? Quick Picks: ? Best Overall – Fidelity Go (low fees + trusted brand)
? Easiest to Use – Acorns (round-ups + automation)
? Best for Learning – Public (education-first, no fees)? Start with as little as $5. No experience needed.
? Compare Beginner Investment Apps Here
? Why Use an Investment App?
If you’re new to investing, the idea of managing money might feel overwhelming. Investment apps in 2025 make it:
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? Super user-friendly
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? Accessible (start with $1–$10)
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? Safe and regulated
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? Automated and educational
Whether you’re saving for retirement, building a rainy day fund, or just testing the waters, these apps are built with beginners in mind.
? Best Investment Apps for Beginners – 2025 Rankings
| App | Best For | Min. Investment | Fees | Key Features |
|---|---|---|---|---|
| ? Fidelity Go | Overall Simplicity + Trust | $10 | $0 under $25K | Automatic investing, no account minimum |
| ? Acorns | Hands-Off Round-Ups | $5 | $3/month | Round-up savings, auto-diversification |
| ? Public | Education + Community | $0 | $0 | Commission-free, social investing |
| ? M1 Finance | DIY + Auto-Balancing | $100 | $0 | Custom pies, fractional shares |
| ? Robinhood | Active Trading Starters | $0 | $0 | Real-time trading, crypto + stocks |
? In-Depth Reviews of the Best Beginner Investment Apps
1. Fidelity Go – Best Overall for Beginners
Why it stands out:
Trusted name, no account minimum, and automated investing — all with zero fees if your balance is under $25,000.
✅ Highlights:
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Fully managed portfolios
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Low fees
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No investing experience required
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Backed by Fidelity (est. 1946)
? Fees: $0 under $25K; 0.35% after
? Best for: Total beginners who want “set it and forget it”
2. Acorns – Best for Hands-Off Savers
Why it stands out:
Acorns automatically invests your spare change when you make everyday purchases. It’s like saving without thinking.
✅ Highlights:
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Round-up investing
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Auto-portfolio building
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Found Money rewards (cashback for spending)
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Great for students & young adults
? Fees: $3/month for personal plan
? Best for: Beginners who want automation
3. Public – Best for Learning + Community
Why it stands out:
Beginner-friendly interface, commission-free investing, and an in-app community where you can follow other investors and learn together.
✅ Highlights:
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Zero commissions
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Built-in social feed + lessons
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Fractional shares available
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Stocks, ETFs, crypto
? Fees: $0
? Best for: Beginners who want to learn while investing
4. M1 Finance – Best for Semi-Automated DIY
Why it stands out:
Ideal for those ready to take a bit more control — M1 lets you build your own “pies” (custom portfolios) with automated rebalancing.
✅ Highlights:
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Fractional shares
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Build your own strategy
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Automatic rebalancing
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Borrowing & checking options
? Fees: $0
? Best for: DIY beginners with a little investing curiosity
? Build Your First Portfolio with M1
5. Robinhood – Best for New Active Traders
Why it stands out:
Easy-to-use interface for buying stocks and crypto — real-time trading with no fees.
✅ Highlights:
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Real-time trading
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$0 commissions
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Crypto, stocks, ETFs
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Educational content
? Fees: $0
? Best for: Beginners who want to try stock trading
? How to Choose the Right App for You
Ask yourself:
✅ Do I want hands-off or DIY investing?
✅ Am I saving long-term or just trying it out?
✅ Do I want educational tools?
✅ How much can I start with — $5 or $500?
✅ Do I want crypto or stick with stocks and ETFs?
? Take Our 30-Second Investment App Quiz
? Free Download: “Beginner’s Investing App Starter Kit”
✅ App comparison checklist
✅ 7-day investing habit tracker
✅ Mini glossary: investing terms you should know
✅ Risk tolerance worksheet
? Download the Free Toolkit (PDF)
? Quick Start: How to Invest in Under 5 Minutes
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Pick your app (we recommend Fidelity Go or Acorns to start)
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Set your goal (retirement, travel, rainy day fund)
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Link your bank account
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Deposit $5–$100 to begin
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Turn on auto-deposits (even $10/week adds up!)
? Tip: Automate everything so you don’t have to think about it. Set it, forget it, and grow your money in the background.
? Is It Safe to Use Investment Apps?
Yes — the apps listed here are:
✅ Regulated by FINRA or SEC
✅ SIPC-insured (up to $500,000 per account)
✅ Use encryption and 2FA for extra security
Always choose well-reviewed apps with full transparency.
? Final Thoughts
Investing doesn’t have to be complicated. In 2025, beginner-friendly apps make it easy to start with as little as $5 — and no jargon, pressure, or brokers required.
? Start small. Stay consistent. Let compound interest do the heavy lifting.
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? Affiliate Disclosure
Some links in this post are affiliate links. If you click and sign up, we may earn a small commission — at no cost to you. We only recommend apps we’ve reviewed and trust.
