These apps are great for early-stage, short term investors, even though they will tend to work out more costly in the long run. As such, they tend to be directed at young Gen X and the emerging Gen Z markets - and here’s where Peaks has smartly distinguished itself from competitors like Stash and Acorn. Peaks is a values-driven app which only permits investments in sustainable ETFs. This is likely to play well with the younger generations, who expressly seek out brands and companies with the kind of eco-friendly ethos that aligns with their beliefs.