Editorial illustration about the state of smart-phone investing. Robinhood sure is entertaining. But it’s also steering investors toward risky behaviors that could go wrong. Even so, the app at the center of meme-stock frenzy now wants your retirement money. Robinhood is trying to get users to do more than day trade. It is looking more like a financial supermarket, offering retirement accounts, 24-hour trading and higher yields on customers’ cash.