Many brokerages offer free stock-trading apps for investors who are just getting started. The best ones offer zero-commission trading, no (or low) account minimums and diverse investment options, plus an intuitive interface and top-notch customer service.

Robinhood needs more than AI right now.

While this approach works best for most people, there are two downsides: First, you can never outperform the index you're tracking. Second, it's a bit boring. So let's say you've decided to take the plunge into picking individual stocks.