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Best Investment Apps Uk – Low-cost investment apps are capturing the interest of a generation and making the world of investing more accessible.
With house prices rising, deposit difficulties and lettings running out, we think the younger generation may not have the disposable income to invest. However, the emergence of several readily available apps that facilitate micro-investments has made saving your change as easy as grabbing a latte.
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Millennial investors are turning to the stock market with a pay-to-play approach, hoping to not just make money, but make a difference, with young people flocking to green and ethical investments.
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According to the Money Advice Service, more than half of British 16-25-year-olds say managing their money is their top three priorities, paving the way for a range of investment apps that can be controlled via smartphone or tablet.
The appeal comes from low fees and smart funds that are widely traded on exchanges such as the FTSE 100 or the Dow Jones. These exchange-traded funds (ETFs) or tracker funds hold investment assets such as stocks and bonds from many companies that are popular with millennials.
What’s more, accounts can be opened from as little as £1 through micro savings apps, with features that make it incredibly easy for users to add, withdraw and withdraw money. By focusing on green and ethically sourced funds, as well as allowing access to companies that are frequently used in our daily lives, these apps can help all types of financial wallets access investment opportunities like never before.
For those unsure of their risk profile or appetite, apps like Moneybox and Nutmeg make investing easy by asking a series of questions, then offering suitable micro-investing opportunities.
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Nutmeg, a UK-based robo-investment platform first launched in 2011, offers a wide range of socially responsible portfolios. Not only are its fees much lower than an actively managed fund, but it’s also free to withdraw your money whenever you want. First you need to indicate how much you want to invest and the level of risk. You also need to choose your investment style and decide whether you want to invest immediately or delay your money. As with Plum (see below), there are four plans to choose from. The difference is that Nutmeg is based on investment styles – managed alpha portfolios, fixed allocation, socially responsible and intelligent – all backed by JP Morgan Asset Management. The fees associated with each of them are different and partially correspond to the amount of money you invest.
Moneybox is an app that helps you choose to track your investment portfolio between stocks, bonds and property through three levels of risk: Balanced, Cautious and Adventurous. In addition, if automatic payment does not suit your finances, money can be taken by rounding, which means that any change from the transaction is automatically sent to the application. The average age of a Moneybox user is 31 and investments are usually held in a Lifetime ISA, a stocks and shares ISA or a general investment account.
Wombat offers micro-investment opportunities consisting of themes that suit your lifestyle and interests. They also involve different levels of risk, so a safer bet would be a “techie” theme that boasts Apple, Microsoft and Facebook in its portfolio, with a riskier “social media guru” theme.
Similar to this is Plum, which offers a wide range of exchange traded fund (ETF) investment portfolios, and the choice is entirely up to you. Want to invest in tech stocks? “Tech giants” are for you. Do you want to invest in a diversified asset portfolio that meets environmental, social and governance criteria? Choose “Balanced Ethics”. Do you want shares of British companies? Invest in ‘the best of British’. To start using Plum, you need to sign up for one of four plans. The most affordable option that gives you access to the Plum investment platform is Plum Plus (£1 per month). It also gives you access to useful in-app features including unlimited automatic savings, salary savings, switching accounts, up to 0.4% interest and FSCS protection.
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Interactive Investor has solidified its reputation as a trusted app for serious investors. It has almost £55bn of assets under management and over 400,000 clients on account. Designed for investors who are comfortable selecting their own investments, Interactive Investor provides access to 40,000 UK and global investments across 17 global exchanges and nine currencies. Usability is where this app shines as it allows you to manage all your accounts (ISA, SIPP, Trading and JISA) in the palm of your hand. Another notable feature, especially for those with larger portfolios, is the platform’s transparent, flat fee structure (£9.99 per month). Customers also get free trades per month.
However, if you are looking for a free investment app, eToro could be it. The app offers a wide range of financial assets to invest in, including stocks, ETFs, currencies, indices, commodities and even cryptocurrencies. You can also take advantage of the option to buy fractional shares and without trading limits. Perhaps the best feature for professional investing is the “ProCharts” tool. This advanced comparison tool allows manual traders to perform in-depth technical analysis – worth a try if you enjoy analyzing multiple charts at once. Do you want to start investing in the stock market or just put your money in investments. With your name in the background, the convenience and ease of a great INVESTMENT app on your phone gives this part of your money management a big boost.
You can buy, sell or check investments on your morning commute; Sell Tesla shares while you eat lunch and wait for your profits to grow during dinner!
If you’re thinking about investing and have no idea where to start – hopefully these apps will give you the confidence to try and grow your wealth for the long term.
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To begin with, I will detail some of the UK application options; If you want to invest in US stocks and companies; Considering day trading of coins and cryptocurrencies; And even apps that are helpful and move/invest your money in the background based on your spending habits.
EToro has become the leading social trading platform for trading major financial markets, including stocks, forex and cryptocurrencies.
They have a minimum deposit of $200 to use the platform, however a range of funds, individual company stocks, currency and cryptocurrency options are not eligible.
They never have an investment option that you can think of, most providers like Vanguard even appear.
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They have an inactivity fee if you don’t use the product to invest/trade for a year, so remember it should be a regular investment platform.
It currently only offers general investment accounts to UK customers and not any ISA options, although if you want to invest in individual companies and stocks, this would be an ideal platform to get started with zero fees and no trading fees.
You can even have a demo account to practice using stocks you’re thinking of buying and don’t want to spend money on, with the option to copy other traders’ entire portfolios if you want to use their experience.
In my video for this blog post, I even show you step by step how to buy your first stock using this app, so simple and easy to use!
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Available from Google Play, the App Store or Facebook Messenger, Plum is particularly good for beginners as you can start investing from as little as £1.
Choose from themes of markets and companies (investing in stocks only) and also according to your risk level.
I call it a bot that invests from your phone, you connect to the app/platform via Facebook messenger or a tool and it connects to your bank account, then it invests that money in your background automatically.
It takes a daily look at your overall spending habits and directs money to your savings/investments based on what it predicts you will have next and also helps you achieve your savings/investment goals.
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There is also an annual fee of 0.15% and a fund fee of 0.22 to 0.9%, so keep this in mind to choose products that are right for you and support your goals in the long term.
This fairly new Fintech app is available on Android and the App Store with no monthly fees, no platform fees, but you will be charged an annual fee based on funds.
It’s good if you want to invest less than £1000, because until then they don’t charge any platform fees – plus you have fees associated with using the platform.
They’ve taken the complexity out of funds by giving them unique fund descriptions, so you can understand an ETF (electronically traded fund) and what it does instead of looking at the fund name and trying to guess what it might be. .