Is it worth Trading on Margin? – Easy Step by Step Guide

Is it worth Trading on Margin?

Trading stocks on margin entails borrowing money from a broker in order to make a transaction. But is it worth trading on Margin? Let’s find out. 

A margin account improves purchasing power while also allowing investors to utilize someone else’s money to raise financial leverage by borrowing money from other investors. 

Margin trading has a higher profit potential than regular trading, but it also carries a higher level of risk.

Is It Worth Trading On Margin | What is Margin Trading?

Buying stock on margin implies borrowing money from a broker in order to make a transaction. As a result, you might consider it a loan from your brokerage. 

Margin trading permits you to purchase more stocks than you would ordinarily be able to do. A margin account is required in order to trade on margin. 

This differs from a traditional cash account, in which you trade with the money that is now in the account. To create a margin account, your broker will acquire your signature. 

The margin account may be included in your normal account opening agreement, or it may be a completely different arrangement from your standard account opening deal. 

A minimum initial investment of $2,000 is necessary to open a margin account, however certain brokerages may ask for a higher amount. The minimum margin is the amount of money that you put down as a deposit.

How Does Margin Trading works?

Observing how margin trading could play out in the real world is the most effective approach to learn about its complexities.

Consider the following scenario: Jerry has $5,000 in cash on hand, and he wants to purchase a stock that is worth $100 a share. He proceeds to purchase 50 shares of the stock.  

One year later, the stock price has increased to $120 a share, and Jerry chooses to sell all of his remaining shares for a total of $6,000. 

Is it worth Trading on Margin? - How Margin Trading Works?
How Margin Trading Works?

Jerry generated a $1,000 profit on his initial investment, resulting in a $1,000 profit. Generally speaking, this is how the stock market operates.

But first, let’s go back to the beginning of the narrative. Following margin regulations, Jerry could put down $5,000 and then borrow an additional $5,000 to purchase 100 shares of the stock he was interested in buying. 

Jerry would gain $12,000 if he performed that leverage trade and then sold all of his shares a year later at the same $120-per-share price, resulting from that margin trade. 

Jerry would wind up with a little less than $2,000 in profit after he pays back the $5,000 he borrowed (plus interest) on his loan.

That sounds fantastic, doesn’t it? Not so fast, my friend! Keep in mind that while your winnings are larger, your losses are also larger—this is the downside of margin trading.

A decline in Stock Price

What if the stock price dropped to $80 per share after a year and Jerry decided to sell and take his losses? 

Even if Jerry was able to sell all 100 of his shares for $8,000, he would still be required to repay the $5,000 he borrowed (again, plus interest). 

After subtracting this amount from his initial investment, Jerry is left with less than $3,000, which indicates he has taken a $2,000 loss. Yikes. If he had just continued to invest his $5,000 in 50 shares, he would have only suffered a loss of $1,000.

Buying on Margin

Purchasing stocks on margin is similar to borrowing money from your broker in order to purchase shares. 

The use of margin increases your prospective returns, both for good and for worse, and it is critical for investors to grasp the implications and potential ramifications of doing so.

First and foremost, borrowing money on margin entails paying interest to your broker on the money you’ve borrowed. 

For example, at Fidelity, the interest rate on margin balances up to $24,999 is 8.325 percent. With the maximum rate being $24,999. Consider the difference between that rate and the possible yearly return of 9 % to 10 % on stocks. 

You’ll quickly see that you’re taking on the risk, but the broker is reaping the profits to a significant extent. 

In order to take advantage of margin, you must be concerned about your net profit margin. Which is the amount of money left over after paying interest. And which will be less than the amount of money gained through investing.

Investors should also be aware that brokerage firms have initial margin requirements, also known as minimum margin requirements. It requires the investor to deposit a certain amount of money into their account before they may borrow money. 

To utilize margin at Fidelity, you must first deposit $2,000 into your account. The margin requirement for purchasing an individual stock is 50 percent. Which means that if you wish to purchase stock worth $10,000, you must put up an additional $5,000 in equity. 

In addition, there are maintenance margin requirements of at least 25 % equity. Which would apply when account values decrease. And that rate may be modified based on how the account performs and overall market volatility, among other factors.

Margin Call

When you have a margin loan that is still owing, your broker may issue what is known as margin call. Which is particularly useful if the market swings in your favor. 

When you receive a margin call, your broker may require you to either provide additional funds or sell positions that you presently hold in order to meet the call. If you are unable to cover the call. Your broker will sell your positions in order to make up the difference.

However, if your broker begins to sell off your positions, that broker isn’t concerned with your tax status, your assessment of the company’s long-term prospects, or anything else other than meeting the call. 

If the market turns against you in a significant way. For example, if the business whose stock you purchased on leverage went bankrupt and the shares became worthless. You’ll still responsible for the money you borrowed.

What are the Benefits of Margin Trading?

The following are some of the benefits of Margin Trading:

The opportunity to leverage assets

In order to enhance the amount of your investment, you may buy stocks on margin and use the value of the assets you currently own to leverage the size of your purchase. 

If the value of your investment grows, you will be able to potentially increase your returns as a result of this strategy.

The ability to profit from share price declines

Short selling is a complex investment technique in which an investor attempts to profit from a decreasing stock price by selling shares at a loss. 

You must first borrow shares of stock from a brokerage business in order to sell a stock short. This requires that you have a margin account approved by the brokerage firm.

Is it worth Trading on Margin? - Win - Win Situation
Win-Win Situation

After borrowing shares, you sell them and then repurchase them at a later period at a cheaper price. Assuming that the price has dropped. 

Your profit would be equal to the difference between the proceeds of the initial sale and the amount necessary to purchase back the shares.

The capacity to diversify a portfolio

If your portfolio contains a significant block of stock from a single company. Such as a current or previous employer, you may be placing too many eggs in one basket and risk losing your investment. 

The use of your shares as collateral for a margin loan. On the other hand, maybe possible through the use of a margin account. 

Once you get the loan funds, you can invest them in other investments. Rather than selling the stocks that you originally purchased with them. 

A significant unrealized capital gain and the desire to maintain it that way might make this method particularly advantageous.

A flexible line of credit

A margin loan can be taken out at any time once your account has been approved for margin borrowing. You will not be required to submit any extra paperwork or applications. 

It may be advantageous to have immediate access to cash in a variety of situations, such as when you are jobless, when you have an unexpected medical cost, or when you require a rapid means to access cash for any other reason. 

If your brokerage account includes a checking account, you may simply write a check to cover the transaction.

Interest rates are at historic lows

With a margin loan, you will be subject to interest charges in the same way that you would with any other loan. 

As a result, because margin loan rates tie to the federal funds target rate. Your interest rate may be lower than what you would pay for a credit card cash advance or a loan. Particularly if you have a big amount. 

It is possible that margin rates are competitive with rates on home equity loans. But without the hassle of paperwork and application costs.

Flexibility in terms of repayment

As long as your debt does not exceed your margin maintenance requirement. You are free to choose your own repayment plan for your loan.

Interest that is tax-deductible

The interest that accrues in the account may use to reduce taxable income in the future. For further information about your specific tax position, consult with your tax expert.

Participation in advance option strategies

Being approved for both a margin account and options trading gives you the ability to make sophisticated options orders on stocks, ETFs, and indexes, such as spreads, butterflies, and uncovered options on these instruments.

What are the Risks Associated with Margin Trading?

The concept of putting lipstick on a pig isn’t something we’re going to do here; margin trading is a pretty bad idea. This is a terrible concept. Debt is already a bad investment in and of itself—but attempting to invest with debt? That takes dumb to an entirely new level.

One of the most widespread misconceptions is that billionaires gained their fortunes by taking large financial risks with their money. 

When Trading On Margin Goes Wrong

Wrong! While it is true that virtually all investments include some level of risk, millionaires keep their risk-to-reward ratios in line by sticking with tried-and-true assets that have a proven track record over a lengthy period of time.

A large portion of the millionaires in the world owe their fortunes to their plain old 401(k) and IRA accounts! The affluent individuals we know do not rely on debt—or, pardon us, “leverage”—to achieve their financial success.

Here’s the deal: every time you put yourself into debt in order to invest. You are putting yourself at risk of financial ruin, and it is just not worth it. 

When it comes to margin trading, a few bad decisions might result in the loss of your whole portfolio. 

Interests on Margin Accounts

Not only do you run the danger of losing your whole investment if your stocks take a plunge. But you must have to repay the margin loan you took out, plus interest if your stocks continue to decline. 

Because of the interest payments and charges you must pay in order to execute your transactions. You might potentially lose more money than you initially invested in some circumstances.

Millionaires understand that accumulating wealth takes time and that there are no shortcuts to success. They don’t take needless chances with their money, and you shouldn’t either.

Failure of Margin Trading

According to media sources, a 20-year-old student in the United States committed himself recently after discovering a $750,000 negative balance in his trading account, according to the report.

The student was trading options through the use of an app that was popular among ordinary investors in the United States.

Interest Rates on Margin Accounts

You’ll be required to pay interest on the amount of the margin loan, just as you would on any other loan you’ve obtained.

Margin interest rates are generally lower than those charged by credit cards and unsecured personal loans; nonetheless, you should conduct your own comparison.

Based on a tiered schedule that is defined by the amount of margin loan taken out, the interest rate is adjustable. If you have a large amount, you will be charged a reduced interest rate.

Debit balanceMargin interest rate
$1 million +4.000% (3.075% below base rate)
$500,000–$999,9994.250% (2.825% below base rate)
$250,000–$499,9996.575% (0.500% below base rate)
$100,000–$249,9996.825% (0.250% below base rate)
$50,000–$99,9996.875% (0.200% below base rate)
$25,000–$49,9997.825% (0.750% above base rate)
$0–$24,9998.325% (1.250% above base rate)

Ways to Avoid Margin Trading Risks

  • Consider establishing a cash buffer in your account to assist decrease the risk of receiving a margin call in the future.
  • Take steps to prepare for volatility; structure your portfolio such that it can sustain large swings in the total value of your collateral without dropping below your required minimum equity.
  • Invest in assets with high return potential; the securities you purchase on margin should, at a bare minimum, have the ability to earn more than the cost of the loan’s interest payment.
  • Decide on a personal trigger point, and have additional financial resources on hand in case your balance reaches the minimum required to maintain your margin account balance.
  • Pay down interest charges on a regular basis; interest costs post to your account on a monthly basis. So it makes sense to pay them down before they balloon to unmanageable proportions.

Alternative to Margin Accounts

A cash account is the only alternative to a margin account. A cash account is a kind of brokerage account in which the investor is required to pay the entire amount of money for the securities that are bought.

Quite simply, your money represents your purchasing power in a cash account. In order to trade, you cannot borrow money.

Keeping track of your settled funds and unsettled monies is essential while operating a cash account. Money has been collected.

Most of the cash collected from liquidation holdings over the past two days is included in the unsettled funds’ category. It becomes settled money once it has been settled.

It is not necessary to count day trades while using a cash account. With your settled money, there is no restriction on how many day transactions you may make.

Please bear in mind that trades are done in a cash account takes 2 business days for the funds to fully settle before they may be utilized to purchase and sell in the same account again. Two business days are added to the date of the trade.

When funds are used to acquire securities that have not yet settled in the account, it is considered a good-faith breach. Because of this, it is quite easy to obtain good-faith violations if you engage in day trading with a cash account and do not have sufficient settled money (GFVs).

Margin Trading – A Quick Summary

Here is a quick summary of Margin trading that will help you to decide whether it is worth it or not:

Minimum Investment$2000 (Depends on Broker too)
Benefits• Maximized potential returns
• Tax-deductible allowance
• Advance trading options
Risks• High chances of loss
• Interest Expense
• Chances of losing the initial investment
Best Margin Trading Platforms•
• Interactive Brokers
• Plus500
• Charles Schwab
• Fidelity


Margin trading entails a considerably higher level of risk than traditional investment. It is possible that you will lose even more money than you initially invested if the transaction does not go well for you. 

However successful your trading is, interest costs on money borrowed might eat away at your profits in the long run.

Assuming that you are completely aware of the dangers and expenses associated with margin trading. It has the potential to improve your earnings and return on investment. It may also make it possible for you to invest in a wider choice of assets.

Is Acorns Investing Worth It? Our 2022 Analysis

Is Acorns Investing Worth It?

Acorns is one of the most popular round-up investing applications available, and it is among the finest in the business. It’s simple to use, offers a fantastic education platform for novice investors, and has simple, upfront costs, among other things. But, Is Acorns investing worth it? Let’s find out!

Is Acorns Investing Worth It | What is Acorns Investing?

Acorns is a fintech company best known as a micro-investing platform. It allows users to set up automated investments into a portfolio through Round-Ups: Acorns rounds up a debit or credit card purchase made on a linked card to the nearest dollar and invests the change on behalf of the member.

Investments are made into one of five portfolios carrying different levels of risk. Acorns is one of many fintech companies focusing heavily on millennial investors, including Robinhood Markets, Inc. and Stash Financial, Inc.

It appeals to millennials and other people new to the world of investing, who may not have significant capital to put toward their retirement. Acorns’ goal is to enable users to invest early and often and with minimal effort. The average Acorns member invests more than $30 per month through Round-Ups, the company’s signature program.

When was Acorns Investing launched? 

Acorns is an Irvine, California-based financial technology and financial services business that specializes in micro-investing and Robo-investing. Acorns had 8.2 million clients and $3 billion in assets under management in 2020, according to Fortune’s Impact 20 list.

 It was first released in 2014 as an iOS and Android app. The portfolio choices available to users created in collaboration with Nobel Laureate and paid adviser Harry Markowitz.

Who created Acorns Investing App? 

Walter and Jeff Cruttenden, a father-and-son business partnership, established Acorns in 2014. Walter, the father, established investment banking company Roth Capital and was the founder and CEO of E-Trade’s investment banking division. 

Shlomo Benartzi, a behavioral economist, named head of an Acorns behavioral economics committee in 2018. He is working on the Money Lab project, which would perform field tests on customer spending.

CEO Noah Kerner, who formerly headed creative branding firm Noise and served as Chief Strategy & Marketing Officer at WeWork, now leads the business. Acorns intends to go public in May 2021 via a merger with Pioneer Merger Corp, a blank-check business.

How Does Acorns Work?

Acorns is a platform that allows members to invest by saving small amounts of money regularly; a method known as micro-investing to save for retirement. Essential banking services are also available on the website for a low fee.

The company’s services are divided into three areas. The first allows members to invest their spare cash in exchange-traded funds (ETFs). The second feature allows users to create and fund an IRA directly through the platform, and the third gives members access to a debit card provided by Visa, Inc.

Acorns offer five distinct Robo-related products for Invest, Later, Spend, Found Money, and Early.


A taxable investment account in which you may invest in exchange-traded funds (ETFs) based on your risk tolerance and financial objectives. 

Round-ups and dollar-cost averaging are two methods to keep the account funded indefinitely. You may set up regular donations to your account for as little as $5 with the latter. As previously stated, the former invests “spare change” from a connected account.

Is Acorns Investing Worth It? - Acorns Mobile App
Acorns Mobile App


Retirement is referred to as “later” by Acorns. You’re meant to invest for the long term, and selling your assets too often may be expensive. 

Perhaps Acorns should assume that their client base understands what “retirement” entails. In any event, “Later” is just a method to deposit funds into an IRA, which is a requirement for any Robo-service.


A checking account that includes a debit card and waives several fees, including one for maintaining minimum balances. 

Some ATM costs are also reimbursed. Smart Deposit is another tool that enables you to automatically drain money from a direct deposit in your Spend account into other accounts, such as Invest. 

Found Money

A website that gives you a tiny percentage back on purchases made at hundreds of big stores, including Walmart. The money you save when you purchase on Found Money goes into your Invest account.


Acorns’ most costly tier offers access to a UTMA/UGMA account, enabling parents to open up accounts for their children without dealing with complicated paperwork.

What are the features of Acorns investing?

You can set up regular payments of larger amounts, receive referral incentives, and earn additional cash to invest by shopping via Found Money, the main Acorns app’s rewards program, to increase your Acorns balance, but these features aren’t as well promoted as the ability to invest your change. The features of acorns include: 

  • Diversified portfolios.
  • Automatic rebalancing.
  • Access to Acorns Earns partners to earn while you shop.
  • On-the-go accessibility through our mobile and web app.
  • Investment support from our dedicated support team.
  • Access to Acorns Later, an easy way to save for retirement.
  • Access to Acorns Checking, the only debit card that saves, invests and earns for you.

How Can You Benefit From Acorns?

“The ideal moment to start investing was ten years ago. Today is the second-best time”. This is a saying you’ve probably heard before, and it couldn’t be more accurate. 

Compound interest has more time to act to your advantage the sooner you start investing.

For a student, is Acorns investing worth it? Acorns offer a great deal. It may be a fantastic method for students with large debt loads or modest salaries to start creating money for their long-term future.

Acorns are well-known for its ability to invest your extra cash, and for a good reason. It’s a fantastic concept, and Acorns makes it simple. 

Is Acorns Investing Worth It? - Acorns Mobile App
Acorns Mobile App

The majority of individuals are unaware that investing isn’t limited to spare cash. You have the option of making more significant donations, which may be done automatically.

You may set up an account to automatically invest a modest but regular amount of money each month. You’ll have a far more significant effect if you combine automatic contributions with round-up investments.

Keep in mind that you’ll have to pay a monthly charge to utilize Acorns. To make the entire thing worthwhile, you’ll want your investments to be more than your charge.

Rounds Up Method

Acorns is well-known for its “Round-Ups” method, which allows you to invest your spare change anytime you use a connection card. Let’s suppose you spend $9.45 on lunch at your favorite restaurant. You may use Acorns to round up to $10 and invest the additional 55 cents in your Acorns account.

Acorns has taken Round-Ups to the next level. You may choose to increase your “spare change” amount by up to 10 times. As a result, instead of spending 55 cents, you may invest up to $5.50 in that one transaction. This is a great habit to develop if you want to save more money every day.

In this instance, “Acorns Earn” refers to one of the Acorns’ most incredible and most potentially effective features, rather than any dimes or pennies you may discover on the pavement.

The way it works is that every time you use your Acorns-linked debit or credit card at a participating shop, that retailer will contribute to your Acorns investing account.

We’re not even talking about off-brands here. These are presumably companies where you already spend money.

Checking Account

Acorns also provide an Acorns Spend checking account. With their Smart Deposit service, you may have a part of your paycheck automatically deposited into your checking, investment, or retirement account. It’s a way to put money into yourself without even thinking about it.

Acorns Spend also includes a Visa debit card, which you may use to make purchases and deposit round-ups into your investing account. You also get access to 55,000 fee-free Allpoint ATMs throughout the United States.

Plus, if you sign up for direct deposit into your Acorns Spend account and get two installments, you can earn $75 right now. That’s an additional $75 you may put toward your investment account, retirement account, or have some extra spending money.

You’re well on your way to getting the most out of the Acorns app if you’ve signed up for Round-Ups and automatic contributions. You may get a bit more out of it if you connect your credit cards.

We aren’t usually lovers of utilizing credit cards. After all, getting out of needless consumer debt is a key to financial success.

Rewards Program

Credit cards with substantial rewards programs, on the other hand, may increase your Acorns advantages if you avoid keeping a revolving amount.

Let’s suppose you go to Starbucks and spend $2.95 on a large coffee. Acorns will round up to the nearest 5 cents and deposit the difference in your account. 

However, if you have a Round-Up booster set, you may round that number up to $5 and save even more money in your account.

If you pay using your Starbucks credit card, the money will be credited to your rewards account as well. 

You’re working your way toward complimentary drinks on top of the additional $2.05 you’ve placed in your Acorns savings account. If you do this every day, it will mount up over time, both in terms of your Starbucks addiction and your money.

Of course, depending on your credit card program, you may utilize this method to earn frequent flyer points and perhaps cashback.

There’s no better way to invest your extra cash and receive the odd store reward than Acorns, mainly since it provides IRA accounts. Acorns’ automated roundups simplify saving and investing, and most investors will be astonished at how fast their pennies add up.

What are the other users saying about Acorns Investing?

Is acorns investing worth it or not can be known by looking at the figure that the business has received about $100 million in venture capital financing since its inception.

Jennifer Lopez, Alex Rodriguez, Bono, Ashton Kutcher, and Kevin Durant were among the prominent investors in Acorns as of August 2019. PayPal, BlackRock, and NBCUniversal are among the company’s investors.

How to buy a subscription of Acorns?

For your financial requirements, Acorns provides three distinct subscription levels.

Acorns Lite costs $1 each month- Are you ready to get started? With a simple, automatic investing account, you can invest spare change, set up recurring investments, and more.

Personal Acorns – $3/month- Your financial health system, complete with all-in-one investment, retirement, and checking accounts, as well as a metal debit card, financial counseling, and more!

Acorns Family- $5/month- There are investment accounts for an infinite number of children per family! Also included are a personal investment, retirement, checking accounts, bonus investments, financial counseling, and more!

While those costs seem to be reasonable, they’re very costly when calculated on an annual % basis, as many other investing apps and Robo-advisors do. 

Is Acorns Investing Worth It? - Pricing
Acorns Pricing

Younger employees just starting—the kinds of investors Acorns aims to attract—will pay more than rival robos.

Assume you have $100 to put in a new investing account. Your yearly fee would be $0.25 if you utilized Betterment, which charges an annual percentage rate of 0.25 percent for its essential Betterment Digital product. The cost of that $100 investment over a year would be $12 if you established an Acorns Lite account.

Consider a $10,000 investment in an Acorns Personal account, which would cost you $36 per year, or 0.36 percent, making it more costly than Betterment.

Naturally, when you invest more, the fees become a lower and smaller percentage of your total amount, but this may take time. 

Expenditure Ratio

The expenditure ratios for investment expenses vary from 0.03 percent (VOO) to 0.25 percent (two ESG funds). If you invest in Early, Invest, or Later, you will pay this amount.

A brief word on Spend: While Acorns’ checking account is technically free, the fact that you must spend $36 per year to get access to it is less than ideal, primarily because other robos, like Betterment, provide access without such restrictions.

Even so, you could see the checking account as a bonus to get into the $3 tier, in which case the cost is less important.

How to cancel the subscription of Acorns? 

If due to any reason, a question arises in your mind that “is acorns investing worth it or not?” and you like to cancel your subscription. Follow these steps while operating from your phone: 

  • Tap the menu (avatar) in the top left corner of the screen after signing in to your account.
  • Tap “Settings,” then “My Subscription,” then “Manage.”
  • Follow the steps to liquidate and cancel accounts by tapping “Cancel subscription.”

And if you are operating through the web and the same question hit your mind that “is acorns investing worth it or not?” and you want to cancel your subscription. Follow these steps to cancel your subscription of acorns:

  • After signing in to your account, go to the top right corner of the screen and select the menu (avatar).
  • Select “Profile & Settings” from the drop-down menu.
  • Select “My Subscription” from the drop-down menu.
  • Scroll down to “Manage” and click it.
  • Select “Cancel Subscription” from the drop-down menu.

To liquidate and cancel accounts, follow the instructions.

How to reach customer care of Acorns if having any inquiry?

If you have any queries, feel free to contact the Acorns Support team:

Phone: (855) 739-2859.


What are the alternatives to Acorns? 

Is acorns investing worth it alone, or do an investor have any other option too? The answer to this question comes up with several alternative options. 

There are several alternative applications, which are operating on the principle of acorns. Some of them are Betterment, Wealthfront, and wealth simple. Let’s discuss a few details of these apps. 

Betterment simply levies a fee. It charges a flat cost of 25% per year for its lowest pricing tier, which works out to only pennies a month while you build up your portfolio.

What about Wealthfront, another Robo-advisor? You will require a $500 minimum balance. They do, however, provide free account management for the first $10,000 of each account. Wealthsimple, a Canadian Robo-advisor, charges up to.50 percent in fees but also provides a personal touch.

But an alarm beeps in the mind that is acorns investing worth it more than the others? The answer is, the five investment portfolios Acorns offers to maximize your profits while minimizing your risk.

Moreover, Acorns does not operate on commission. Therefore there are no account minimums. Acorns aims to provide you with the resources you need to take the best possible care of your finances.

We believe that everyone should have access to financial health, so we make it simple to invest in yourself. You can start investing early and frequently with Acorns without making major lifestyle adjustments. You may get start with as little as $5.

Pros of Acorns App

The answer to the question “Is Acorns investing worth it?” has two aspects. One is that the best investing approach is to get started right away—Acorns strives to make this as simple as possible. 

With no account minimum, you can start making regular contributions right away. You can also round up your purchases on connected accounts to contribute even if you do not consider yourself an investor.

However, setting up your savings is straightforward, thanks to an intuitive interface, and you won’t be overwhelmed with a confusing variety of ETFs. 

You’ll spend relatively little in fees if you stick to a primary account without ESG funds. If you need a little push to get start, Acorns’ automated service makes a lot of sense.

Cons of Acorns App

The other aspect of the answer to the question “Is Acorns investing worth it?” is that Acorns has a handful of significant flaws. 

The first is the tiered charge structure, which is prohibitively expensive for individuals who are just getting started with modest balances. It’s a terrible bargain to pay $36 a year to access an IRA when you have a few hundred dollars invested. 

While many Robo-advisors have a $500 or $1,000 account minimum, Betterment offers a no-minimum, lower-fee option.

It’s a difficult pill to take that you have to pay $3 to gain access to your bank account, and there’s no way to speak to a real-life financial adviser.

Meanwhile, although some parents may prefer a UTMA/UGMA account, anybody saving for college may wish 529 accounts were available. 

Furthermore, there are no tax-loss harvesting tools, which will be helpful if you have more money in your account and need to balance the tax consequences of selling winners.

Is Acorns Investing Worth It? – Quick Summary

We have reviewed the Acorns Investing thoroughly above, but does it really worth it? We have devised a quick guide to help you focus on the major factors that will help you decide if you really should use it or not.

Account minimum$0 to open account; $5 required to start investing.
Investment expense ratios0.03% to 0.18%.
Automatic rebalancingFree on all accounts.
Tax strategyNot available.
Portfolio mixThe portfolio mix is generally well-diversified but lacks significant exposure to international bonds.
A sustainable portfolio is available for free.
Account fees (annual, transfer, closing)$50 per ETF to have them transferred to another broker when you close your taxable Acorns account; no charge to sell your investments and have the resulting cash transferred.


The only way to fight inflation and make your money generate more money is to invest. Even though the markets are turbulent, you are more likely to earn money if you concentrate on long-term investment. 

Unfortunately, investment is often seen as a problematic and challenging concept to grasp, or at the very least, a time-consuming process to begin. This is why, before risking your real money, it’s a good idea to practice investing with paper trading.

Acorns is generally not a suitable match for people who are well into their careers unless they need to play significant catch-up with investing. 

If you’re in your 40s or later and haven’t begun saving for retirement, you should look into other ways to invest. Acorns are an excellent method to begin increasing your taxable assets, which are an essential component of every retiree’s portfolio.

Overall, Acorns is an excellent method to start investing and developing a portfolio without dealing with the headaches that come with HR. Using these methods to optimize your app use after you’ve gotten started, and you’ll notice your money start to increase quickly.

Investing vs Trading in 2021 – Which is Best For You ?

Investing vs Trading in 2021

Investing vs trading in 2021 are two very distinct ways of trying to profit in the financial markets. Both investors and traders seek gains via market involvement. 

In general, investors seek higher returns over a longer time via purchasing and holding. Traders, by contrast, take advantage of both rising and falling markets to join and exit positions within a shorter time period, reaping smaller, more frequent gains.

Differences Between Investing and Trading

The following are the 5 key differences between investing and trading:

Basic Difference

Trading usually carried out by individuals who engage in intraday trading and are always on the lookout for growth investment opportunities, in which case technical analysis techniques are used. 

They are able to anticipate whether the movement will be greater or lower. On the other hand, an investor is seeking a good return on his or her investment. Moreover, he or she is willing to hold onto their investment for an extended period of time.


Because there is no hedge against this kind of transaction, the risk associated with this technique is very high, and the amount of money at stake is extremely large due to the lack of downside protection. 

On the other hand, an investor may have a suitable portfolio in which the downside of one item will offset by the upside of other assets in order to hedge against the losses.

Market Change

The movement of the market and the indexes is usually due to high quantities of trading activity, and traders. As opposed to investors, have a significant role in changing the market values in this situation.


Traders have a preconceived notion of what is going to happen on the upside or the downside. They trade in accordance with this; they have many kinds of trading strategies like the Butterfly, Short sell, Long Straddle, Strangle, and many more. 

While an investor has a straightforward and vanilla approach to hold the asset while investing: keep the asset.


Because buying and selling transactions take place on a daily basis, returns in trading are both unpredictable and rapid. As a result, an investor must wait a long time before seeing a significant return.

Investing vs Trading in 2021 | Trading Time Horizon 

Investing vs Trading in 2021 - A clock illustration of Trading vs Investing Time Horizon
Time Horizon

Day trading requires a daily commitment of at least two hours, which is customary. 

The first hour after the United States’ stock markets are formally opened for business is usually considered to be one of the greatest periods to profit from big price movements. 

As New York’s lunchtime approaches, the stock market’s activity tends to slow down.

When trading full-time, your overall time commitment should be about 15 hours per week on the low end. And up to 40 hours per week on the high end (if you’re trading the most of the day). 

The busiest period for stocks, currencies, and futures in the United States market is around the time of the market’s opening each morning. 

Alternatively, global markets (particularly currencies and European equities) tend to be active in the hours leading up to the European open.

What Type of Investors should consider trading?

If you want to opt to trade, you’re far more concerned with the short term and less concerned with the company as an enterprise. You will almost certainly perform any or all of the following activities, for example:

  • You’re less concerned with whether or not the underlying company will succeed and more concerned with whether or not the stock will generate profits for you.
  • You want to know what other people think about a transaction because you aren’t just betting on a stock or a mutual fund; and you are also betting on the other individuals at the table.
  • You may look at short-term price fluctuations, even monitoring the charts by the minute. In order to forecast the optimum moment to buy or sell.
  • Share price movements influence your decisions rather than the fundamentals of a company.

Age retirement?

In order to be successful in early retirement, you must keep your costs as low as possible while still employed. 

After retirement, you may save a few thousand dollars on your season ticket and you won’t have to purchase another custom suit any time soon, but it’s unreasonable to expect to save a lot of money on energy costs.

If you are willing to take chances and trade on your own account, your money will go further. 

To be successful in trading, however, you must be realistic about your prospects of making a profit: can your approach truly survive outside the environment of a hedge fund or without the flow of orders that you see on the buy-side, for example? 

You might wind yourself duplicating all of the pressures of your day job for a lesser income; this is one of the reasons why my own trade is completely computer-controlled.

Investing Time Horizon

It is possible to invest for the long term (as well as do the study necessary for it) at any time, even if you work long hours in an office job. 

When you’re ready to invest in stocks, you may anticipate spending a few hours each month searching for companies that are consistent with your investment plan. 

Finding or developing an investing plan will require more time in the early stages of the process.

Some individuals prefer to be more active, devoting a few hours each week to research and other activities (especially if they have lots of capital and are looking for multiple opportunities).

Every few months, or maybe just when they are ready to make another purchase, an investor who prefers to “set and forget” may need to do some research or check on their assets.

What type of Investors is Investing Suited For?

Your concern about investing may stem from a lack of understanding of the market or from the intimidating nature of the first investment choices available in many mutual funds. 

If you want to start investing as soon as possible, it’s best to do so as soon as possible. However, there are a few things you should consider before you begin developing your investment portfolio.

The following people should start investing:

  • You are financially stable
  • You know where to invest wisely
  • Investment options are available to you
  • You are patient enough to adopt the “Invest and forget” strategy

What Are the type of Investments they can consider?

Following a year of decreased spending and a handful of stimulus cheques from the federal government, many Americans are sitting on a large pile of cash in their bank accounts. 

Moreover, although the reopening of the economy may result in increased spending on postponed holidays and other pastimes, many people will be searching for ways to put their newly discovered excess to work.

The stock market, as well as almost every other asset class, is flourishing right now, and it may be daunting to dip your toes into the investment waters if you haven’t done so before.

High-yield savings accounts

This may be one of the most straightforward methods to increase the return on your money above and above what you would receive from a traditional checking account. 

Customer access to their money is maintained through high-yield savings accounts, which are frequently opened through an online bank. 

High-yield savings accounts, which are often opened through an online bank, tend to pay higher interest rates on average than standard savings accounts, while still allowing customers regular access to their money.

The money you’re saving for purchase in the next couple of years, or money you’re simply hanging on to in case of an emergency, maybe put to good use in this account.

Certificates of deposit (CDs)

CDs are another option for earning extra interest in your savings. But they will need you to keep your money in the account for a longer period of time than a high-yield saving account. 

When purchasing a CD, you may choose from a variety of terms such as six months, one year, or even five years. However, you will usually be unable to retrieve your money before the CD expires without incurring a penalty.

If you buy one via a federally insured bank, you will be protected up to $250,000 per depositor, per ownership category, if you purchase one through a federally insured bank.

401(k) or another workplace retirement plan

This may be one of the most straightforward methods to get started in investing, and it comes with a number of significant benefits that might be beneficial to you both now and in the future. 

In most cases, your company will match a part of the amount you agree to set aside for retirement from your regular salary. If your company provides a match and you do not join in the plan, you are essentially turning away free money from your employer.

Contributions to a conventional 401(k) are made before being taxed. And the funds grow tax-free until the participant reaches retirement age. 

Some companies offer Roth 401(k) plans, which enable employees to make contributions after they have paid their taxes. If you choose this option, you will not be required to pay taxes on withdrawals made during your retirement.

Employee pension plans are excellent savings vehicles since they are automated after you have completed the necessary setup steps and enable you to make regular investments throughout your career. 

Target-date mutual funds, which manage their portfolios in accordance with a particular retirement date, are another option for you to consider. 

As you move closer to the goal date, the fund’s allocation will shift away from riskier assets to account for the fact that you will be investing for a shorter period of time in the future.

Mutual funds

Mutual funds provide investors with the option to participate in a diversified portfolio of stocks, bonds, and other assets that they may not be able to put together on their own otherwise.

Among the most popular mutual funds are those that follow indexes such as the S& P 500, which is made up of about 500 of the biggest corporations in the United States. 

Index funds often charge extremely low or no fees to the funds’ investors, and in certain cases, no costs are charged at all. 

Due to these low expenses, investors are able to retain a larger portion of the funds’ profits for themselves, which may be a fantastic method to accumulate wealth over time.


Unlike mutual funds, exchange-traded funds (ETFs) maintain a diversified portfolio of assets and are traded on a stock exchange throughout the day, much like a stock would. 

ETFs do not have the same minimum investment requirements as mutual funds, which are usually in the range of a few thousand dollars to several hundred thousand dollars. 

Investing in exchange-traded funds (ETFs) may be done for as little as the cost of one share plus any costs or charges connected with the transaction, but you can get started with even less if your broker enables you to buy in fractional shares.

Both exchange-traded funds (ETFs) and mutual funds (MFs) are excellent assets to own in tax-advantaged accounts such as 401(k)s and IRAs.

Individual stocks

Investing in individual businesses’ stock is the riskiest of the investing options mentioned here. But it may also be one of the most lucrative. 

Nonetheless, before you begin trading, you should evaluate if purchasing a stock is a good investment for you. 

Consider if you are investing for the long-term, which is usually at least five years. And whether you are familiar with the company in which you are making the investment. 

Stocks are valued every second of the trading day, and as a result, individuals who own individual stocks are often tempted to adopt a short-term trading mindset when they invest in them.

However, since a stock represents a portion of ownership in a genuine company. Your wealth will grow in tandem with the fortune of the underlying company in which you invested. 

If you don’t think you have the knowledge or the stomach to ride out a bear market with individual equities. You may want to explore the more diversified strategy provided by mutual funds or exchange-traded funds (ETFs).

Options Trading Excel Template – Free Downloads

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Is it worth Trading on Margin?

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Risks And Return

Investing vs Trading in 2021 - Which is best for you ? Trading or Investing ?
Investing vs Trading in 2021

When it comes to trading and investing, there is always a risk. The trick is to understand how much money you can earn in comparison to how much money you can lose.


You may be able to earn anything from 0.5 percent to 3 percent each day (on the high end). Even while this may not seem like much, it may amount to anywhere between 10 percent and 60 percent in profit each month.

When dealing with smaller accounts, higher return percentages may be achievable; nevertheless, as your account size rises, the likelihood of receiving a return of less than 10 percent each month increases.

If you engage in day trading, you will see your profits multiply fast. Suppose you start with $30,000 and earn 10% each month. 

At the end of the month, you will have $33,000 to start the following month. If you earn 10% again, you’ll have $36,300 in your account. If you earn 10 percent each month for a year, you will have almost $95,000 in your bank account.

Even if you have seven days of losses followed by seven days of wins. You may still end up with a loss overall.

How Much Do You Need TO Gain ?

However, if you’re losing 1 percent or 2 percent of your money each day. Your day trading account may begin to deteriorate very quickly. 

For example, if you lose 1 percent each day over the course of seven trading days. Your account might drop from $30,000 to $27,961.96—a loss of about 7 percent of your initial investment.

You would end up with $28,955,43 if you were to start gaining at a rate of.5 percent per day for the next seven trading days after that losing run. 

However, you would still be in the red. You’d need another seven days of profits of 1 percent or more to make up for your losses and generate further gains.

Stocks vs Options vs Crypto?

When it comes to trading, selecting between stocks, options and crypto is a hard call. So, here is what each of these choices is all about:


The long-term potential for growth (capital appreciation) in stocks is the highest among all investment options available. 

Strong, positive returns have often been earned by investors who are willing to hold onto their investments for extended periods of time, such as 15 years or more.

Stock prices, on the other hand, may go down as well as up. As a result, there is no assurance that the business whose stock you own will expand and prosper. And thus there is a risk of losing money if you invest in stocks.


It may be difficult to trade stock options, which can be even more difficult than stock trading. 

When you buy a stock, all you have to do is determine how many shares you want to purchase, and your broker will complete the order at the current market price or a limit price you have established for yourself. 

Options trading requires a thorough knowledge of sophisticated techniques and the process of establishing an options trading account. It entails a few more steps than the process of opening a traditional investing account.

The main reason why you must learn how to trade options even if it is not your primary source of investing is the very low barrier to entry.

US stocks are becoming more and more expensive.

However, through options trading, you do not need thousands of dollars to become an investors albeit a short term investor.

Check out Our recent return trading very cheap options for as low as $1.


In recent years, cryptocurrency has developed as an asset class that offers investors the opportunity to make significant returns on their investments. 

These assets, despite the fact that they are not back by the government, have gained enormous appeal in recent years. 

The prospect of making large profits in a short period of time has prompted investors to get on the cryptocurrency bandwagon in droves.


The long-term investor has always come out on top when the market has seen a fall in value. For longer periods of time, the Dow Jones Industrial Average spends more time rising than falling. Allowing for more gains than losses on an annual basis.

When it comes to investing, extensive time frames are necessary. And failure to hold an asset during a prolonged slump may result in losses. 

Anyone year may see results that are much greater or lower than 10%. (with negative returns occurring about one out of every four years). Some stocks may never be worth what you paid for them when you bought them.

What are some of the Tools to Start Investing?  [Is Automatic Investing an opportunity for you?

Even the most successful investors had to start out someplace, and that was at the beginning. 

Knowing where to begin and which route to follow, on the other hand, maybe difficult to discern. 

We’ve compiled a list of 3 tools to make the investing process a bit less difficult for individuals who are just getting started.

Personal Capital

Personal Capital is an excellent place to begin your research. The company provides a complete financial dashboard to assist you in evaluating your portfolio’s asset allocation. 

It also consolidates your bank accounts, credit cards, and loans into a single location. It allows you to manage everything from a single location.


Betterment is one of a growing number of algorithm-based “Robo-advisors” that make investing simple and affordable. 

Betterment’s website is simple to use, and it employs straightforward asset allocation strategies to distribute your money across a variety of low-cost exchange-traded funds (EFTs).


Wealthfront, like Betterment, is a Robo-advisor that simplifies and makes investing more accessible for individuals. 

It requires a $500 minimum deposit to establish an account, does not sell US government bonds, and provides its customers with access to a unique tax-loss harvesting tool known as the Wealthfront 500, among other things.

How to Limit Exposure to volatility?

When it comes to the markets, volatility often elicits a high level of caution. In fact, market volatility may be visible in both a good and a bad light depending on your perspective.

Low volatility indicates a more stable market (and, therefore, a more stable investment); nevertheless, it also indicates a longer period of time until the financial benefit realized. This is often the case when it comes to the stock market.

Large trading volumes help to improve the stability of the stock market and make it less susceptible to the moves of ‘big fish’ investors. 

Nonetheless, because of its ties to governments and businesses all around the world. The stock market is often influenced by geopolitical developments.

In contrast, cryptocurrency exchanges are more volatile than traditional stock markets. Given that this market is still in its infancy, its highs and lows are particularly prominent, making the cryptocurrency marketplace particularly susceptible to the trading moves of ‘whale’ traders. 

Whale traders are those who have a huge quantity of bitcoin in their possession. As a result, the whole market may be susceptible to the trading choices of individuals who have a significant amount of money involved. 

For example, when news broke that influential investor Elon Musk had invested $1.5 billion in Bitcoin in January 2021. The price of bitcoin surged by 17 percent to a new all-time high, setting a new record.

On the contrary, cryptocurrencies are independent of governments and other global institutions. They are – at least in part – immune to political influence.

What Should You DO: Trading or Investing

Investing vs Trading in 2021
Investing vs Trading in 2021

The discussion is usually clear that investing is a strategy that is more effective for the vast majority of individuals than other options. 

Is it possible for certain individuals to regularly outperform the market? Without a doubt, there is no question. However, for the majority of individuals, being an investor is preferable to being a trader. And it may require less time and effort as well.

Warren Buffett, the legendary investor, advises that investors routinely invest in index funds. Like an S&P 500 fund, and then hang on to those investments for decades. 

This strategy embodies the essence of being an investor. Which is to adopt a long-term perspective while allowing the companies to create profits for you.

Comparative Table

Although we have discussed everything above about the trading vs investing in 2021. However, to summarize all that discussion, here is a table based on capital gains, risks, investment period, and much more:

IntroductionRefers to buy and sell as per the price movementsRefers to buying and holding the securities for a certain period of time
Investment PeriodGenerally, in this type of activity, the investment is short-term, and there are quick entries and exits.While here, investment is for a long term and exit if far off from the entry point
Capital GainsThere are short-term capital gains and only associated with the upside in the security price.Long-term capital gains can be earned not only with the upside but also in the form of dividends and bonuses periodically.
Risk and methodologyThe risk is very high since it is a short-term investment.Risk is lower comparatively as the investment duration is long.
Types of securitiesOnly securities or stocks can be traded since there is quick entry and exit.Different types of assets can be invested in a portfolio like stocks, bonds, notes.
The intention of the investmentThe motive is to earn profits and exit the position.Value investment is made on the company’s functionality, banking on the company’s fundamentals.
Comparative Criteria of Investing vs. Trading


Trading may be a lucrative method to earn money on the stock market provided you have the necessary starting cash. As well as the time each day to execute the trades you want. 

There are certain prerequisites, though, including a strong desire to earn money on trades and an effective risk management plan.

Investing, like trading, has varying degrees of risk, although, for retail and novice investors. It is often less risky than day trading in general. 

If you have limited starting money and do not want to trade on a daily basis. Investing may be a better option for you than trading.

Top 7 Best Apps To Trade Stocks – 2021 Easy Review

Top 7 Best Apps To Trade Stocks

In this modern age, trading stocks is much easier than ever because of many different trading apps. To help you find the best one, we are going to review the top 7 best apps to trade stocks.

Go through all of the features including the fee and commission to select the best one according to your needs.


Top 7 Best Apps To Trade Stocks - WeBull Mobile App
Webull Mobile Application

Webull provides a one-of-a-kind community experience and simple-to-use trading tools that will appeal to the majority of youthful investors. It, however, lacks the trading instruments and functionality to compete with leaders of the market, which also provide $0 in stocks and ETF trades.

Who’s Webull for?

Webull is a self-directed investment and trading platform that appeals to intermediate and expert investors and traders. 

Short-term and active traders who want to save money on fees may take advantage of its commission-free structure, which is much less expensive than charges charged by other online brokers.

Despite the fact that the Webull platform’s intuitive features and style may look sophisticated for beginner traders, the platform is nevertheless easily understood. It also provides fractional shares to its clients, allowing even the smallest accounts to participate in the most expensive equities.


Desktop Platform Overview

The desktop platform Webull is the same as the online version. The flexible layout is easy to use due to its widget boxes drag and drop. You can modify it easily. 

It contains preset lists like Hot ETFs and important screener and screener capabilities. The fact that novice traders looking to get into the market could simulate a trading strategy using Webull’s online, desktop, and mobile applications. 

Web platform charting

Webull provides a standard line of charts comprising many different kinds of graphs, suitable drawing instruments, 50 technical indicators, capacity to add hotkeys, and grid designs, for comparing numerous charts. 

On the online platform, we found the charting to be clear and simple to use, and the desktop version was virtually similar.

Market replay

Users may watch time-lapse video replays of stock charts, which is a feature that is exclusive to Webull. 

A replay of the previous day’s price movement, although more instructive, provides traders with a unique viewpoint that cannot be obtained from any other broker.

Webull’s Commissions and Fees

Webull, like its major rivals, does not charge a commission on stock transactions in the United States, nor does it charge a fee to establish or maintain an account. 

Nonetheless, fees levied by the SEC and the FINRA are applicable.

SEC fees.

There is a $13 fee for a net of $1,000,000 in principal on stock transactions alone, with the $0.01 minimum charge per share.

FINRA fees

On only stock sales, the trading activity fee (TAF) of $0.000119 for each share will be chargable, with a minimum charge of $0.01 and a maximum charge of $5.95.


Top 7 Best Apps To Trade Stocks - E*Trade Mobile App
E*Trade Mobile App

E*TRADE was founded in 1982 and was one of the earliest online brokerages in the United States. Some of the company’s features include $0 transactions, two outstanding mobile applications, and the Power E*TRADE platform, which is ideal for newbies, active traders, along options trading.

Who E*TRADE Is For?

For more than a decade, E*TRADE has focused on engaged, active investors as well as high-net-worth individuals with a minimum investment of $100,000. Despite being a top 5 broker in several areas last year, especially in options and trading, E*TRADE’s standing among more active investors has been strengthened as a result of the fee reduction. 

The Power E*TRADE platforms are available on both desktop and mobile devices, providing the customers with powerful options analysis as well as strategy-building capabilities. 

E*TRADE has maintained a high ranking among the top online brokerages for beginners, owing to its extensive resources and user-friendly interface. E*TRADE, like other major online brokerage firms, offers plenty to offer investors of all experience levels.


Options trading

Power E*TRADE is a great choice for casual and active options traders since it provides the ideal combination of convenience, superior tools (screening through StrategySEEK, scanning through LiveAction), and smooth position management.

E*TRADE has done a great job of bringing new investors into the game by designing Power E*TRADE, which allows you to master options trading without breaking the bank. 


Power E*TRADE’s charting engine is provided by Chart IQ, a third-party supplier of HTML 5 charts highly rated by users. 

Panning and zooming are very fluid, and there include an inbuilt Trading Central (Recognia) technical analysis tool as well as 114 extra technical indicators and 32 sketching tools to choose from. 

Futures Trading

As with options trading, Power E*TRADE offers a fantastic experience when it comes to trading futures contracts. 

Multiple futures ladders may be run at the same time, orders can be sent out quickly and easily due to the Quick Trade widget, and maintaining positions is as simple as it is with options.


In order to participate in the $0-commission revolution, E*TRADE now charges no commission to trade stocks, ETFs, and the majority of mutual funds. 

Options contracts are priced at $0.65 per contract, which is the industry norm, but the price lowers to $0.50 per contract if you make more than 30 transactions each quarter. 

Futures contracts are priced at $1.50 per side, which is less expensive than TD Ameritrade, E*TRADE’s largest rival. Although E*TRADE offers lower margin rates than TD Ameritrade, they are still quite costly compared to Vanguard’s rates.


Top 7 Best Apps To Trade Stocks - eOption Mobile App
eOption Mobile App

eOption is quite clear about who it wants as a client and how it plans to fulfill their needs: options traders who know what they’re doing want to switch to their platform and save money on options transactions.

Long-term investors and novices will be turned off by this deep discount strategy, while active options traders will benefit from cheap fees and quick executions.

Who eOption Is For?

eOption is aimed at options and stock traders that participate in the markets on a regular basis and who are confident in implementing their options strategies, according to the company. 

The firm’s options costs are competitively priced, which appeals to traders who trade in large volumes. Just to put it another way, eOption doesn’t have many bells and whistles, although it will let you trade a large number of options for a cheap cost.


Paper trading

For investors who are new to trading (and particularly options trading), eOption offers an appealing feature: a free paper trading tool that is accessible to everyone, including those who are not customers of the company. 

This provides investors with $100,000 in virtual cash to utilize while they study and assess trading ideas, test methods, actively monitor the performance of a simulated portfolio, and establish a watch list – all without putting any real money at risk.

Low options contract fee

Many brokers no longer charge a basic commission on options transactions, requiring traders to pay just a per-contract fee, which is typically about $0.65 per contract on most exchanges. 

When you trade options with eOption, the cost is $1.99 plus a 10 cent per-contract charge. In other words, investors who regularly trade four or more contracts in a single transaction will come out on top when they do business with eOption.

Margin rates

Take notice, margin traders: eOption offers some of the most competitive margin rates accessible. At the end of 2020, account balances were based at 7.75% at a base of less than $25,000. If you have a balance of $250,000 or more, you may get as little as 4.75 percent interest.

eOption Commission Fees

  • Prices for options are $3.00 plus $0.10 per option. 
  • Listed stocks: $3.00 per share for market.
  • Stocks (foreign): $39 per share
  • Extended-hours stocks: $25.00 (plus $0.003 per share for each additional 5,000 shares).
  • Mutual funds are priced at $14.95 per share.
  • Bonds: $5.00 each bond for the first 25 bonds, $3.00 per bond for each subsequent bond
  • Orders placed with the assistance of a broker will be charged an extra $6.00.


Top 7 Best Apps To Trade Stocks - Robinhood Mobile App
Robinhood Mobile App

Despite the fact that all online brokers now provide $0 stock and ETF transactions, Robinhood’s lack of trading tools as well as research puts it at a disadvantage in comparison to the rest of the market.

Who Robinhood Is For?

Robinhood is best suited for first-time investors who want to trade in tiny amounts, such as fractional shares and cryptocurrencies, and who don’t want to spend much time doing research beyond looking at what other people are doing with their money. 

The general simplicity of Robinhood’s app and the website makes it incredibly simple to use, and the fact that it charges zero fees appeals to investors who are very cost-conscious and trade in tiny amounts. 

Having said that, the offers are very rare in terms of research and analysis, and there are significant concerns regarding the quality of the trade executions themselves.


Trading tools

Trading tools and features are limited compared to category leaders on Robinhood’s website. For instance, charts are essential, with just four accessible technical indications. 

In the meanwhile, TD Ameritrade provides more than 400, and TradeStation offers over 300. TD Ameritrade and Charles Schwab provide their own live broadcast with in-house specialists throughout the day.

Fractional shares

The greatest power of Robinhood found in its simplicity. For instance, its recurring investing feature allows you to invest a set dollar amount on a regular basis, such as once a week. 

Similarly, Robinhood will automatically reinvest any earned dividends on stocks or ETFs when you activate Dividend Reinvestment (DRIP) in your account, provided that its associated symbols promote a fractional share trade.

Commissions and Fees

How Robinhood makes money

It’s a free service for Facebook (FB). In order to avoid charging a membership charge, money is generated through gathering your user information and selling advertisements. In the case of Robinhood, it is also a free service. 

However, Robinhood will sell your order flow (the right to complete your transaction) to wholesale market makers instead of selling advertising. Robinhood is thus not really free. In the world of $0 trading today, almost all brokers except Fidelity have the same practice of taking money for order flows (PFOF).

Robinhood Gold

Robinhood Gold was a bad bargain in our tests. It costs $5 per month to receive Morningstar reports, streaming quotations for Level II, and margin trading (which charges 5 percent annual interest). 

Competent TD Ameritrade, E*TRADE, and Charles Schwab charge greater margin rates but provide much superior inventory research, commercial tools, client support, etc., for the same $0 per inventory market pricing.

Futu Moomoo

Top 7 Best Apps To Trade Stocks - Futu Moomoo Mobile App
Futu Moomoo Mobile App

Moomoo is another excellent Robinhood option. This is an excellent trading platform if you’re looking for clever trading in depth. It provides both novice and experienced traders outstanding trade tools and possibilities, including sophisticated charting, pre-and post-market trading, worldwide business, research and analysis tools, and most popular free Level 2 quotations.

Who is MooMoo for?

Moomoo has been developed as a smart trading platform, and investors may also benefit from cheap costs.

This mobile trading platform has effectively structured its sophisticated features in 1 app. For novices and seasoned traders, it is free and simple to use. A range of research tools may help you make intelligent investments. 

There is also a paper trading function with real-time data if the investing experience is to be simulated before all things are done.

When it’s convenient for you, Moomoo enables you to invest. You can start trading whether you travel or go home by synchronizing personalized settings on various devices. Moreover, no minimum deposit is available to establish an account.


Advanced charting

Moomoo offers personalized amazing graphical capabilities, including basic graphics like bars, hollow candles, full candles, lines, mountains, and sophisticated multigraphs with more than 50 technical indicators, including the VWAP that can even please day traders. All-time periods are available from 1 min, 5 min, to 1 year.

Smart orders

It offers access to advanced stock orders for pre and post-market trade, including stop-limit orderings and trailing stop-loss orders and up to 40 transactions simultaneously.

Longer trading hours

Moomoo does have the longest time to trade with rivals. You may hop back and forth once the news releases from 4 AM until 8 PM EST.

Commission Fees

Moomoo commission rates for your US, Singapore, and Hong Kong businesses are among the most competitive prices available. Moomoo charges, for example, just 0.03 percent of the transaction value for SGX equities and US$0.0049 for US stocks.

At a minimal commission charge of €0.99 for US inventory, HK$3 for HK inventory, and €0.99 for SG inventory, even lower than those of Tiger Brokers and Interactive Brokers (IBKR). 

A minimum price of US$1.99 for US stocks is charged for Tiger Brokers, whereas the IBKR charges at least US$1 for U.S. stocks and US$2.50 for Singapore stocks.

SoFi Automated Investing

Top 7 Best Apps To Trade Stocks - SoFi Mobile App
SoFi Mobile App

In terms of stock market brokerages, SoFi Invest is one of the top options for first-time investors. 

Even though SoFi’s app is less feature-rich than some of its larger competitors, this also makes it easier to browse and comprehend if you don’t have a lot of prior expertise in the financial markets.

Who is SoFi Automated Investing for?

SoFi Invest is the ideal option for first-time investors. Who are seeking a straightforward method to get start in the world of investing. 

SoFi does not need a minimum deposit to establish an account. So, even if you don’t have a lot of money to invest, you may get start with SoFi.

If you already have other SoFi accounts, SoFi Invest is a fantastic alternative to consider. This is due to the fact that SoFi makes it quite simple to transfer money between SoFi Money and SoFi Invest accounts.


Broad range of low-cost investments

SoFi clients can choose from ten different portfolios based on their risk tolerance and investment objectives. 

Each portfolio comes with a diversified selection of low-cost exchange-traded funds (ETFs). That provide exposure to U.S. stocks, developed international stocks, emerging markets, high-yield bonds, and Treasury bonds.

Budgeting and financial planning

SoFi is a standout in this category. All clients get unrestricted access to the financial advisors employed by the firm at no additional cost. 

A fiduciary standard, which requires them to act in their best interests, applies to these advisers. Who are Certified Financial Planners (CFPs) with the Series 65 certification (or comparable qualification). 

They are also noncommissioned advisers, which means that they do not get any compensation for recommending certain trades or activities.

Savings with a high rate of return

SoFi provides a high-interest savings account, similar to those offered by competitors Wealthfront and Betterment. 

SoFi Money is a checking and savings account that pays 0.25 percent interest yearly and is insured up to $1.5 million by the Federal Deposit Insurance Corporation (FDIC), which is six times more insurance than the average bank account. 

It also has no account fees and provides an unlimited refund for ATM costs each month, which is a rare find these days.

Fee and Commission

SoFi Invest makes much of the fact that it charges no yearly management fee. On the surface, this appears to be a highly attractive alternative to its competitors. 

In comparison, Vanguard Digital Advisor, a fully automated Robo, charges about 0.15 percent of assets under management. While the cheapest level of service on Ellevest is $12 per year, according to their website. 

In addition, those rivals either do not provide access to financial advisors or charge a premium for that service if they do.


Top 7 Best Apps To Trade Stocks - Fidelity Mobile App
Fidelity Mobile App

Fidelity Investments continues to grow and develop as a key player in the online brokerage industry. 

For the second year in a row, Fidelity’s brokerage service earned the top overall ranking in Best Online Brokers Awards. As the company has continued to improve important components of its platform. While simultaneously committed to decreasing the total cost of investing for clients.

Who is Fidelity for?

Fidelity, being one of the largest brokerage firms in the United States, geared to cater to the needs of the great majority of individual investors. 

When it comes to the ordinary buy-and-hold investor, Fidelity’s fully-rounded platform provides a large variety of tools. Moreover, research resources, and other resources, as well as a simple order entry process. 

Fidelity provides Active Trader Pro, a downloadable application that includes streaming real-time data. Moreover, a customized trading interface for more active investors and full-time traders. 

Despite the fact that Fidelity has comprehensively covered these two main areas. It is crucial to highlight that the company does not presently provide commodities or futures options.


Mutual Fund Evaluator

The Mutual Fund Evaluator investigates each fund’s features in great detail. Although it has a tendency to direct users to Fidelity funds, this is not surprising given the platform’s design.

Options Screeners

The scanners powered by LiveVol include some built-in scans. As well as the possibility to make a custom scan if that is what you like. 

If you use Active Trader Pro, you’ll have 26 predefined filters to discover options trading opportunities based on volume. Moreover, open interest, option contract volume (including volatility differentials), earnings (including dividends), and other factors. 

A total of about 200 different criteria used to construct bespoke displays for you.

Fixed Income Screeners

Using the bond screener, fixed-income investors may weed out the approximately 120,000 secondary market securities. Those are now accessible based on a number of criteria, and they can then construct a bond ladder. 

The yield table updates every 15 minutes and is based on real-time information. Although this scanner is versatile, the interface is not at all user-friendly.

Tools and Calculators

Fidelity provides a variety of tools and calculators to help you with anything from budgeting to evaluating your investing plan. 

The Tools and Calculators page displays them all at once. They allow you to choose from a lengthy list of around 40 options. 

One of the most important tools is a hypothetical trade tool. It illustrates the impact on your portfolio of a hypothetical buy or sells in the future.

Fee and Commission

In addition to zero trading charges and a variety of more than 3,400 no-transaction-fee mutual funds. 

Fidelity also provides superior research tools and a cutting-edge trading platform. The fact that it offers zero-fee index funds and has a stellar reputation for customer service is just frosting on the cake.

Top 7 Best Apps To Trade Stocks – Quick Summary

Knowing the best apps for trading stocks is not enough. We have reviewed each and every best trading app in detail above. However, to quickly summarize the main points of every trading app we have devised a table.

Please keep in mind that it is possible not every app allows you to trade in crypto. Moreover, the same goes for the stocks and options. So, here is a quick summary of our review and you can easily make your decision based on it.

NameCan Tade stocksCan Trade OptionsCan Trade CryptoCost per Option Contract
eOptionYesYesNo$1.99 + $0.10 per contract
Futu MoomooYesYesNo$0.65
SoFi InvestYesNoYesNo Options Traded
FidelityYesYesOnly Bitcoin$0.65
Summary of Best Trading Apps in 2021

The Bottom Line

Beginner investors should seek online trading Apps that are simple to use, have extensive instructional resources, and have top-notch customer service. Moreover, charge minimal fees, and require small minimum account balances, among other characteristics. 

In our Best Trading Apps for stocks review, we select E*Trade as the winner because of its user-friendly interface. Moreover, emphasis on online education, and comprehensive trading simulation capabilities.

How To Use Binance Trailing Stop?

If you are new to Binance trading App, the Binance Trailing Stop will help you protect gains to maximize your profits.

In this step by step tutorial, you will learn how to easily take advantage of this feature to help grow your trading account.

What is Binance Trailing Stop?

When the market swings, a trailing stop order enables traders to put a pre-determined order at a certain percentage distant from the current price.

Trading using trailing stop orders enables traders to place an order at a predetermined percentage away from the market price when the market moves in their favor. 

It assists traders in limiting their losses and preserving their profits when a transaction does not go in the direction that traders deem unfavorable at the time of the deal.

When the price advances in a favorable direction, the trailing stop moves by a predetermined percentage (called the Callback rate). 

By allowing a transaction to stay open and profitable for the duration of time that the price is going in the direction that traders want, it locks in profits. 

The following stop does not reverse direction and does not go backward. Whenever the market price changes in the other direction by a preset percentage (Callback rate), the trailing stop will close/exit the position at the current market price.

How To Use Binance Trailing Stop?

In reality, the trailing stop order feature is only available in the Futures part of the Binance platform.

Furthermore, you must take advantage of the updated version of the Website. However, trailing stop orders only supported by the most recent version of the trading interface.

If you are now seeing the Old Version, you must click on the icon labeled “New Website,” as shown in the illustration below.

How To Use Binance Trailing Stop - Binance Trading USer Interface
Binance Interface

How to Enable Trailing Stop Order?

As soon as you get to the New Website, you must place your cursor over the triangle next to “Stop Limit” and choose “Trailing Stop.”

How To Use Binance Trailing Stop - Select Trailing Stop on the Trading App
Select Trailing Stop

As you can see in the screenshot below, things have changed.

How To Use Binance Trailing Stop - Select Trailing Stop
After Selecting Trailing Stop

How Does Binance Trailing Stop Works?

Traders may put a trailing stop order when initiating a trade for the first time, but this is not the usual practice. 

The trailing stop order may also put as a reduce-only order with the goal of decreasing or closing an open position, as well as other things.

In the case of a LONG trade, a sell trailing stop order you should place the order above the point of entry into the trade. The trailing stop price rises by a trailing percentage point each time the trailing percentage point reached (Callback rate).

When the price begins to rise, a new trailing stop price will establish. When the price falls, the trailing stop becomes immobile and does not move anymore.

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If the price travels more than the preset callback rate from its peak price and hits the trailing stop price, a sell order will issue. The transaction will complete with the execution of the sell order at the current market price.

A “buy” trailing stop order is the inverse of a “sell” trailing stop order in terms of functionality.

In the case of a SHORT trade, a purchase trailing stop order will placed below the entry point of the transaction. The trailing stop price decreases by a percentage of the trailing percentage (Callback rate).

When the price begins to drop, a new following stop price will establish.

When the price rises, the trailing stop becomes inactive and stops moving.

If the price advances more than a specified callback rate from its lowest price and reaches the trailing stop price, a purchase order will issue. It will be necessary to close this transaction with a purchase order at market price.

How To Use Binance trailing Stop - A sell trailing stop order for a long trade
A sell trailing stop order for a long trade

Callback Rate

The extent to which a trailing stop price will lag the price is determined by the callback rate. The “Callback Rate” box allows you to manually enter a rate in the range of 0.1 percent to 5 percent. The rate range is accessible from 0.1 percent to 5 percent. 

Alternatively, fast choices such as “1 percent” and “2 percent” are accessible for choosing in a short amount of time.

Activation Price

Market participants have the option of filling in the price level that activates the trailing stop. 

If no activation price is available, the market price will use as the default activation price (which may be either the “Last Price” or the “Mark Price” depending on the trigger type selected).

For a purchase trailing stop order (SHORT POSITION) to be successful, it must be placed with an activation price that is less than the current market price.

In order to satisfy the requirement, the market’s lowest price must hit the activation price at the same time. Unless the price falls below the Activation Price, the Trailing stop order will not activate and will not function.

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In contrast (LONG POSITION), in order to place a sell trailing order, the activation price must be greater than the current market price at the time of the order.

In order to satisfy the requirement, the highest price on the market must be more than the activation price. If the price does not rise over the Activation Price. The Trailing stop order will not activate and will remain inactive.

It is necessary to utilize the activation price in order to begin trailing stop loss/take profit only when a price condition is reliable.

In order to safeguard your trade in the event that the trailing stop loss does not satisfy your Activation price condition. If you place an Activation price order, you will almost certainly need to put a Stop loss order as well.

Reduce only-trigger

It is usually self-evident that the trailing stop loss happens to reduce or close your trade. Rather than to create a new position when you utilize it. As a result, in the Advanced section, you must enable the flag “decrease only-trigger.”

In my opinion, it might be helpful as a default flag, but in reality, it is not!

Advanced features include the reduce-only trigger flag as well as the kind of trigger (Last Price and Mark Price)

How To Use Binance Trailing Stop - Advanced: reduce-only trigger flag and type of trigger (Last Price and Mark Price)
Advanced: reduce-only trigger flag and type of trigger (Last Price and Mark Price)

The type of trigger

For the trigger, traders may choose between the “Last Price” (the default) or the “Mark Price” option. 

If traders choose “Mark Price” as a trigger, the trailing stop will triggered when the Mark Price reaches or exceeds the activation price. Even if the Last Price does not reach the activation price at that time.

Please keep in mind that Binance utilizes the Mark Price as a trigger for liquidation. As well as a metric for calculating unrealized profit and loss. 

The Mark Price is usually just a few cents more than the Last Price at the time of purchase. During periods of severe price fluctuation, the Last Price. On the other hand, may vary substantially and significantly from the Mark Price. 

As a result, please keep an eye on the price difference between the Last Price and the Mark Price. If you would want to alter the Trigger from Mark Price to Last Price or vice versa. You may always cancel the order you have made and make a new order to replace it.

Conditions Associated with Trailing Stop

Please keep in mind that there are two criteria for the activation of the trailing stop order. Which are the activation price and the callback rate. 

Both of these conditions must meet in order for the trailing stop order to activated and issued as a market order to close or exit the position.

A sell trailing stop order (LONG TRADE) will be placed if the conditions are met as follows:

  • Activation Price <= Highest Price and
  • Rebound Rate >= Callback Rate

A buy trailing stop order (SHORT TRADE) will be placed if the conditions are met as follows:

  • Activation Price >= Lowest Price and
  • Rebound Rate >= Callback Rate

How Trailing Stop Differs From Trailing Loss Order?

Using a stop-loss order to assist minimize losses, while using a trailing stop order to lock in profits while also limiting losses is beneficial.

However, unlike trailing stop orders, which are more flexible and follow the direction of the market automatically. Stop-loss orders are fixed and must be manually adjusted.

How to Use Binance Trailing Stop – Pro-Tip

Calculating the optimum callback rate and activation price may be challenging.

To be successful, a trailing stop should have a callback rate that is neither too low nor too high and an activation price that is neither too near nor too far away from the current price. 

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When the callback rate is set too low or the activation price is set too near to the entry price. The trailing stop gets too close to the entry price and easily trigger by typical daily market fluctuations. 

There is no space for a transaction to swing in a trader’s favor prior to any significant price movement. The transaction will close/exit at a time when the market has had a brief drop. And subsequently rebounded, resulting in a loss.

So, this was all about how to use Binance Trailing Stop. If you have anything in mind relating to Binance Trailing Stop, feel free to share with all of us.

Is Betterment Investing Worth It in 2021 ?

What Is Betterment Investing

Wondering about what is Betterment Investing? You have come to the perfect place.

Betterment is one of the pioneer Robot advisors, having begun in 2008 with an aim to make investing less expensive and difficult for everyone. 

Betterment has been one of the most popular robot-advisor platforms for more than a decade, competing directly with Wealthfront, one of a rising number of automated investment alternatives.

Betterment Investing – Quick Summary

Betterment being one of the best Robot-advisors has a lot of benefits, and features. Let’s take a look at some of the distinguishing aspects of Betterment in the table below:

Minimum Investment$0
FeesDigital – 0.25%/year; Premium – 0.40%/year
Accounts• Taxable
• Joint
• Traditional IRA
• Roth IRA
• Rollover IRA
• Trusts
• Non-Profit
• 401(k) Guidance
401(k) Assistance
Tax Loss Harvesting
Portfolio Rebalancing
Automatic Deposits✔ Weekly, Biweekly and Monthly
AdviceHuman Assisted
Socially Responsible
Fractional Shares
Customer ServiceMonday to Friday from 9:00 am-6:00 pm (ET)
Betterment Investing Features and Amenities

Who Should Use Betterment?

If you want to start serious about saving for anything substantial, such as a home down payment, student fund, or your own retirement, Betterment is an excellent choice of the automated investment adviser. 

A portfolio of low-cost exchange-traded funds (ETFs) and mutual funds is designed by Betterment’s algorithms to fit your risk tolerance and particular objectives. 

Betterment, in contrast to Wealthfront, does not need a minimum initial investment to get start with the platform.

There are two levels of Betterment service accessible to clients with balances greater than $100,000: Betterment Digital and Betterment Premium, both of which offered as an option for consumers with balances greater than $100,000. 

Annual management fees charged by Betterment Digital and Betterment Premium are 0.25 percent and 0.40 percent, respectively. Betterment’s team of financial advisors will provide you with limitless, complimentary services if you choose to upgrade to a higher service tier.

In addition to selecting the appropriate investment portfolio for each of your goals, setting up an account is quite easy. Improve your investment performance with financial advice from a financial professional. 

Betterment Digital users may purchase a 45-minute coaching session with a financial professional for $199, while Betterment Premium customers receive financial advice at no additional cost.

How Does Betterment Work?

Who should use betterment investing - What Is Betterment Investing
Betterment Investing App

You begin by providing Betterment with some basic personal information, such as your age, salary, and Social Security number. 

Then you choose one or more financial objectives, such as putting money aside for an emergency fund, long-term investing in a taxable account, or saving for retirement in an IRA (IRA). Traditional IRAs, Roth IRAs, and SEP IRAs are all options for you.

After linking your external bank account to the platform, you may fund your account by setting up one-time or regular deposits.

Betterment offers you a menu of tailored investment portfolios for each aim once you have entered your personal information and selected your objectives. 

Improvement Portfolio” is the name to the default portfolio, which consists of exchange-traded funds (ETFs) representing around a dozen asset types.

Investing in socially responsible investments is available in six different portfolios (SRI). According to the type of objective you are saving for, the composition of each fund will vary. 

If you’re seeking to save for retirement, Betterment will typically recommend that you invest in more equities. Bonds would make up the majority of your portfolio if your objective is to invest your emergency money.

Betterment’s Approach to Investing Your Money

How Betterment Invest your money - What Is Betterment Investing
Betterment Dashboard

As part of its investment portfolio diversification strategy, Betterment utilizes a plethora of low-cost exchange-traded funds (ETFs) that track established indexes. 

However, depending on your profile and objectives, you may allocate to as many as 12 asset classes, depending on your situation.

According to your objectives, the exact asset allocation you receive, or the percentage of your portfolio that goes into each fund, defined by your assets allocation. 

In the case of an emergency fund portfolio, which contains money that needed in the event of unexpected financial troubles, equities account for around 15% of the portfolio and bonds account for 85%. 

For a 35-year-old investor, a general investing fund comprises 90 percent equities. This is money that will not be needed for a long time.

The risk tolerance of some rival Robo-advisors is determined by a series of questions you answer. Betterment creates the basic Betterment Portfolio, which is the default pick for the average investor based on your age, income, and investment objectives. 

The majority of their money will direct toward equities, with the allocation divided across asset classes such as large-cap U.S. stocks, large foreign companies, and so on, for that 35-year-old.

In addition to the Betterment Portfolio, the platform distinguishes itself from other Robo-advisors by providing you with a variety of bespoke portfolio alternatives to pick from:

Socially Responsible Investing

Environmental, social, and governance (ESG) aspects are screened out of companies when investing in Betterment’s SRI option, which invests in ETFs using benchmarks that screen out companies that are not ESG.

Goldman Sachs Smart Beta

To aim to achieve outsized returns while keeping expenses down, this portfolio employs various diversification methods in an attempt to do so.

BlackRock Target Income

A well-diversified bond fund for investors who wish to produce a consistent source of income over the long term.

Flexible Portfolio

The asset class weightings given to you in the default Betterment Portfolio can be customized using this option.

While the Betterment Portfolio is mostly comprised of low-cost Vanguard and BlackRock iShare offerings, the Socially Responsible, Smart Beta, and Target Income portfolios all employ ETFs with greater expense ratios than the default Betterment Portfolio.

In addition, you may link additional accounts, such as your 401(k) or outside IRA, and Betterment will estimate how close you are to meeting your retirement objectives.

Key terms of Betterment You Need to Know


Betterment is a Robo-advisor, referred to as an automated investment service or an online adviser in some circles. 

Robo-advisors, who utilize computer algorithms and smart software to design and manage your investment portfolio, is far less expensive than hiring a human, are a financial advisor to meet with you in person.

Fractional Share

Investors can acquire stock or other assets based on a dollar amount they choose rather than the price of a complete share when they purchase fractional shares of stock or other investments. 

This may be especially helpful for investors who are dealing with a small amount of money. But who want to construct a portfolio that is highly diversified. Betterment purchases fractional shares, ensuring that there is no cash available in your portfolio.

Tax-loss Harvesting

Investing in tax-loss harvesting is a technique that can help you minimize your capital gains taxes considerably. 

It is common practice in taxable accounts to sell failing assets in order to offset the profits from winning investments. 

Betterment offers tax-loss harvesting, but it does not offer stock-level tax-loss harvesting (also known as direct indexing), offered at Wealthfront and Personal Capital, among others. 

Some investors may be able to save even more money on taxes by using direct indexing.

Expense ratio

An expense ratio is a fee imposed by mutual funds, index funds, and exchange-traded funds (ETFs) that is calculated as a percentage of your investment in the fund. 

For example, if you invest in a mutual fund with a 1 percent cost ratio. You will have to pay the fund $10 each year for every $1,000 you have invested. 

These costs, if they are excessive, can have a substantial impact on the performance of your portfolio. But the expense ratios of the funds utilized in Betterment portfolios are modest.

The expense percentages are payable in addition to the management fee that Betterment charges.

Fees and Expenses Associated with Betterment

Customers who simply use digital services pay 0.25 percent in management fees per year. With the price increasing to 0.40 percent per year if they subscribe to the premium plan. 

The digital charge for Betterment assets above $2 million may reduce to 0.15 percent per year. Specifically, on the part of the balance that exceeds $2 million. 

You will have to pay 0.30 percent of the sum over $2 million if you choose the premium plan. The underlying ETFs are subject to annual management fees ranging from 0.07 percent to 0.15 percent.

Even though you may use Betterment’s financial planning and account consolidation features without paying a fee. You can shift a portion of your funds into an investment account on a regular basis.

There are no costs relating to canceling an account, sending a cheque, or sending a transfer.

  • The Monthly cost to manage a $5,000 portfolio: $1.04 ($1.67 for Premium)
  • Monthly cost to manage a $25,000 portfolio: $5.21 ($8.33 for Premium)
  • Monthly cost to manage a $100,000 portfolio: $20.83 ($33.33 for Premium)

How to Cancel Betterment Subscription?

In order to close your Betterment account, follow these instructions:

  • Log in from a web browser
  • Select “Settings”
  • Tap on “Accounts”
  • Click on the three dots to the right of the specific investment account(s) you wish to close.


  • Account creation is quick and simple.
  • Portfolios are completely transparent before funded.
  • It is possible to link external accounts to individual goals.
  • You may create a new goal at any moment and keep track of your progress with relative simplicity.
  • Change the risk level of your portfolio or move to a different type of portfolio with relative ease.
  • A two-way sweep is available through the checking and cash reserve functions.


  • Planners are continually persuaded to finance a Betterment account.
  • The basic package charges $199–299 for financial planning.
  • Socially responsible portfolios use ETFs (ETFs).
  • No margin lending, secured loans, or portfolio borrowing alternatives.


It is possible to utilize Betterment in a variety of ways. You may sync all of your financial accounts to obtain an overall view of your assets without investing. You can invest in one of their portfolios, or you can construct a Flexible Portfolio. Based on some of your own criteria. 

When it comes to taxable accounts, the goal is to optimize after-tax returns through the use of tax-loss harvesting. Moreover, portfolios may rebalance as needed. 

Betterment is primarily a goal-oriented platform. Moreover, users have access to a wide range of planning tools as well as a plethora of knowledge and guidance.

10 Best Cheap SPACs to Buy in 2021 – Easy Guide


Many investors have shied away from SPACs in the past, believing them to be excessively risky. To explain the risk, benefits, and reliability of SPACs, we will discuss the 10 Best Cheap SPACs to Buy in 2021.

Moving forward, first, we’ll take a look at what is SPACs, and how they can be beneficial for investors.

What is SPAC?

A special purpose acquisition company (SPAC) is a corporation with no commercial activities, created only for the purpose of raising funds through an initial public offering (IPO) for the purpose of purchasing an existing corporation. 

SPACs, often known as “blank check companies,” have been in existence for several decades. 

In recent years, they’ve gained in popularity, drawing high-profile underwriters and investors, and raising a record amount of money through initial public offerings (IPOs) in 2019. 

Over 50 SPACs established in the United States so far in 2020, with a total raised of $21.5 billion as of the beginning of August.

What Makes SPAC Popular?

SPACs are often created by investors or sponsors that have specific knowledge or experience in a certain industry or business sector, with the goal of pursuing transactions in that industry or business sector. 

If the founders of a SPAC have at least one acquisition target in mind when forming the company, they may choose not to disclose that target throughout the IPO process in order to avoid lengthy disclosures during the process. 

(This is why they referred to as “blank check businesses,” because IPO investors have no clue which firm they will be investing in at the end of the process.) Before issuing shares to the general public, SPACs look for underwriters and institutional investors.

The money that SPACs raise through an initial public offering (IPO) is deposited in an interest-bearing trust account. These funds may use to complete an acquisition or to refund the money to investors if the SPAC gets liquid. 

They cannot be used for any other purpose. A SPAC typically has two years to execute a transaction or else it will be forced to liquidate.

In some circumstances, a portion of the interest produced by the trust might be utilized to supplement the operating capital of the SPAC. The stock of a SPAC is typically listed on one of the main stock markets following the purchase of the company.

How Do SPACs are Beneficial for Investors?

10 Best Cheap SPACS to Buy in 2021 - How Do SPACs are Beneficial for Investors?
Benefits of SPACs
  • Produces greater results than the typical initial public offering (IPO)
  • It comes with a predetermined time limit attached to it.
  • It allows for a more favorable pricing structure inactive structures, allowing the target company’s sponsors to raise funds on more favorable terms, distinguishing itself from standard initial public offerings (IPOs).
  • When a company goes public, it expedites the process of becoming publicly traded.
  • To raise valuations and funds.
  • It allows you greater control over the terms of the transaction.
  • SPAC is subject to less regulatory monitoring.
  • SPAC makes it possible for high leverage companies to go public, which would otherwise be impossible with an IPO.

Downsides of SPACs

It is found that the target coup’s value has been considerably reduced since the SPAC structure is less hazardous for the business trying to go public, which makes it riskier for SPAC itself because they are paid with larger discounts than they should be.

According to the definition of a blank check company, the investors are simply providing funds with no knowledge of which company would be the target for the money they have invested in.

If the company attempts not to meet the expectations of the investors and as a result, the investors decide to withdraw their money, there may be a conflict of interest.

The fees and charges included in SPAC entail underwriter’s fees as well as additional costs, which may be more than the amount paid to investment bankers in an initial public offering. 

The target company’s operations are subject to less scrutiny than they would otherwise be.

Risks Associated with SPACs

Those that combine with SPAC and go public expose to less scrutiny than companies that go through the standard initial public offering (IPO) procedure. 

When it comes to attracting investors and raising cash, there is always the potential of misrepresenting investment opportunities.

Sponsors of special purpose acquisition companies (SPACs) might profit from an acquisition even if the investors are unsuccessful in their endeavors. 

Conflicts of interest and fraud are major risks in this situation, which can arise from the misappropriation of funds as a result of misrepresentation or omission of the company’s prospects.

SPACs are subject to market fluctuations, which can be dangerous because investors do not view these fluctuations as a benefit to the investment

For example, a unit of the SPAC with a price of 10$ may fluctuate, and investors may be hesitant to purchase at a higher price if the price of the unit rises.

10 Best Cheap SPACs to Buy in 2021

The following are the 10 best cheap SPACs you can buy in 2021:

SPACsDate of IPOPrice
Altitude Acquisition CorporationDecember 2020$9.79
RedBall Acquisition CorporationAugust 2020$9.78
Lefteris Acquisition CorporationOctober 2020$9.79
Dune Acquisition CorporationDecember 2020$9.77
Burgundy Technology Acquisition CorporationOctober 2020$9.89
Soaring Eagle Acquisition UnitsMarch 2020$9.97
Rush Street Interactive (RSI)December 2020$14.88
Canoo Inc. (GOEV)August 2020$7.21
Clever Leaves CLVRDecember 2020$9.26
Rodgers Silicon Valley Acquisition (RSVA)December 2020$15.67
Top 10 Cheap SPACs in 2021

Altitude Acquisition Corporation (NASDAQ: ALTU)

Altitude Acquisition Corp. (NASDAQ: ALTU) is a special purpose acquisition company based in Georgia that conducts business internationally. 

The company went public in December 2020, and it was able to generate over $300 million in its first public offering, according to the company. 

It focuses on mergers and acquisitions with companies in the tourism and technology industries. Gary Teplis serves as the company’s chief executive officer.

NASDAQ: ALTU) has a market value of more than $366 million, making it the largest company in the world. The stock’s 52-week price range is $9.6 to $14.4, with a midpoint of $9.6. The company is still on the lookout for a merger opportunity.

RedBall Acquisition Corporation (NYSE: RBAC)

RedBall Acquisition Corp. (NYSE: RBAC) is a special purpose acquisition company located in New York with a focus on acquisitions of businesses.T

his year, the corporation went public in August, earning more than $575 million in its first public offering. 

The business primarily focuses on mergers and acquisitions involving firms in the sports, media, and data analytics industries in the United States of America.

RedBall Acquisition Corp. (NYSE: RBAC) is a publicly-traded company with a market value of more than $704 million. Alec Scheiner is the company’s chief executive officer. 

The price range of the company’s shares over the past 52 weeks has been between $9.7 and $12.4. The stock has an average daily trading volume of 220,868 shares. The special purpose company is still looking for a contract to combine with another company.

Lefteris Acquisition Corporation (NASDAQ: LFTR)

Lefteris Acquisition Corp. (NASDAQ: LFTR) is a special purpose acquisition company based in Boston that acquires businesses for a variety of purposes. 

In addition to initial public offerings in the financial technology industry, the business also provides advisory services. 

It went public in October 2020 and raised more than $207 million in the first public offering of the company. Karl Roessner is the company’s chief executive officer.

Lefteris Acquisition Corp. (NASDAQ: LFTR) is continuing on the lookout for a suitable merger partner. The stock’s price has fluctuated between $9.6 and $12.4 during the past 52 weeks. 

The stock has an average daily trading volume of 66,452. Morgan Stanley has the left-hand position on the special purpose company. The firm has a market value of $252 million, according to the latest available data.

Dune Acquisition Corporation (NASDAQ: DUNE)

Dune Acquisition Corporation - 10 Best Cheap SPACs to Buy in 2021
Dune Acquisition Corporation’s Logo

A special purpose acquisition business based in Florida, Dune Acquisition Corporation (NASDAQ: DUNE) is a special purpose acquisition company. 

A merger with another company in the software as a service industry is something the company is looking to do in the future. 

It went public in December 2020 and raised more than $172 million in the initial public offering (IPO) that month. Carter Glatt is the company’s chief executive officer.

A merger was sought by Dune Acquisition Corporation (NASDAQ: DUNE) in order to enable the company’s first public offering. 

The stock’s 52-week price range is between $9.5 and $10.2, and it is now trading at $9.5. It has a monthly average volume of 35,153 copies printed. 

With a market value of $131 million, the company is reliable. At Cantor Fitzgerald, the left-leaning partner is in charge.

Burgundy Technology Acquisition Corporation (NASDAQ: BTAQ)

Burgundy Technology Acquisition Corporation (NASDAQ: BTAQ) is a Cayman Islands-based special purpose acquisition corporation with headquarters in New York City. 

This year, in August 2020, the firm went public and raised more than $345 million in its first public offering (IPO). It seeks to combine with companies operating in the technology industry that headquartered in Europe, the United States, or Israel. 

It has a market value of around $436 million at the time of writing. Leo Apotheker serves as the company’s chief executive officer.

Burgundy Technology Acquisition Corporation (NASDAQ: BTAQ) is still on the lookout for a strategic partner to combine with. 

Its 52-week price range is $9.6 to $11.9, with a low of $9.6 and a high of $11.9. It has an average volume of 209,441 units each month. 

The corporation is actively watching the development of cryptocurrency companies, and it may seek to combine with one of them in the next weeks and months.

Soaring Eagle Acquisition Units (SRNGU)

Soaring Eagle Acquisition Units - 10 Best Cheap SPACs to Buy in 2021
Soaring Eagle Acquisition’s Logo

Because of its impressive track record, Soaring Eagle Acquisition Corp Units is ranked first. These units allow the bearer to one share as well as one-fifth of a warrant to purchase additional shares at $11.50 per unit. 

However, while the modest warrant ratio is less attractive than many we saw last year, this team has successfully introduced both DraftKings (DKNG). 

Report to the public through prior SPACs. Those have been two of the most successful SPACs in terms of overall performance. 

They also demonstrated a great ability to identify promising brands in the online gaming and sportsbook market. Which is likely to stay profitable for the foreseeable future. 

Given the fact that DraftKings and Skillz have both recently entered the market, it may take some time for them to identify their next acquisition, but this is one situation in which SPAC investors should exercise patience.

Rush Street Interactive (RSI)

The financial results released by Rush Street Interactive earlier this month demonstrated that this company is a legitimate contender in the online gaming industry. 

The fact that investors are concentrating their efforts on Penn National (PENN) – Get Penn National Gaming, Inc. Report and DraftKings, as well as the heritage casinos, indicates that this industry will produce several winners.

RSI reported a loss of one cent per share but given that Wall Street had expected a loss of $0.32. This is a significant improvement in the bottom line. 

The company’s revenue of $100 million is also above analyst expectations of $94.37 million. This indicates a 260 percent increase in revenue over the previous year. 

Although the company is still investing in customer acquisition, real money monthly active users (MAUs) have increased by 116 percent year over year. And by 22 percent sequentially, with RSI ranking as the number-one online casino in the United States. Based on gross gaming revenue in the most recently completed quarter. 

And, with $225 million in cash on hand, the company is well-positioned to continue advertising and promotions, which will help to develop their brand and solidify their users’ relationships. 

RSI forecast revenues of $440 million in 2021, compared to forecasts of $372 million. This represents sustained robust growth of 58 percent for the whole year, according to the company.

Canoo Inc. (GOEV)

Canoo Inc - 10 Best Cheap SPACs to Buy in 2021
Canoo Inc Logo

Canoo unveiled its all-electric pickup truck earlier this month, and although some people praised the design, others were less enthusiastic. Consider myself interested, because I believe it will attract a large number of consumers.

The company sells electric vehicles that are modular and purpose-built. It pioneered the development of the flattest and lowest-profile skateboard in the history of the sport. Because that is exactly what it is, think of it as a chassis. 

The fundamental methodology provides for a wide range of application flexibility as well as rapid time to market. Hyundai has previously entered into an agreement with Canoo to collaborate on the development of an electric vehicle platform. 

A new vehicle may get in as little as 18-24 months, rather than the traditional 3-5 years, according to the company’s website.

Canoo now earns money through the provision of engineering services. It expects revenue from this area of the business to reach $150 million in 2021, and $450 million by 2024, according to the company. 

It will launch its B2C platform in 2022, which expects to generate an additional $1.2 billion in sales by 2025, or a compound annual growth rate of 147 percent. 

Management estimates that the B2B platform will be available in the market by 2023, with revenue for this segment of the business reaching $700 million by 2025.

Clever Leaves CLVR

Clever Leaves, a vertically integrated cannabis company with operations in Colombia and, shortly, Portugal. 

The company provides low-cost GMP-certified pharma quality cannabis through its operations in Colombia and, soon, Portugal. 

Over the last several years, we’ve spoken with Village Farms (VFF – Get Village Farms International, Inc. Report management about these locations, and they’ve explicitly pointed out the difficulties that many cannabis players have had in entering into them.

Clever is not a licensed producer in Canada or a multi-state operator in the United States; rather, it is an MNO (multi-national operator). 

It has 1.8 million square feet of growing space in Colombia, and it is the only business in the region that has been certified according to Good Manufacturing Practices (GMP). As a result, it has risen to become the leading licensed producer in Latin America.

Rodgers Silicon Valley Acquisition (RSVA)

Rodgers Silicon Valley Acquisition, which included the acquisition of Enovix, may have ushered in a new era of powerful SPACs acquiring a business in a hot area. The PIPE priced at $14, despite the fact that the SPAC’s offering at $10.

Enovix is a company that designs and manufactures lithium-ion batteries. Enovix’s presentation on establishing a plan for future electric car battery manufacturing was indeed interesting. 

But it would be a mistake to ignore the computer industries that the company now serves with its patented 3D cell architecture, which it already supplies to. 

Enovix also involved in wearable technology, personal computers, augmented reality, virtual reality, and mobile communications, to name a few areas. 

As a whole, this company is much more than just electric vehicles, and investors should take heed of this.


In this comprehensive review, we had an insightful overview of the 10 best cheap SPACs to buy in 2021. Moreover, we have discussed what are the advantages and disadvantages of investing in SPACs.

Make sure you read all the risks associated with SPACs before making your investment.

Differences Between Stocks and Bonds – Which One To Choose?

Differences Between Stocks and Bonds

Are there really any differences between stocks and bonds? What is the most advantageous investment, if any? 

Those are the kinds of things that first-time investors contemplate on a regular basis. In order to better understand how these investment possibilities differ from one another, let’s take a closer look at each one individually.

When it comes to investment, stocks and bonds are frequently discussed in the same sentence. 

However, there are significant differences between them in terms of risk, reward potential, and how you get them. That is why it is so critical to conduct thorough research before putting your hard-earned money at risk.

What’s a Stock?

Stocks are “share of ownership in a company” from the standpoints of investment and financial planning. Other words that are frequently used interchangeably with the word stock are the terms “share” and “equity,” among others.

Regardless of the terminology used, holding stock indicates that you own a portion of a company, and the value of your shares increases as the company rises in importance. Actually, it isn’t quite the case, at least not technically speaking.

You are not a shareholder in the corporation itself. Instead, you become the owner of one unit’s worth of that company’s assets (earnings). So why would a corporation want to sell you shares in the first place?

The reasons why a company decides to raise cash by selling shares of ownership in their company will differ from one another. However, in general, corporations utilize stock sales as a means of raising operating money to fund their operations.

It will be your responsibility to conduct due diligence before making a decision on which stocks to acquire in order to ensure that you are comfortable contributing financing to a certain business. But, once you’ve decided which stocks to invest in, where do you go to actually purchase them?

To be sure, you can’t just walk up to Company A, knock on their door, and ask to purchase a single unit of their stock. So, where can you get your hands on some stock?

The NYSE (New York Stock Exchange), the NASDAQ (National Association of Securities Dealers Automated Quotations), and the AMEX (American Stock Exchange) are examples of public stock exchanges that you may already be acquainted with (American Stock Exchange). There are a total of 13 such stock exchanges in the United States.

Top 10 NASDAQ Stocks

One of the biggest sectors of the US economy is the tech industry.

The company that comprise the main Exchange Traded Fund (ETF) for this sector have been driving the overall market over the last 10 years at least.

As of this writing, here is the table with these leading companies.

Each with their respective weighting into the NASDAQ index.

1Apple Inc.AAPL11.3%150.09-0.31%
2Microsoft Corp.MSFT10.4%303.230.61 Inc.AMZN7.4%3,310.004.22
4Alphabet Inc.GOOG4.1%2,853.965.99
5Facebook Inc.FB3.9%365.840.33
6Alphabet Inc.GOOGL3.8%2,829.354.12
7Tesla Inc.TSLA3.8%707.32-1.17
8NVIDIA Corp.NVDA3.7%217.37-0.56
9Paypal Holdings Inc.PYPL2.2%279.930.42
10Adobe Inc.ADBE2.1%659.842.60
Nasdaq Top 10 Holdings and Their Weight

Analysis of Top 10 NASDAQ Stocks Over 10 Years

The gain and amount presented in the table below for each stock are based on the $1000 if you invested them 10 years ago.

No.StockSymbolAmount in $% Gain
1Apple Inc.AAPL$11,628.191,062.82%
2Microsoft Corp.MSFT$12,153.411,115.34% Inc.AMZN$17,957.701,695.77%
4Alphabet Inc.GOOG$9,024.40802.44%
5Facebook Inc.FB$11,122.211012.22%
6Alphabet Inc.GOOGL$11,055.161,005.52%
7Tesla Inc.TSLA$130,466.9112,946.69%
8NVIDIA Corp.NVDA$52,835.995,183.60%
9Paypal Holdings Inc.PYPL$6,481.10668.73%
10Adobe Inc.ADBE$20,120.051,912.01%
Growth of $1000 over 10 Years on Nasdaq Top 10 Stocks

Some of the growth percentages are just flat out unbelievable.

Paypal (Ticker:PYPL) has the worst gain over the last 10 years on this list.

Yet that growth is almost 700% !!

Do you know many investment can turn your money 7 folds in 10 years ?

Google’s parent company Alphabet has the second worst return from the list over the last decade and that is 800%.

All the remaining have grown 10-fold at least over the last 10 years thus making this an exceptional era for stock growth.

Therefore, these returns alone are sufficient to understand why more and more investors who have time (meaning not near their retirement age) are drawn to the stock market rather than bonds.

Why Should You Choose NASDAQ?

The Nasdaq is the world’s second-largest stock exchange. The Nasdaq is home to over 3,700 public firms with a combined market capitalization of more than $19 trillion—only slightly less than the New York Stock Exchange (NYSE), which has a total listed market capitalization of $25.5 trillion.

Nasdaq established itself as the first all-electronic exchange, and it continues to be the preferred platform for many top technology businesses.

The NASDAQ-100 Index is significant because it has a significant impact on both the local and global economies. It advises society and investors on the best non-financial companies. For businesses, it is a well-known and reputable exchange on which to list their shares.

If they include in the index, it might have a significant impact on their financial performance. Additionally, the index is suitable for incorporating companies that are at the cutting edge of innovation across all industries covered. More broadly, the Nasdaq provides a plethora of stock options.

How Fractional Shares Will Help You With Hight Stock Prices?

More often, big-name stocks come with hefty price tags. As of August 2020, one share of Alphabet, Inc., the parent company of Google, valued at more than $1,500. While one share of, Inc. valued at more than $3,000.

Fractional shares, on the other hand, allow you to purchase even the most expensive stocks and exchange-traded funds (ETFs) for as little as one dollar.

Purchasing a fractional stock is advantageous for novice investors who may not have large balances available to purchase certain stocks or ETFs. Additionally, they let you quickly diversify a smaller portfolio by investing in companies that would be out of reach otherwise.

The Advantages of Fractional Shares

Begin investing with small funds

If you’re just getting started and don’t have a sizable investment portfolio, fractional shares can make a significant impact. They enable you to enter the market instantly and begin reaping the benefits of compounding profits.

Diversify your portfolio on a shoestring budget

Diversification is a fundamental principle of portfolio development. By diversifying your holdings of equities and, more specifically, ETFs, you may minimize the risk of losing money if a single asset falls.

Because fractional investing enables you to purchase several shares for between $1 and $5. You may be able to purchase a larger range of companies than you might otherwise.

Options for improved dollar cost averaging

Dollar-cost averaging is a strategy in which you invest a certain amount of money on a consistent basis. This may allow you to pay less per share over time than you would if you purchased all of your shares at once.

Because dollar cost averaging is based on a stable dollar amount rather than a steady share portion, it works best when you can invest the entire amount. Otherwise, a portion of your funds will have to stay in a cash account. Until you have sufficient funds to purchase a complete share.

Dividend Stocks and How Do They Work?

A stock dividend is a dividend payment in shares rather than cash to shareholders. Although a stock dividend offers the advantage of paying shareholders without depleting the company’s cash reserves. It does have the disadvantage of diluting earnings per share.

Generally, these stock distributions are issued as fractions of existing shares. For instance, a company may declare a 5% stock dividend. Requiring it to issue 0.05 shares for each share held by existing shareholders. Meaning that an owner of 100 shares would get five more shares.

Exactly how does a stock dividend work?

A stock dividend also referred to as a “scrip dividend,” is a payment of stock to existing owners in place of a cash dividend. A company declares such dividends when it wants to reward its shareholders but lacks the necessary funds or wishes to conserve cash for other expenditures. 

Dividends on stocks provide an investor with a tax advantage. As with any stock, the dividend is tax-free until the investor sells it unless the company gives the choice of receiving the dividend in cash or shares. 

A stock dividend may impose a restriction on the sale of newly acquired shares for a specified length of time. This holding period generally begins the day after you buy a dividend stock. It is critical to understand the holding time for calculating eligible dividend tax treatment. 

Top 5 Websites for Stocks Market Research

Finviz is one of the greatest stock screeners for traders and investors accessible for free, as well as in a paid edition called Finviz Elite. Finviz is available in both a free and paid version.

It is a privately held firm that was established in June 2007 by Juraj Duris. Finviz is an abbreviation for “financial visualizations,” and its website receives around 18.75 million visits each month.


TradingView is a cloud-based charting and social networking program designed for active investment traders at all levels, from beginners to experts.

With a free account, you may access the most basic graphing, research, and analytical information accessible. Despite this, the majority of transactions must be executed outside of the platform due to the fact that only a limited number of brokerages are currently linked to TradingView.

Simply Wall Street

Al Bentley, the founder of Simply Wall St, established the company in Sydney, Australia, in 2014. In order to assist investors in making stock selections for their portfolios based on fundamental research, Simply Wall St has created an online resource called Simply Wall St.


Webull, which was founded in 2017, is a relative newcomer to the brokerage industry, but it looks to have taken advantage of its late arrival to achieve success.

In other aspects, the company appears to have drawn ideas from current forerunners such as Robinhood, which cater to new and casual investors who want a fantastic mobile experience as well as a clean, simple desktop interface to get started with investing.

Webull, on the other hand, is an excellent alternative for more experienced active traders, as it provides in-depth charting, hundreds of technical indicators, advanced orders, Level II market data from Nasdaq, customization, and other features.

All of this is contained within an easily navigable and aesthetically pleasing platform.


Throughout the previous decade, ETRADE, a pioneer in online brokerage, has been hampered by charges that are higher than usual. Equity and per-leg options charges were reduced to zero in October 2019, when ETRADE joined a majority of brokers in reducing commissions to $0.

There are three computer-based platforms and two fully-featured mobile apps available from E*TRADE, which will appeal to investors with a variety of investment styles and interests. The company’s primary online platform,, has been redesigned to make it easier to maneuver.

What Type of Investors Are Stocks For?

Anyone can purchase stocks on the stock exchange. Each individual has his or her own motives for purchasing a stock, and each individual has a distinct trading personality. 

Your trading personality is determined by how much risk you are prepared to take, what type of research you are willing to undertake, where you believe the economy is heading, and how much time you have on your hands to complete your trades. 

Contrary to all of this uniqueness, trading styles may be broken down into a few basic categories. Take into consideration which method sounds the most like you.


Active investors maintain track of the performance of their stocks, do extensive research, and keep up with the latest financial news on a regular basis. 

Traders do not necessarily purchase one day and sell the next, but they do pay attention to changes in patterns and buy or sell in accordance with those changes in trends. 

Despite the fact that this individual is an ardent investor who takes great care in making each investment decision, he or she does not necessarily keep an investment for the long term.

Passive investors

This type of investor does not always aim for the highest potential return on his or her investment. Instead, the passive investor accepts fair returns in exchange for a reduced level of stress and more free time on his or her hands. 

This individual may choose to invest in mutual funds in order to allow the funds’ money managers to make a purchase and sell choices. 

He may choose to purchase individual shares of stock in well-established firms and hang onto that investment for a year or more. 

Passive investors have a tendency to reduce the amount of stress they experience while making investing decisions by establishing parameters for adding new stocks to their portfolios. 

For example, if their stocks grow by 20%, they may decide to sell part of them to realize the gains.


Some investors are looking for opportunities to make money quickly. Then scour the market for stocks that are set to rise as a result of a pending transaction, and they buy them. 

In order to make money, they scan the news for announcements about mergers that may benefit a business. And then they buy shares in those companies. 

After a stock has made them some money, they tend to sell it. Because they believe that they can repeat the practice of purchasing and selling on a regular basis. So beat the market.

Retirement Investors

When it comes to investing for retirement, people tend to modify their strategies as they get closer to retirement age. 

When they are younger, they may choose a more confrontational response to conflict. This entails purchasing more risky stocks that have the potential to rise in value. 

After midlife, such an investor may decide to switch to more moderate-risk stocks. And then during retirement, they may decide to switch to dividend stocks that provide income.

Different Types of Stock

Not all stocks are equal by the executives of their respective companies, and they might be extremely different from one another in terms of performance. Let’s have a look at what the stock markets have to offer and which kind of stocks are the most suitable for you.

Preferred Stock

The term “preferred” stock is a bit of a misnomer in this context. At first glance, the preferred stock appears to be a greater type of stock than its counterpart, “common” stock. However, this is not the case.

This, on the other hand, is not correct. To simply state that preferred stock differs from ordinary stock would be far more truthful.

Common Stock

Common stock is considerably more common than preferred stock in terms of being, well, common. 

When a company decides to issue both preferred stock and common stock, the common stock issues in higher quantities than the preferred stock. 

Occasionally, a company may choose not to issue any preferred stock at all.

Stocks and Diversification in Investment Portfolio

In order to create diversification in your investment portfolio, you must weigh the risks and rewards of different investments against one another. Although this appears to be a simple concept in principle, putting it into practice is considerably more difficult.

By mixing asset types that are both riskier and less risky into a single investment portfolio, you can protect against losses while simultaneously keeping the door open to higher returns.

Preferential stock and ordinary stock are two primary forms of stock. And you have just learned about the possible advantages and limits of each of them. As a result, you now understand that some types of stocks are riskier than others.

Another interesting and little-known fact regarding the preferred stock is that some financial professionals refer to preferred stock as the “bonds of the stock market.”

Differences Between Stocks and Bonds- Pro and Cons for each investment vehicle
Differences Between Stocks and Bonds

What’s a Bond?

Similar to how a stock represents a share of ownership in a company’s assets (income). A bond represents an IOU or a written promise to provide debt financing. 

While bonds have lesser risk than stocks, this is not necessarily the case.

Company issues bonds to seek to raise cash from investors. Knowing the issuer—as well as the company’s history—is critical to understanding how to purchase bonds.

The company issuing the bonds has the ability to and does have an influence on the risk level associated with a particular bond. 

Consider the following example: a bond issued by a government body is typically less hazardous than a bond issued by a private business by its nature.

Remember how we stated earlier that some financial experts consider preferred stocks to be the “bonds of the stock market?” Well, that is still true. This is due to the fact that both assets provide a sort of fixed rate of return on investment.

Fixed dividends are paid on preferred stocks, while fixed interest is paid on bonds. However, the value of preferred stocks and bonds might vary in response to changes in the stock market.

Bonds, in principle, provide a guaranteed return even at the moment of issue of the bond. 

It is possible to argue that bonds are less risky than preferred stock because, in the event of a company’s bankruptcy, bondholders will be first in line for reimbursement before preferred stockholders.

What Type of Investors Are Bonds For?

The following are some of the most common types of Investors who buy bonds:

Who Seeks for Income

The major rationale for purchasing a bond as an investment is for the income it provides. The majority of bonds have a fixed interest rate, which means that investors will get regular semi-annual payments. 

This provides certainty in terms of both cash flow and returns. It is something that other investments, such as stocks, can not provide. 

For example, if you purchase a $1,000 bond that pays 5% interest, you will get $25 twice every year for the duration of your ownership of the bond. 

At the conclusion of the bond’s life, which is the maturity date, you will also receive your $1,000 back.

Who Plays On Safe Side

There are dangers with all investments, but bonds are typically less hazardous than stocks. Few investments, stocks included, guarantee that your money will be returned to you. Specifically, at the end of the term like bonds do. 

This repayment pledge, on the other hand, is only as good as the financial soundness of the issuer. Many bonds have letter grades by independent rating agencies to assist you in determining their relative security. 

The bonds with the highest likelihood of making their payments on time award an AAA rating on most measures.

Who Seeks Diversification

Diversification is the process of investing in a variety of various types of assets. In order to reduce the overall risk of a portfolio. 

Bonds play a significant part in most asset allocation models. Which split assets among stocks, money market funds, and other forms of investments, as well as in the stock market. 

Because bonds tend to vary in value less than stocks. They can help to smooth out the fluctuations in your portfolio. And lower your total risk by spreading out the risk. 

For the most part, asset allocation models recommend that older or more cautious investors should maintain a greater percentage of their assets in money market funds or short-term bonds rather than inequities.

Common Types of Bonds

There are several sorts of connections, and it is vital to understand the differences between them. 

Some bond types have a lower inherent risk than others, whilst others have a higher risk. There are four basic categories of bonds that we shall discuss, in addition to a few unique forms of bonds.

Government Bonds

Treasury bills, which are government bonds issued by the federal government, are a term that is often used incorrectly. 

The term “note” refers to federal government bonds that will mature (fall due) in less than 10 years. And the federal government issues them.

Municipal Bonds

Municipal bonds issued by state or municipal governments to raise money. 

The return on these bonds may be higher than that of other types of bonds. But only if the region in which you invest is growing and developing. Municipalities that are in decline are less likely to repay your investment.

Interest Rates on Municipal Bonds

Some municipal bonds come with great tax advantages for higher income tax payers.

As such, those municipal bonds interest rate may not tell you the whole story after the return on investment.

Here is our research on some of the best Tax exempt municipal bonds as of this writing.

Fidelity Tax Free BondFTABX
Vanguard High Yield VWALX
Vanguard Intermediate TermVWITX
Vanguard Long TermVWULX
Vanguard Limited TermVMLUX
Vanguard Short TermVWSUX
Table of Tax-Exempt Municipality Bonds

Agency Bonds

When bonds are issued by federal government agencies, these bonds are referred to as agency bonds. Fannie Mae and Freddie Mac bonds, for example, are examples of government-sponsored enterprises.

Corporate Bonds

Companies and companies may choose to issue corporate bonds in order to obtain cash for a number of different reasons. These are frequently riskier than U.S. Treasury bonds, but they may also give greater rates of return.

Bonds and Diversification in Investment Portfolio

As you can see, bonds, like stocks, have various degrees of risk associated with them. The degree of risk is determined by the issuing organization as well as the bond’s terms and conditions.

This means that just adding stocks and bonds to your investment portfolio will not be enough in terms of increasing your returns. 

Creating a properly diversified portfolio also entails picking the appropriate categories. Moreover, the types of stocks and bonds in order to achieve a healthy balance between risk and return.

An investment bond’s rating can vary from AAA to D. The danger increases according to the lower the letter. 

So-called “junk” bonds usually have the lowest ratings, which are based on the credit rating of the issuing corporation. Or the length of time the company has been in business.

Differences Between Stocks and Bonds – Final Verdict

Stocks and bonds both have a place in the investment portfolios of experienced investors who are attempting to construct a properly diversified portfolio.

Stocks, as you are now aware, are fractional ownership interests in the assets or net worth of the issuing company. 

Bonds, on the other hand, are debt instruments in their own right. With the possibility for interest income to use to reimburse the lender for the amount borrowed.

Preferential equities have a reduced risk of loss and a lower return on investment than ordinary stocks. 

Government-issued bonds have a lower level of risk and. Therefore, a potentially lower rate of return than corporate bonds and callable bonds, respectively.

Investment in funds such as ETFs (exchange-traded funds) or mutual funds is one of the most straightforward methods. In order to construct a portfolio that contains both greater and lower risk equities. As well as higher and lower risk bonds, among other things. 

These funds may consist of a mixture of stocks and bonds. Or they may entirely consist of stocks or entirely comprised of bonds.

How To Calculate Dividend Yield? – Easy Guide For New Investors

How To Calculate Dividend Yield

The dividend yield of a stock is an estimate of the return on a stock investment that is derived only from dividends. In this article, you will learn what it is and how to calculate dividend yield.

How To Calculate Dividend Yield | What is a Dividend ?

It is the distribution of a part of a company’s profits to shareholders. 

Dividends are paid out in addition to any increases in the value of the business’s stock, and they are intended to compensate shareholders for their investment in the company.

Companies in some industries are well-known for paying dividends, and dividends are more prevalent among established businesses that can afford to retain a portion of their profits rather than reinvesting them entirely back into the company. 

Companies may pay exceptional, one-time dividends, or they may pay dividends on a regular basis, such as once a quarter or once a year, depending on their financial situation.

One of the major advantages of preferred stock is that it pays regular dividends on a consistent basis, although common stock may also pay regular dividends on a consistent basis. 

Dividend payments, on the other hand, are not guaranteed, in contrast to bond interest payments. When the economy is in a bad state, companies may force to reduce or even discontinue dividend payments.

What is Dividend Yield?

How To Calculate Dividend Yield - What is dividend yield?
What is dividend yield?

The dividend yield of a company is the proportion of profits it pays out in dividends each year for every dollar invested. 

For example, if a company’s dividend yield is 7% and you hold $10,000 of its shares, you would receive a $700 yearly payment or $175 in quarterly installments if you held the stock for the whole year.

Companies, on the other hand, often pay dividends depending on the number of shares you hold rather than the value of the shares you own. 

As a result, dividend yields change in accordance with the current stock price of the company. Many stock research tools provide you with the most recent dividend yields, but you may also compute dividend yields manually if you want.

How To Calculate Dividend Yield?

How To Calculate Dividend Yield - Mathematical equation of Dividend Yield
How To Calculate Dividend Yield?

If a stock’s dividend yield isn’t expressed as a %, or if you’d want to determine the most recent dividend yield percentage, you can use the dividend yield formula for determining the yield percentage. 

Divide the annual dividends paid per share by the price per share to arrive at the dividend yield.

Dividend Yield = Annual Dividends Paid Per Share / Price Per Share

A dividend yield of 3.33 percent would be achieved. For example, if a company paid out $5 in dividends per share and its shares were now trading at $150 each.

There are a number of different methods for determining a company’s yearly dividend payout:

Annual Report

The yearly dividend per share is generally disclosed in the company’s most recent complete annual report.

Most Recent Dividend Distribution

To calculate the annual dividend, multiply the most recent quarterly dividend distribution by four to obtain the quarterly dividend payout for the previous year.

Trailing Dividend Method

A more detailed view of companies with fluctuating or irregular dividend payments may be possible by adding the four most recent quarterly payouts together to obtain the yearly dividend payment.

Please keep in mind that the dividend yield is rarely constant. It might vary even more depending on the technique you employ to compute it.

What Is the Importance of Dividend Yield?

One of the most important reasons to understand dividend yield is to assist you to choose which stocks will provide you with the best return on your dividend investment dollar. However, there are a few additional advantages to consider.

It is simple to compare stocks based on dividend yields

For income investors, it is important to analyze and pick stocks depending on which companies offer the greatest dividends per dollar of invested capital. 

A less useful statistic is the absolute amount of dividends you get per share. Because the stock values of different companies might fluctuate considerably.

Companies A and B, for example, both pay an annual dividend of $2 per share on their common stock. Company A’s stock, on the other hand, valued at $50 per share. But Company B’s stock valued at $100,000 per share. 

In contrast, Company B’s dividend yield is just 2 percent, implying that Company A may be a superior investment for income investors in comparison to Company B.

Increasing dividend yield indicates the company is financially healthy

Generally speaking, when a business chooses to increase its dividend—and, as a result, its dividend yield—this indicates to investors that the company is doing well because it can afford to distribute a greater portion of its revenues to shareholders.

Generally speaking, older, more mature companies in established sectors are more likely to pay regular dividends. Moreover, to offer higher dividend yields than younger, less experienced companies. 

Meanwhile, newer, faster-growing companies are more likely to reinvest their revenues for future expansion. Rather than paying out a dividend to shareholders.

Dividends increase the value of your investments

Your investment gains the benefits of compounding when you reinvest your dividends. Rather than cashing them out every year or quarter. 

Compounding effects have the potential to significantly increase your profits over time. 

According to a recent analysis from Hartford Funds, reinvesting dividends has been responsible for 78 percent of the overall gains of the S&p; P 500 from the beginning of 1970.

The Risks of Investing in Stocks with High Dividend Yields

A high dividend yield is not always a favorable indicator of a company’s health. In fact, an unusually large yield may be a warning sign that something is wrong. This might occur for a variety of causes, including:

The stock price of the company has just dropped precipitously. If the price of a company drops dramatically but the dividend did not reduce, the yield on the stock may appear to be high. 

Consider the case of a company with a stock price of $60. And a $2 yearly dividend per share paid out on each share. If the stock’s price falls below $20, the dividend yield more than doubles to almost 10% of the stock’s value. 

This yield may appear to be quite attractive at first glance. But upon closer inspection, it indicates that the company is in serious difficulty. As seen by the company’s share price’s precipitous decline. This indicates that a dividend cut or cancellation may be on the way in the near future.

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Is it worth Trading on Margin?

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The company is seeking to entice investors by offering a large dividend payout to them. Some companies attempt to raise their stock prices by raising their dividends. In order to attract new investors to their shares. 

Some investors may want to purchase shares as a result of the high dividend yield. It will cause the stock price to rise. 

However, if the company is not financially sound and cannot afford to maintain the larger dividend payments. This dividend payout—and the resulting gain in stock value—may not be sustainable.

Stocks with the Highest Dividend Yield

High dividend yields is possible in dividend aristocrats, which have continuously increased their dividend distributions over decades. As well as companies in the following industries:


Electricity and water companies, in general, payout large, steady dividends. Even natural gas companies have historically paid out dividends that were pretty large and consistent.

Consumer Staples

Companies that provide consumer staples frequently have dividend programs that have been in place for a long time. In reality, many of the dividend aristocrats are companies that manufacture basic staples.


Companies that provide telephone and internet services frequently pay out large dividends to their shareholders.


Companies that provide energy frequently offer greater dividend yields. This is due in part to the fact that many are MLPs, which require to distribute all of their income to shareholders in order to preserve their tax-favored status.

Real estate

Real estate investment trusts (REITs), like master limited partnerships (MLPs), must transfer virtually all of their income to shareholders in the form of dividends in order to maintain their tax-exempt status.


When a security’s dividend yield is measured in relation to its stock market value per share, it is known as the dividend yield (also known as the dividend payout ratio). 

The dividend yield formula, in other words, determines the proportion of a company’s market price of a share. More specifically, paid to shareholders in the form of distributions.

When analyzing stocks for investment objectives, a high dividend yield can be a useful metric to consider. However, it is not necessarily indicative of a successful business. 

Always go beyond the figure at a single point in time, and make sure to take a long-term view of the industry. And the company’s dividend yield in addition to the number. 

The fact that there is some regularity and that it is not simply a one-time fluke is important to know. 

Compounding Investment Returns – Easy Step by Step Guide

Compounding Investment and Returns

As of today, most of the economies of the world, including the American economy, are defined by compounding investment returns.

At one end of the scale, much of the U.S. retirement system currently relies on individual 401(k) accounts. Workers make many investments and reinvestments over the course of their employment. More specifically, with the goal of finally cashing out when they retire.

What are Compounding Investment Returns?

Compounding Investment returns is the ability of an asset to create earnings, which are then reinvested or remain invested with the objective of creating their own earnings, that is referred to as compounding. 

To put it another way, compounding refers to the process of creating earnings from past earnings.

Compound returns are when the value of your investment rises as a result of both the initial capital and the returns created by that investment. It is another way of describing investment returns.

How Does Compounding Investment and Returns Work?

To understand how compounding investment and returns work, consider the following scenario:

You make a $1,000 investment that returns a 10 percent yearly compound rate of interest. At the end of the first year, you would have $1,100. It included the original money you invested plus a $100 return on your investment, representing a 10 percent return.

The amount you would have at the conclusion of the second year is $1,210. You would have $1,331 at the end of the third year, $1,464 at the end of the fourth year, and $1,610 at the end of the fifth year if you kept going. 

Because the interest rate compounded annually, your account increased in value by more than $100 per year. It applied to the account’s whole value, which included both the capital and any profits or losses. 

As a result, you received 10 percent of $1,000 in your second year, 10 percent of $1,210 in your third year, and so on.

Compounding Investment and Returns - Chart of Compounding
Chart of Compounding Investment and Returns

Generally speaking, the mechanics of compound returns are rather straightforward. When you make an ordinary income-generating investment, the holder of that investment gives you a check when the investment creates money for him or her. 

For example, when a bond pays interest, the bond company may send you a check for the amount equal to the interest rate paid.

Compound Investment and Income

A compound return investment produces income as well as capital gains. However, in contrast to a traditional product, the holder of the investment retains the income generated by the investment. Moreover, adds it to the principal invested by you. 

Afterward, when it is time to compute your return on that investment, the new value of your account is used as a foundation for the computation. This procedure repeats each time the asset earns a return on its investment. 

Consequently, if you are paid quarterly, the company reinvests your money and recalculates it four times each year; if you are paid yearly, the company does it once per year; and so on.

What Is the Value of Compound Investment Returns?

Compounding Investment Returns - Compound Interest Vs Simple Interest
Compound Interest Vs Simple Interest

Compound returns are one of the most lucrative investment forms available. As well as one of the most expensive types of debt available in the whole field of finance. 

The importance of compound interest is so widely recognized that an apocryphal quotation is ascribed. Einstein describes it as “the most powerful force in the universe.”

Take, for example, our previous example. We have deposited $1,000 into a checking account that earns 10% annual interest. 

Let’s pretend it’s part of a retirement plan, and we leave it alone for the next 40 years. When we retire at 65, the money we put down in our mid-20s will have grown to more than $45,000, thanks to compound interest. 

In addition, our case is a little improbable. It is substantially more probable that this investment would multiply quarterly. Resulting in a total value that is slightly shy of $52,000.

A single impulsive investment made when we were 25 years old can now supply us with a whole year’s income. Especially, in our golden years.

That is the power of compounding.

Compound returns may provide you with some of the greatest investments available in the market if you are investing for the long term. In the near run, they are frequently not extremely valuable assets. 

Compound return investments, on the other hand, will seldom deliver the type of speculative returns that, for example, a rocket stock may bring. 

However, compound investments have the potential to generate considerable growth over time since the value of the investment grows by adding (literally compounding) upon itself.

How Do Investment Products offer Compound Returns?

In order to generate compound returns, an asset must fulfill a few fundamental requirements:

Dividends, interest, or some other kind of income stream must be paid to the asset’s owner in order for the asset to be considered a successful investment. It cannot be an asset whose worth is only appreciated when the asset is sold or otherwise transferred.

Those returns must be reinvested back into the underlying principle that was utilized to compute your gains by the investing company.

The use of financial products can do this in a variety of ways.

Interest Payments

This is the example that we’ve used throughout this post to illustrate our point. 

The investment will generate a fixed rate of return computed on the basis of the underlying principle, and any profits will add to this underlying principle in order to raise the rate of return.

Asset Holdings

In this case, the investment is based on a collection of assets, such as a stock portfolio, and it derives its value from any income provided by the assets in the collection. 

All profits reinvested in the acquisition of more assets, therefore expanding the number of holdings that are capable of generating income on a continuing basis.

Which Investment Products Provide Compound Returns?

Compound returns are available through a variety of investment options. Some of the most often encountered are as follows:

Mutual Funds

A large number of Mutual Funds offer compound interest. The most typical structure, in this case, is for the fund to invest in equities that pay dividends to investors. 

It then utilizes those dividends to purchase further shares of stock. Resulting in you receiving even more dividends during the following cycle (since you hold more shares).

Exchange Traded Funds (ETFs)

ETFs with compound returns are also widely available. They function in a similar way to mutual funds in that they generally invest in dividend-paying equities. 

In exchange for your dividends, the fund purchases additional shares of stock on your behalf. Rather than issuing you a cash check. Your dividend check grows in size the next time the stock pays its owners. Moreover, the ETF reinvests the extra money into your account.

Certificates of Deposit

A certificate of deposit (CD) is a type of investment product that banks issue you. CDs with compound interest are certificates of deposit that pay a fixed rate of interest that compound on regular basis. Moreover, they have a specified maturity date. 

It functions in the same way as our previous example. Every time an interest payment incurs on a CD, the bank immediately adds that payment to the underlying principle. When the CD matures, you get the whole amount you invest.

Zero-Coupon Bonds

A zero-coupon bond is a type of bond that pays compound interest, with the rate of interest, the repayment schedule, and the date of repayment all predetermined in advance. 

The face value of the bond represents the amount of money it will be worth when it matures. When you acquire a bond, you pay the bond’s face value today. It is equal to what the bond’s face value is worth.

Who Can Benefit From Compounding Investment Returns?

Simply defined, compound interest is beneficial to investors, although the term “investors” can refer to a wide range of people. 

In the case of financial institutions, compound interest is beneficial when they lend money and then reinvest the interest they get in the form of further loans. 

Those who have bank accounts, bonds, or other assets will also profit from compound interest. Since they will earn interest on their money over time.

In addition, while the term “compound interest” incorporates the word “interest”. It is crucial to highlight that the idea extends beyond instances in which the word “interest” commonly employed. More likely, bank accounts and loans.

Compounding Investment Returns – Final Verdict

Probably the most exciting part of the power of compounding is that your investments generate interest. On both the initial money and the interest that you already earned on your investments. 

Overall, the force of compounding allows you to develop a large foundation of profits that add to every cycle, allowing you to make more money.

To be a successful investor, you must understand that the strength of compounding comes in its capacity to reinvest the profits made on your initial investment. 

In other words, you should avoid attempting to take your profits at any point throughout the investing term prior to the end of the period.

Alternatively, you would run the danger of restricting the growth potential of your profits. It is due to the power of compounding on your investments. 

The investment plan and time period that you choose should reflect your financial objectives. As well as your capacity to invest. 

The greater the distance between you and your objective, the sooner you must begin investing. In order to have enough time to build the necessary quantity of cash.

What Is Automatic Investing? Easy Step by Step Guide

What Is Automatic Investing

Being in an investing world, everyone almost once in their lifetime comes across this question in mind, “what is automatic investing.”

Investors have a wide range of options with which to make decisions about their money, which has caused a rise in the number of automated investing tools.

What Is Automatic Investing?

Automatic investing solutions allow you to set up periodic investments to an investment account without having to do anything manually.

Automatic investment plans, often known as AIPs, may also assist investors in growing their portfolios, staying on track with their financial goals, and making use of the power of compounding.

In order to set up an automated investing plan, you must first determine the amount and frequency of contributions you want to make. 

If your time horizon, risk tolerance, or objectives change, you can quickly evaluate and alter your strategy as needed.

It is possible to have money taken from your paycheck, checking account, or savings account and then put it into your investment account, depending on the sort of automated investing plan you have set up for yourself.

Understanding the Concept of Automatic Investing

One of the most effective methods to save money is to set up an automatic investing plan. A multitude of market mechanisms has been developed to assist in the facilitation of automated investment plans. 

Employer-sponsored investment accounts allow investors to make contributions through their employer by setting up automatic withdrawals from their paychecks for investment in employer-sponsored investment accounts. 

A personal account can be set up to make automatic withdrawals from it if the individual so desires.

How Can You Start an Automatic Investment Plan?

Invest Percentage, Not A Dollar

Before you begin an automatic investing plan, make the decision to invest a percentage rather than a specific cash amount.

As your salary rises, you should raise the amount of money you put aside. A percentage will allow you to invest a sufficient amount of money without compromising your financial situation.

If you follow my advice, which means you are debt-free and have an emergency fund of three to six months’ worth of costs, you should invest 15 percent of your gross family income—not counting any matching funds you may receive from your 401(k) (k).

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Consider the following scenario: your household income is $60,000 per year. If you set aside 15 percent of your income for retirement, you’d set aside $9,000 a year, or $750 per month, for your retirement.

$60, 000 x 15 percent = $9,000/12 months = $700 each month for retirement savings.

However, if you receive a raise in the coming year, your monthly retirement contribution should not continue at $750. Instead, continue to invest 15 percent of your salary each month so that your monthly contribution grows in tandem with your income.

Set up A Direct Deposit

Please ask your employer to assist you in setting up direct deposit if you haven’t previously done so.

You want your contributions to your retirement accounts—IRAs, 401(k)s, and 403(b)s—to be automatically moved from your paychecks to your accounts in order to prevent the temptation to “accidentally” spend your money without a strategy.

You may set up your IRA or 401(k) to automatically remove money from your bank account if your company does not provide direct deposit for your paychecks. It is important to note that I will return to this later.

Determine Retirement Options

If your workplace offers a retirement plan, such as a standard or Roth 401(k), your employer may be able to automatically move your investment amount into your 401(k) without your knowledge (k). It will only take a few signatures on some papers for it to happen.

Once again, be certain that you have selected the proper percentage (we recommend 15 percent) as the automatic transfer amount rather than a fixed cash amount.

It is possible to put the full 15 percent of your income into a Roth 401(k) if your company offers this choice. If they provide a traditional 401(k) with a corporate match, we propose that you use a Roth IRA in addition to the regular plan.

Set Up Automatic Contributions or Withdrawals

If you plan to contribute to a Roth IRA, you will need to complete the same paperwork that an employer completes for a 401(k).

With a 401(k), you tell your company what percentage of your salary you want to contribute, and they do the rest of the calculations. 

With a Roth IRA, on the other hand, you must compute the contribution amount yourself in order to determine how much money to invest each month in the account.

When a result, it will be your responsibility to raise your contribution amount as your income increases in order to maintain the 15 percent rate.

In accordance with the options provided by your company, you will either set up automatic payroll deductions or automatic bank account withdrawals from your account.

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Automated Payroll Deductions

It is possible that your company will offer to have money taken from your paycheck. In order for you to contribute to your Roth IRA. 

It is possible that you may need to ask your Roth IRA contact (the custodian) for a routing number. Moreover, an account number in order to complete this process. 

As soon as you’ve obtained these documents, you may set up automatic payroll deductions to deposit a certain amount of money from each paycheck to your Roth IRA.

Automated Bank Withdrawals

Instead of setting up payroll deductions through your employer, you may request that your Roth IRA custodian set up automatic withdrawals from your bank account each week or each month. 

However, double-check that the transfer dates are scheduled after you have been paid. Otherwise, your contribution may be withheld from your account before your paycheck is received. It might result in financial difficulties with your bank.

Automatic Investment Plans for Individuals

Individuals who do not participate in employer-sponsored automatic investing plans have a plethora of choices in the financial market to select from. 

A universal feature of every accessible investing account is the ability for investors to set up automated investment schedules.

Retirement accounts and brokerage accounts are two of the most prevalent types of investment accounts where automatic investments are available. 

Some retirement accounts provide incentives to investors who want to automate their investing decisions. 

As an alternative, many investing platforms have the option of storing automatic investments in a money market account. Here the money earns interest until the money is allocated to other types of assets.

A dividend reinvestment plan is one type of AIP that you can use to assist increase assets in single stocks. 

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What To Know about DRIPs ?

Investing in dividend reinvestment plans (DRIPs) allows investors to automatically reinvest their cash dividends into new shares or fractional shares. In the underlying company on the day of the dividend payment. 

It can refer to any automatic reinvestment arrangement established through a brokerage or investment business. But it is most commonly associated with a formal program. This program is given directly by a publicly listed organization to its current shareholders.

Automatic Investing with Roboadvisors

Many new alternatives for automated investment, referred to as roboadvisors, are being developed in the rapidly expanding fintech industry. Moreover, it is seeing rapid growth. 

Micro-investing platforms are provided by fintech businesses, which allow investors to make automated deposits in tiny amounts over time. Acorns are a good illustration of this. 

Using a bank account connection, the site invests leftover change (round-ups) from each purchase in an investor’s chosen investment portfolio. Managed by the platform itself. 

The roboadvisor platforms Wealthfront and Betterment are both well-known names in the industry.

What Is Automatic Investing - Roboadvisors
Automatic Investing with RoboAdvisors

They are more likely to use passive investing methods guided by modern portfolio theory (MPT) to optimize asset allocation weights. In order to maximize anticipated return for given risk tolerance and then to maintain the balance of those portfolio weights.

Robo-advisors vary by their ultra-low fees and extremely low minimum investment amounts required to get start. Allowing even novice investors to build optimal portfolios with tiny initial investments. 

In many respects, they are also set-it-and-forget-it, which means that everything is completely automated.

What are the Benefits of Automatic Investing?

What Is Automatic Investing - Benefits
Benefits of Automatic Investing

Dollar-Cost Averaging

As an alternative to attempting to “timing the market,” dollar-cost averaging allows you to invest a certain amount. Regardless of how much the market is fluctuating in value. We’ve detailed some of the advantages for investors in this article.

Set it and forget it

Once you have begun to develop a portfolio, it may take some time before you are able to continue to add to it. 

For example, Hatch’s auto-investing puts your money to work for you. Whether or not you have time to log onto the platform. Investing can become completely automated if you set up an automatic payment in your online banking account!

No More Waiting

In order to increase their portfolio, many investors set away a percentage of their earnings on a weekly basis. 

If you make frequent automated transfers into investing plan, you may dollar-cost average the exchange rate over time. Rather than accumulating funds in a low-interest savings account. 

If you have money in your account, you can instantly put it to work generating dividends through the money market fund. When there is enough, you can automatically invest in the businesses and ETFs you selected. All without you having to do a thing.

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Develop Better Investing Habits

Investing on a regular basis allows you to gradually increase the value of your money. 

Not only does it alleviate the anxiety of making large one-time investments, but it also assists in making the process of increasing your money a regular part of your financial planning. 

Some investors have found that automating as much of their investment as they can help them keep to their regular investing routine. 

It takes little effort to develop your portfolio if you set up an automatic transfer of $100 into your account. You can also have auto-investments set up. 

It is surprising that how quickly those modest sums may pile up over a period of time! Obviously, shares are not the same as savings; their value will fluctuate, and they will not constantly increase in value.

Instills A Sense of Discipline

While it is possible for someone to save regularly at the end of each month, there are times when a scenario arises that necessitates him using his investment amount, therefore destroying his savings habit.

For example, an unexpected emergency might arise, necessitating the need for more money. Despite the fact that the emergency was a more pressing problem, it would prevent him from accumulating money. 

If the individual had already withdrawn his or her funds, his or her behavior would have remained consistent and unchanged. This would have secured his ability to arrange his financial future. 

Individuals learn to manage from the cash they have put aside for expenses as a result of auto investing at the beginning of each month, which instills discipline in them.

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Sort Your Expenses Into Categories

Following the completion of your monthly expenses, saving or investing is not suitable. This is due to the fact that if you spend first and save afterward, you will be unable to allocate a consistent quantity to this corpus of money. 

It should be noted that savings should always be taken from income before costs are fulfilled. It would be practical in this situation to create an expense chart at the beginning of each month.

This would assist in eliminating unnecessary expenditures from the budget planning process. Moreover, prioritizing the required costs on the crucial list. 

In addition to the investment amount, one should set aside 10 percent of one’s salary for unexpected costs. In addition to the investment amount. 

So it is advisable to list your monthly costs, including emergency money. Then invest a predetermined amount at the beginning of each month to ensure a steady stream of income.

Reduces Risk Factors

Investing in automatic mode allows you to ride out market-related risks more comfortably. When a person invests a large quantity of money in a single transaction, they face the danger of suffering a significant loss or experiencing again. 

This approach is not suitable due to the significant degree of uncertainty in the outcome. 

By making regular contributions through a Systematic Investment Plan (SIP), you can minimize the dangers associated with stock market fluctuations.

In order to keep the amount invested secure from market fluctuations, to keep it balanced. To ensure that the investment grows economically, it is good habit to fund the amount invested on a regular basis. 

You can meet your wealth-building objectives easily if you follow this strategy.


Now, you are well aware of automatic investing. Despite the fact that you are saving time by using automated investing tools, make it a frequent practice to check on your investment portfolio.

Reconsider your investing strategy and asset allocations, maybe with the assistance of a financial advisor. To ensure that your investment decisions are consistent with your financial objectives.

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Is it worth Trading on Margin?

Is it worth Trading on Margin? – Easy Step by Step Guide

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Top 5 Brokers for Free Stocks – How to get them in 2021?

Top 5 Brokers for Free Stocks

Several trading platforms provide free stocks to customers through their websites and mobile applications. 

Those who are interested in receiving some of the most popular stocks in their portfolio for free can examine the services listed below to see how they can obtain free stocks to start their investing journey.

Top 5 Brokers for Free Stocks

To achieve financial independence, you must make smart decisions, be determined, and put out significant work.

However, we may also benefit from a little good fortune working in our favor. As a result, knowing how to invest in stocks is essential. However, why not enlist some Top 5 Brokers for Free Stocks to get us started by obtaining some free stocks.

Finding the best brokers with the specific requirements that you may have is not an easy task. 

But with the help of our list of the 5 best brokers for free stocks, you can find what platform is best suited for you and get started with it.

Webull (2 Free Stocks)

Top 5 Brokers for Free Stocks
Webull Mobile Application

Consider Webull to be the “new kid on the block” in the online brokerage industry, having only debuted in 2018. Free stock trading apps, as well as free trades in exchange-traded funds (ETFs), options, and cryptocurrencies, are available via the company’s mobile app or desktop website.

In other words, you will not be charged fees for any trades you choose to execute in your portfolio.

How to Get Free Stocks From Webull

The Webull platform has opted to provide new users with the option to receive two free shares of stock worth up to $2,300 ($11 – $2,300) when they sign up for the platform.

To be eligible for this possible bounty, you must first join up, open your account within 24 hours, then make a minimum $5 deposit into your account.

If you do, Webull will provide you two free shares of stock in exchange for your participation. ($10 bonus)

Top 5 Brokers for Free Stocks - Investing App

The is yet another commission-free investment software that caters to Millennials and Generation Zers who are interested in investing in accordance with their social preferences and in the company of like-minded others.

The stock trading app has a feature that is becoming increasingly popular among younger investors who may not have enough money to purchase some of the more expensive stocks all at once: fractional investment.

How to Get Your Free Stock from

The site provides a free $10 sign-up incentive for making an initial deposit, as well as the option to send free stock gifts (fractional shares) to referrals you make.

If this sounds like a promising investment app, create an account and make a small initial payment to determine whether or not the app fulfills your requirements.

Groundfloor ($20 bonus)

Top 5 Brokers for Free Stocks - Ground Floor
Ground Floor Interface

In comparison to the other investment platforms featured above, Groundfloor is a unique sort of platform. Groundfloor serves as a crowdsourced real estate investing platform that focuses on debt investments in residential and commercial properties.

The platform primarily focuses on acquiring fixer-uppers, completing necessary repairs and renovations, and then reselling the property for a profitable return. 

Groundfloor provides funding for short-term residential real estate loans and compensates the platform’s investors for the interest they earn on their money by lending them to the platform.

How to Get Your Free Bonus from Groundfloor?

Groundfloor is offering a $20 bonus to new customers who sign up for their service and make their first investment. To be eligible for your bonus, you must sign up, link your bank account to your account, and deposit a minimum of $10 into your account within 30 days.

Once you contribute to your Groundfloor account, you will be eligible to receive your $20 investment credit bonus.

Groundfloor is also offering a $100 bonus for every $5,000 you deposit and invest into your account until July 31, 2021, as an additional incentive to sign up. The highest amount of money you may receive from this incentive is $1,000.

Robinhood (1 Free Stock)

Top 5 Brokers for Free Stocks - Robinhood
Robinhood Mobile App

In particular, index funds, stocks, and options are available through Robinhood.

Choose Robinhood as your brokerage, and you can rest certain that you are putting your money into a company that has paved the way for commission-free trading to become the norm in the financial services sector.

The need for many brokerages to offer free trades on specific assets in order to remain competitive in the market has heightened in recent years.

How to Get Free Stock on Robinhood

Similar to the other Robinhood alternatives discussed in this post, Robinhood provides an incentive in the form of a free stock worth between $2.50 and $200 if you sign up for the service.

One in every 250 chances of receiving a free stock from Berkshire Hathaway (Class B), Apple, or Facebook, and one in every 150 chances of receiving a free stock from General Electric or Ford, according to the service’s terms and conditions.

SoFi Invest (1 Free Stock)

Top 5 Brokers for Free Stocks - SoFi Invest
SoFi Invest Mobile Features

This program allows you to keep track of your money and exchange it when you want to make a profit. The program, which is the newest offering from the SoFi financial wellness platform, provides free trading on stocks, ETFs, cryptocurrencies, and other financial instruments.

You can choose to be an active trader by selecting stocks on a regular basis, or you can choose to be a passive investor by using the site’s automatic investing service.

How to Get Your Free Stock on SoFi Invest

A free sign-up bonus of $5 to $1,000 is available to you when you create a Wealth account with SoFi Invest and make an initial deposit of at least $100.

Summary of Free Stocks Offering in 2021

BrokerFree StocksBonus Cash
Futu MooMooYesNo
WebullYesNo (Matador)No$10
SoFi InvestYesYes
Summary Table of Brokers Offering Free Stocks

Top Brokers that offer No Free Stocks – Worth Considering

Finding the best brokers with the specific requirements that you may have is not an easy task. 

But with the help of our list of the 5 best brokers for free stocks, you can find what platform is suitable for you.

Fidelity Investments – Best Free Broker for beginners

Top 5 Brokers for Free Stocks - Fidelity Investments
Fidelity Investments Head Quater

Currently providing services and reaching out to more than 32 billion people around the globe, this platform is a jackpot for investors. 

Not only is this platform known for its quality research, professional services, and a wide range of trading tools, but it gives the added benefit of using it for absolutely free.

Moreover, Fidelity provides a quality user experience that is simple to understand and use but does the job effectively. 

Not only does it provide value and quality across its website, but it also offers services in the mobile app as well.

When Was Fidelity Investments launched?

Fidelity was founded by Edward C. Johnson II as a private financial services company named the fidelity management and research company. 

It is still a privately held firm, with shares held by workers and the Johnson family.

How does Fidelity Investments work?

With the effective tools research and financial education that they provide on the platform, Fidelity Investment work by helping you organize. 

It allows you to make a decision regarding your research investments giving an industry-leading analysis, then it aids in managing and organize a plan to pick and scroll through your choices.

It is the reason Fidelity is one of the top 5 brokers for free stocks.

Features of Fidelity Investments

Owing to a strong blend of instructional information and a comprehensive mobile app, Fidelity is a top pick for daily investors, even amateurs.

Additionally, it will help you gain some expertise and use your research and education in finances for trading, that too for absolutely free. Following are the most valued features of Fidelity.

Stock investing feature

There are no restrictions on the amount or price of the overall trade in the stock investing feature, with no extra costs for trading equities worth less than one dollar.

Mobile Trading Feature

In addition to its mobile trading app, Fidelity offers Net Benefits for payroll and Fidelity Spire, a financial planning and goal-setting tool. 

Moreover, the mobile trading system by Fidelity is well-designed, bug-free, and provides investors with a great experience. It highly ranks for its customizable dashboard and other unique features.

International Trading

This trading feature lets customers exchange shares from 25 different countries in several exceptional currencies using their fidelity account.

How will you benefit from Fidelity Investments?

The website of Fidelity  Investments online platform is professional and not difficult to understand, making it an excellent location for beginners to gain investing experience and jumpstart their financial education.

Moreover, no additional fees in contrast to other features. Fidelity does not take payment for order flow (PFOF), which is rare in the business. 

However, clients can place stock transactions at a reduced cost. Fidelity is the only broker that offers this service.

Several Fidelity mutual funds have no expense ratio, compared to Vanguard funds which help save money.

It makes Fidelity among the top 5 brokers for free stocks.

How to Start Investing with Fidelity?

Pick a combination of investments that is both diverse and well-balanced, and think about the degree of risk you are willing to accept.

Taking into account the investment time frame is also necessary. After that, just go on to the fidelity website and click on the open an account option displayed in the menu bar.

There are different types of accounts that you can open mentioned according to the type of investment plan you want to opt for. Fill in the details, and there you go!

  • Brokerage Account
  • Cash Management Account
  • Brokerage and Cash management
  • The fidelity account for business

How to Cancel Your Subscription for Fidelity Investments?

Call their customer service to cancel your Fidelity Investments account subscription. In the meantime, A representative will be happy to assist you. They’ll need your account number and other client details.


  • No fee banking and a wide retail service
  • Holding a self-directed brokerage account requires no account service fees or other hidden fees at Fidelity
  • It allows you to start trading with any trading budget without worrying about trading expenses.
  • Mobile Trading options


  • It may charge some fees at the time of trading opening concerning non- fidelity mutual funds.
  • Some other charges include the foreign exchange wire cost.

Charles SCHWAB – Best Research in trading investment

Top 5 Brokers for Free Stocks - Charles SCHWAB
Charles SCHWAB Head Quater

The Charles SCHWAB is a full-service brokerage and among the top 5 brokers for free stocks. It works by combining both brokerage and banking services with the clients and offering debit cards that don’t charge even while doing foreign transactions.

When Was Charles SCHWAB launched?

Since its founding in 1971 by Charles R. Schwab, the firm has grown to become14th largest company in the U.S. Founded in San Francisco, California.

 This investment firm offers a comprehensive range of services. There are more than 11 million investors in Schwab’s $3.56 trillion assets under management.

How Does Charles SCHWAB work?

It works by providing the same level of functionality of the mobile app as its desktop counterparts.

It is highly rated because investors of all types can benefit from it. One of the most rates feature of this broker is the Edge application.

Moreover, they offer a single trading ticket along with Other commodities like long and short options, stocks and shares, mutual funds, and other derivatives.

If you’re looking to invest, Charles Schwab offers two different online trading platforms. You may choose any one of them to invest in.

Features of Charles SCHWAB  

Fees and Commission

It does not require a commission or a minimum transaction.

Additionally, a stock trading at zero levels, choice trading, and ETFs are all available through Charles Schwab at zero to minimum cost. 

Although the commission charges may not be so low, it’s worth it for the extensive services they provide.

Research Tools

Google assistance, free magazines without any costs, along with a wide array of investing screens, is a huge plus. 

It provides extraordinary research tools along with business stock ratings and reviews from a market edge, credit Suisse and Morningstar as well.

It is one of the reasons Charles SCHWAB is one of the top 5 brokers for free stocks.

How will you benefit from Charles SCHWAB?

Online trading platforms, banking facilities, client reach, and customer service are all areas where Charles Schwab ranks higher than its rivals.

A self-directed, comprehensive investment destination, Schwab is better suited to active investors. Option transactions and advice services are better handled by their brokerages.

By using Investors working at different levels can find a wide range of tools and programs available to them.

How to open a Charles SCHWAB account?

You will require at least a $1,000 investment in your account after opening an account with Charles Schwab that is functional, be it a personal or joint trading account.

However, there is no price or any maintenance fees or penalty for an account that is not actively used.

Furthermore, there is a requirement to have at least 100 dollars in your account to keep it functional, but it can be waived if you make an automatic monthly transfer/deposit of at least $100 into your account each month.

How to Close a Charles SCHWAB  Account?

To cancel your subscription, there are 50 dollar fees that you may have to pay down the line. However, you can cancel your account anytime by contacting their customer service.


  • Streetsmart Edge helps you keep efficient records of your trading investment history.
  • Can easily buy multiple mutual funds within one platform.
  • There are a lot of in-house sector assessments on its investment screens, which are quite thorough.
  • You may customize its Streetsmart edge platform with a powerful ETF panel.
  • The cost of the service is very low after a year.
  • 0% charge for portfolio management by a seasoned professional.


  • Cash-sweeping isn’t automatic, and the website isn’t accessible.
  • The transaction fee fund’s commission.
  • These are not the lowest margin rates in the industry.
  • The cryptocurrency exchange is not available.

E*Trade – Best Research in trading investment

Top 5 Brokers for Free Stocks - E*Trade
E*Trade Financials

The E*Trade may be the best option for people looking for opportunities to be part of initial public offerings (IPOs) and U.S. Treasury Auctions. It is one of the top 5 brokers for free stocks.

The following assets can be used to invest: a stock exchange-traded fund (ETF), mutual funds, futures, and bonds.

When Was E*Trade launched?

E*Trade was founded in 1982 by William A Porter by the name Tradeplus. The broker company has exponentially grown since then and owns great revenues. However, in 2020 the company has been acquired by Morgan Stanley.

How Does E*Trade work?

Not only can you get access to a premium E*TRADE Savings Bank account at a low-fee rate by using this broker company, but even the Securities accounts can be accessed directly from the savings account.

Moreover, the savings account offers an annual percentage yield of 0.05 percent. Max-Rate and E*Trade as checking accounts are also offered by this broker company, and there is no defined monthly charge for the account.

Features of E*Trade

Offering different Trading platforms

There are Two unique trading platforms, E*TRADE: E*TRADE Web and Power E*TRADE, used by the investors, respectively.

Neither Customer activity nor balance minimums are required for services.

This unique feature of E*Trade helps the users work with ease and comfort on both platforms as suited by their needs. It is the reason E*Trade paved its way to the top 5 brokers for free stocks.

Modern design and platform layout

Thanks to its current style and platform structure,  E*TRADE broker is surprisingly easy to use.

With a single click, you may move between complex multi-legged options trading with a variety of pre-defined methods and futures trading.

Additionally, you may also identify possible investment opportunities using the Live-action function.

Mobile charting feature

Regardless of the variances, the depth of each mobile app varies from one another, but this broker company offers flawless and easy-to-function mobile charting features that can help you experience the web-based charting interface from your mobile.

How will you benefit from an E*TRADE broker?

You can benefit in many ways. You can get individual analyst ratings in addition to five different third-party research report alternatives for companies if you use this broker company.

Additionally, quick links to the entire analysis and fast report generation are an added benefit of using this broker. Live marketing situations and daily insights can help you manage your investment a lot.

All these benefits recommend E*Trade broker as the top 5 brokers for free stocks.

How to open an account with E*Trade?

To open your account, you need to decide which type of account you want to open in the broken company. There are two types of accounts that are suitable for people with unique requirements.

Brokerage Account – active traders who require zero stock fees.

Portfolio Accounts- includes personalization and consultation, and a fixed account payment is mandatory.

How to Cancel Subscription/ close an E*Trade account?

You can close your account both from the website as well as by using your mobile app. Click on the “Account Services” option and request the cancellation of the subscription. 

You can contact customer service through the chat option to help you close your account as well.


  • No ATM fees required; a budget-friendly option.
  • Regulatory filing assures reliable service.
  • Free streaming quotes


  • Does not provide a market competitive experience compared to other brokers.
  • The facility of live broadcasting is not present

Interactive Brokers – Top 5 Brokers for Free Stocks

Top 5 Brokers for Free Stocks - Interactive Brokers
Interactive Brokers Head Quater

Active traders are drawn to Interactive Brokers by the company’s inexpensive per-share price, powerful trading platform, a wide variety of trade-able assets, which includes a big number of international equities, and absurdly low margin rates. 

Its newest product, IBKR Lite, allows investors to trade equities and exchange-traded funds (ETFs) without paying commissions. It is one of the top 5 brokers for free stocks.

When Was Interactive Brokers founded?

Famously known as an early investor in computer-assisted trading, Thomas Peterffy started Interactive Brokers in 1977 in Greenwich, Connecticut.

Moerover, Interactive Brokers has a global reach, with over 135 market locations.

How Do Interactive Brokers work?

IBKR Pro for professionals and IBKR Lite for beginners use are Interactive Brokers’ two major pricing plans, and respective Casual investors face difficulty working with this broker.

Moreover, due to the institutional investors and hedge funds, minimum commission fees schedules.

Features of Interactive Brokers

Quick Customer Support

You can take guidance from customer care anytime using email, phone messaging, or call anytime. 

Moreover, this feature helps you stay in touch with It experts and professionals and keeps your experience smooth and free of complications.

Interactive Broker Offerings

With its unique specialty of providing interactive broker offerings, this broker helps you make the right decision at the right time and invest in the best way possible for your future plans.

Professional Usability

Although it may not be so appropriate for casual beginners, this broker is perfect for professionals because of its Over the top features, two unique platforms, and higher broker education ratings.

How will you benefit from Interactive Brokers?

It provides the widest range of foreign markets in the broker market. The unique ranges of account types can be utilized to invest strategically.

How to Open an account with Interactive Brokers?

Opening an Interactive Brokers account is an easy task. The customer service is top-notch, and as soon you log in to the website, they help and guide you to operate through the web content. 

There are four steps to open your account.

  1. Completing an online form and filling in the details
  2. Selecting Account Type and installing their app
  3. Uploading document for verification purposes. These documents include a national id card, bank statements, and necessary files.
  4. Billing and investments

How to Cancel Your Subscription for Interactive Brokers?

Manage account option and changing the status of your account as closed.


  • Zero commission by the broker
  • Strategic execution of investment orders
  • With a wide range of global access and a unique variety of assets, Interactive Brokers is a  cheap broker to invest in worldwide marketplaces.


  • Is not the best choice for beginners
  • Less Handling and educational resources.

Merrill Edge – Best for Daily Trading

Top 5 Brokers for Free Stocks - Merrill Edge
Merrill Edge Head Quater

If you’re an investor who wants to handle banking and brokerage services in 2021, Merrill Edge is our top option. Because Merrill Edge offers zero-cost stock and ETF transactions, it has earned awards for Best Overall Client Experience and Best Client Dashboard.

This makes it one of the top 5 brokers for free stocks.

When Was Merrill Edge launched?

Merrill Edge, a self-directed trading business of Bank of America, launched in 2010 and had its headquarters in Charlotte, North Carolina.

How Does Merrill Edge work?

It offers an incredible, balanced contribution. Financial backers will see the value in Merrill Edge’s $0 exchanges, vigorous exploration, and solid client support. 

Additionally, it works by giving limitless free ($0) stock and trade exchanged asset (ETF) exchanges to users without any significant commission.

Features of Merrill Edge

Commission and fees

Merrill Edge helps in getting stocks for free with zero to minimum commission charges. The fees of the transaction are also fairly low, and using this platform can enhance the chances of you getting free stocks.

Mutual Funds Trade Fee

Getting free stocks always becomes difficult because of the mutual fund’s trade fees demanded by brokers. 

However, this broker platform charges zero to very minimum charges that too after a certain amount of period. This special Feature helps investors get their hands on free stocks.

How will you benefit from using Merrill Edge?

One of the most significant and different perks of using this broker platform is getting access to audio segments, including the Audiocast series and Merrill Perspective podcast. 

Moreover, investors get in touch with live broadcasting and learn about the international market on a daily basis for free. Research and educational takeaways are a huge plus as well.

How to Open an Account in Merrill Edge?

After logging in to the Merrill Website, clicking on the red menu bar on the top would take you to the option of opening an account. 

Moreover, the application page would require you to fill in the necessary details and chose the account type before you get start with the broker.

How to Cancel Your Subscription for Merrill Edge

To cancel the subscription and close your account, there are two options. You can either opt for closing your account temporarily or permanently and explain your reasons to the customer care representative.  No fees charges to close the account if not in use.


  • As a Preferred Rewards broker since 2014, the combination of banking and brokerage is fantastic in this platform,
  • Includes savings boosts, credit card bonuses, investment discounts, and user-friendly segments that are attractive to investors


  • Does not allow the trading of securities that trade over-the-counter.
  • Restrained financial disclosure regarding client information.


Different brokers can help you with getting free stocks

If you are looking for something to start with, Merrill Edge and Fidelity Investments can be suitable as they are the most user-friendly of them. 

Moreover, they all have simple instructions to follow and are easy for an amateur to understand.

However, if you’re looking for a professional broker Interactive Brokers may be for you. 

E*Trade, however, has a modern design and research authenticity. All of the brokers mentioned can help you get free stocks at minimal rates, but some may charge zero commission and debit card fees at the start. 

This may be very beneficial for beginners who are just starting and looking for some experience using brokers.

The closing of an account is also possible by brokers, and contacting the customer care service is the easiest option to do so. 

One may opt for temporary subscription cancellation or permanent discontinuation. However, some brokers do charge some fees for closing the account permanently.

Before opening an account for free stocks in these broker platforms, one must look for miscellaneous charges, mutual funds free, minimum account balance to have the account functional, and other hidden charges to gain the maximum out of these platforms. 

2021 Best Trading Journals – For The Disciplined Investor

best trading journals

The Best Trading journals are important for everyone who is serious about becoming a master of the marketplace. Keeping a trading journal is similar to keeping a diary about your life as an investor.

Many people use journals to preserve thorough notes of their business transactions. These commonly-used materials are extremely helpful to traders of all skill and experience levels.

Trading journals are a very personal resource. Thus the level of detail varies considerably from one to the next. Some traders simply keep track of their entry and exit positions and the outcome of their trades.

Why You Need Best Trading Journals?

Keeping a trading journal is one of the most underappreciated actions by forex traders, both newcomers and seasoned veterans alike. 

It has the potential to be a significant instrument in your trading career. Here are some of the most compelling arguments in favor of using forex journals.

Keep Track of Your Progress

Trading over extended periods of time makes it difficult to recall all of the transactions you made just from memory, making it much more difficult to maintain track of your overall trading performance. 

You won’t be able to see whether or not your selected trading methods are lucrative or whether or not you achieved any of your trading objectives. On the other hand, a trading journal allows you to keep track of your trading actions and progress conveniently.

Increase the Effectiveness of Your Trading Methods

Keeping a comprehensive record of your previous trading actions is important in the forex market. This information is extremely useful since it allows you to identify your own trading strengths and limitations. 

2021 Top 10 Best Trading Journals - Example of Successful Trading Alerts
Successful Tradings Alerts Consistent Performance

Examining your longer-term data can assist you in determining whether or not you are adhering to your trading plan and whether or not that approach is effective. 

Identifying and tweaking the approach that is not lucrative over the long run is simple if your long-term track record is not profitable.

Analyze Trends and Patterns

To ensure that your transactions are secure and safe, it is best to do so as soon as possible after opening or completing your trades. 

The specifics will still be fresh in your mind while you’re writing down the overall market patterns, which will be helpful. What is the significance of this?

2021 Top 10 Best  Trading Journals - Successful Tradings Alerts Show a very curious pattern for 3rd Week Option Expirtion
Third Week Option Expiration has a very Subtle Pattern on ST Trade Alerts

When you gather your notes on the patterns, you may be able to adjust your Risk.

The chart above illustrates just how to Successful Trade Alerts average move per stock tens to dip below their normal average on the third week of options expiration.

Instead of the usual 8% or more, the average move per stock comes down to by a good 25%.

Therefore, we know that on this third week of each month, we can lower our strike price and risk less money as well.

7 Best Trading Journals

TraderSync – Best Trading Journals Overall

2021 Best Trading Journals For the Disciplined Investor - TraderSync Trading Journal
TraderSync Trading Journal

The extensive range of capabilities available through TraderSync has the potential to enhance your trading results dramatically. You may get even more value out of your trading journal using the platform, which analyses your trades and generates informative insights.

When Was TraderSync Launched? 

The platform created in 2014 by a group of programmers who, at the time of its creation, spent countless hours studying about trading and completing courses.

In the end, they realized they needed a tool to assist them in keeping track of their deals.

How Does TraderSync Work?

The built-in trade simulator allows you to experiment with different trading methods without having to lose any of your hard-earned money. This function alone has the potential to save you a significant amount of money over time.

Overall, we believe that TraderSync is a fantastic all-around solution for just about every trader to consider. However, because the free version has some restrictions, you will need to subscribe to the program every month to use its full capabilities.

Because of its arsenal of technical analysis capabilities, TraderSync makes it simple to fine-tune your trading approach as you go. Furthermore, the AI feedback makes it simple to identify and exploit beneficial patterns in your transactions.

Features of TraderSync

The capabilities of TraderSync intended to support the platform’s three primary functions: journaling and backing up your transactions, identifying trading trends, and providing actionable feedback to help you improve your trading results.

Charting Feature

The trade management platform has a number of useful charting capabilities that allow you to keep better track of your inputs and exit points, as well as chart targets, test stop-losses, and other features.

An intraday charting tool is available, which enables traders to monitor price action changes on a minute-by-minute basis and accurately adjust their stop losses.

Analytics and feedback

TraderSync is home to a plethora of analytical tools that may assist you in improving your trade management and identifying crucial moments in a variety of circumstances.

If you wish to do a manual analysis of the trade, you may submit screenshots and make notes to help you remember the facts of the transaction. 

It will also be possible for the trading journal to create automatic trade-specific statistics, such as a depiction of critical insights such as return per share/contract, total return, risk, and so on.

Sharing Feature

It is entirely up to traders to submit their trading results, ideas, custom data (returns, trade size, screenshots, notes, and so on), performance reports, and other information.

In this approach, you can easily provide access to your mentor or trading peers to the features of your trading style and receive feedback on areas where you may improve or where you stand out from the crowd.

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Reporting features

TraderSync can create reports that are easy to comprehend and visually appealing, allowing you to get valuable insights from your trading activities. 

There are over ten distinct reporting tools available in the trading journal, allowing you to have all you need to assess your performance from any perspective at the tip of your fingers.

How To Subscribe to TraderSync?

The pricing, which is the crux of our TraderSync review, let’s discuss it. TraderSync has one of the most flexible pricing plans in the niche of trading journal software, and this is a key differentiator.

Which of the four trading account tiers you select determines the fee that you will pay. In order to determine which is the ideal option for you, it is necessary to evaluate how each matches your trading requirements, style, and preferences. 

The following are the TraderSync offerings from which you can choose:

  • Basic Account – free
  • Pro Account – $29.95 per month
  • Premium Account – $49.95 per month
  • Elite Account – $79.95 per month

All paying accounts are eligible for a seven-day free trial period. Here is a comprehensive overview of the features available on each account to assist you in making your decision. 

The gist of it is that you may add an infinite number of trades for each of the payment account types you choose.

How to Cancel Your Subscription for TraderSync?

To cancel your subscription for TraderSync, go to your Profile, select Account Plan, and then select Cancel Subscription from the available options.


  • All plans are eligible for a 7-day risk-free trial
  • It is possible to trade stocks, futures, currencies, and options
  • Interactive charts and artificial intelligence capabilities


  • Elite subscriptions are subject to higher pricing

Edgewonk – Best Trading Journals for Beginners

This is, without a doubt, the best-designed digital trading journal currently on the market right now. We appreciate the fact that it is simple to use and quite useful.

2021 Best Trading Journals For the Disciplined Investor - Edgewonk Trading Journal
Edgewonk Trading Journal

When Was Edgewonk Launched?

Edgewonk first launched in 2015. More than a trading journal, Edgewonk, a sophisticated data-driven trade analysis tool that you can use to make better trading decisions. 

All of your trades in all currencies and markets across the world are kept track of by you.

How Does Edgewonk Work?

EdgeWonk is a pretty simple program that works extremely well. First and foremost, you must import your trade data. 

There are virtually all trading software programs, including cTrader, Interactive Brokers, MetaTrader 4, NinjaTrader7 and 8, Saxobank, generic Excel imports, and many others. cTrader is the most popular trading software.

The first feature we’d like to highlight is the simulator that comes pre-installed. It is possible to determine how future-proof your trading technique is with this tool. 

And, of course, this may go a long way toward ensuring that you are prepared for various scenarios.

When it comes to using trade journals, one of the most common difficulties users have is that there is simply too much information being transmitted at any same moment. 

Because EdgeWonk comes with filters, you won’t have to worry about how your journal responds to you.

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Apart from that, we are completely smitten with the overall style and layout of this specific journal. 

Additionally, it provides you with the opportunity to attach screenshots to each one of your entries, which you may use to visualize your trading performance.

Features of Edgewonk

The features of EdgeWonk are now the focus of our EdgeWonk review, so let’s get to it. Beyond being a well-organized trading journal, the site is also fully loaded with sophisticated features. Let’s have a look at some of the more intriguing examples:

Entry and Exit Optimization

The program will begin evaluating your trades as soon as you have uploaded the necessary information. It will then come up with a better plan for timing your entry and exits in order to maximize your profits. 

It will also provide you with recommendations on the sorts of orders to employ, as well as where to place your stop orders, among other things. The aim of this is to assist you in increasing your success rate.

Trade Simulator

Our EdgeWonk review would not be complete without mentioning the trading simulator function. It is quite beneficial when performing backtests. 

As soon as you enter a sample of trades that is statistically significant, you may run simulated scenarios and portfolios. 

You will be able to observe what outcome you would have obtained if you had traded on specific signals, time periods, and other factors in the past. 

Testing your approach in a variety of circumstances can assist you in determining how resilient it truly is. This will assist you in staying updated about whether or not it will be able to resist market shocks or operate well in various circumstances.

Trading Classifiers with Advanced Technology

The Advanced Trade Data tab, as well as its classifiers, are two features that significantly distinguish the EdgeWonk journal from the competition. 

Once your transaction information has been entered into the system, it will search the data for macro events and other potential patterns that have happened in the time period around the trade. 

The President of the United States or the Chairman of the Federal Reserve, the Governor of a central bank, corporate earnings, global trade wars, and other such events are examples of market-moving events.

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How To Subscribe to Edgewonk?

It costs $169 for a yearly membership, and there are no other subscription options available. Visit to subscribe to Edgewonk.

How to Cancel Your Subscription for Edgewonk?

It is possible to manage your subscription and even schedule cancellations using the customer site.

Please keep in mind that once you cancel your pro journal, you will no longer have access to any of the features available. You will also lose access to any and all trade screenshots and notes that you have made. You will not be able to retrieve the journal that was canceled.


  • Keep track of your trading results.
  • Make use of your trade data analytics to your advantage.
  • Increase the effectiveness of your trading activity.
  • Backtest your approach to see how it would have succeeded in a variety of different situations.
  • A cost-effective option that requires only a single payment


  • Long-term investors may find this investment unsuitable

Trader Vue – Best Trading Journals for Experts

Best Trading Journals - Trader Vue Trading Journal
Trader Vue Trading Journal

Our next best trading journal is moving on quickly, none other than Trader Vue, which comes up at number three on our list. It has been in existence since 2011 and appears to be growing in strength over time.

One of the things we appreciate about this platform is that it allows you to start without paying anything. 

Yes, you read that correctly. You may use their free tier to make up to 100 stock transactions each month without having to worry about being charged a penny.

When Was TraderVue Launched?

Founder Greg Reinacker established the company in 2011, developing it to a platform that supports 100,000+ traders. 

Over the course of 2020, growth in trading was turbocharged — both in terms of active trading activity, and new trading accounts established — and things haven’t slowed down this year.

How Does TraderVue Work?

We believe that TradeVue represents the best value for money among our building’s budget-conscious consumers. The long-term development potential of EdgeWonk, as well as the comprehensive features of TraderSync, remain our top picks.

Even though TraderVue is still in business, their daily journal summary report is as good as ever. Yes, they do present you with a performance report at the end of the day, which includes information on trading statistics and a profit/loss graph.

Tradervue makes it easy to keep track of your trading history by allowing you to import trades automatically from your brokerage account. 

If you want to improve your trading skills, having all of your trading histories in one place and being able to look through them is handy and beneficial. 

You may even post the deals you’ve made with other traders in order to obtain feedback, or you can use them as a model for giving advice to others.

Features of TraderVue

We’ve arrived at one of the most crucial sections of our Tradervue review: the platform’s features and capabilities. It is possible to categorize them into three types: journaling, analyzing, and sharing. Let us take a look at each of them individually:

Journal Features

It is possible to import trades for a variety of asset classes into Tradervue, including stocks, futures, and foreign exchange. You may make use of a number of different capabilities provided by the program. 

Take, for example, the automated price charts that are generated. In your trading diary, once you’ve entered a transaction, you may produce and examine charts on a variety of periods (ranging from 1 minute to weekly intervals), along with the buy and sell points. 

Also, you may write trade and daily notes to make it simpler to analyze a particular transaction when you come back to it in the future. You may also tag and filter your deals to better organize your history and keep everything in chronological order. 

Once you’ve completed this step, you’ll be able to quickly organize, filter, and evaluate your transactions with a few simple mouse clicks.


The report and analysis capabilities on the Tradervue platform are the cherry on top of the cake. 

Tradervue automatically generates charts with all of the trade inputs and exits highlighted based on the data that has been supplied. 

Both intraday and multiday reports may be generated by the platform using various parameters.

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Feature for Sharing

Last, but certainly not least, you have the option of disclosing your trading history and performance information to other members of the trading community. A number of options are available through the social networking platform function. 

The first step is to decide whether or not to publish your transactions and inform others more about your strategy, including whether or not you followed through with it and what happened as a result. 

It’s important to disclose not just your profitable transactions, but also your unsuccessful ones. Not every trader is a winner, and you will always gain more knowledge from your lost transactions than you would from your winning deals.

How To Subscribe to TraderVue?

Our Tradervue review would be incomplete without discussing the financial aspects of the platform. The Tradervue journal is available in three different pricing options: free, silver, and gold. Here’s a little additional information about each of them:

Free Plan

Includes a basic journal with 100 stock or ETF trade entries every month for the duration of the subscription. You have the ability to produce both summary and comprehensive reports on your trades, as well as to share your trading history with others. 

You may also benefit from automated price charts that are shown on different time periods. It takes only a few seconds to activate using your email address and password.

Silver Plan

Aside from all of the features included in the free plan, the silver plan adds unlimited trade entries, more than 100 advanced reports, MFE/MAE statistics, multiple trading accounts, and a host of other services for a monthly fee of $29 (plus taxes).

Gold Plan

This package contains all of the capabilities of the free and silver plans, as well as risk tracking and reporting features, exit analysis, liquidity reports, and other useful tools and information. The gold plan has a monthly cost of $45 dollars, which is a good deal.

How to Cancel Your Subscription for TraderVue?

You can easily cancel your subscription to TraderVue, by logging into your account. 

However, keep in mind that terminating a membership will result in a subscription credit being credited to your Tradervue account for the unused portion of your paid subscription. Moreover, it may then be used to purchase a new subscription in the future if you so choose.


  • Trading journal and trading social networking tool that is simple to utilize
  • Advanced capabilities to assist you in analyzing your trade history are available
  • Flexible price choices are available, with a free plan for 100 stocks included


  • The monthly subscription amount accumulates to a higher amount

Trademetria – Budget-Friendly Best Trading Journals

Although Trademetria has a large number of functions, the monthly fee is extremely cheap. It is a particularly appealing choice if you trade with more than one broker since it allows you to integrate with numerous brokers simultaneously.

Trademetria may not be the ideal option for day traders due to its delayed quotations, but it provides everything most traders want to be successful.

When Was Trademetria Launched?

The Trademetria was launched in 2016. The platform offers all of the important features, ensuring that you have everything you need to analyze your transactions and enhance your online trading performance at your fingertips.

Best Trading Journals - Trademetria Trading Journal
Trademetria Trading Journal

How Does Trademetria Work?

The Trademetria trading journal ticks many of the most essential boxes when it comes to being an inexpensive trading journal with a comprehensive feature set.

To improve your trading strategy, perform better trade analysis, and keep more structured trade notes, you may make use of Trademetria’s tools and features.

Furthermore, the free edition of Trademetria includes a robust feature set, allowing you to get a lot more out of this trading tool without having to sign up for a premium membership.

There are certain limitations to Trademetria, but it is an excellent all-around solution for many traders.

Features of Trademetria

The platform offers a wide range of features and capabilities that may be beneficial to both novice and experienced traders and investors. The trade notebook provides you with the ability to:

Maintain a record of your trading activities

Users can take advantage of a beautifully designed and simple-to-use trade history monitoring tool that includes everything from individual and daily trade entries to image attachments. 

To better represent the circumstances surrounding a particular trade to adding trade remarks and descriptions to the trade history database.

Examine the results of previous projects

You may sort and filter your trades by a variety of criteria, including date, instrument, applied strategy, instrument rankings, and more. 

Additionally, you may watch the increase of your equity over time and produce sophisticated reports on your intraday performance and trading outcomes.

Multiple accounts are being monitored for a variety of metrics

The diary includes over 30 critical indicators that, when taken together, help provide a full picture of your trading habits, goal monitoring, and how it influences your trading performance, among other things.

For example, if you want to track your open PnL or compute risk factors such as profit factor or R-ration of your portfolio, you don’t have to log in to the platforms of all of the brokers with whom you trade. 

Trademetria consolidates all of your positions into a single screen and generates a summary of your overall performance for you to review.

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How To Subscribe to Trademetria?

The most appealing feature of the solution is the variety of payment options available, which makes it a universal tool for all sorts of traders. The platform costs are separated into three categories: free, basic, and professional.

It costs $19.95 per month for the Basic option and $29.95 per month for the Pro option. Annual payments are eligible for a 30 percent reduction, which reduces the rates to $169 and $249, respectively, if made in advance.

All you have to do is visit Trademetria and subscribe to the package you like.

How to Cancel Your Subscription for Trademetria?

Customers have the option to cancel their subscriptions at any point. You may cancel your subscription by logging into your account and clicking on the Cancel Subscription option in the Account Plan section.


  • Tracking the performance of your trading operations
  • A platform that is web-based and can be accessed from anywhere in the world.
  • Functionalities for advanced analytics are available.
  • Included are real-time quotes.
  • Supports equities, options, futures, FX, cryptocurrencies, and contract for difference (CFDs).
  • API and PnL Simulator


  • Recurring costs

Edgesheet – Best Trading Journals for Forex

In addition to being a crypto-only trading journal, Edgesheet will instantly import your transactions from BitMEX, FTX, Binance Futures, and Bybit through API integration.

Edgesheet is a straightforward and straightforward user interface that allows you to monitor numerous accounts, see your trades with all essential statistics, open charts that show your exact inputs and exits, and do a few other things. Edgesheet is free to use.

When Was Edgesheet Launched?

Edgesheet was launched in early 2020. Comparing Edgesheet to Coinmarketman, which I will discuss in more detail later, which is arguably the most significant competitor to Edgesheet in the cryptocurrency trading arena, Edgesheet has less functionality. 

It is designed on the principle of simplicity, which is reflected in the pricing, which is only $19.99 per month.

2021 Best Trading Journals For the Disciplined Investor - Edgesheet Trading Journal
Edgesheet Trading Journal

How Does Edgesheet Work?

Edgesheet, in my opinion, is a fantastic journal for anyone who wants to have a fundamental understanding of their or her crafts and industries.

Those who deal in cryptocurrency will find Edgesheet to be an excellent choice because it allows them to keep a journal that automatically imports all of their transactions and tracks crucial data.

In addition to being a crypto-only trading journal, Edgesheet will instantly import your transactions from BitMEX, FTX, Binance Futures, and Bybit through API integration.

Features of Edgesheet

The following are some of the features of Edgesheet:

All of your trades in one convenient place

Check your open positions and trading history to see how you’re doing. With full-featured charts, you can analyze any trade. 

Statistics and performance metrics may be used to keep track of your trading strategies. Formulate, test, iterate, and refine your competitive advantage.

Support for Multiple Accounts

Binance Futures and Bybit accounts may be linked together so that you can keep track of your whole portfolio in both USD and BTC modes. Prepare your data for individual analysis by filtering it. Trades, accounts, and exchanges should all have labels assigned to them.

How To Subscribe to Edgesheet?

You can easily subscribe to Edgesheet by visiting their official website. You will get the free 14-days trial and afterward, it will be $19.99 per month.

How to Cancel Your Subscription for Edgesheet?

To cancel your subscription, go to your Edgesheet account and cancel your subscription. If you face any difficulty, you can contact their customer support as well.


  • All of your trades in one convenient place
  • Support for Multiple Accounts
  • Affordable in terms of pricing


  • Limited features as compared to other trading journals
  • Not suitable for professionals

Coinmarketman – Best Trading Journals for Crypto

Our next Trading journal is Coinmarketman, which is likely to be a more popular alternative among traders owing to their more active marketing approach, attempts to elevate the concept of journaling to a completely different level.

When Was Coinmarketman Launched?

Coinmarketman was launched in mid-2017. This sophisticated crypto tracking program can help you take your bitcoin investment to the next level.

How Does Coinmarketman Work?

As with Edgesheet, they are a crypto-only journal, although they provide a few more exchanges when compared to the latter.

You can import trades from Bybit, Bitmex, Bittrex, Deribit, Coinbase, and Binance, among other cryptocurrency exchanges.

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A simple journal like Coinmarketman is not what it claims to be; it is actually a platform that performs much more than simply integrate your trades through API.

All of your metrics are meticulously monitored; you get real-time price tickers, a grade for your performance, and more.

The fact that they are quite active and continually improving their product, which is already extremely strong, can be seen by their activities.

Best Trading Journals - Coinmarketman Trading Journal
Coinmarketman Trading Journal

Features of Coinmarketman

The following are the features of Coinmarketman:

Trade auto-sync

Coin Market Manager’s main benefit is that it allows you to quickly import deals from popular crypto exchanges with the press of a button, thereby giving you the opportunity to track all your coins in one location.

Multi-cryptocurrency tracking

Never make the same mistake again. Gain unparalleled insight into the turbulent cryptocurrency market in real-time.

Use the FIAT watchlist to monitor your preferred FIAT/crypto pairings across various crypto exchanges. The net worth that you have shown on connected exchanges and wallets is increasing.

Better understanding your crypto-investment

For each exchange, there’s no longer a requirement to log in in order to see your cryptocurrency. 

You can keep track of your whole crypto assets using Coin Market Manager. You can examine your whole portfolio balance, including your profit and loss, as well as the number of coins you have in both BTC and USD.

How To Subscribe to Coinmarketman?

Simple Portfolio overview, Real-time pricing, 1 account per exchange, and live browser tab balance are all included in the free Basic Plan. Sign up from their website to start using it.

Active traders may profit most from their premium subscription plans:

Pro Plan: Break-even data, unlimited trade updates, automatic trading diary, and in-depth account analytics are included in the Pro plan. Every month, it costs $41.66

Enterprise plan: For $49.99 per month, get everything in the Pro plan plus CSV downloads and reports.

You may try out Coin Market Manager for 7 days for free before committing to their plan.

How to Cancel Your Subscription for Coinmarketman?

To cancel your Coinmarketman subscription, log in to your account and cancel your subscription. You can also contact their customer support in case of any difficulty.


  • The user interface is intuitive and straightforward.
  • Keep track of all of your cryptocurrency in one spot.
  • Techniques for refining your methods through the use of journals
  • Advanced analytical techniques
  • Uncomplicated to comprehend a chart of performances
  • Keep track of all of your exchange deposits, withdrawals, and account balances.
  • Balances in real-time, as well as total gains and losses


  • There is no mobile app.

Journalytix – Best Trading Journals for Stock and Crypto

Jigsaw has developed a platform called Journalytix.

If you are familiar with Jigsaw, you can be confident that Journalytix will be a genuine experience.

Their systems, which mostly focus on futures (but also allow you to record forex, CFDs, stocks, and cryptocurrency). Moreover, provides a comprehensive performance tracker with a built-in calendar and audio news feed.

When Was Journalytix Launched?

Journalyix was launched in 2018 by Jigsaw. The tools highlight trends in trading data that assist traders determine what is working and what isn’t for them.

How Does Journalytix Work?

Leaderboards, group discussions, group analytics, and a management dashboard are all features that are exclusive to the Journalytix software platform.

Aside from that, they collaborate with a number of legacy futures brokers and futures funding businesses. So if you are involved in the futures trading industry, you may find yourself utilizing the Journalytix platform.

They are a good option. However, as a classic retail trader, I would look at either Edgewonk or Tradersync as a next step on list.

Best Trading Journals - Journalytix Trading Journal
Journalytix Trading Journal

Features of Journalytix

The following are some of the features of Journalytix:

Dashboard for Trader Assistance

“Day Overview” combines a real-time audio news feed, economic release warnings, real-time economic news announcements, profit, risk and P&L charting. 

All in one place to ensure that you are always aware of how your day is progressing, how it compares to your typical day, and what events are shaping the days’ action. 

Journalytix “Day Overview” combines a real-time audio news feed, economic release warnings.

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Tagging and Journaling in the Workplace

Trade information is immediately transmitted to our computers within seconds of opening or canceling a position on your trading platform. 

A pleasant, unobtrusive notice will provide you with 1-click access to the journal for that position, where you may – voice dictate notes (130 languages allowed), classify the trade, add free-format hashtags and attachments such as screen images or videos, and much more!

Dashboard with Advanced Analytics

Analyze your trading history to understand what is truly affecting your profit and loss – both positively and negatively.

Trade types and free-format hashtags you added to positions may determine which instruments, when the open positions, and what trading habits are truly driving your bottom line.


Because nothing is guaranteed to perform all of the time, your playbook serves as a store for knowledge about your trading rules as well as which market circumstances are most appropriate for each setup.

How To Subscribe to Journalytix?

You can easily subscribe to Journalytix packages by visiting their website. Moreover, you will come across the following packages:

  • 14 DAYS FREE, then $47 per month
  • First 14 Days Free, then $399 per year
  • $47 per month
  • $399 per year

How to Cancel Your Subscription for Journalytix?

During the first 14 days, you won’t have to pay anything. Alternatively, you may cancel the recurring payment via Paypal before the 14-day period expires if you do not wish to proceed. 

If you want assistance in canceling your plan, please contact them and they will assist you.


  • Dashboard for Trader Assistance
  • Advanced Analytics
  • Tagging and Journaling in the Workplace


  • Limited features as compared to TraderSync

Best Trading Journals Conclusion 

There is no question that keeping a decent trading journal may help you move from being an average trader to becoming a top-tier trader overnight.

However, in order for this to occur, the journal must offer you with the tools and functionality necessary to complete the task at hand.

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The seven selections discussed above are all excellent, but you should take the time to examine their essential characteristics in order to choose which one is the most appropriate for your trading style.

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Is Bio Forum By Bill Spetrino Legit or Scam -Full Review

Bio Forum By Bill Spetrino

Willing to help your children, grandkids, or yourself in achieving financial independence? If so, then why don’t you try Bio Forum By Bill Spetrino?

It is designed to allow Bill to communicate with a small group of customers and alert them directly about investment possibilities. More specifically, in the most timely manner, this forum has proven to be extremely successful.

What is Bio Forum By Bill Spetrino?

You’re probably seeking additional information about BIO (“By Invitation Only”) Forum By Bill Spetrino. Moreover, whether or not it’s a reputable source by which to learn how to trade the financial markets and invest for a living. 

If you are familiar with Bill Spetrino, you are undoubtedly already aware of his reputation. Additionally, the positive feedback he has gotten from members, about his advising services throughout the years. 

What Set Bio Forum Apart from many Investments Forums

Apart from providing his inner circle with excellent investing and trading expertise. Bill is also concerned about the well-being of all members and is able to devote his time and attention. Moreover, he gives attention to each and every one of them.

Every time we contact Bill Spetrino and his associates, we can’t help but feel that we’ve gained a great deal of knowledge and understanding. 

Bill and his staff consistently offer us excellent research, a proven track record, and excellent after-subscription services. In contrast to the majority of other advisory firms that simply take your money and deliver terrible support thereafter.

Is Bio Forum By Bill Spetrino the Right Fit For You?

Is Bio Forum By Bill Spetrino the Right Fit For You?
BIO Forum Login

When Bill Spetrino decided to start this BIO Forum, he’d already established himself as one of the most reputable and famous traders and investors in the world. 

Despite the fact that Bill did not need to create this forum. Because he already had a good reputation and track record. He ultimately decided to do so after being told that it would be impossible to create a successful traders’ network.

Moreover, he then set out to prove his doubters wrong by creating one.

Developed to allow Bill to communicate with a small group of customers and alert them directly about investment possibilities. More specifically, in the most timely manner, this forum has proven to be extremely successful. 

The Making of the Bio Forum

This is after his network of relationships has grown substantially, with clients now hailing from all around the world. 

The forum has evolved into a professional and serious environment where members may obtain reliable and extremely important information regarding professional exchanges. 

Members will now be able to engage in a safe environment and will have access to a high-quality platform for exchanging trade and investing possibilities from across the world.

Our ability to directly question Bill Spetrino as members of the Bill Spetrino BIO Forum extends to any questions that fall within his field of expertise, which includes individual stock trading, options trading, commodities trading, and virtually everything else connected to trading and investing

Being Part Of A Community of Like Minded Investors

The best part is that by participating in a forum, multiple perspectives on the highlighted investments and trading opportunities are presented. 

Moreover, providing members with more opportunities to not only find the best opportunities. But also to avoid losing money on bad trades or investments as a result of their participation.

Who Do You Think Would Make An Excellent Member of the Bio Forum By Bill Spetrino?

  1. Investors in their own right who are actively self-managing their own portfolios and investments are classified as Individual investors.
  1. Professional investors who recognize that paying $1.25 per day for access to global opinions is a good use of their resources.
  1. Those who are attempting to achieve financial independence and who wish to participate in an educational interactive environment.
  1. Well-intentioned individuals who wish to provide their children and grandkids with a real-world education that will prepare them to become financially independent.

Warning of Consumer Fraud Relating to Bio Forum By Bill Spetrino

Fraud Alert
Fraud Alert

The popularity of Bill Spetrino’s BIO Forum has spawned a slew of imitators who are attempting to recoup their losses by selling their own bogus platforms in its name. 

This is a significant problem since many consumers have lost their money as a result of enrolling through bogus websites. 

Beware of Fake Copy Cat Forums

Customers are encouraged to exercise extreme caution while subscribing to any website and to conduct extensive research before joining any website in particular. 

Avoid sites that claim to write about Bill Spetrino BIO Forum but whose content is pure rubbish due to the fact that it is generated by the software and then spammed all over the internet in order to spot them. 

It is usually preferable to refrain from purchasing from any other website other than the official website. 

Due Diligence is Recommended

As a result, it is strongly recommended that buyers conduct thorough research before purchasing or joining the site from the official website, which can be found at

The authentic platform may be found on their official website, which is accessible over a secure connection.

Customers Reviews About Bio Forum By Bill Spetrino

G of Alabama, USA

“First time since I took management of my IRA that I’ve made cash. The discussion board discussions are nice.”

MD of Albuquerque, NM, USA

“Invoice posts his trades in actual time, he says what he does and does what he says. His cash is on the road.”

KK of Pennsylvania, USA

“As a latest subscriber to the B.I.O. Discussion board I acquired my first star as a NEWBIE member a couple of days in the past. 

I do know this can be a new starting for me and am excited to be right here. Invoice and his “Band of Merry Males & Ladies” are loaded with investing/buying and selling expertise and are prepared to share their experience with everybody. 

From portfolio creation/upkeep, to commerce concepts, to market overview they cowl all in full and trustworthy method. 

I’m nonetheless rising my wings right here and am assured that that is the place to be. Requested “What do you want finest about B.I.O. Discussion board?” I confidently say… EVERYTHING”

MH of Chicago, IL, USA

“The benefit to a BIO website is: there are extra eyes on the market.  A market is not only a bunch of numbers transferring randomly however individuals with completely different views of the market place.  It retains an open thoughts to search out new alternative for investments.”

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“The BIO Discussion board is FANTASTIC! The place else are you able to brainstorm with different buyers and merchants every day and get invaluable funding data and methods? I’ve realized extra on the BIO Discussion board than with all different funding companies COMBINED. That is for actual…do not miss out.”

JC, Toronto, Canada

“Invoice is the true factor – trustworthy, skilled, market-savy, and profitable. He calls the pictures precisely as he sees them and trades them himself. His document of success is posted for all to see. 

I’ve made superb cash since I’ve began following his trades, strategies, and recommendation. His discussion board members are hand-picked and contribute to full of life discussions about shares, trades and the market normally. 

An glorious and pleasant website for superior buyers and merchants, as effectively as for inexperienced persons.”

SG, Chicago, IL, USA

“What the BIO Discussion board provides me is a devoted group of like minded people who are eager to extend their consciousness of worth investing and worth primarily based inventory choice methods.  

I understand that not everybody desires to purchase and maintain shares, however the discussion board is ready to separate the brief time period merchants from the long run inventory holders purchase actively creating sub-categories that match every area of interest.  

I test the discussion board every day and take into account it to be a useful useful resource for me to additional improve my expertise.  The truth that I’ve developed some friendships as effectively is a facet profit that was not deliberate for.”

GH of Connecticut, USA

“The BIO Discussion board is just the very best….it is acquired variety within the discussions that promote vital considering.  

I take pleasure in bringing information to the group as I get a lot in return. The discussion board platform is dynamic,secure, moderated and members are pleasant….better part – “Pre-testing” my buying and selling concepts earlier than I put a commerce on…the suggestions and information one will get after they select to take part is superb.”

What Bill Spetrino Says About Bio Forum By Bill Spetrino?

Bio Forum By Bill Spetrino
Bill Spetrino Thoughts on BIO Forum

In the past year, I, Bill Spetrino, have provided expert advice on specific stocks as well as broader stock market strategies through a variety of mediums. 

Bio Forum Results

A total of 19 out of 19 winning positions have been generated by My Dividend Machine Newsletter, resulting in articles being published in the October Financial Intelligence Report by best-selling journalist and Newsmax CEO Christopher Ruddy, and a cover story in the November issue of Newsmax Magazine, which features Sarah Palin on the cover.

Six months ago, I would have never imagined that my biography and blog articles on with Larry Kudlow and Chris Ruddy, among others, would have resulted in a significant increase in my international network of connections. 

Unfortunately, this has placed a significant demand on my time, making it almost difficult for me to individually tell each of my partners about potential investment opportunities.

Bio Forum Testimony

For a variety of reasons, this forum differs from others. There is a strong emphasis on high-quality interactions and professional networking. Trade tactics are addressed from a variety of views without the risk of personal assaults being leveled at participants. 

Because most individuals are restricted in their available time, the “B.I.O. Forum” will allow me to express my ideas while also allowing you to share your thoughts and investment strategies with the group. 

Due to the fact that I engage in the forum on a regular basis, you will have the opportunity to ask my specific questions on certain stocks, options, or commodity trading methods.

Bill Spetrino BIO Forum – Final Words

Briefly said, this BIO Forum of highly driven and highly qualified traders and investors has shown to be excellent value for money, especially when considering that it only costs an average of $1.25 each day. 

If you are interested in expanding your network of contacts to include the best traders and investors, as well as not missing out on opportunities to exchange the best methods and ideas in the finance world, click on the button link below.

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Is it worth Trading on Margin?

Is it worth Trading on Margin? – Easy Step by Step Guide

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2021 TradeMiner Review – Honest Review You Must Read!

Trademiner Review

Looking for an honest TradeMiner Review? If so, then you have to the perfect place!

Even if you are just getting started in the financial markets (forex, futures, or stocks), it makes perfect sense to put forth the effort and make every effort to be successful. 

Attempting to trade blindly on your own, on the other hand, might quickly take you down a path to financial ruin. Finding a professional trader to guide you through the process, on the other hand, is not always straightforward.

In reality, individuals who provide such services demand exorbitant rates for their services. Fortunately, there are websites such as TradeMiner that can offer you the assistance you require to get off to a successful start.

TradeMiner Review – What You Should Know About It

2021 TradeMiner Review - User Interface
TradeMiner User interface

It is a platform to give you insights that might assist you in making realistic investing decisions based on its research.

It is really built mostly on historical data scanning software, which scours prior information and uses it to tell you of the most appropriate options to make at any current moment.

The assumption that previous data has an impact on future patterns is made by Trade Miner in this manner. 

We can witness the fact that by studying the previous performance of specific markets, it is always feasible to forecast what the future could hold.

As a result, it is only fair to describe Trade Miner is a platform that is designed to enhance your chances of making profitable transactions. Studies in the past have shown that historical data trading has an accuracy rate of around 80%.

The Packages

A total of four distinct packages are available for TraderMiner.

The first package is referred to as a composite package since it combines the previous three packages into a single tier. 

The composite package, which includes information on stocks, futures, and forex, is available for an initial price of $194 and a recurring annual fee of $129 after that.

But what if you’ve already decided on a field of expertise and are solely interested in trends and cycles in that field? In such a scenario, the nice people at TradeMiner provide you with the chance to make your selection.

The standalone stock, futures, and currency packages are all available for purchase for $97 for the first year and $79 each year after that, respectively.

And there’s more – you can always purchase two of these independent packages and receive a third box free of charge. Also included is a 30-day money-back guarantee period, which is in addition to the benefits listed above.

TradeMiner Review – What It Does and How It Works?

2021 TradeMiner Review - TradeMiner Technical indicators Chart
Trademiner Technical Indicators Chart

In order to use this platform, the first thing you must do is download and install the software. You will be needed to pay a one-time price of $194 in order to gain access to the download link (or $97 in order to access the standalone products).

Fortunately, this program is compatible with all major operating systems, including Mac OS X, Linux, and the Windows operating systems.

The program will basically start scanning marketplaces for you on its own, and it will provide thorough data on patterns and trends as a result of its scanning efforts. 

This frees up more time for you to devote to developing a sound trading strategy or participating in forex forums to stay abreast of the newest developments in the market.

Our research has revealed that this program is intended to assist you in reducing your burden by at least 80 percent. Due to the fact that it scans the markets and provides you with ready-made reports, it has become so popular.

1. Market Scans in a Speed

In order to accomplish so, you’ll need to conduct a search for trends or specific symbols using a unique search engine that’s available on this website. 

The historical data will be automatically ranked by the system, which will use a proprietary ranking mechanism to do so. The aforementioned algorithm selects the stocks with the largest historical gains and ranks them in order of importance on the list.

The findings are accompanied by a score that ranges from 0 to 5, with 5 being the best. There is a color-coded button next to the score that shows the intensity of the signal for that specific round.

Anything with a score of 4 or above is generally accompanied by a green button, which confirms that it is truly a powerful signal in the first place.

Anything having a rating of less than one star is denoted by a red button. Of course, this means that you should refrain from entering that industry.

2. A Wide Range of Charts

There are four different sorts of charts available on the site. The first and most popular of these is the Historical Equity graph, which displays the general market behavior over a specified time period. 

Then there’s the year-by-year comparison, which gives you a bird’s-eye view of the market’s performance over a period of time.

Then there’s the historical risk vs. return chart, which comes in useful when you have to make judgments on the spur of the moment. 

Finally, there is the year-by-year trade, which captures all of the trade information you want in order to make informed business decisions.

In other words, there is always a chart that you can utilize to increase your profits. 

And, perhaps most significantly, the charts are user-friendly. This means that you do not need to be a charting genius to understand how to make use of them properly.

3. Filtering System with Enhanced Performance

This method does an excellent job of filtering the information. It allows you to concentrate on the elements that are important to you. 

There are a plethora of criteria available, including Margin per Contract, Price Range, to name a few.

You can simply filter out the noise whether you’re a penny stock trader or a big-time investor. When you do this, your searches will begin to automatically display you a list of options based on your preferences. Which you can then choose from!

How to Benefit From Trademiner ?

2021 TradeMiner Review - TradeMiner Benefits
TradeMiner Benefits

There are a variety of methods in which you may make use of this useful piece of software. As previously said, this system may not be as technologically sophisticated as more expensive alternatives. 

As a result, you will still be required to provide at least 20% of the work. Here’s a step-by-step guide on how to accomplish just that.

Checking for Technical Issues

You may quickly and conveniently scan for trades using this technique before selecting the most qualified possible candidates. 

The majority of individuals make this decision based on the score and historical average returns. You may simply examine your charts to identify the stocks that have attained the finest technical configurations.

Watching for the Appropriate Moment to Go on Strike

As you are undoubtedly aware, the stock market has a tendency to fluctuate at a breakneck pace. As a seasonal trader, you can always rely on TradeMiner to help you make money. 

You’ll be able to keep an eye on the markets and make a decision when the moment is right. You may lose out on the possible profit you could have made by trading all of the time. But you will get an additional degree of security in exchange.

Investing in Options

The most popular strategy for investors to earn money when trading stocks is to simply go long. When the stock prices are low and short when the stock prices are high, as seen below. 

Unfortunately, there is always the potential that you may purchase items at a high price. And then sell them at a lower one, incurring a loss. And it is at this point that the potential of TradeMiner’s options trading may be realized.

With the use of options trading, you may now reduce your risk while still retaining a limitless potential profit margin. The TradeMiner algorithm, which is based on historical data, assists you in identifying the appropriate types of options to trade.

Buying and Selling Pullbacks

Sometimes the most profitable method to profit from a transaction is to just wait for the trend to reverse. Unfortunately, it is extremely difficult to determine when a pullback trend is about to take over using conventional trading techniques. 

Using the TradeMiner method, on the other hand, it is feasible to keep an eye on seasonal trends. To hop on board as soon as the prices begin to follow the direction of their historical trend.

Double-Checking All of the Details

It is possible to use Trade Miner as a backup system if you are currently a member of another stock or FX trading website that offers you trade settings. 

You’ll be less likely to get taken in by misleading signals this way, too.

What Kind of Trader Would Benefit the Most from Using the TradeMiner ?

Beginner traders appear to be the primary audience for Trade Miner. A thriving education center, which will give you the confidence you need to begin making lucrative movements right now. 

As a result, we believe this is an excellent platform for anybody interested in learning the fundamentals.

You may not find much use in TradeMiner if you are an advanced trader, as the odds are that you will be. 

For those who want to cement their approach and increase their confidence, this historical scanning tool will be quite useful.

TradeMiner Subscription Cancellation

30 days before renewal, TradeMiner subscribers are notified via email, and they have the option to discontinue their renewal subscription at any time.

Following the completion of a TradeMiner Data renewal transaction, there are no refunds available. Call at 800-862-7193 or 435-752-8026 at any time to discontinue your subscriptions or services.

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Is it worth Trading on Margin? – Easy Step by Step Guide

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Microcap Millionaires 2021 Review – How Easy To Start Investing

microcap millionaires review

The popular Microcap Millionaires investing program, run by Matt Morris, may be precisely what you’re looking for if you’re seeking to get started trading penny stocks and want to enhance your chances of success along the way.

Microcap Millionaires Review | What Exactly is Microcap Millionaires

Trades in small-cap stocks, often known as penny stocks, may be extremely profitable due to the high level of volatility in the market and the low price per share you pay. 

Not to mention the modest amount of initial money required. Furthermore, if you have the necessary experience, you may frequently generate large profits in a relatively short amount of time.

What Is Microcap Millionaires ?

Unfortunately, microcap stocks are infamous for attracting scam artists, making it all too simple for investors to get taken advantage of and lose money.

The business promises to be able to give guidance on the best techniques for trading small- and mid-cap companies. Is it, however, worth all of the hype? Sometimes all it takes is a simple examination to uncover the truth, and this is one of those instances.

microcap millionaires review - Microcap Millionaires website
Microcap Millionaires Website

Simply put, this is a stock selecting service that is available on a subscription basis and is targeted at investors who are interested in trading microcap firms. 

Beginning operations in 2008, the firm now has over a decade of experience behind it. It now has thousands of subscribers, which is impressive. This demonstrates that a large number of people have confidence in this service.

Ultimately, the program’s objective is to provide traders a competitive advantage in the penny stock market by teaching them the skills they need to succeed in the market.

On a weekly basis, Microcap members receive notifications on the best penny stocks to purchase and sell through the use of an online newsletter template. 

The top choices are selected based on Matt’s considerable trading expertise in penny stocks, ensuring that you receive the highest possible profits in the shortest period of time possible.

Is Microcap Millionaires Good for Beginners?

microcap millionaires review ebook
Microcap Millionaires ebook

Microcap Millionaires, in contrast to other services of a similar kind, are created with all levels of traders in mind, including intermediate and seasoned professionals. 

Beginners, on the other hand, will get significantly more knowledge from this book because it covers so many fundamentals of penny stock investing.

As an example, as a novice, you will learn how to monitor the market objectively, how to expose yourself to price changes, and how to develop profitable trading strategies in order to succeed.

Additionally, the program is designed for those who have a modest trading account and want to expand it into something much larger. 

The service will be beneficial to traders, as well as people who do not have the time to sit in front of their screens all day following stock movement. 

However, individuals who have day jobs will gain the most from the service.

This is due to the fact that Matt generally takes care of everything for you, so you don’t have to spend the entire day on the computer.

The Most Important Features of Microcap Millionaires

Weekly Selections

When you join up for the Microcap Millionaires program, you will receive weekly stock recommendations in the form of an email that has the potential to help you earn substantial profits. 

The selections include short-, medium-, and long-term equities to purchase or sell, which makes the program ideal for both short- and long-term investors, depending on their objectives.

In addition, Matt will advise you on the best time to purchase or sell, as well as at what price. Essentially, weekly choices are intended to remove the element of surprise from the situation.

Participation in a Forum

In addition, the program includes a private members’ forum where users may interact with other traders who share their interests. This is a feature that only a small number of stock selecting newsletters provide their subscribers. 

Beginners will be able to learn additional trading methods from more experienced traders in this setting.

Furthermore, by participating in the forum, you will be able to choose from a larger pool of options provided by other users. 

While there are occasions when choices from other traders are as excellent as or even better than those from Matt, you must exercise extreme caution while doing so. 

Furthermore, the forum is a fantastic platform from where you can get all of your issues addressed as quickly and efficiently as possible.

Technical Analysis

Another excellent aspect of this service is that for each stock Matt suggests, he generally includes a technical analysis explaining how he arrived at his conclusion. 

This is a valuable addition to the service. As a result of this research, you will have greater confidence in Matt’s weekly stock choices as a result of the many reasons he chose the specific stock.

You will also be able to observe the selection process for penny stocks, which will be very interesting. Consequently, if you opt to go it alone, you will have a very simple journey ahead.

Keep a Running List of Things to Watch

In addition to the weekly choices, the platform provides a watch list of several stocks that have the potential to be successful in the near future. 

This is intended to offer you an idea of which stocks may be the next big thing, as well as which ones to avoid in order to prevent making losses.

Educational Materials

As a member of the platform, you will have access to a comprehensive range of instructional tools designed to help you learn more about trading microcap stocks from its founder. 

A large number of in-depth and educational films are available, detailing the many techniques Matt employs when making his stock selections.

In addition, fundamental concepts like money management, technical analysis, and resistance are covered in the films. 

There are also a plethora of downloadable reports that include information comparable to that contained in the videos.

As a result, this will assist you in understanding how and why Matt selects the stocks that he chooses.

As an Added Bonus

According to Matt Morris, after you participate in the program, you will get instant access to the Penny Stock Strategy guide. 

The course, which is exclusively available to members, offers essential information about trading small-cap stocks and is only accessible through the members’ area. 

It also contains additional ideas and guidance that will be beneficial to both novice and experienced investors.

Furthermore, if you sign up for the service before the summer sale period ends, you will receive a discount of about 50% on your subscription fee. 

As a result, rather than paying a $97 monthly membership fee, you will only pay a $49 monthly fee.

This is advantageous since you will still be receiving all of the benefits of the $97 monthly fee.

How Does Microcap Millionaires Work ?

Members of Microcap Millionaires are assured of getting newsletters outlining Matt’s newest choices through e-mail as long as they remain active members. 

According to Matt, he typically does extensive research on a variety of stocks before making a choice based on his instincts, results, and previous expertise as a microcap trader on the stock market.

All of the key information you need to trade successfully is summarized in the email.

Sign up for the newsletter now!

Additionally, it sends you alerts when certain stock entry and exit points are reached, so you don’t have to rely on guessing.

Normally, when all subscribers receive email notifications on which stocks to trade and then act on them immediately, the stock prices rise by around 20 percent on average. 

As a result, they are able to realize significant profits.

How To Profit From Microcap Millionaires

By quitting the deal, on the other hand, the prices are returned to their previous levels.

As a result, the higher the number of subscribers, the greater the influence that they will have on the stock price after the alert is sent out.

The majority of Morris’s gains, on the other hand, are only realized if the stock acts precisely as Morris said it would.

This is the greatest part: all of his selections are backed by background information on why he selected them, allowing you to feel certain that they have the potential to convert.

Is Microcap Millionaires a Worthwhile Investment, or Is It a Waste of Money?

microcap millionaires review
Microcap Millionaires Data Chart

As you have just learned from reading this Microcap Millionaires review, there is far more to gain from investing in Microcap Millionaires than there is to lose.

My own experience with the newsletter has been overwhelmingly favorable, which is consistent with the majority of the evaluations on the website.

The bad aspects of the experience are completely attributable to the lack of regular alerts regarding what is going on with the stock exchanges at any given moment in time.

Consider combining Microcap Millionaires with another newsletter that can assist you in staying on top of stocks as they move while still employing Matt Morris’ techniques for managing them if that is something that interests you.

Is Microcap Millionaires Reliable ?

One of the most crucial aspects of obtaining financial gain from penny stocks is being aware of what is occurring as it occurs.

Most significantly, the Microcap Millionaires newsletter is a dependable source of information. It’s a dependable system.

It will not try to deceive you or keep the finest selections or methods for success hidden from you.

Because this is essential for you whether you are learning about penny stocks for the first time or have years of expertise in the market.

Investing in penny stocks requires little time commitment and carries little risk.

The Bottom Line

Microcap Millionaires is more than just a stock picking service.

It is also a regular email-based newsletter that aims to teach its subscribers how to identify legitimate small-cap stocks.

These are undervalued and trading for pennies on the dollar, as well as when these stocks are poised to make huge gains. 

It is possible to start picking winning trades even if you do not have much or any trading experience.

If you are a beginner investor who does not yet have much or any trading experience, this program is perfectly fitting for your circumstances.

You can use this newsletter and guide to get started picking winning trades even if you do not have much or any prior trading experience.