How does Acorns work?

Acorns is a saving and investing app that makes investing easy. Unlike other investing apps where you pick and choose stocks you want to invest in, Acorns does that for you by recommending a diversified, expert-built investment portfolio of ETFs designed for long term investing.

Investing with Acorns

Investing with Acorns means unlocking a full suite of investing tools that can help you reach your financial goals — no matter what stage of life you’re in. Whether you’re looking to invest for your future or your family’s future, Acorns has you covered. 

• Acorns Invest – Personal investing account 

  • Your expert-built, diversified investment account, where you can invest spare change through Round-Ups®, and set easy Recurring Investments. 

• Acorns Later – Retirement Account

  • Your easy retirement account, where you can start with just $5 and get potential tax advantages as you invest. 

• Acorns Checking – All-digital banking 

  • Your smart checking account that can invest while you spend, and invest a piece of every paycheck automatically.  

• Acorns Early – Investment account for kids 

  • Your investment account for the kids in your life. See potential tax advantages, and invite friends and family to invest, too.

• Round-Ups® – Invest with your spare change 

  • An Acorns feature that automatically invests your spare change into your Acorns Invest account. 

• Emergency Fund – Prepare for the unexpected 

  • Automatically save a small piece of every paycheck for those unexpected rainy days. 

Starting your investing journey

There’s no one right way to invest. But there are time-tested principles for investing that Acorns is built on — making it a great place to get started.

• It’s about time in the market, not timing it. 

  • On average, the US stock market has grown an average of 10% every year for the past 100 years. Investing early and investing often can let your money take full advantage of time and the stock market. 

• “Compound interest is the 8th wonder of the world.” 

  • Money doesn’t grow on trees, but with compound interest or compound returns, money can grow itself. The longer you invest with Acorns, the more you’re giving your money a chance to work for you. Try our compound interest calculator to see for yourself! Learn more. 

• Diversify, diversify, diversify. 

  • Investing in a bunch of different companies helps make sure you don’t put all your eggs in one basket. Acorns’ expert-built portfolios does the diversifying for you, helping you lessen risk as you invest. 

• From Acorns mighty oaks do grow. 

  • Contrary to popular belief, you don’t need a lot of money to start investing. With Acorns, you can set Recurring Contributions to automatically invest with as little as $5 a day, week, or month. Or, you can link a debit/credit card with Acorns and turn on Round-Ups® to invest your spare change. 

Sign up for Acorns to start investing at your own pace. Let’s grow your oak! 

The Emergency Fund is a non-interest bearing demand deposit bank account.