If you're thinking about ways to make your money work for you or generate more than today's savings account interest rates can offer, or you want to manage your own wealth, it is worth exploring the opportunities investment apps offer.

Investment is no longer just in the realm of pensions or locked away on Wall Street. Instead, as the GameStop shares incident highlighted, retail investors now also have huge collective power in the stock market. 

It's not all about so-called "meme" stocks, though, which can be extremely risky. Mobile investment apps, instead, can be used to monitor and manage typical trades including individual stocks, mutual funds/ETFs, ISAs, SIPPS, and other types of pensions, and more. You also don't always need to manage your stocks personally, depending on your preference.

Below, ZDNet has compiled a list of the top investment apps to consider in 2022. 

Fidelity

Best investment app overall

Features: No account fees, no minimum deposit

Fidelity is an excellent option for both professional and retail investors. The brokerage's app, available on iOS and Android, offers individual stocks and shares as well as bundles, such as socially responsible funds or index funds, to explore. There are also useful news feeds, a goal planner, and Fidelity offers commission-free trades of ETFs and shares to retail investors. 

Pros:

• Investment tools
• Straightforward pricing structure

Cons:

• A learning curve

Nutmeg

Best for long term savings, ISAs

Features: Fully managed portfolios

Nutmeg is my personal favorite for long-term investments in ISAs. One for UK investors and accounting for over 185,000 users, the Nutmeg app can be used to manage general investments, ISAs, and pensions. You can set goals, investment styles, and how comfortable you are with risk. You can also choose to have your funds managed. Nutmeg invests in index funds, ETFs, and by country and sector. 

Fees vary by portfolio, whether managed, socially responsible, or based on fixed allocations. 

Pros:

• Fully managed portfolios are an option
• Regulated by the FCA
• User-friendly

Cons:

• Need substantial deposits to open new ISAs (