Why Are So Many Investment Beginners Choosing Apps?

Investing has never been easier. Investment apps give more people access to make money on the stock market. While some people choose to stick to traditional avenues of investment, more and more new investors are opting for apps like Xantos Labs.

What makes investment apps so appealing to investment beginners? Apps simplify the complex and intimidating investment process. The best investment apps, like Xantos Labs, give beginners the power to learn while leaving all the complicated aspects to the experts.

The Evolution of American Investing

1950 - 4% of Americans owned stocks

Just seven decades ago, only 4% of Americans owned stocks. Of these privileged 6.5 million people, only a handful actively participated in choosing stocks to invest in and when to buy and sell. Other investors relied on investment managers to handle their investments for them.

2000 - 20% of Americans owned stocks

Between the 1970s and 2000s, the world of investments changed completely--thanks to technology. Over the course of just a few decades, the number of investors in the U.S. grew from 4% to 20% of the U.S. population or 100 million people. Today this number continues to grow as more and more people opt for a more hands-on experience when it comes to investments.

By the 80s, the internet reinvented how the ‘average Joe’ could participate in the stock market. Stockbrokers created online platforms for electronic trading while investors could learn more about public companies. Average Joe investors could also study historical stock performances easier along with learning tips and tricks to guide them along the way.

2008 - 62% of Americans own stocks

The height of average Americans owning stocks came in 2008 with 62% of Americans owning stock. However, the financial crisis hit the same year and these numbers plummeted. However, once the internet became handheld in the form of smartphones, so did the power to participate in the stock market. Algorithms, data, and crowdfunding further changed the face of investing.

Soon, the best investment apps, including Xantos Labs began integrating the latest techniques in smart investing and gave even more people access, convenience, and control over their finances and investment.

2021 - 56% of Americans own stocks

Today, the number of people like you opting for an easier way to invest continues to grow.

Who Is Using Investment Apps?

Apps like Xantos Labs make investing easier for everybody. So, who is taking advantage of app-based investing, and who is not?

Other Investment App Trends

Who Isn’t Investing?

In the world of financial planning and investing, one major problem remains: the playing field has left many people out in the cold. Historically, minorities, including people of color and women have not felt as confident when it comes to investing.

While demographics are changing--more women than men now use financial tech apps--many potential investors still do not feel comfortable navigating the investment process [X].

The Benefits of Xantos Investment App for Beginners

Apps aren’t the only option for individual investors--so why are so many, especially beginners, opting to use apps over websites, money managers, and other choices? A closer look at Xantos Labs, the investment app for the next generation, can shine some light on the benefits of app-based investing.

  1. Greater Access to the Stock Market for All Investors

    One of the biggest advantages of investment apps is that they provide greater access to people that would traditionally opt-out of investing. Anyone with a smartphone can download Xantos Labs and begin investing almost immediately… Within 5 minutes on average to be exact!

  2. In-App Education and Advice

    With Xantos Labs, you don’t have to be a financial wiz to understand the ins and outs of investing. We explain everything. Our experts share their perspectives in easy-to-understand insight explanations and articles. We like to say that every Xantos Labs user receives a VIP seat to our expert process.

  3. Simple to Understand Stock Profiles

    Throughout the Xantos Labs app, you will find stock profiles that include a summary, ownership information, statistics, and insights based on historic performance trends. And if you want to learn more, you can! Each stock profile has a link to a full report.

  4. Instant and Easy-to-Understand Access to Portfolio Performance

    Want to see how well your portfolio has performed over the past week? No problem. The dashboard on the Xantos Labs’ app home allows you to easily track earnings. You can choose between viewing your earnings over

    • 1 week
    • 1 month
    • 3 months
    • 1 year
    • 5 years
    • Or the lifetime of your account

    Every Xantos Labs user also can instantly visualize the state of their portfolio on the homepage. How? The homepage displays your

    • Overall earnings
    • The amount earned within the selected timeframe
    • A line graph of your portfolio’s performance
    • Individual investments gains and losses
  5. In-App Support

    We understand that your money matters and everyone deserves to feel in control of their finances. This is why we never want our investors, including beginners, to feel like they’re going it alone, and the reason Xantos Labs includes in-app support.

  6. Xantos Labs Provide a Premium Experience without Premium Fees

    Every user receives full access to all tools and aspects of our app. We charge a flat rate advisory fee of 1% per year. We also do not earn commissions or charge fees on trades.

  7. Low Account Minimums

    We understand that many new investors want to learn the ropes before investing large amounts of money. At Xantos Labs, we also believe that you shouldn’t need a comma in your starting investment in order to participate in the stock market. Because of this, we keep individual minimum account requirements low at $500. In addition to a low entry investment amount, we also do not factor in if your account drops below the minimum.

What Else Do Investment Beginners Need to Know About Xantos Labs?

Our team of financial experts and tech professionals are committed to increasing investment literacy and access for everyone. Whether someone has traded stocks thousands of times through an online service or has never invested at all, we believe every person should be able to invest like the pros.

We give you the same tools used by the best financial firms. Xantos Labs breaks down barriers to entry when it comes to investing by:

Put Your Money to Work & Start Investing with Xantos Labs

Xantos Labs is a preferred investment app for beginners and seasoned investors. With a user-friendly interface, low minimums, and access to expert insight, our app allows every user to build knowledge, confidence, and a history of trades easily.

Learn more about how Xantos Labs can help help you take control of your financial future.

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