Invest for your future

Learn More About Investing

Ways to invest

Acorns Invest

The only micro-investing account that allows you to invest spare change. Set up in under 5 minutes and automatically add money to your diversified portfolio, originally designed with help from Nobel laureate, Dr. Harry Markowitz. More than $1 billion invested already!

Acorns Later

An easy, automated way to save for retirement. We recommend an IRA plan, then update it regularly to match your goals. Get started in under a minute and join more than 250,000 Acorns Later investors.

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What's a portfolio?

Define "Portfolio"

A portfolio is a select combination of investments, often stocks or bonds that you own.

Stocks & Bonds

Stocks are shares of ownership in a business. Bonds are a debt investment where an investor loans money to a business or government for a defined period of time and interest rate.

How to Create a Portfolio

To create a portfolio, tell us your financial situation and goals. With those answers, Acorns will recommend you a mix of ETFs that will become your portfolio.

What am I investing in?

Exchange Traded Funds

ETFs for short, are made up of broad holdings of stocks or bonds. Often, these ETFs replicate an asset class or index like the S&P 500 or Dow Jones Industrial Average.

Asset Classes

Asset classes represent certain categories or classes of stocks or bonds. Each ETF represents an asset class in your portfolio ranging from Large Companies to Real Estate.

Find and read our ETF prospectuses here.

Diversification is Key

When you invest in several different asset classes, it helps to smooth out any bumps when the market changes.

Today's Top Companies

Every dollar you invest is automatically diversified over 7,000 stocks & bonds. This is all possible due to Fractional Share Ownership in our portfolio ETFs.

Our Portfolios

Conservative

Short Term Government Bonds
Ultra Short Term Corporate Bonds
Ultra Short Term Government Bonds

Moderately Conservative

Large Co. Stocks
Small Company Stocks
Real Estate Stocks
Government Bonds
Corporate Bonds
International Large Co. Stocks

Moderate

Large Co. Stocks
Small Company Stocks
Emerging Market Stocks
Real Estate Stocks
Government Bonds
Corporate Bonds
International Large Co. Stocks

Moderately Aggressive

Large Co. Stocks
Small Company Stocks
Emerging Market Stocks
Real Estate Stocks
Corporate Bonds
Government Bonds
International Large Co. Stocks

Aggressive

Large Co. Stocks
Small Company Stocks
Emerging Market Stocks
Real Estate Stocks
International Large Co. Stocks

Who made these?

Created by Pros

Acorns portfolios are developed with help from Nobel Prize-winning economist, Dr. Harry Markowitz.

Built from Experience

Every Acorns portfolio has been structured with ETFs from well-known investment management companies.

How is Acorns different?

Automatic Everything

Make automatic daily, weekly & monthly investments. Every purchase you make can become an investment with Round-Ups. When your portfolio moves with the market, we’ll rebalance it to stay on track.

As Easy as 1, 2, 3

No minimums. No trade fees. Only $1 or $3 per month until you have $1 million invested. More here.

Help When You Need It

Our Support Team has advisors ready to help you navigate investing.

This website is operated by Acorns Advisers, LLC, an SEC Registered Investment Advisor.  Brokerage services are provided to clients of Acorns Advisers by Acorns Securities, LLC, an SEC registered broker-dealer and member FINRA.  Member of SIPC. Securities in your account protected up to $500,000. For details, please see https://www.sipc.org.

Important Disclosures:  Investing involves risk, including loss of principal.  Past performance does not guarantee or indicate future results.  Please consider, among other important factors, your investment objectives, risk tolerance and Acorns pricing before investing.  Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal.  It is not possible to invest directly in an index.  Any hypothetical performance shown is for illustrative purposes only. Such results do not represent actual results and do not take into consideration economic or market factors which can impact performance. Actual clients may achieve investment results materially different from the results portrayed. Round Up investments are transferred from your linked funding source (checking account) to your Acorns Invest account, where the funds are invested into a portfolio of selected ETFs.Only purchases made with a funding source linked to your Acorns account with the feature active are eligible for Round Up investments. Please note that a properly suggested portfolio recommendation is dependent upon current and accurate financial and risk profiles. Clients who have experienced changes to their goals, financial circumstances or investment objectives, or who wish to modify their portfolio recommendation, should promptly update their information in the Acorns app or through the website. Actual Found Money rewards investments are made by Acorns Grow, Inc. into your Acorns Invest account through a partnership Acorns Grow maintains with each Found Money partner.  Acorns Subscription Fees are assessed based on the tier of services in which you are enrolled.  Acorns does not charge transactional fees, commissions or fees based on assets for accounts under $1 million. Acorns Spend clients are not charged overdraft fees or maintenance fees and ATM fees are reimbursed.  Please see your Acorns Subscription Center or Account Statements for a description of the fees you pay to Acorns for its services.  Third Party Quotes shown may not be representative of the experience of Acorns customers and do not represent a guarantee of future performance or success.  Please click on each testimonial to review the context from which this quote was taken. Acorns reserves the right to restrict or revoke any and all offers at any time.

Investors should consider the investment objectives, risks, charges and expenses of the funds carefully before investing.  This and other information are contained in the Fund’s prospectus.  Please read the prospectus carefully before you invest.

Acorns also offers an Acorns Spend deposit account. Acorns Spend accounts are FDIC insured up to $250,000. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC for Acorns Spend account holders.  “Save and Invest" claim refers to a client's ability to utilize the Acorns Spend Instant Round-up feature to set aside small amounts of money from purchases made using an Acorns Spend account, and seamlessly investing those small amounts using an Acorns Investment account.  Requires both an active Acorns Spend account and an Acorns Investment account in good standing.  Instant Round-ups are accrued instantly for investment during the next trading window

For additional important risks, disclosures and information, please visit https://www.acorns.com/terms/