Top 10 Best Stocks to Invest in on Cash App for Long-Term

Top 10 Best Stocks to Invest in on Cash App offering safe and profitable returns. Best long-term and short-term picks explained clearly by The Finance Bulls. Mobile investing is no longer niche. In the US, investment apps now hold well over 100 million accounts, and a large share of younger investors trade only on their phones.

Cash App sits inside that wave with more than 57 million registered users and a built-in stock and ETF feature. If you are searching for the best stocks to invest in on cash app, the real question is how to pick simple, sensible ideas that match your risk level. This guide keeps things practical.

You will see why Cash App can work for small portfolios, what to avoid as a beginner, and ten example stocks and ETFs that many investors study for long term growth. This is education, not personal advice, so always do your own research before you tap “Buy.”

What Makes Cash App a Good Platform for Stock Investing?

Cash App lets you buy US stocks and ETFs with as little as 1 dollar through fractional shares. There are no extra commissions on trades, so small orders do not get eaten up by fees. The app also shows simple charts, basic company info, and a clean order screen.

For new investors, investing on cash app feels less scary because you start with tiny amounts and learn by doing. Behind the scenes, Cash App Investing LLC is a registered broker dealer, and customer assets sit in a separate account with SIPC protection up to 500,000 dollars for securities. That is not a guarantee against losses, but it does add a safety layer if the broker itself fails.

Mistakes Beginners Should Avoid on Cash App

The biggest mistake is treating stocks like lottery tickets. Many people google whats the best stock to invest in on cash app and then put all their money into one hot name. That is just concentration risk with a nice interface.

Other common errors are trading too often and ignoring fees inside ETFs. People also chase meme stocks and forget tax on profits. Some users also leave cash idle in the app instead of putting it into an investment order.

Before you buy anything, read a short overview of the company, check its long term chart, and ask yourself if you would still hold it after a 30 percent drop. If the answer is no, your position size is probably too big.

Tips to Minimize Risk While Investing on Cash App

Start with a clear rule: never invest money you might need in the next three years. Set a simple split between broad ETFs and a few single stocks instead of only picking stories you saw on social media.

Use fractional shares to spread small amounts across several ideas. That way you can own both an index ETF and one or two growth names without a huge budget. Many people also set a fixed monthly amount and buy on the same date to average out price swings. For beginners asking is cash app investing good for beginners, the answer is yes if you treat it like a long term account, not a casino.

Top 10 Best Stocks to Invest in on Cash App for Smart Investors

These ideas are not personal recommendations. They are examples of widely followed stocks and ETFs that many long term investors research.

1. Vanguard S&P 500 ETF (VOO)

VOO tracks the S&P 500 index, which holds large US companies across many sectors. Over long periods, the S&P 500 has returned roughly 9010 percent per year on average when dividends are reinvested.

For a Cash App user, one share of VOO might feel expensive, but fractional shares solve that. You can put a fixed rupee or dollar amount into VOO and instantly get tiny slices of hundreds of firms.

It is a simple “core” holding because you do not need to pick individual winners. If you only chose one ETF to start your portfolio, many professionals would say a broad index fund like this is a reasonable first step.

2. Vanguard Total Stock Market ETF (VTI)

While VOO covers large caps, VTI spreads across almost the entire US stock market, including mid and small companies. That wider spread gives you more diversification in one swipe. Some years large companies lead. Other years, smaller firms recover faster. VTI holds both groups.

On Cash App, VTI works nicely for dollar cost averaging. You can add the same amount every month and slowly build a basket that reflects overall US business growth. Because it is still an ETF, the yearly fee (expense ratio) stays low compared with many active funds. Beginners who feel nervous about picking single names often like pairing VTI with one or two focused ideas for extra growth.

3. Schwab U.S. Dividend Equity ETF (SCHD)

Many small investors want cash flows, not just price moves. SCHD focuses on US companies with a history of paying and growing dividends. Analysts often highlight it as a popular dividend ETF with a solid track record.

If you like the idea of eventual passive income, SCHD can sit beside a growth fund like VOO or VTI. The yield changes over time, but it is usually higher than the S&P 500’s average dividend yield. Instead of chasing one high-yield stock that might cut its payout, you spread risk across many firms. On Cash App you can reinvest the dividends by manually adding more funds whenever payouts arrive.

4. Apple Inc. (AAPL)

Apple remains one of the largest companies in the world by market value and sits among widely recommended long term holdings. iPhone, iPad, Mac, Watch and a growing services business give it a deep ecosystem.

For Cash App investors, Apple is a classic “anchor” stock. It offers a small dividend, regular buybacks, and strong brand loyalty. You do not need a full share to get started. Buying a small fraction lets you participate while you study the business more deeply. Risks still exist, such as dependence on hardware upgrade cycles and competition in phones and services, so avoid making it your only holding.

5. Microsoft Corporation (MSFT)

Microsoft earns money across operating systems, Office subscriptions, cloud services and gaming. Its Azure cloud platform now sits as one of the leaders in global cloud infrastructure revenue.

The company also invests heavily in artificial intelligence, which many analysts expect to be a long term growth driver. For someone using Cash App, MSFT offers a blend of stability and growth. It pays a steady dividend and has a long record of profitability. As with Apple, you can buy a small slice regularly instead of trying to time the market. That slow, repeated approach reduces the stress of short term price swings.

6. Amazon.com Inc. (AMZN)

Amazon controls a large share of US online retail sales and runs AWS, one of the world’s largest cloud computing platforms. AWS profits often support the retail side, which still reinvests heavily in logistics and new services.

Amazon does not pay a dividend, so the story is mostly about long term growth. That also means bigger price swings. For Cash App users, AMZN fits in the “growth satellite” bucket.

7. Alphabet Inc. (GOOGL)

Alphabet, Google’s parent company, dominates search advertising and owns YouTube. It also runs a growing cloud business and invests in many experimental projects.

Because advertising can be cyclical, the stock sometimes falls hard during slowdowns. Yet over long periods, revenue growth has been strong, and the firm carries large cash reserves. For Cash App investors who want tech exposure beyond Apple and Microsoft, GOOGL is often one of the first tickers they study. Use fractional shares, watch earnings reports, and be ready for volatility. Treat it as a long term bet on online search and digital ads, not a short term trade.

8. Johnson & Johnson (JNJ)

Johnson & Johnson sits in healthcare and sells medicines, medical devices and consumer health products. The company has paid regular quarterly dividends for decades and currently offers a yield around the mid-2 percent range.

For a Cash App portfolio, JNJ can act as a defensive holding. Pairing a stock like JNJ with growth names such as Amazon or Alphabet helps balance your overall risk profile. Beginners who want exposure to healthcare without learning individual biotech stories often start with large, diversified firms like this.

9. JPMorgan Chase & Co. (JPM)

JPMorgan is the largest US bank by assets, with more than 3.4 trillion dollars on its balance sheet. It runs retail banking, credit cards, investment banking and asset management.

Bank stocks bring their own risks, such as credit losses during downturns and regulatory pressure. Still, a large, well capitalised bank can benefit when interest spreads and fee income remain healthy. For Cash App investors, JPM offers financial sector exposure plus a regular dividend.

Do not overload on banks, but holding one strong name can round out a portfolio that already includes tech, consumer and healthcare stocks. Always watch news on loan quality and regulation before adding more.

10. NVIDIA Corporation (NVDA)

Nvidia designs graphics processing units that now sit at the centre of the AI hardware boom. The company reported full year revenue of about 130.5 billion dollars for fiscal 2025, more than double the prior year, driven largely by data centre AI chips.

That growth comes with serious volatility. The stock can swing wildly on any shift in AI spending or competition news. On Cash App, NVDA should stay a small, high risk position, not a core holding. It suits investors who already have stable ETFs and blue chips and want a limited “innovation” slice.

FAQs – Top 10 Best Stocks to Invest in on Cash App with High Growth

What are the best stocks to invest in on Cash App right now?

There is no single list that fits everyone. Broad ETFs like VOO or VTI, plus well known names such as Apple or Microsoft, often sit on beginner shortlists because they spread risk and track the overall market. Your best picks depend on time frame, risk level and whether you prefer income, growth or a mix of both.

Is Cash App good for beginners who want to invest in stocks?

Yes, Cash App can work for beginners because you can buy fractional shares with very small amounts and pay no extra trading commissions. The key is to treat it as a serious brokerage account, use strong passwords, and build a diversified portfolio instead of chasing hype.

Can you buy fractional shares on Cash App?

Yes. Cash App lets you invest any dollar amount above one dollar in supported stocks and ETFs. You receive a fraction of a share that moves in line with the full share price. Dividends, if any, are also paid in proportion to your fraction.

How much money do I need to start investing on Cash App?

You can technically start with just a few dollars thanks to fractional shares, but many people aim for a regular monthly amount, even if it is small. A steady 20 or 50 dollars every month often teaches more discipline than one random 500 dollar deposit. Focus on consistency and diversification instead of chasing quick profits.

Is investing on Cash App safe and secure?

Cash App Investing LLC is a registered broker dealer, and customer securities are protected up to 500,000 dollars by SIPC if the broker fails, not against market losses. The app also uses standard encryption and security tools. You still need to enable two factor authentication and avoid sharing login details.