Updated February 11, 2020

The Acorns’s application and website are operated by Acorns Advisers, LLC (“Acorns Advisers”), an investment adviser registered with the U.S. Securities and Exchange Commission (“SEC”). Brokerage and custody services are provided to clients of Acorns Advisers by Acorns Securities, LLC (“Acorns Securities”), a broker-dealer registered with the SEC and a member of the Financial Industry Regulatory Authority, Inc. (“FINRA”) and the Securities Investor Protection Corporation (“SIPC”). Acorns Pay, LLC (“Acorns Pay”) manages Acorns’s demand deposit and other banking products in partnership with Lincoln Savings Bank, a bank chartered under the laws of Iowa and member FDIC. Acorns Advisers, Acorns Securities, and Acorns Pay are subsidiaries of Acorns Grow Incorporated (collectively “Acorns”) and Acorns is solely responsible for the application and website content.

Acorns Advisers is federally-registered investment adviser and qualified to conduct advisory business in all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands. The Acorns Application and website, and related investment advisory services, are only offered to United States legal residents or citizens that currently reside in the United States. Exceptions are made for active Armed Services personnel that maintain a U.S. address and are temporarily overseas in connection with their service. Investment services are offered only to persons within its respective jurisdiction, and are not available to persons where provision of such products or services is unauthorized. Any information provided on this site and within the application is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use is contrary to local law or regulation.

Acorns demand deposit bank accounts are established with Lincoln Savings Bank. Each Acorns demand deposit bank account includes an Acorns Visa™ debit card, which is issued by Lincoln Savings Bank. Application for and use of Acorns demand deposit bank accounts is subject to the approval of Lincoln Savings Bank, and subject to certain disclosures, terms, and conditions of Lincoln Savings Bank.

Non-Deposit Products:

Investments described on this website are NOT FDIC INSURED nor are they insured by any other governmental agency or instrumentality. Investments on this website MAY LOSE VALUE and they are not obligations, guarantees and are NOT BANK GUARANTEED.

Investment Risks:

All investments involve risk, including loss of principal. Any references to past performance, regarding financial markets or otherwise, do not indicate or guarantee future results. Forward-looking statements, including without limitations investment outcomes and projections, are hypothetical and educational in nature. The results of any hypothetical projections can and may differ from actual investment results had the strategies been deployed in actual securities accounts. Prospective investors should consult their own financial and legal advisors about risks associated with securities and the suitability of investing in such securities.

Investing in the bond market is subject to risks, including market, interest rate, issuer, credit, inflation risk, and liquidity risk. The value of most bonds and bond strategies are impacted by changes in interest rates. Bonds and bond strategies with longer durations tend to be more sensitive and volatile than those with shorter durations; bond prices generally fall as interest rates rise, and the current low interest rate environment increases this risk. Current reductions in bond counterparty capacity may contribute to decreased market liquidity and increased price volatility. Bond investments may be worth more or less than the original cost when redeemed.  Investing in the bond market is subject to certain risks including the risk that fixed income securities will decline in value because of changes in interest rates; the risk that fund shares could trade at prices other than the net asset value; and the risk that the manager's investment decisions might not produce the desired results. 

Equities may decline in value due to both real and perceived general market, economic and industry conditions. Equities may decline in value due to both real and perceived general market, economic and industry conditions.; the risk that fund shares could trade at prices other than the net asset value; and the risk that the manager's investment decisions might not produce the desired results.

Investing in foreign-denominated and/or -domiciled securities may involve heightened risk due to currency fluctuations, and economic and political risks, which may be enhanced in emerging markets.

Disclosures Related to Exchange Traded Funds:

Exchange Traded Funds (“ETF”) are afforded certain exemptions from the Investment Company Act. The exemptions allow, among other things, for individual shares to trade on the secondary market. Individual shares cannot be directly purchased from or redeemed by the ETF. Purchases and redemptions directly with ETFs are only accomplished through creation unit aggregations or “baskets” of shares. Shares of an ETF are bought and sold at market price (not Net Asset Value, “NAV”).

Current holdings are subject to risk. Holdings are subject to change at any time. An investment in an ETF involves risk, including the loss of principal. Investment return, price, yield, and NAV will fluctuate with changes in market conditions. Investments may be worth more or less than the original cost when redeemed. ETFs are subject to secondary market trading risks.

Shares of an ETF may trade on an exchange at prices at, above, or below their most recent NAV. The NAV represents the value of each share’s portion of the ETF’s underlying assets and cash at the end of the trading day. The per-share NAV of an ETF is calculated at the end of each business day. The trading prices of an ETF's shares fluctuate continuously throughout the trading day based on market supply and demand, which may not correlate to NAV. The trading prices of an ETF's shares may differ significantly from NAV during periods of market volatility, which may, among other factors, lead to the ETF’s shares trading at a premium or discount to NAV.

Investment policies, management fees and other information can be found in the individual ETF’s prospectus. Please read the prospectus carefully before you invest.

Investors should consider the investment objectives, risks, charges and expenses of each fund carefully before investing. This and other information are contained in each Fund’s prospectus, which may be obtained by clicking on the links below. Please read each prospectus carefully before you invest.

Vanguard 500 Index Fund ETF


Vanguard Small-Cap Index Fund ETF


Vanguard REIT Index Fund ETF


iShares 1-3 Year Treasury Bond ETF


iShares iBoxx $ Investment Grade Corporate Bond ETF


Vanguard FTSE Developed Markets Index Fund ETF


Vanguard Emerging Markets Stock Index Fund ETF


JPMorgan Ultra-Short Income ETF


Goldman Sachs Access Treasury 0-1 Year ETF


SPDR® Bloomberg Barclays 1-3 Month T-Bill ETF


iShares Short Treasury Bond ETF


iShares Ultra Short-Term Bond ETF


*as of February 11, 2020

No Offer or Solicitation:

The contents of the website are provided for information purposes and do not constitute an offer to sell or a solicitation to buy securities. The information provided herein is not directed to any investor or category of investors and is provided solely as general information about our products and services and to otherwise provide general investment education. No information contained herein should be regarded as a suggestion to engage in or refrain from any investment-related course of action as Acorns is not providing investment advice or giving advice in a fiduciary capacity. Acorns is not engaged in rendering any tax, legal, or accounting advice. Please consult with a qualified professional for this type of advice. References to specific securities and their issuers or other investments are not intended and should not be interpreted as recommendations to purchase, sell or hold such securities or other investments.

Website Subject to Change:

Acorns reserves the right to amend or revise any information or documents contained on this website at any time without notice. The information and documents contained on this website relate only to the dates indicated therein and may not be accurate as of any subsequent date. Acorns does not undertake any obligation or assume any responsibility to update any such information.

No Liability

In no event shall Acorns, its respective affiliates, directors, officers, registered representatives, or employees, be liable for any damages of any kind (including, without limitation, special, incidental, indirect, or consequential damages) on any theory of liability arising out of or in connection with the use of any information on this website.

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