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If you're savvy when it comes to apps but could use some direction in your investing game, combine the two and go from investing newbie to knowledgeable with tips you can tap into. Entering into the world of investing can be daunting, so invest your time before you invest your hard-earned dough. These 5 apps for investing beginners will lead you in the right direction. Invest with the best!

MoneyLion Plus

MoneyLion PlusVia crowdfundinsider.com

MoneyLion Plus is an app that is designed to help you borrow, save, reduce debt, invest, and earn. You'll learn the basics of landing a loan, keep up to date on your credit score as you monitor your credit history and charges, and have a neat place to store all your financial information securely. With personalized financial advice and a guided investing plan, you will begin to develop your investment portfolio and allocation. Step by step, you will become tuned in to how investing works and what works for you. And now's a great time to improve your investing know-how with MoneyLion Plus. According to Tech Crunch, "The latest version of the MoneyLion Plus app has an updated user interface to make things easier to navigate and provide faster access to the information. With its new UI, MoneyLion's home navigation now shows swipe-able cards to provide up-to-date information, recommendations and personalized advice." For $29 per month, this app will pay for itself… and then some.

Robinhood

RobinhoodVia thefinancegenie.com

Learn the ins and outs of the stock market for free with the aid of Robinhood app. The app leads you step by step as you build your portfolio from scratch. Invest in stocks, options, and ETFs (exchange-traded funds). Their mission? "To democratize America's financial system. Invest in stocks, ETFs, options, and cryptocurrencies commission-free." Make instant deposits with no wait time. You can boost your account by opting for Robinhood Gold. According to Business Insider, this account, "gives you access to extra buying power, larger instant deposits, and extended trading hours." Robinhood is easy-to-navigate helping you see market data clearly for making wise investment choices. As per The Finance Genie, "It's fast and streamlined so you can instantly verify your bank account and check on your investments or make trades with only a few taps." There is no account minimum to start, so what are you waiting for?

Stash

StashVia stashinvest.com

If you've got five bucks, you can begin your introduction to investing with Stash, an SEC registered investment adviser. Sign up is simple as you fill out your profile, and you will instantly gain access to 30+ investment options along with customized advice from your Stash Coach to help you set up your portfolio. All investments on the Stash app are carefully selected by their team. Everything is broken down and easy to digest, without unfamiliar terminology or confusion to trip you up. Their selection of ETFs is broken down by interest (activist, techie, globetrotter, trendsetter, etc.), so you can invest in companies that matter most to you. Stash's mission, "We believe everyone should have access to financial education, technology, and services that help them achieve their life goals," only furthers your faith in the Stash app and the knowledgeable team behind it.

Acorns

Acorns Via bankers-anonymous.com

Acorns is great for beginners or anyone who wants to start investing now, even if they don't have much money at the get-go. Just $1 per month will get you on your way. Acorns' micro-investing platform is a three-step entry process – connect your banking/credit card(s), make purchases as usual, and the app will start investing your spare change left over as they round up your purchases to the dollar. 7,000 stocks and bonds are available for investing, to "improve your return while reducing risk." You'll create a portfolio designed in part by a Nobel Prize-winning economist to manage your investments in an organized and professional manner. With the app comes Grow Magazine, so you can continue to learn more about investing as you delve deeper into the financial world. CNBC calls Acorn, "The new millennial investing strategy." With investors including PayPal and Ashton Kutcher, Acorn is on to something.

Wealthfront

Wealthfront Via blogwealthfront.com

Connect your financial accounts to the Wealthfront app and fill out a questionnaire, and let their expert software analyze your info to help you make the most of your finances by investing intelligently into one of their 20 portfolios. They will design a personalized plan to help you achieve your investing goals with a diversified plan from the ground up. With just a .25% annual advisory fee for accounts with a $10,000+ balance (otherwise free), you will spend a little to gain a lot. According to NerdWallet, "Wealthfront offers the kind of holistic financial advice and automated investment management that appeals to new and experienced investors alike." With access to U.S. and foreign stocks, bonds, real estate, securities, etc., Wealthfront has a mix of options to help you invest strategically and successfully.

Invest your money the modern way with app-telligence!

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Over two years into the most momentous event in our lives the world has changed forever … Some of us have PTSD from being locked up at home, some are living like everything’s going to end tomorrow, and the rest of us are merely trying to get by. When the pandemic hit we entered a perpetual state of vulnerability, but now we’re supposed to return to normal and just get on with our lives.

What does that mean? Packed bars, concerts, and grocery shopping without a mask feel totally strange. We got used to having more rules over our everyday life, considering if we really had to go out or keeping Zooming from our living rooms in threadbare pajama bottoms.

The work-from-home culture changed it all. Initially, companies were skeptical about letting employees work remotely, automatically assuming work output would fall and so would the quality. To the contrary, since March of 2020 productivity has risen by 47%, which says it all. Employees can work from home and still deliver results.

There are a number of reasons why everyone loves the work from home culture. We gained hours weekly that were wasted on public transport, people saved a ton of money, and could work from anywhere in the world. Then there were the obvious reasons like wearing sweats or loungewear all week long and having your pets close by. Come on, whose cat hasn’t done a tap dance on your keyboard in the middle of that All Hands Call!

Working from home grants the freedom to decorate your ‘office’ any way you want. But then people needed a change of environment. Companies began requesting their employees' RTO, thus generating the Hybrid Work Model — a blend of in-person and virtual work arrangements. Prior to 2020, about 20% of employees worked from home, but in the midst of the pandemic, it exploded to around 70%.

Although the number of people working from home increased and people enjoyed their flexibility, politicians started calling for a harder RTW policy. President Joe Biden urges us with, “It’s time for Americans to get back to work and fill our great downtowns again.”

While Boris Johnson said, “Mother Nature does not like working from home.'' It wasn’t surprising that politicians wanted people back at their desks due to the financial impact of working from the office. According to a report in the BBC, US workers spent between $2,000 - $5,000 each year on transport to work before the pandemic.

That’s where the problem lies. The majority of us stopped planning for public transport, takeaway coffee, and fresh work-appropriate outfits. We must reconsider these things now, and our wallets are paying

the price. Gas costs are at an all-time high, making public transport increase their fees; food and clothes are all on a steep incline. A simple iced latte from Dunkin’ went from $3.70 to $3.99 (which doesn’t seem like much but 2-3 coffees a day with the extra flavors and shots add up to a lot), while sandwiches soared by 14% and salads by 11%.

This contributes to the pressure employees feel about heading into the office. Remote work may have begun as a safety measure, but it’s now a savings measure for employees around the world.

Bloomberg are offering its US staff a $75 daily commuting stipend that they can spend however they want. And other companies are doing the best they can. This still lends credence to ‘the great resignation.’ Initially starting with the retail, food service, and hospitality sectors which were hard hit during the pandemic, it has since spread to other industries. By September 2021, the US Bureau of Labor Statistics reported 4.4 million resignations.

That’s where the most critical question lies…work from home, work from the office or stick to this new hybrid world culture?

Borris Johnson thinks, “We need to get back into the habit of getting into the office.” Because his experience of working from home “is you spend an awful lot of time making another cup of coffee and then, you know, getting up, walking very slowly to the fridge, hacking off a small piece of cheese, then walking very slowly back to your laptop and then forgetting what it was you’re doing.”

While New York City Mayor Eric Adams says you “can't stay home in your pajamas all day."

In the end, does it really matter where we work if efficiency and productivity are great? We’ve proven that companies can trust us to achieve the same results — or better! — and on time with this hybrid model. Employees can be more flexible, which boosts satisfaction, improves both productivity and retention, and improves diversity in the workplace because corporations can hire through the US and indeed all over the world.

We’ve seen companies make this work in many ways, through virtual lunches, breakout rooms, paint and prosecco parties, and — the most popular — trivia nights.

As much as we strive for normalcy, the last two years cannot simply be erased. So instead of wiping out this era, it's time to embrace the change and find the right world culture for you.

What would get you into the office? Free lunch? A gym membership? Permission to hang out with your dog? Some employers are trying just that.

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Did you hear about the Great Resignation? It isn’t over. Just over two years of pandemic living, many offices are finally returning to full-time or hybrid experiences. This is causing employees to totally reconsider their positions.

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