Choosing the right investment app for yourself: Recommendations and a beginner's pitfalls avoidance guide

Taiwanese people are becoming more skilled at managing their finances. According to statistical data, the proportion of financial assets invested relative to disposable income in Taiwan ranks among the top worldwide, indicating the high level of importance placed on investment and wealth management. However, with a wide variety of investment apps recommended on the market, how should beginners choose where to start? Don’t worry, this article will help clarify your thinking.

Before choosing an investment app, ask yourself these questions

Before downloading any investment app, clarify your investment needs. Don’t follow trends blindly, only to find out the software isn’t suitable for you.

Are you a short-term trader or a long-term holder?

• Short-term trading (intraday, swing): requires quick order placement, real-time market data, technical analysis tools
• Long-term holding: needs a simple interface, comprehensive fundamental information

Are you only investing in Taiwan stocks or also interested in US stocks?

• Taiwan stocks only: choose an app from local Taiwanese brokers
• Taiwan + US stocks: look for a platform supporting multiple markets

Are you purely trading or also learning?

• Pure trading: already familiar with the assets, need smooth order execution
• Learning-oriented: want apps with stock selection tools, financial statement analysis, investment news

Are you sensitive to transaction fees?

• Frequent trading: accumulated fees can be significant, choose a platform with low rates
• Regular investing: fee impact is relatively small

Recommended Taiwan stock investment apps, three different styles to choose from

Fuguo Account: The most user-friendly online account opening experience

Yushan Fuguo Account is a collaboration between Yushan Securities and Quanfu Technology (Fuguo Fintech team), which entered the top ten in the Singapore Startupbootcamp competition (the world’s largest Fintech event). If you already have a Yushan Bank account, opening a Fuguo account is effortless.

Why choose it: Very friendly interface, clean layout, logical information presentation. For those new to investment apps, Fuguo has the gentlest learning curve. You can easily view market data, check individual stock info, and place trades.

Suitable for: Beginners with a Yushan Bank account who want to invest in Taiwan stocks.

KGI Securities: Established major broker with the most comprehensive product line

KGI’s predecessor was China Trust Securities, a well-known name in Taiwan’s investment scene. It offers multiple apps (Mobile eStrategy, Mobile Teller, KGI Investment Pass, etc.), supporting Taiwan stocks, ETFs, options, US stocks, and overseas equities.

Why choose it: Large platform scale, diverse trading products, robust software features. Especially for busy investors who don’t have time to monitor the market, KGI’s alert functions and automated trading tools can save you a lot of effort.

Suitable for: Investors needing diverse assets and those with busy schedules.

Mr. Investment: Yuanta’s investment app, practical for smart stock picking

Yuanta Bank’s investment app features a simple interface, providing quotes for Taiwan stocks, warrants, futures, and more. Its biggest highlight is the intelligent stock selection feature (Bull & Bear Picks, K-line Picks, etc.).

Why choose it: If you need to monitor the market constantly and want quick trading decisions, Mr. Investment’s stock selection tools can help you quickly filter targets. It also offers comprehensive investment information, including individual stock reports, research reports, and investment programs.

Suitable for: Beginners who like intraday trading and need real-time stock suggestions.

Recommended fund investment apps

Don’t want to pick stocks yourself? Funds are a good option, with fund managers handling the trading.

Juheng Fund Platform: Taiwan’s largest private fund platform

Juheng is Taiwan’s biggest private fund platform, offering a full range of fund products with competitive fees. From product selection, investment consulting, to trading, all in one place.

Stock information apps, essential for research

Just placing orders isn’t enough; you need to understand the market and analyze data. These apps help reduce information anxiety.

Emily Fixed Deposit Stocks: Applying the Red-Green Light Stock Picking Method

Emily, a young woman with a monthly salary of 25K, achieved financial freedom using the red-green light stock picking method. Her app implements this approach, combining six advanced indicators to find undervalued stocks, with real-time financial reports.

Features: Clear stock selection logic, rich financial data.

San竹 Information: Connecting all Taiwanese brokers

As a leader in Taiwan’s financial consulting, San竹 develops and maintains trading software for 47 brokerages, covering 91% of industry practitioners. Stock info is very comprehensive, nearly connecting all mainstream platforms.

Features: Authoritative data sources, wide coverage.

Investing.com: The world’s top international market info platform

Ranked among the top three global financial info platforms, providing real-time data on global stock markets, forex, futures, funds, and bonds. Want to invest in US stocks or other international markets? Investing.com is essential.

Features: Leading international info, comprehensive tools.

Investment record-keeping apps

Investing isn’t just about placing orders; tracking costs and performance is also important.

CWMoney: Established personal finance and accounting software

CWMoney offers mature features, can connect to EasyCard and iPASS for automatic expense tracking. Besides recording transactions, it can generate income and expense reports and provide financial advice. Its interface has been optimized multiple times for simplicity and ease of use.

Features: Automated tracking, comprehensive financial analysis.

How to truly choose the right investment app for yourself

Don’t just rely on recommendations; ask yourself these questions:

• Is the app interface too complicated? Can I learn it quickly?
• Is market viewing smooth? Are the chart analysis tools user-friendly?
• Is the market info comprehensive? Can I easily gather the data I need?
• Does it support my preferred technical indicators?
• Does it support demo trading?
• Will order placement be laggy or delayed?

The core logic of choosing an investment app is: find the one that meets your trading style, information needs, and operation habits. Don’t be fooled by flashy features; simplicity and usability are key.

There are no shortcuts in investing and wealth management; choosing the right tools is just the first step. I hope these app recommendations help you find the most suitable platform and start your investment journey. Remember, no matter which app you choose, the most important thing is to establish your own investment logic and risk awareness.