Best Micro Investing Apps 2025

Best Micro Investment Apps
- Best overall, especially for hands-off investors looking for custom portfolios.
- Best for those seeking diversified portfolios with financial advice.
- Best for commission-free stock and crypto trading.
- Best for turning everyday debit card purchases into investments.
- Best for socially-conscious investing with a community.
Micro-investing can be the perfect solution for beginner investors or those without substantial sums to invest. By diving into fractional shares, individuals can buy parts of stocks or ETFs, allowing for a diversified investment portfolio without the hefty price tag. Let's delve into our top picks for micro-investing apps and discover which might be best suited for your investing style.
The Best Micro Investing Apps in 2024
M1 Finance
- Free platform
- Automated investing
- Fractional shares
- Custom portfolios
- M1 Spend for spending and investing
- No minimum balance
- Retirement accounts
- High-quality educational resources
This "Pie" can be filled with a variety of financial products, be it individual stocks, mutual funds, or ETFs. Once established, the platform takes charge by automatically balancing the pie, ensuring that your portfolio is consistently attuned to your desired investment strategy.
Furthermore, with the introduction of the M1 Spend feature, users can flawlessly integrate their investment accounts with an FDIC-insured checking account. This innovative fusion not only facilitates seamless transactions but also streamlines the entire investing process. Another compelling trait of M1 is its robust support for fractional share investing.
This ensures that every cent is put to work, empowering you to maximize every dollar's potential. Also, those who are future-focused will appreciate the provision for retirement accounts, giving them a head start on securing their financial futures.
With its headquarters rooted in Chicago, the company stands firm on its commitment to demystify investing, making it more approachable and comprehensible for all.
SoFi
- Free financial advising
- No account fees
- Fractional shares
- Diverse investment options
- Crypto trading
- SoFi Invest for active traders
- Automated investing options
- Access to a financial planner
For those feeling overwhelmed by the vast expanse of the financial market, SoFi provides free access to certified financial planners. This ensures users can make informed decisions, complementing their financial goals.
SoFi Invest, another feather in their cap, is meticulously crafted for the active trader. It furnishes a plethora of advanced tools, allowing for a deeper dive into the stock market. Meanwhile, for those who prefer a more hands-off approach, the platform's automated investing feature might be more up their alley.
By understanding an individual's risk tolerance and financial objectives, it crafts a tailored investment strategy, all the while keeping management fees at bay.
Its primary objective remains to assist members in realizing their financial ambitions, whether that's through investing, lending, or even personal finance advice.
Robinhood
- Commission-free trading
- No minimum balance
- Options and crypto trading
- Real-time market data
- Customizable interface
- Extended trading hours
- Quick funds availability
- Fractional shares
Whether you’re interested in trading traditional stocks, delving into options, or exploring the crypto market, Robinhood caters to all. With its provision for real-time market data, users are always in sync with the market's pulse, enabling timely and informed trading decisions.
A notable facet of Robinhood is its extended trading hours, which grants users a jumpstart before the market opens and lingering moments after it closes. This ensures that they never miss out on potential investment opportunities.
The app's swift execution ensures that funds from stock sales are available immediately, which can be reinvested or withdrawn without delays.
By eliminating traditional barriers in investing, such as commission fees, Robinhood has indeed revolutionized how the new-age investor approaches the stock market.
Acorns
- Automatic round-ups
- Recurring investments
- Multi-tiered pricing
- Educational content
- Retirement and IRA options
- Customized portfolios
- Acorns Checking with debit card
- No minimum balance
This novel concept ensures that every purchase, be it a cup of coffee or groceries, contributes towards growing your investment portfolio. Additionally, Acorns offers users the liberty to set recurring investments, either daily, weekly, or monthly, ensuring a steady and consistent growth strategy.
The platform doesn’t just stop at investing your spare change. It delves deeper by offering retirement options like IRAs, ensuring users are financially equipped for their golden years.
To complement this, Acorns provides an abundance of educational content. This aids novice investors in navigating the complexities of the stock market, ensuring they’re equipped with the requisite knowledge.
Public.com
- Commission-free trades
- Fractional shares
- Social feed for investors
- Curated themes
- Transparent portfolios of public figures
- Educational content
- Collaborative culture
- Real-time discussions
Its unique social feed is reminiscent of popular social networks, but it's meticulously tailored for investors. Users can follow not just friends but also financial experts, gaining insights and perspectives directly from the industry's maestros.
One of Public.com's standout features is the transparency it brings to the portfolios of public figures. Curious about how a well-known personality is investing? Public.com allows you to peer into their investment strategies.
Moreover, for those new to the investment realm, the platform offers curated themes, guiding users towards sectors or industries that align with their interests or values.
With its base in New York, Public.com aims to make the stock market an inclusive space, fostering a community where every voice, novice or expert, finds resonance.
Frequently Asked Questions
What is micro-investing?
How do fractional shares work in micro-investing apps?
Micro-investing apps facilitate this by pooling user funds and purchasing whole shares, then distributing the fractional shares to users based on their contribution.
Why are micro-investing apps popular among beginners?
Furthermore, many of these apps offer educational content and tools, helping beginners learn about the stock market, investment strategies, and financial planning as they go.
How does micro-investing differ from traditional investing?
Micro-investing, on the other hand, is more passive and designed for individuals who might not have extensive financial knowledge or large sums to invest initially. It focuses on accumulating wealth over time through small, regular contributions.
Is micro-investing suitable for long-term financial goals?
How do micro-investing apps generate revenue if they offer commission-free trading?
Can I withdraw my money from micro-investing apps anytime?
However, it's essential to be aware of any withdrawal fees or conditions, especially if you're invested in accounts with tax implications like IRAs.
Are my investments safe in micro-investing apps?
While this provides some level of protection, it's crucial to remember that all investments come with risks, and the value can go up or down.
What is the difference between automated and self-directed investing in these apps?
How do I determine my risk tolerance with micro-investing apps?
How do these apps handle taxes?
Some platforms might also offer tax-advantaged accounts or tax-loss harvesting features, which strategically sell off underperforming investments to offset taxes on gains.
Do micro-investing apps offer retirement accounts?
However, they also come with specific rules and contribution limits, so it's essential to be aware of these when investing.