Best Investment Apps for Beginners: Top Picks for 2025

Many apps have no minimum investment requirement, while others may have a low minimum deposit around S$100 or less. 

Investment apps offer various options to suit different investment styles and preferences. So, do check the app's offerings before signing up to make sure it aligns with your investment goals. 

Here are some of the most common asset classes you can trade through an investment app:

• Stocks

• ETFs

• Cryptocurrencies

• Options

• Mutual funds

Tiger Trade is a popular starting app for beginner investors in Singapore. Here's why it stands out:

• Low fees: Tiger Trade offers low commission trading on various assets, so you can start investing without worrying about hefty fees eating into your returns.

• Simple interface: The app design is clean, intuitive, and easy to navigate, even if you're new to investing.

• TigerGPT AI investing companion: Get personalised guidance and support from TigerGPT, an AI-powered investing assistant that can answer your questions and offer insights.

When it comes to your money, security is a top priority. The good news is that investment apps in Singapore take security very seriously.

Here's what you can expect:

• Encryption: Most apps use encryption to protect your personal and financial information as it travels between your device and the app's servers.

• Two-factor authentication: Add an extra layer of protection with two-factor authentication. This means that even if someone gets hold of your password, they'll still need a second form of verification (like a code sent to your phone) to access your account.

• MAS regulation: Many investment apps in Singapore are regulated by the Monetary Authority of Singapore (MAS). This means they have to meet strict guidelines to protect investors, giving you peace of mind.

It's natural to wonder what would happen to your investments if an investment app were to go out of business. Fortunately, safeguards like investor protection schemes and insurance can help you to recover your assets in certain situations.

However, in many situations, another institution may buy over the app or take over its accounts, so your investments remain intact under a new brokerage.

It's always a good idea to check the app's terms and conditions to understand the specific protections they offer.

While investment apps make investing more accessible, it's important to remember that investing always involves some level of risk:

• Market volatility: The value of your investments can go up and down, and you could lose money if you sell at a loss.

• Fees: Even small fees can eat into your returns over time.

• Investment mismanagement: If you're not careful, poor investment decisions may lead to losses.

That's why it's crucial to do your research, understand your risk tolerance, and consider seeking advice from a financial advisor if needed.