How Micro-Investing Works Micro-investing apps allow you to automatically invest small amounts of money in stocks, even if you know absolutely nothing about the stock market . They funnel your extra cash into portfolios of stocks that they craft for you. Your investment money is typically used to buy “exchange traded funds,” or ETFs. These funds helpfully spread your risk around by buying up shares in dozens or even hundreds of different companies. Don’t worry, you don’t have to suddenly start following the stock market. You don’t have to watch CNBC or read The Wall Street Journal. You can continue binge-watching “House Hunters” or “Cupcake Wars” if you like. Why Millennials Like Micro-Investing Here’s another plus: You don’t need much money to start micro-investing. Heck, you can launch this baby with five bucks if you want. The idea is to get you to start investing. You’ve probably heard that Americans aren’t saving enough for ...