Investing When Retired: Best Apps for Seniors

 Investing When Retired: Best Apps for Seniors

Investing made simple for retirees: user-friendly apps designed for financial peace of mind

Why Seniors Should Consider Investing After Retirement

Stay Financially Secure in Retirement

Retirement doesn't mean you stop growing your money. In fact, smart investing can help retired seniors stay financially independent, beat inflation, and create a steady income stream. Many retirees invest to make their savings last longer, leave something for their children, or just enjoy more freedom in life.

With today’s technology, investing has become easier, safer, and more accessible—even for those who are not tech-savvy. Many apps are designed specifically with simplicity, safety, and ease of use in mind—perfect for seniors looking to manage their money smartly from the comfort of home.

Features to Look for in Retirement Investment Apps

Related topic for more information

Simple, Safe & Senior-Friendly Interface

When selecting an investment app in retirement, look for features like:

Easy navigation and readable fonts

Low fees or no commissions

Access to dividend stocks, bonds, and ETFs

Tools to monitor your income and risk level

Reliable customer service and education resources

These features ensure you can invest with confidence and without confusion.

Best Investment Apps for Seniors in 2025

Fidelity Investments App

Trusted Platform with Retirement Focus

Fidelity is one of the most reliable names in the investment world. Their app is senior-friendly, offering an intuitive dashboard, strong retirement planning tools, and access to mutual funds, index funds, and ETFs. You also get access to live customer support and retirement advice without extra fees.

Charles Schwab Mobile App

Easy Investing with Real Retirement Guidance

Charles Schwab’s app is another solid option for retirees. It provides an easy-to-use platform with strong retirement planning features, including tools for income generation and tax planning. The app also allows you to invest in low-cost funds and receive personalized support through their robo-advisor or live consultants.

Vanguard App

Perfect for Long-Term & Low-Cost Investing

Vanguard is ideal for retirees focused on long-term, stable investments. The app offers access to industry-leading index funds and target-date retirement funds. It’s perfect for conservative investors who prefer a “buy and hold” strategy. While the app is basic in design, it’s trustworthy and very low in fees.

Betterment

Smart Automated Investing for Seniors

Betterment is a robo-advisor that manages your investments automatically. It’s perfect for retirees who want to set their goals and let the app do the rest. Betterment focuses on income generation, tax efficiency, and low-risk strategies. Its clean layout and automatic portfolio rebalancing make it a top pick for tech-cautious seniors.

M1 Finance

Custom Portfolios & Retirement Accounts

M1 Finance combines automation with customization. Retired investors can create portfolios with stocks, ETFs, or dividend-paying options. The app is user-friendly and allows you to build a portfolio that matches your retirement goals. It also supports IRAs and offers great educational content for beginners.

Acorns

Micro-Investing for Retirees on a Budget

Acorns is a great app for seniors who want to invest small amounts over time. It rounds up your everyday purchases and invests the spare change. Acorns also offers retirement accounts like IRAs and personalized portfolio recommendations. It’s simple, fun to use, and ideal for beginners or those on a fixed income.

Stash

Invest & Learn in One Simple App

Stash combines investing and education, which makes it a great tool for seniors learning the ropes. You can invest in small amounts, choose your preferred sectors (like clean energy or healthcare), and even get guidance based on your risk level. Stash also offers banking features and retirement accounts in one app.

Public

Transparent Investing with Real-Time Support

Public is designed for ease and education. It shows you real-time trends, lets you follow other investors, and provides helpful learning tools. For seniors who want to understand where their money is going, Public offers transparency and simplicity. It’s also beginner-friendly with no hidden fees.

Tips for Retired Investors Using Apps

Stay Safe, Stay Smart

Start small: Test an app before investing large sums.

Use retirement-focused portfolios: Choose safer, income-producing assets.

Enable security features: Use two-factor authentication to protect your account.

Take advantage of educational tools: Many apps offer videos, articles, and guides tailored for beginners and retirees.

Set your financial goals: Whether it’s preserving wealth, creating passive income, or supporting your family, make sure your app helps you track these goals.

Types of Investments That Suit Retirees

Low-Risk, Steady Income Options

Some ideal choices for seniors include:

Dividend Stocks – Provide regular income.

Bonds or Bond ETFs – More stable and less risky.

REITs – Invest in real estate and earn rental income.

Index Funds – Diversified, low-cost, and easy to manage.

Fixed Income Funds – Designed specifically for steady payouts.

Apps that support these options make investing simple and less stressful for seniors.