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What is Acorns and how does it work?

Acorns Invest 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 Acorns automatically rebalances your portfolio to stay in its target allocation.

Acorns Later, our 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, our checking account and debit card, you can save, invest and earn while you spend. Acorns Spend has 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 to the next dollar, and invest your change. We transfer Round-Ups to your Acorns Invest account when they add up to at least $5 from all linked accounts.

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 of 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 index. 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.

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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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Investing involves risk including loss of principal. Please consider, among other important factors, your investment objectives, risk tolerance and Acorns pricing before investing. Past performance does not guarantee or indicate future results. Acorns reserves the right to restrict or revoke any and all offers at any time. 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. "Acorns" and "Invest the Change" are registered trademarks of Acorns Grow, Inc.