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What is Acorns and how does it work?

Acorns Core automatically invests your spare change and lets you invest as little as $5 any time or on a recurring basis into a portfolio of ETFs. Your investments are then diversified across more than 7,000 stocks and bonds and automatically rebalanced when the market fluctuates.

Acorns Later, their IRA account, lets you automatically save for retirement by setting easy Recurring Contributions. When you sign-up, the app recommends the right IRA for you based on your goals, employment, and income.

With Acorns Spend, their checking account and debit card, you can save, invest and earn while you spend. Acorns Spend introduces Real Time Round-Ups and Found Money Plus, and offers no overdrafts or minimum balance fees, plus free or fee-reimbursed ATM access nationwide.

Check out this video for more about how Acorns works.

About Round-Ups and Investing

With Round-Ups, we round up any purchase made from a linked account debit or credit card, or your PayPal wallet, to the next dollar, and invest your change. We transfer Round-Ups from your Acorns Core account when they add up to at least $5 from all linked accounts. Round-Ups from your Acorns Spend account are invested in real time.

Round-Ups will always be transferred from your Funding Source, or personal bank account.

Recurring Investments allow you to invest as little as $5 per day, week or month into your Acorns accounts.

And you can make one-time Investments anytime to boost your account value. When you create your profile, we'll suggest a portfolio based on your answers to a few questions, but you can change it anytime. Your portfolio recommendation is designed to maximize your potential return for your given level or risk.

Where do we invest it? The money in your Acorns account is invested in six different Exchange Traded Funds (ETFs). These funds include stocks, bonds and other securities, and try to mimic the performance of an exchange. Read more about it at Acorns.com/Invest.

What makes Acorns different?

Our five investment portfolios were designed to maximize your returns for your given level of risk. There are no account minimums and we don't work on commission. Our goal is to give you the tools to take the best financial care of you, automatically.

For our low monthly fee, you get—

  • Diversified portfolios
  • Automatic rebalancing
  • Access to Found Money partners to earn while you shop
  • On the go accessibility through our mobile and web app
  • Investment support from our dedicated Support Team Access to Acorns Later, the easiest way to save for retirement
  • Access to Acorns Spend, the only debit card that saves, invests and earns for you

The path to financial wellness should be accessible to everyone, so we make it easy to invest in you. With Acorns, you can start early and invest often, without making big changes to your everyday life. In fact, you can start with as little as $5.

This website is operated by Acorns Advisers, LLC, an SEC Registered Investment Advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, an SEC registered broker-dealer and member FINRA/SIPC. Investments are not FDIC insured and may lose value. Investing involves risk and investments may lose value. Please consider your objectives and Acorns pricing before investing. Past performance does not guarantee future results. Investment outcomes and projections are hypothetical in nature. Limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved. To be eligible for the reward, the person you refer must use your personal invitation code when they sign up. Acorns reserves the right to restrict or revoke this offer at any time. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. "Acorns" and "Invest the Change" are registered trademarks of Acorns Grow, Inc.