Investing has become more accessible than ever, thanks to mobile investment apps that allow users to grow their wealth from the palm of their hand. In 2025, investment apps are offering smarter automation, AI-driven advice, and even higher potential returns.
If you’re looking to make the most of your money this year, here’s a breakdown of the top 10 investment apps with the highest returns in 2025 — ranked by features, performance, and user satisfaction.
🔹 Why Use an Investment App?
Investment apps give you access to:
- Real-time trading
- AI-powered portfolio management
- Low or no fees
- Fractional shares
- Cryptocurrency, ETFs, and stocks – all in one place
Whether you’re a beginner or an experienced investor, choosing the right app can significantly impact your returns.
🔝 Top 10 Investment Apps of 2025
1. Robinhood
- Best For: Active stock and crypto traders
- Key Features: Zero-commission trades, instant deposits, crypto trading
- 2025 ROI Average: ~9.8%
- Pros: Simple UI, no account minimums
- Cons: Limited research tools
2. Fidelity Investments
- Best For: Long-term investors
- Key Features: Full-service brokerage, mutual funds, retirement accounts
- 2025 ROI Average: ~10.4% (balanced portfolio)
- Pros: Great research tools, low fees
- Cons: More complex UI for beginners
3. Acorns
- Best For: Beginners & micro-investors
- Key Features: Round-ups, automated portfolios, ESG investing
- 2025 ROI Average: ~8.5%
- Pros: Set-it-and-forget-it style investing
- Cons: Monthly fee on small balances
4. SoFi Invest
- Best For: Young professionals
- Key Features: Automated investing, crypto, no commission trades
- 2025 ROI Average: ~9.2%
- Pros: Free financial advisors
- Cons: Limited advanced trading options
5. M1 Finance
- Best For: Custom portfolios (Pies)
- Key Features: Fractional shares, auto-investing, margin loans
- 2025 ROI Average: ~10.1% (varies by strategy)
- Pros: DIY plus automation
- Cons: No real-time trading
6. Charles Schwab
- Best For: Retirement and long-term wealth
- Key Features: Robust ETF and mutual fund access, Roth IRAs
- 2025 ROI Average: ~10.3%
- Pros: Top-tier research, trusted brand
- Cons: Some mutual funds have high minimums
7. Webull
- Best For: Tech-savvy traders
- Key Features: Advanced analytics, zero commissions, options trading
- 2025 ROI Average: ~9.7%
- Pros: Real-time market data
- Cons: Less intuitive for beginners
8. Wealthfront
- Best For: Automated investing with tax advantages
- Key Features: Tax-loss harvesting, smart rebalancing
- 2025 ROI Average: ~10.0% (based on risk profile)
- Pros: Great for hands-off investors
- Cons: No individual stock trading
9. Public.com
- Best For: Social investing
- Key Features: Community portfolios, crypto, fractional shares
- 2025 ROI Average: ~9.0%
- Pros: Transparent, beginner-friendly
- Cons: Fewer advanced tools
10. Betterment
- Best For: Goal-based investing
- Key Features: AI-driven portfolios, retirement planning tools
- 2025 ROI Average: ~9.8%
- Pros: Low management fees, diversified investing
- Cons: No direct control over individual stocks
🔍 How to Choose the Right Investment App
When picking an investment app, consider:
- Your investment goals – Are you trading short-term or investing long-term?
- Fees & commissions – Look for low or no-fee platforms
- User interface – Choose an app you find easy to navigate
- Features – Want crypto? Retirement tools? Fractional shares?
- Support & Education – Some platforms offer financial advisors or built-in learning tools
💡 Pro Tips for Higher Returns in 2025
- Start early and invest consistently – Compound interest grows over time.
- Diversify your portfolio – Don’t put all your money in one stock or sector.
- Take advantage of tax-advantaged accounts – Like Roth IRAs or HSAs.
- Review performance quarterly – Adjust based on market conditions and your risk tolerance.
- Avoid emotional investing – Use automation to stay on track.
📈 Final Thoughts
In 2025, the best investment apps combine high performance, smart automation, and accessibility. Whether you’re just getting started or optimizing a six-figure portfolio, these top apps can help you grow your wealth and achieve your financial goals.