Introduction
If you’ve ever sent money through a Cash App and thought, “Wait… can I actually buy stocks here?” you’re not alone. A lot of people don’t realize that the same app used to split dinner bills can also be your first step into the stock market.
That feature is called Cash App Investing, and it’s built for people who want to start small, learn fast, and maybe even turn pocket change into something bigger.
In this guide, we’ll break down exactly how to invest in Cash App, what stocks real users are buying, and the best stocks to invest in on Cash App right now. No jargon. No lectures. Just the stuff that matters.
How Cash App Investing Works
Cash App Investing is a simple way to buy stocks and ETFs straight from your phone. There’s no complicated dashboard or minimum balance. You can literally invest with $1 thanks to something called fractional shares perfect for anyone who’s read our guide on Beginner Investing Secrets and wants to start small and safe
Setting It Up
Here’s how it works:
- Open your Cash App and tap the little Investing icon.
- Pick Stocks.
- Verify your identity (you’ll need your SSN if you’re in the U.S.).
- Start browsing.
You’ll see popular companies, ETFs, and performance charts. Pick one, tap Buy on Cash App Investing, choose your dollar amount, and you’re done. That’s literally it
Fractional Shares The Secret Sauce
Let’s say a Tesla share costs $250. You don’t need all $250. You can invest $5, and Cash App automatically gives you 1/50th of that share. It’s a great way for beginners to dip in without fear.
Fees & Hidden Costs
Good news Cash App doesn’t charge commissions. There might be tiny government fees (pennies, really), but overall, it’s one of the cleanest setups for small investors.
Selling or Closing
You can sell your stock whenever you want. The money goes back into your Cash App balance instantly. If you ever close your investing account, your shares are automatically sold and converted to cash.
Pros and Cons You Should Know
Why People Love It
- Super easy — No broker experience needed.
- Fractional investing — Start with $1.
- All-in-one app — Send money, buy Bitcoin, and invest all from one screen.
- Commission-free — Great for testing or learning.
The Not-So-Great Stuff
- Only U.S. stocks and ETFs have nothing international.
- No retirement accounts (like IRAs).
- Limited data and research tools are not ideal if you’re into deep stock analysis.
Is It Safe?
Yes. Cash App is owned by Block, Inc., the company behind Square. Your assets are held by DriveWealth LLC, a registered broker-dealer and SIPC member. That means your investments are protected up to $500,000 (not from losses, though just from company failures)
What Real Users Say (from Reddit)
If you check Cash App Investing Reddit threads, you’ll see a mix of stories. Most people love how easy it is to start, especially with small budgets. A few wish it had more charts or stock screeners. But overall, the vibe is this: “Simple. Fast. Beginner-friendly
How to Pick Good Stocks on Cash App
Here’s where most new investors freeze: “Okay, I opened it. But what do I actually buy?”
The trick is to start with what you know and use. If you’re holding an iPhone, buying Apple stock (AAPL) makes sense. If you’re streaming on Netflix, that’s another option.
When choosing good stocks to invest in on Cash App, look for:
- Stability: Well-known, established companies.
- Growth: Businesses growing fast (AI, green tech, fintech).
- Dividends: Companies that pay regular cash to shareholders.
- Diversity: Don’t just pick one stock and spread it out.
Sample $50 Starter Portfolio
| Sector | Stock | Symbol | Type |
| Tech | Apple | AAPL | Growth |
| AI | NVIDIA | NVDA | Innovation |
| Retail | Walmart | WMT | Stability |
| Banking | Bank of America | BAC | Dividend |
Even $10–$20 per stock can build your foundation.
7 Best Stocks to Invest in on Cash App (2025 Edition)
Let’s be real, nobody can predict the future. But these are some of the best stocks to invest on Cash App right now that keep showing solid performance and trust from users.
1. Apple (AAPL)
The world’s most recognizable brand. Strong earnings, loyal customers, and a dividend to top it off. Even a $5 fractional share can grow with time.
2. NVIDIA (NVDA)
The AI chip king. Everyone’s talking about AI, and NVIDIA is at the center of it. Its long-term growth has been explosive.
3. Amazon (AMZN)
From e-commerce to cloud computing, Amazon isn’t slowing down. Perfect for fractional investing.
4. Microsoft (MSFT)
Solid, consistent, and diverse. From Office 365 to AI, Microsoft continues to expand.
5. Tesla (TSLA)
If you can handle some risk, Tesla offers exciting potential. But expect swings it’s not for the faint-hearted.
6. Bank of America (BAC)
A great pick for steady dividend income and financial stability.
7. iShares S&P 500 ETF (IVV)
If you can’t decide, buy them all. This ETF tracks the top 500 U.S. companies, the easiest way to diversify.
Stories That Prove Small Steps Work
The $10 Story
A Cash App user on Reddit started with $10 weekly in Apple stock. A year later, they were up 12%. Not huge, but they learned the process, felt confident, and kept going. That’s how every investor begins small, consistent and curious.
What’s a Good Stock to Invest in on a Cash App if You’re Just Starting?
Stick to brands you trust. Apple, Microsoft, and Amazon are safe spots to begin. Buy a little, hold it for a while, and see how it feels. The key isn’t to get rich fast, it’s to get started.
Cash App vs Other Investing Platforms
| Feature | Cash App | Robinhood | Webull |
| Minimum | $1 | $1 | $1 |
| Crypto | Bitcoin only | Multi-coin | Multi-coin |
| Research Tools | Basic | Strong | Strong |
| Best For | Beginners | Active Traders | Intermediate |
Cash App is perfect for people who just want to start investing without getting overwhelmed by graphs and tools. If you love simplicity this is your lane.
Pro Tips from Everyday Investors
- Set a schedule: Add $5 or $10 weekly using Auto-Invest.
- Avoid the hype: Don’t buy just because a stock is trending.
- Diversify: Spread across sectors tech, finance, energy.
- Stay consistent: Time in the market beats timing the market.
If you hang around a cash app investing reddit threads, you’ll see the same pattern small, steady investors usually end up doing better than those chasing “the next big thing.”
FAQs
Q: How much do I need to start investing on a Cash App?
Just $1 seriously.
Q: What are the best stocks to invest in a cash app right now?
Look for established names like Apple, NVIDIA, and Microsoft.
Q: Can I lose money on Cash App Investing?
Yes, markets move up and down invest only what you can afford to risk.
Q: Is Cash App Investing Safe?
Yes. It’s regulated and protected by SIPC up to $500K (excluding losses).
Final Thoughts: Start Small, But Start Now
Most people never invest because they think they need a lot of money or a degree in finance. Cash App destroys that myth. You can start with the cost of a coffee.
If you’re still wondering “what’s the best stock to invest in on Cash App?” start with what you understand. Pick one company you love, buy $5 worth, and watch how it moves. That’s how confidence grows one tap at a time.
No charts. No stress. Just progress.
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