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Acorns - Invest Spare Change into Stocks

By Acorns

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Acorns is an app, FREE to download, that invests your spare change from everyday transactions into your very own diversified portfolio. You can easily get started in minutes: anytime, anywhere.

· Intelligent Investing ·
A simple and intelligent automatic investment system not only helps you invest regularly but also optimizes your investment through diversification and automatic rebalancing. In other words, we buy low and sell high without you having to keep an eye on things.

· 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.

· Low Fees ·
No commissions, ever. It’s always free to move your money into and out of Acorns. Using Acorns for a year costs less than what most traditional brokerages charge for just two trades.

*Once you invest, Acorns is only $1 per month for accounts under $5,000 and 0.25% of the account balance per year for accounts of $5,000 or more.
* And now, Acorns is completely free for students and anyone under the age of 24. See details at


· Diversification ·
Acorns seeks to maximize expected returns for a given amount of risk by carefully diversifying across multiple asset classes. The mathematical framework used for this diversification is called Modern Portfolio Theory.

· Automatic Rebalancing ·
Acorns automatically rebalances your portfolio during market fluctuations to mitigate risk and optimize returns.

· Low Cost ·
Acorns invests in low cost ETFs and passes these savings on to the users in the form of low management fees. Using Acorns for a year can cost less than some traditional brokers charge for two trades.

Download Acorns now for FREE! Charges do not apply until you decide to invest. You can always choose to withdraw anytime with no fees.

See what the press has to say:

"Acorns could radically change the narrative of this generation, transforming them from post-recession conservatives to savvy financial risk takers." - WIRED

"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

"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

What's New in Version 1.2

- Improved the display of numbers throughout the app
- Improved the experience for fixing a broken Round-Up connection
- Improved the WatchApp display for new accounts
- Improved the loading of the History screen
- Other bug fixes and improvements

iPhone Screenshot

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Apple Watch

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Customer Reviews

Brilliant idea, very good app, suboptimal performance

The idea is frankly brilliant and represents an excellent way to invest very small amounts "painlessly". The app is aesthetically pleasing and very easy to use, but could use some improvements (mostly a more detailed, transparent, and lengthy app "history" rather than just a nice graph of the last 30 days).

Unfortunately the actual portfolio doesn't perform nearly as well. I've had it for almost a year now and have made zero withdrawals; during that time I've had +1.5% in dividends (which were reinvested), -1.9% in fees, and -1.8% in "net losses". So a net of -0.3% (or -2.2% with fees); as a reference during the same period the Dow Jones Industrial Average yielded approx +4.9%. Fees would be less if my account were over $5,000 but I feel that defeats the purpose of the app (plus performance of the portfolio itself would still be suboptimal).

So unfortunately, great idea, good app, poor investment portfolio. I guess it may be time to try something else...

Great app for young investors

Where Acorns really shines is its ability to teach young investors the importance of saving money and helps them do it without any thought on their part. It's really for novice investors or those who aren't very familiar with the process. There are no fees for students which should be better advertised. That's a great deal - Acorns is making absolutely nothing on them but helping them build their wealth from a young age. If you aren't a student and want to start investing in Acorns, I'd recommend putting in a lump sum of about $1000 otherwise the $1/month fees will eat up any of your returns.

Most people giving this app 1 star either have $50 invested and expect to double it immediately or don't understand risk-mitigating portfolio allocations/modern portfolio theory.

One thing I would like to see is the ability to create your own allocations with the ETFs Acorns so I could move the securities with greater tax implications to my Roth IRA (think REITs and dividend payers).

Overall great app and does exactly what it says it does. Unfortunately it gets low ratings from those who don't understand investing is a long-term process.

Not the best if you actually want to make money

I have been "investing" for about 6 months now and have not made a single dime. I know it is the stock market but I have friends who use other free trading apps and their results are much more promising. The idea is essentially good: minimal thought, maximum results. However, this is not the case. Week after week I check in, and see my negative number growing. I initially thought, "Hey, can't be worse than a savings account. At least I'll make a little more than that." The graph that shows how much I'll make in X-amount of years is unrealistic. I know it is investing and nothing happens overnight so I guess we'll wait and see how accurate they are in a year, but so far this thing is just draining my money.

Acorns - Invest Spare Change into Stocks
View In iTunes
Offers Apple Watch App for iPhone
  • Free
  • Category: Finance
  • Updated:
  • Version: 1.2
  • Size: 21.2 MB
  • Apple Watch: Yes
  • Language: English
  • Seller:

Compatibility: Requires iOS 7.0 or later. Compatible with iPhone, iPad, and iPod touch. This app is optimized for iPhone 5, iPhone 6, and iPhone 6 Plus.

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