Acorns - Invest & save money

Acorns is your go-to app for investing and saving towards your future. With over $4 billion invested through Round-Ups® and growing, we are the ultimate platform for investing and money-saving. It only takes minutes to set up and let your money blossom.

Invest, save, learn, and flourish with Acorns.

+ MIGHTY OAK DEBIT CARD - Unlock the potential of your money with the exclusive Mighty Oak Visa debit card by Acorns and Dwayne Johnson. Enjoy unique benefits: Earn 3.00% - 5.00% APY on your funds and tailor your distinctive limited edition tungsten metal Mighty Oak card.

+ INVEST FOR TOMORROW - Your funds are automatically diversified and invested in ETF portfolios carefully crafted by experts tailored to your needs. You can further customize your investments by linking to a Bitcoin ETF and creating a Custom Portfolio to invest in top public US companies.

+ INVEST THE CHANGE® - Seamlessly invest your spare change every time you make a purchase using Round-Ups®.

+ INVEST IN YOUR CHILDREN'S FUTURE - Kick-start your children's financial futures with Acorns Early, an investment account under UTMA/UGMA for kids.

+ TEACH YOUR KIDS MONEY MANAGEMENT SKILLS - Cultivate your children's financial literacy with the GoHenry debit card and educational app designed specifically for them. Kids receive their own debit card, while parents can set spending limits, monitor kids' spending in real-time, and instantly transfer funds to their accounts. Valued at up to $9.98/month, GoHenry is part of Acorns Premium.

+ INVEST FOR RETIREMENT - Secure your retirement nest egg with our straightforward IRA investment options, including SEP, Traditional, and Roth plans.

+ EARN REWARDS - Access exclusive deals and receive bonus investments from over 15,000 brands. Earn enticing referral bonuses for a limited time up to $1,200.

+ EXPAND YOUR FINANCIAL KNOWLEDGE - Tailored financial literacy material available directly on your app. Learn about wealth growth, investment and savings strategies, and more.

MISSION: Upholding benevolence and courage, we safeguard the financial well-being of aspiring individuals, starting with the empowering step of micro-investing.

INVESTMENT PHILOSOPHY: Leveraging the proven advantages of compounding, diversification, and long-term commitment to foster sustainable growth of your funds.

SUPPORTED BY: Backed by investors such as Blackrock, PayPal, Dwayne Johnson, and Ashton Kutcher.

SECURITY: Acorns Securities, LLC is a proud SIPC member ensuring protection of securities in your account up to $500,000. Acorns checking accounts are FDIC-insured up to $250,000 by Lincoln Savings Bank or nbkc bank, Members FDIC, along with fraud protection, 256-bit data encryption, and digital card lock for added security. For more information on how FDIC protection works, visit www.fdic.gov.

SUBSCRIPTIONS

Our offerings come in subscription packages tailored to meet your needs, consolidating products and education. There are no hidden costs or transaction fees — just a clear monthly payment to kickstart the growth of your financial oak tree.

Acorns Personal ($3/month): Investment tools to initiate your financial journey, featuring Round-Ups®, a professionally curated diversified portfolio, a retirement account, a checking account that saves and invests on your behalf, and much more.

Acorns Personal Plus ($5/month): Everything encompassed in Acorns Personal, plus an Emergency fund, chances to have your bonus investments matched by Acorns, access to courses & videos to enhance your financial knowledge, and live Q&A sessions with investment experts.

Acorns Premium ($9/month): All features from Acorns Personal Plus are included along with investment accounts for your children, the GoHenry debit card and educational app for kids, capability to add individual stocks to your already diversified portfolio, a $10,000 life insurance policy, a complimentary Will, and additional benefits.

How to Start Investing with Acorns

There are a few options. And, if you’ve never invested before, it can be confusing. So, let’s go through the two basic steps to help you get started! 

Deposit money into your account

When you first open your account, your balance will be $0. So, the first step is transferring funds from your linked bank account.

To do that, you’ll click on the button that says “One-Time” at the top of the app. Then, you can choose how much money want to invest, with a minimum of $5. 

It may take 1-3 business days for the money to appear in your Acorns account. You can also choose to set up a recurring deposit so that money regularly transfers from your bank account to your Acorns investment account.

Final Thoughts

Overall, Acorns may be a good way for college students and young adults to get started with investing. It’s easy to use and low cost, making it a great investment tool for beginners.

However, there are some drawbacks — the main one being the subscription fees, which can eat away at a low investment balance. You’re also not able to purchase individual stocks on Acorns

That being said, Acorns’s round-up to the nearest dollar feature and automatic investments are great if you want a hands-off approach to investing over time. So, if that’s what you’re after, sign up today to open an Acorns investment account.