trading |
Event Contracts |
|
Wealthfront |
N/A |
ESG Options |
N/A |
Automated Bond Portfolio |
Finally, ESG filters are becoming a priority for many investors. Platforms like IMPACT app provide sustainability scores, helping you align your investments with your values. With so many options available, building a diversified portfolio has never been easier.
User Experience and Interface
A smooth and intuitive interface can make or break your experience with a financial platform. Modern apps prioritize design and functionality to ensure users can navigate effortlessly. From customizable dashboards to advanced charting tools, these features enhance the overall user experience.
Navigation is a key factor in determining how user-friendly an app is. Fidelity, for example, boasts a 4.8/5 rating on the App Store, thanks to its clean layout and easy-to-use features.
Webull follows closely with a 4.5/5 rating, offering swipe-to-trade functionality that simplifies the process.
Customization options also play a significant role. Watchlist alerts and dark mode preferences allow users to tailor the platform to their needs. E*TRADE’s Power app takes this further with technical indicators and live Bloomberg TV integration, providing real-time insights for informed decisions.
Cross-platform consistency ensures seamless access across devices. Whether you’re on a desktop or mobile, features like desktop-to-mobile sync speed keep your portfolio updated in real time. This eliminates the hassle of switching between devices.
Accessibility features, such as voice commands and font size adjustments, make these tools inclusive for all users. These thoughtful additions ensure that everyone, regardless of their needs, can navigate the platform with ease.
|
Feature |
Fidelity |
Webull |
E*TRADE |
|
Navigation Rating |
4.8/5 |
4.5/5 |
4.6/5 |
|
Customization |
Watchlist Alerts |
Dark Mode |
Technical Indicators |
|
Accessibility |
Font Size Adjustments |
Voice Commands |
Biometric Login |
In summary, a well-designed interface enhances the user experience, making it easier to manage your financial goals. Whether you’re a seasoned trader or just starting, these features ensure a seamless and enjoyable journey.
Educational Resources for Beginners
Educational resources are essential for anyone starting their financial journey. Modern platforms offer a variety of tools to help beginners learn and grow. From webinars to interactive calculators, these features make it easier to understand complex concepts.
Fidelity stands out with its 200+ free webinars, covering topics from basic investing to advanced strategies. Webull also excels, with trading courses that have enrolled over 350k users. These platforms provide structured learning pathways, ensuring you can progress at your own pace.
Interactive tools are another highlight. E*TRADE’s retirement calculator, for example, includes inflation sliders to help you plan for the future. Glossary features, like pop-up definitions for terms such as "beta," make it easier to grasp unfamiliar concepts.
Community-driven resources add another layer of support. Webull’s user-generated tutorial videos and Q&A forums allow beginners to learn from experienced investors. Interactive Brokers takes it a step further with certification programs, offering trading certificates to validate your skills.
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These educational resources empower beginners to make informed decisions. Whether you’re exploring basic concepts or diving into advanced strategies, the right tools can set you up for success in the world of finance.
Customer Support and Service
Reliable customer support can significantly enhance your financial journey. Whether you’re troubleshooting an issue or seeking guidance, quality service ensures a smooth experience.
Fidelity stands out with its 200+ physical centers, offering in-person assistance for those who prefer face-to-face interactions. On the other hand, E*TRADE provides 24/7 phone support, ensuring help is always just a call away.
Response times vary across platforms. Live chat averages a quick 2-minute wait, while email responses take around 6 hours. For visual learners, Acorns offers video tutorials, while Wealthfront uses AI chatbots for instant answers.
Multilingual options are also available, with platforms offering Spanish and Chinese support. This inclusivity ensures a wider audience can access the help they need.
- Proactive alerts, like margin call warnings and tax form assistance, keep users informed.
- User surveys show 92% satisfaction with Fidelity’s IRA rollover help, highlighting their commitment to excellent service.
In summary, robust customer support is a cornerstone of any great financial platform. From multilingual options to proactive alerts, these services ensure users feel confident and supported every step of the way.
Security and Safety Measures
Ensuring the safety of your financial assets is a top priority for any platform. With the rise of digital tools, robust security measures are essential to protect your investments and personal information.
One of the most critical safeguards is SIPC coverage, which protects up to $500,000, including $250,000 in cash. This ensures your account is secure even in the event of a brokerage failure.
Additionally, 95% of modern platforms now use biometric authentication, such as fingerprint or facial recognition, to enhance security.
Encryption standards are another layer of protection. Most platforms use 256-bit SSL encryption, while some are exploring blockchain-based ledgers for added security. These technologies ensure your data remains private and secure.
Device approval workflows add an extra step for new logins. For example, you may need to verify your identity through a secondary device or email. This reduces the risk of unauthorized access to your account.
FDIC sweep programs protect cash in management accounts, ensuring your funds are safe even if the platform encounters issues. Historical audits, such as FINRA compliance reports, provide transparency and build trust in the platform’s operations.
In the event of hacking, many platforms offer a 2-hour fraud resolution guarantee. This quick response minimizes potential damage and ensures your investments remain secure. By choosing a platform with these measures, you can trade and save with confidence.
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In summary, a secure platform combines advanced technology, regulatory compliance, and quick response systems to protect your financial assets. Prioritizing these features ensures peace of mind as you grow your investments.
Pros and Cons of Each App
Choosing the right platform for your financial goals involves weighing the pros and cons of each option. Every app has unique features and limitations that cater to different types of investors. Here’s a breakdown to help you decide which one aligns with your needs.
E*TRADE offers robust research tools, making it ideal for those who want in-depth market analysis. However, it doesn’t support futures trading, which might be a drawback for active traders. If you’re focused on building a diversified portfolio, this platform is a strong contender.
Wealthfront excels in tax optimization, helping you maximize returns. The $500 minimum deposit might be a barrier for some, but its automated features make it a great choice for hands-off investors. Its 17-asset-class portfolios provide excellent diversification.
Interactive Brokers provides access to 90+ global markets, making it perfect for those interested in international stocks. The interface can be complex for beginners, but its advanced tools are worth exploring if you’re an experienced trader.
Webull stands out with its free Level 2 data, ideal for cost-conscious users. However, it lacks retirement accounts, which might be a dealbreaker for long-term planners. Its 24/7 trading feature is a significant advantage for active traders.
Fidelity offers Bitcoin ETFs, catering to crypto enthusiasts. The high margin rates might deter some users, but its zero-expense ratio index funds make it a solid choice for building a diversified portfolio.
Acorns simplifies saving with its auto-saving feature, turning everyday purchases into investments. The limited stock picks might not appeal to those looking for a broader range of options, but its Round-Ups® feature is perfect for beginners.
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Understanding the pros and cons of each app ensures you make an informed decision. Whether you prioritize low costs, automation, or diverse options, there’s a platform tailored to your needs.
How to Get Started with Your Chosen App
Getting started with a financial platform is easier than you think. Most apps offer a seamless process to open account and begin your journey. Whether you’re new to investing or switching platforms, these steps will guide you through the setup.
First, download the app from your device’s store. Once installed, you’ll need to verify your identity. This usually involves taking a selfie and linking your bank account. Most platforms process this step in minutes, so you can get started quickly.
After setup, consider your first investment. Many beginners choose target-date funds or index ETFs. These options are low-risk and provide steady growth over time. If you’re unsure, most apps offer educational resources to help you decide.
Don’t forget to explore referral bonuses. Many platforms reward you with $50-$200 for inviting friends. This is a great way to boost your initial funds while sharing the benefits of the trading platform.
Account aggregation is another useful feature. You can connect external accounts, like your 401(k), to track all your investments in one place. This simplifies management and gives you a clear picture of your financial health.
Finally, set up notifications for earnings reports and dividend payouts. Staying informed helps you make timely decisions and maximize your returns. Most apps allow you to customize alerts based on your preferences.
|
Step |
Details |
|
Download App |
Available on iOS and
Android |
|
Verify Identity |
Selfie and bank linking
required |
|
First Investment |
Target-date funds or
index ETFs |
|
Referral Bonuses |
$50-$200 for inviting
friends |
|
Account Aggregation |
Connect external 401(k)s |
|
Notifications |
Earnings reports and
dividend payouts |
By following these steps, you can confidently open account and begin your financial journey. The right brokerage account makes it easy to get started and stay on track toward your goals.
Conclusion
Choosing the right platform can simplify your financial journey. Platforms like E*TRADE offer versatility for diverse needs, while Acorns is perfect for passive savers. In 2025, trends like AI-driven portfolios and crypto integration are shaping the future of investment.
Before diving in, compare fees, tools, and educational resources. Whether you start with $100 in Webull or micro-invest via Acorns, the key is to take that first step. Remember, a long-term mindset is crucial—time in the market beats timing the market.
By aligning your goals with the right platform, you can confidently begin your journey. Start today and take control of your financial future.
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