Acorns

3.8(1.500 reviews)

Micro-investing app: automatically invest spare change and save

SEC/FINRA RegulatedSince 2012

Trust Score

Very Good

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* External link. BeInOptions receives no compensation from this broker. All information is for educational purposes only and does not constitute investment advice.

0 $

Min. Deposit

Instruments

SEC/FINRA

Regulation

Platforms

Key Features

ETF Portfolios

ETF Portfolios trading available

Individual Stocks

Individual Stocks trading available

Bonds

Bonds trading available

Bitcoin ETF

Bitcoin ETF trading available

Acorns App

Trading Platform

Advantages

Round-up feature invests spare change automatically
Ideal for beginners and passive investing
Integrated retirement planning and kids accounts

Disadvantages

Monthly fees relatively high for small portfolios
Very limited investment options
Only available for US customers

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* External link. BeInOptions receives no compensation from this broker. All information is for educational purposes only and does not constitute investment advice.

About Acorns

Acorns was founded in 2012 in Irvine, California, and popularized the concept of micro-investing. The basic idea is compellingly simple: everyday card payments are rounded up to the nearest dollar, and the spare change is automatically invested in a diversified ETF portfolio. Acorns is regulated by SEC and FINRA and counts over 10 million users. The Acorns ecosystem includes several products: Acorns Invest for automatic micro-investing, Acorns Later for retirement planning (IRA accounts), Acorns Early for kids' accounts, and Acorns Checking as a bank account with debit card. The Found Money program allows earning additional investments when shopping with partners like Nike or Walmart. Acorns targets absolute beginners who want to start investing with small amounts without prior knowledge. The app takes all investment decisions away from the user and automatically invests in one of five predefined ETF portfolios based on risk tolerance. However, the monthly fees of $3–$9 can be proportionally high for very small portfolios.

Acorns FAQ

How does the round-up feature work at Acorns?

The round-up feature rounds up every card payment to the nearest dollar and automatically invests the difference. For example, if you buy a coffee for $3.50, $0.50 is automatically invested. Round-ups accumulate and are automatically invested in your portfolio once they reach $5.

Is Acorns worth it for small amounts?

For very small portfolios (under $500), monthly fees of $3–$9 can be proportionally high. Acorns is more worthwhile when regular deposits are made and the portfolio grows. For portfolios over $5,000, fees are relatively moderate.

What does Acorns invest in?

Acorns invests in diversified ETF portfolios that include stocks, bonds, and real estate ETFs. Depending on risk profile, users can choose between five portfolios: from conservative to aggressive. Additionally, there are Bitcoin ETF options and individual stock selection.

Strategies × Top Stocks