Acorns allows users to not only save, but invest, using very small amounts. Set up Acorns to take whatever change you are due when buying stuff and instead invest it. Example, if you spend 3-75 on coffee, you can set Acorns to round up to four-dollars and invest the 25-cents. The idea is that the small amounts add up over time. If you want to cash out at any time, no big deal, just push a button. The app is free for iOS and Android, it costs one-dollar a month.

Stash is an app allowing you to choose from 30 different exchange traded funds, ETFs. This is based on the risk assessment questionnaire you fill out when you sign up. You place an initial investment deposit and can add more any time via fractional share ownership. Stash investments are covered by the Securities Investor Protection Corporation. The app is free for iOS and Android.

From helping you save more on your everyday cash to investing for the long term, consider using the app called Betterment. It offers one of the higher interest rates for its cash reserve offering, along with unlimited transfers in and out. The app can also assist in investing wisely, helping you determine financial goals and portfolio management based on personal preference. The app is free for iOS and Android.>>

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