Waa ganacsi khatar ah, Mr. Frodo , oo galaya maalgashiga. Waxaad soo gashay suuqa, oo haddii aadan cagahaaga ilaalin, lama garanayo meesha lacagtaada lagu xaaqi karo.

Inkasta oo Gandalf laga yaabo inuu lahaa talo weyn oo ku saabsan nolosha adventurous, maalgelintu ma ahayn fikradda ugu horumarsan ee Dunida Dhexe^{(Middle Earth)} . Nasiib^(Lucky) wanaag adiga, waxaanu soo diyaarinay liiska abka ugu fiican ee maal-gashiga-socodka-socdaalka ah.

Haddii aad hadda bilaabayso oo aad rabto in aad cagahaaga qoydo adigoon gelin lacag badan oo suuqa saamiyada ah, abkani waa meelaha ugu fiican ee lagu eego.

1. Acorns ( Website )

Acorns waa abka "maalgelinta yar yar" ee la shaqeeya isbeddelkaaga firaaqada ah. macno ahaan. Markaad wax iibsatid, Acorns waxay wareegtaa ilaa dollarka kuugu dhow oo ay gelisaa faraqa. Markaad ku qabato koob kafee ah jidka shaqada subaxdii $2.15, Acorns waxay soo iibsataa ilaa $3 oo waxay gelisaa $0.85 faylalkaaga.

Waxaad markaa dooran kartaa shan nooc oo kala duwan oo faylalka galmoodka ah kuwaas oo u dhexeeya muxaafid ilaa dagaal badan. Xogta muxaafidka ah macnaheedu waa in lacagtaadu ay u badan tahay inay u koraan si tartiib tartiib ah, laakiin aad u xasilloon, xisaabaadka la isku halayn karo. Muuqaalka gardarrada ah macnaheedu waa inay jirto khatar weyn oo lumis ah, laakiin sidoo kale khatar weyn oo koritaanka. Dooro midda aadka ugu qanacsan oo daawo natiijooyinka.

Acorn waxa loo nashqadeeyay sidii moobilka koowaad abka, laakiin marinka shabakada ayaa diyaar u ah qof kasta oo door bida in uu internet ka isticmaalo mobaylka. Iyadoo aan bilaash ahayn, Acorn waa la awoodi karaa - $ 1 bishii dhammaan xisaabaadka ka hooseeya $ 5,000, ka dibna 0.25% ee hadhaaga sannadkii xisaabaadka ka badan $ 5,000.

2. Stash ( Website )

Stash waxay leedahay qaab-dhismeedka qiimaha isku midka ah ee Acorns , si toos ah kuuguma maalgelinayo. Stash waxay siisaa isticmaalayaasha nuxur waxbarasho oo loogu talagalay doorbidkooda maalgashi.

Haddii aad hadda bilaabayso, dhammaan erey-bixinnada iyo ereyada soo gaabinta waxay noqon karaan kuwo culus. In kasta oo aadan si qoto dheer uga heli doonin dhammaan shirkadaha suurtagalka ah ee aad maalgashan karto, Stash waxay kaa caawinaysaa inaad fahamto waxa weedhaha oo dhan ay yihiin.

Waxaad dooran kartaa inta u dhaxaysa faylalka ay wadaan qiyamka ama waxaad dhisi kartaa faylalkaaga gaarka ah. Markaad taas sameyso, waxaad dejin kartaa dookhyada "Auto-Stash" ee maalgashiga soo noqnoqda si aad u abuurto nidaam toos ah oo ku salaysan yoolalkaaga dhamaadka.

Kama qaadi doonto habka gacmahaaga, laakiin Stash wuxuu ku siinayaa agabka iyo macluumaadka aad u baahan tahay si aad u bilowdo waxa inta badan noqon kara adduun jahawareer ah. Stash waxa laga heli karaa IOS iyo aaladaha Android labadaba .

3. Robinhood ( Website )

Hal shay oo ay tahay inaad ka ogaato maalgashiga: waxay ku kacaysaa lacag si aad u maalgashato, laakiin sidoo kale waxay ku kacaysaa lacag si aad uga ganacsato kaydka. Inta badan waxa jira khidmadaha dullaalnimada ee la xidhiidha guuritaanka kaydkaaga, kuwaas oo cuni kara faa'iido kasta oo suurtagal ah oo aad ka samaynayso koritaankooda. Robinhood waa abka gabi ahaanba bilaasha ah kaas oo kuu ogolaanaya inaad kaydka ka ganacsato kharash la'aan.

Dabcan, waxaad ku ganacsan kartaa oo kaliya inta lagu jiro saacadaha qaarkood, laakiin waxaad kordhin kartaa wakhtigaas adigoo iska diiwaangelinaya Robinhood Gold^{(Robinhood Gold)} , adeegga is-diiwaangelinta kaas oo siinaya helitaanka noocyo kala duwan oo muuqaal ah marka loo eego heerka-app-ka.

Tani waxay u muuqan kartaa mid aad u wanaagsan inay run noqoto, laakiin Robinhood shirkad ahaan waxaa loogu talagalay inay yeelato dakhli yar. Tani waxay ka dhigan tahay in kharashaadkoodu yar yahay oo ay awoodaan inay u gudbiyaan kaydadkaas isticmaalkooda iyagoon ku dallacin khidmadaha dullaalnimada. Appku waxa laga yaabaa in aanu ku baraynin maal-gashiga, laakiin haddii aad ogtahay waxa aad samaynayso markaa waa hab fiican oo lagu raro kaydka iyada oo aan kharashyada caadiga ah la helin.

4. Ally Invest ( Website )

Ally Invest waa qaybta maalgashiga ee Ally Bank , oo ah shirkad online-kaliya ah oo leh khidmadaha sare ee hooseeya oo u adeega dadka doonaya inay hoos u dhigaan kharashkooda. Waa goob caan ah oo leh ganacsatadii saamiyada maalintii, laakiin sidoo kale waa hab fiican oo bilowga ah si ay u bilaabaan. Qiimaha ganacsigiiba waa $4.95, laakiin ma jirto wax xisaab ah oo aad ka werwerto iyo qalab badan oo kaa caawinaya inta aad jidka ku jirto.

Ally sidoo kale waxay ku siinaysaa ilo waxbarasho si ay kaaga caawiyaan inaad barato sida arrimuhu u shaqeeyaan. Waa ikhtiyaar aad u fiican maalgeliyaha DIY . Dhammaan ETF^(ETFs) -yada waa bilaash komishanka, laakiin waxaad arki doontaa khidmad yar oo loogu talagalay ganacsiyada maalgelinta wadaagga ah.

Waa inaad sidoo kale ogaataa in Ally Invest uusan lahayn maalgelin toos ah ama dib-u-habayn ikhtiyaari - wax walba waxaa lagu sameeyaa gacanta, laakiin waxay kaa caawineysaa inaad wax badan ka barato maalgashigaaga iyo faylalkaaga.

Haddii aanad gabi ahaanba waxba ka garanayn maalgashiga, Ally Invest ma noqon karto doorashada ugu fiican - laakiin haddii aad diyaar u tahay inaad cidhibtaada qoddo oo aad naftaada barato waxa ay wax walba ka dhigan tahay, waxay noqon kartaa qalab awood leh oo kobcinta hantidaada waqti ka dib.  

The Best Investing Apps for Newbies

It’s a dangerous business, Mr. Frodo, going into investing. You step into the market, and if you don’t keep your feet, there’s no knowing where your money might be 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.

1. Acorns (Website)

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.

2. Stash (Website)

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.  

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