Retirement Account

Acorns Later

Automatically invest for retirement, and get potential tax benefits.

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Acorns Later Acorns Later
Included with Acorns Personal and Family subscriptions

Start saving and investing for retirement

In just a few minutes, get an IRA plan recommended for you and your long-term goals. Plus, receive potential tax advantages as you invest for your future.
WHY ACORNS LATER?
Easy retirement investing
Easy retirement investing
Easily manage your investments and Acorns Later account in one app.
Automatic Recurring Contributions
Automatic Recurring Contributions
Set up recurring investments. Try $5 a day.
Recommended for you
Recommended for you
Answer a few questions and we’ll recommend an IRA plan based on your current situation and long-term goals.
Potential tax benefits
Potential tax benefits
Take advantage of potential tax benefits by contributing to your Acorns Later account.
A fast & easy retirement account A fast & easy retirement account
A fast & easy retirement account
Purple Checkmark Sign up in minutes
Purple Checkmark Set up an IRA portfolio recommended for your long-term goals
Purple Checkmark Set easy, automatic Recurring Contributions
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Investing for retirement, made easy

By answering a few simple questions, we'll recommend a Roth, Traditional, or SEP retirement account that aligns with your long-term goals. 

Investing for retirement, made easy
Investing for retirement, made easy
Potential tax benefits Potential tax benefits
Potential tax benefits
Retirement planning doesn’t just benefit your life later. Start investing in your future to take advantage of potential tax advantages.
Age-based portfolios
With the goal of maximizing growth potential, your Acorns Later portfolio is automatically selected based on your age and timeline to retirement, and automatically adjusts as you age.
Age-based portfolios Age-based portfolios
Invest with Smart Deposit Invest with Smart Deposit Cross-section of tree stump Cross-section of tree stump
Invest with Smart Deposit
Acorns Smart Deposit automatically invests a piece of your paycheck for you into your Acorns Later account. It's built into Acorns Checking, and comes included with your subscription.
Purple Checkmark Invest a piece of every paycheck automatically
Purple Checkmark Pick how much to invest, starting at 1%, and change it any time
Purple Checkmark Allocate a percentage to your Invest, Later, and Early accounts

Frequently asked

What is Acorns Later?

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Acorns Later provides access to three types of Individual Retirement Accounts (IRAs) that offer customers an easy, automated way to save for retirement.

How much money do I need to open an Acorns Later account?

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Just as with our investment accounts, you can begin investing in your Acorns Later account with just $5!

How is my Acorns Later portfolio selected?

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Your Acorns Later portfolio is selected based on your age and the time until you reach age 69. 

 

Over time, Acorns adjusts your portfolio to help you stay on track toward your investment goals. For example, as you grow closer to retirement age, we may consider more conservative investments since your money may have less time in the market. 

 

In other words, we’ll automatically rebalance your portfolio as you age — all in the background of life!

Why should I invest in an IRA?

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An Acorns Later IRA can help you easily invest in yourself, while receiving potential tax advantages. For example, you may be able to defer some taxes until retirement or even pay less in taxes. 

 

To learn more about investing in an IRA plan, check out the articles below.

 

What is an IRA?

The Difference Between Roth and Traditional IRA

 

Already have an IRA? No problem. You can have more than one IRA. If you prefer to have them in one place, you can roll over your existing IRA to an Acorns Later IRA. Simply contact our support team for step-by-step guidance.

 

For informational and educational use only. This is solely intended to provide notification of an available product or service. This is not a recommendation to buy, sell, hold, or roll over any asset, adopt an investment strategy, or use a particular account type. This information does not consider the specific investment objectives, tax and financial conditions or particular needs of any specific person. Investors should discuss their specific situation with their financial professional.

Can I invest into Acorns Later if I’m contributing to a workplace retirement plan, like a 401(k)?

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Yes! You can contribute to a workplace retirement plan like a 401(k) and an IRA. You can also roll over an existing 401(k) to an Acorns Later IRA with help from our support team.

 

For informational and educational use only. This is solely intended to provide notification of an available product or service. This is not a recommendation to buy, sell, hold, or roll over any asset, adopt an investment strategy, or use a particular account type. This information does not consider the specific investment objectives, tax and financial conditions or particular needs of any specific person. Investors should discuss their specific situation with their financial professional.

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