Don’t worry about how much to put in the market, says Digit. Digit knows your spending habits, bills, and goals. They use that info to calculate the right amount to invest in a portfolio that fits your situation. Digit matches you with an expertly-balanced portfolios of stocks and bonds that are designed to grow over time.

Digit charges users $5 per month.

Investing in your long-term wealth or retirement is all part of the package. You don’t have to pay extra to make investments using Digit. There is always the risk of losing money when you invest in the market since you can expect the value of your portfolio to change every day - up or down. The idea behind retirement is that you’re investing for the long-term, so focusing on short-term swings can cause unneeded stress and rash decisions. Predicting highs and lows, or “timing the market,” is nearly impossible and more often than not leads to worse portfolio performance - even for professionals in the industry. Instead, history has shown that patience pays off. It’s better to steadily invest in a diversified portfolio over a long period of time. The longer the period, the higher the chance of positive returns.