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Acorns - Invest Spare Change from Everyday Purchases into a Diversified Portfolio

By Acorns

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Description

Acorns helps you save & invest spare change from your everyday purchases and invest into a diversified portfolio of stocks and bonds. You can easily get started in minutes: anytime, anywhere.

Featured in: TIME, The New York Times, ABC World News Tonight, Forbes, WIRED, Bloomberg, BusinessWeek, USA Today, and The Verge

· Smart Investing ·
Acorns makes it easy to invest regularly while optimizing your investment through diversification and automatic rebalancing. In other words, we give you an automated system to help you follow good principles of investing, like patience and diversification, without having to think about it.

· Bank Level Security ·
Your peace of mind is our highest priority. Acorns protects your information, prevents unauthorized account access, and notifies you of unusual activity.

· Simple Fees ·
Only $1/mo for accounts under $5,000 and just 0.25% per year for accounts $5,000 or more.

- Free for anyone under 24 and students (with .edu address)!
- Deposit & withdraw whenever you like - no additional fees.
- No fees for accounts with a $0 balance.

HOW WE INVEST

· Diversification ·
Instead of trying to pick individual stocks, Acorns diversifies your investment across hundreds of the most widely held U.S. and international companies, corporate bonds, government bonds, and real estate. By answering just a handful of questions about yourself, our proprietary technology can match you with a portfolio that is appropriately diversified for your goals and built to help smooth out the ride as stock prices fluctuate.

· Automatic Rebalancing ·
Acorns automatically rebalances your portfolio to mitigate risk and optimize returns. This means we keep your account in a target mix of stocks and bonds by buying more when they are cheaper and less when they are more expensive. Buy low, sell high.


Download Acorns now for FREE! There are no fees until you decide to invest and you can withdraw your money at any time without penalty.

See what the press has to say:

“The app makes investing effortless” - Forbes [1]

“If you set aside just $5 every couple of days, you would have set aside over a $1000 in a year.” - ABC World News Tonight [2]

“You can get started in minutes and use it to create a reasonably well-designed portfolio that allows you to add as little as $5 at a time.” - The New York Times [3]

"This could prove to be an inexpensive way of introducing young people to the world of investing at ages for which compound interest can become a powerful tool." -Bloomberg Businessweek [4]

"Young people may not have enough assets to meet the minimum requirements of big financial houses... With Acorns, there are no minimums. There are also none of the commissions that can render investing in small doses prohibitively expensive." -TIME [5]


This app 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, including the loss of principal. Please consider your objectives and Acorns fees before investing. Past performance does not guarantee future results. Investment outcomes and projections are hypothetical in nature.

Information about FINRA is available at www.finra.org. Explanatory brochures about SIPC insurance are available upon request or at www.sipc.org.

[1] http://www.forbes.com/sites/duncanrolph/2014/09/10/4-online-tools-to-manage-your-money-in-the-21st-century/
[2] http://abcnews.go.com/WNT/video/slow-steady-key-retirement-savings-28043857
[3] http://www.nytimes.com/2014/10/20/your-money/stocks-and-bonds/when-the-markets-get-noisy-invest-5.html
[4] http://www.businessweek.com/articles/2014-03-12/buying-a-2-dot-75-taco-this-app-invests-your-0-dot-25-change-in-the-markets
[5] http://time.com/money/3209096/app-help-you-save-spare-change/

What's New in Version 1.3.7

Thanks for using Acorns! Just like small contributions to your Acorns account can add up to something big, small improvements make the Acorns app better over time. This routine update includes a number of minor fixes and enhancements to help make Acorns faster and more reliable for you.

iPhone Screenshot

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Apple Watch

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Customer Reviews

Great App!!!

This app is GRRRREAT. If you can't come up with the minimum investments requirements that many Mutual Funds require, that's no longer a problem. For what amounts to pocket change, literally, you can now invest in a diversified portfolio of ETF. The model is good for both those who have very little to invest as well as those who do invest, but may have a few dollars at the margins that they would like to invest but find it may not be cost effective to do so. Currently, at a dollar a month the fees are high given my low balance. But as my balance grows those fees (on a percentage basis) will come down.

I've read a few comments that I find befuddling, like it takes a week to get your money when a withdrawal is made. Well, this is an investment account not a savings account; Acorn is acting as a broker, not a bank. Know the difference before you download and use the app. More importantly, treat any money you deposit using the app as money that you won't need in the intermediate to long term (2-5 years) or longer. I'll reiterate...this is an investment account. Any money you can't leave alone for that a least that amount of time should be deposited in a checking/savings account.

As an app that can be used to INVEST in securities there's nothing else better out there. Great job Acorn!!!

Forces you to save!

I have now used this app for 1 year as of today. I am 23 and was taking a personal finance class when I got the app. I have saved money before but if I have cash stored away or put it in a bank account it always evaporates. This app has forced me to save because of both round ups and setting up recurring weekly deposits. I will also put in roughly 20% of any profit I make from doing any odd jobs I find myself doing (college student). 1 year later and I have invested $800. I am currently down $75 (moderately aggressive portfolio & -$50 just this year because of the market) but I mostly use this app as a way to force myself to save. The round ups are magic. It doesn't take long for them to add up. I haven't withdrawn anything yet because I have been waiting for 1 year to roll around for it to become a long term asset so I can't comment on filing taxes with it. Overall it is a great idea, easy to use app that has improved a ton over the past year, and I highly recommend it to anyone!

Enjoying the learning curve

This is a great app to start saving and leaning about the market. I've been using it for almost a year and have some success with it. I have had to pull money out a few times since I'm a single income with the kids to take care of, but even having that buffer when necessary has been nice instead of having to rely on credit or start playing the bill-juggling game. With that being said, I wish it was compatible with Quicken software to be able to download my financial history and look at the gains and losses when I'm tracking the rest of my accounts. I feel like it would be a better investment learning curve for me if I could have that added benefit. (That was my reason for the lack of the 5th star). But outside of that, I like the app and I like that the investments are solely in mutual funds... It feels safer that way. I have referred some of my friends to it as well and they have started using it. Great job Acorns for helping the little guys (and gals) out with starting a habit of investing and literally saving your penny's.

Acorns - Invest Spare Change from Everyday Purchases into a Diversified Portfolio
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Offers Apple Watch App for iPhone
  • Free
  • Category: Finance
  • Updated:
  • Version: 1.3.7
  • Size: 27.7 MB
  • Apple Watch: Yes
  • Language: English
  • Seller:

Compatibility: Requires iOS 7.0 or later. Compatible with iPhone, iPad, and iPod touch.

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