Betterment: Which is Best For You? Nerdwallet recommends Betterment for investors who want to be hands-off, are retired, want automatic rebalancing, have low balances or like goal-based tools. You can also buy and sell with Bitcoin. International travelers love that you can use your Schwab Investor Checking ATM card anywhere in the world with no fees. If you want to invest and have no idea what to do, Acorns is the best stock trading app for beginners. TD Ameritrade actually offers multiple mobile apps depending on your needs. You can invest in a portion of a share instead with a much lower minimum investment.