佛罗多先生(Mr. Frodo)，投资是一件危险的事。你踏入市场，如果你不站稳脚跟，你的钱可能会流向何方。
虽然甘道夫(Gandalf)可能对冒险生活有很好的建议，但投资并不是中土世界(Middle Earth)最发达的概念。幸运(Lucky)的是，我们编制了一份最适合随时随地进行投资的应用程序列表。
如果您刚刚起步并且想在动荡的股市(stock market)中投入大量资金而不需要投入大量资金，那么这些应用程序是最好的选择。
1.橡子（网站(Website)）
Acorns是一个“小额投资”应用程序(” app)
，可以使用您的零钱。字面上地。当您进行购买时，Acorns
会四舍五入到最接近的美元并将差额投资。当您在早上上班的路上以 2.15 美元的价格喝杯咖啡时，Acorns将购买的价格提高到 3 美元，并将 0.85 美元投资到您的投资组合中。
然后，您可以从从保守到激进的五种不同的投资组合配置文件中进行选择。保守的情况意味着您的资金可能会以缓慢的速度增长，但在更稳定、更可靠的账户中。激进的形象意味着更大的损失风险，但也意味着更大的增长风险。选择您最喜欢的一个并观察结果。
Acorn被设计为一个移动优先的应用程序，但是任何喜欢通过移动设备使用互联网的人都可以使用一个门户网站。虽然不是免费的，但Acorn价格实惠——所有低于 5,000 美元的账户每月 1 美元，超过 5,000 美元的账户每年支付 0.25% 的余额。
2.藏匿（网站(Website)）
Stash与Acorns具有相同的定价结构(pricing structure)，它不会自动为您投资。Stash为用户提供满足其投资偏好的教育内容。
如果您刚刚开始，所有的术语和首字母缩略词(terminology and acronyms)都会让人不知所措。虽然您不会对您可以投资的所有潜在公司进行深入分析，但Stash可以帮助您理解所有短语的含义。
您可以在价值驱动的投资组合之间进行选择，也可以构建自己的定制投资组合。完成此操作后，您可以为经常性投资设置“Auto-Stash”首选项，以根据您的最终目标创建一种自动化系统。
它不会让你失去这个过程，但Stash为你提供了在通常可能令人困惑的世界中开始所需的资源和信息。Stash在 iOS 和 Android 设备上都可用。
3. Robinhood（网站(Website)）
关于投资你应该知道的一件事：投资需要花钱，但交易股票也需要花钱。移动股票通常会产生经纪费，这可能会侵蚀您从股票增长中获得的任何潜在利润。Robinhood是一款完全免费的应用程序，可让您免费交易股票。
当然，您只能在特定时间进行交易，但您可以通过注册Robinhood Gold来延长该时间，这是一种
订阅服务(subscription service)，可以访问比基础级应用程序更广泛的功能。(wider range)
这听起来好得令人难以置信，但
作为一家公司， Robinhood的设计目的是尽量减少开销。这意味着他们的费用很低，并且他们能够将这些储蓄转嫁给他们的用户，而无需收取经纪费。该应用程序可能不会教育您进行投资，但如果您知道自己在做什么，那么这是一种无需典型成本即可转移股票的好方法。
4. Ally Invest（网站(Website)）
Ally Invest是 Ally Bank 的投资部分(investment portion)，
Ally Bank是一家仅在线实体，管理费用低，可满足希望保持低成本的人们的需求。这是一个受日间股票交易者欢迎的平台，但它也是初学者入门的好方法。每笔交易的成本为 4.95 美元，但没有账户最低限额需要担心，并且有大量工具可以一路帮助您。
Ally还提供教育资源，帮助您了解事物的运作方式。对于DIY 投资者(DIY investor)来说，这是一个不错的选择。所有ETF(ETFs)均免佣金，但您会看到共同基金交易收取少量费用。
您还应该知道，Ally Invest没有自动投资或再平衡选项——一切都是手工完成的，但它可以帮助您更多地了解您的投资和投资组合。
如果您对投资一无所知，Ally Invest可能不是最佳选择——但如果您愿意深入研究并了解一切意味着什么，它可以成为随着时间的推移增加财富的强大工具。
The Best Investing Apps for Newbies
It’s a dangerous business, Mr. Frodo, going
into investіng. You step intо the market, and if you don’t keep your feet,
there’s no knowing where your money might bе swept off to.
While Gandalf might have had great advice for an adventurous life, investing was not the most developed concept in Middle Earth. Lucky for you, we have compiled a list of the best apps for investing-on-the-go.
If you’re just starting out and want to get your feet wet without committing a large sum of money the a volatile stock market, these apps are the best places to look.
Acorns is a “micro-investing” app
that works with your spare change. Literally. When you make a purchase, Acorns
rounds up to the nearest dollar and invests the difference. When you grab a cup
of coffee on the way to work in the morning for $2.15, Acorns rounds the
purchase up to $3 and invests $0.85 into your portfolio.
You can then choose from five different
portfolio profiles that range from conservative to aggressive. The conservative
profile means your money will likely grow at a slow pace, but in more stable,
reliable accounts. An aggressive profile means there is greater risk for loss,
but also greater risk for growth. Choose the one you’re most comfortable with
and watch the results.
Acorn was designed as a mobile-first app,
but a web portal has become available for anyone that prefers to use the
internet over a mobile. While not free, Acorn is affordable—$1 per month for
all accounts under $5,000, and then 0.25% of the balance per year for accounts
over $5,000.
Stash has an identical pricing structure to Acorns, it doesn’t automatically invest for you. Stash provides users with educational content catered to their investing preferences.
If you’re just starting out, all of the terminology and acronyms can be overwhelming. While you won’t get in-depth analysis on all of the potential companies you can invest in, Stash helps you understand what all of the phrases mean.
You can choose between a values-driven
portfolio or build your own customized portfolio. Once you’ve done that, you
can set up the “Auto-Stash” preferences for recurring investments to
create a sort of automated system based on your end goals.
It won’t take the process out of your
hands, but Stash gives you the resources and information you need to get
started in what can often be a confusing world. Stash is available on both iOS
and Android devices.
3. Robinhood (Website)
One thing you should know about investing:
it costs money to invest, but it also costs money to trade stocks. There are
often brokerage fees associated with moving around your stocks, which can eat
into any potential profits you make from their growth. Robinhood is a
completely free app that lets you trade stocks without cost.
Of course, you can only trade during
certain hours, but you can extend that time by signing up for Robinhood Gold, a
subscription service that gives access to a wider range of features than the
base-level app.
This may sound too good to be true, but
Robinhood as a company is designed to have minimal overhead. This means their
expenses are low and they’re able to pass those savings onto their users
without charging brokerage fees. The app may not educate you on investing, but
if you know what you’re doing then it’s a great way to move stocks without the
typical costs.
4. Ally Invest (Website)
Ally Invest is the investment portion of
Ally Bank, an online-only entity with low overhead fees that caters to people
that want to keep their costs low. It’s a popular platform with daytime stock
traders, but it’s also a great way for beginners to get started. The cost per
trade is $4.95, but there is no account minimums to worry with and plenty of
tools to help you along the way.
Ally also provides educational resources to help you learn how things work. It’s a great option for the DIY investor. All ETFs are commission free, but you will see a small fee for mutual fund trades.
You should also know that Ally Invest does not have automatic investing or rebalancing options—everything is done by hand, but it helps you learn more about your investments and your portfolio.
If you know absolutely nothing about
investing, Ally Invest might not be the best option—but if you’re willing to dig
your heels in and educate yourself on what everything means, it can be a
powerful tool for growing your wealth over time.
