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Apps are revolutionizing the way people invest. Instead of calling a broker, or logging into a banking website, people can now invest right from their phones. It’s never been easier to put money into stocks, cryptocurrency or other investment instruments. Investing has gone from a specialist function to something that anyone can do on their lunch break.

Technology has revolutionized the world of personal finance. These days, it’s easy to track paydays, investments and expenses. Robinhood and Acorns are among the best tools for people who are looking to invest but have a tight budget. Robinhood has made it possible for people to trade stock with no fees attached. By eliminating the $6-10 that most people pay per trade, Robinhood has made purchasing shares of stock more accessible to the working class than ever before.

Acorns is slightly different. This app allows people to save in very small increments. They don’t have to buy one full share of stock, as with Robinhood. Instead, Acorns functions much like a 401k. People decide how much risk they want to take on, and how much they want to invest. Then Acorns routes their money into appropriate funds. Acorns also offer an IRA option. With a minimum investment of just $5 and an available round-up option, Acorns is a great option for people of every age and income. This app makes it so easy to save that most users won’t even notice they’re doing it.

Personal Capital is another great app that’s helping to demystify the world of finance for investors. This app doesn’t just give people a place to put their money. It also provides them with great advice. Personal Capital harnesses the knowledge of finance professionals. It also uses information from Robo-advisors. Robo-advisors use algorithms to help people make good decisions about where to put their money.

Personal Capital does come with strings attached, in the form of fees. However, there are some free tools and services available from this app. This tool also provides a 401(k) fee analyzer and has a retirement planning tool. These tools are invaluable when it comes to planning for the future. For many people, this kind of effective advice is worth the cost of the fees.