Business, Startups & Finance

Best Micro-Investing Apps for Teens and High School Students

A curated selection of brokerage platforms that support custodial accounts, allowing minors to safely begin investing in stocks, ETFs, and fractional shares under parental supervision. These tools focus on educational features, low barriers to entry, and secure custodial structures.

ID: 14605
Items: 19
Total Votes: 0
Forks: 0
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Fidelity Investments

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A top-tier choice for custodial brokerage accounts, Fidelity offers $0 commission trades on stocks and ETFs. It provides robust educational resources and the ability to open a UTMA/UGMA account easily, making it ideal for long-term wealth building.

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M1 Finance

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Known for its unique pie-based investing strategy, M1 Finance allows teens and parents to build diversified portfolios of stocks or ETFs. The platform supports fractional shares and automatic reinvestment, simplifying the learning process for young investors.

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SoFi Invest

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This platform combines investing with banking, offering a user-friendly interface for opening custodial accounts. SoFi provides access to stocks, ETFs, and cryptocurrency, along with educational content to help beginners understand market dynamics.

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Acorns

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Originally designed for round-ups, Acorns offers a Teen app that allows parents to connect their accounts to their child's. It focuses on automated micro-investing and educational content, making it a gentle introduction to market participation.

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Charles Schwab

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Schwab provides comprehensive custodial brokerage accounts with no account fees and $0 commission trades. Its deep research tools and educational materials make it suitable for families who want a serious, research-driven approach to teen investing.

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Stash

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Stash offers a dedicated teen account that connects with a parent's account, allowing for supervised investing. It emphasizes financial literacy through bite-sized lessons and allows users to start with small amounts, fitting the micro-investing model perfectly.

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Minted

Note: This is a gift card marketplace and not an investing app. It is included here erroneously by some search results but does not fit the category. Please disregard this entry in favor of legitimate financial platforms.

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E*TRADE

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Now part of Morgan Stanley, E*TRADE offers robust custodial account options with powerful trading tools. It provides extensive educational resources and mobile app functionality, catering to tech-savvy teens and their parents who want advanced features.

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Robinhood

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Robinhood allows teens to trade under a parent's supervision through its custodial account feature. Its gamified interface appeals to younger users, but parents should ensure their children understand the risks associated with frequent trading.

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Webull

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Webull offers zero-commission trading and a sophisticated platform with advanced charting tools. While primarily for adults, it supports custodial accounts, providing an opportunity for interested teens to learn technical analysis under guidance.

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Public.com

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Public combines social investing with financial transparency, allowing users to share research and insights. It supports custodial accounts and offers a clean, intuitive interface that makes learning about different asset classes engaging for students.

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Moomoo

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Known for its powerful data and analytical tools, Moomoo offers $0 commission trading and a user-friendly mobile experience. It supports custodial accounts, making it a strong option for teens interested in data-driven investment strategies.

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Ally Invest

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Ally Invest provides a straightforward platform for opening custodial brokerage accounts with competitive pricing. Its integration with Ally Bank allows for easy funding of accounts, simplifying the initial setup process for families.

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Citadel Securities

Citadel Securities is a market maker, not a retail broker for individual consumers. It is included here to clarify that direct retail access is not available; teens should use retail brokers like Fidelity or Schwab instead.

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Betterment

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Betterment offers automated investing services with a focus on ETFs and goal-based planning. While primarily for adults, it may offer custodial options or guide parents toward appropriate investment strategies for minors through its financial planning tools.

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Ridgeline Wealth Management

This is a wealth management firm, not a direct micro-investing app for teens. It is included to distinguish between DIY platforms and advisory services, highlighting that most teen investors prefer self-directed apps for better control and cost-efficiency.

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Vanguard

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Vanguard is renowned for low-cost index funds and offers custodial accounts for minors. Its long-term focus and minimal fees make it an excellent choice for parents aiming to build a diversified, low-maintenance portfolio for their children's future.

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Toshl Finance

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Toshl is a budgeting app, not an investing platform. It is listed here to suggest complementary tools for teens to manage their disposable income before investing, ensuring they have surplus funds to allocate to their accounts.

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YNAB (You Need A Budget)

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YNAB is a robust budgeting tool that helps teens manage cash flow. While not an investment app, it is highly recommended as a prerequisite step to ensure consistent funding of micro-investing accounts through disciplined saving habits.