Investment Account

Acorns Invest

Easy, automated investing, starting with spare change.

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Contributions

Annual

Monthly

Weekly

Daily

Potential Future Balance:

$XX,XX5

The chart shows an estimate of how much an investment could grow over time based on the initial deposit, contribution schedule, time horizon, and interest rate specified. Changes in those variables can affect the outcome. Reset the calculator using different figures to show different scenarios. Results do not predict the investment performance of any Acorns portfolio and do not take into consideration economic or market factors which can impact performance.

SAVE & INVEST EVERY DAY

Smart
investing made Acorns-easy

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Save and invest in the background of life

Acorns puts investing on autopilot. Sign up in minutes, we’ll recommend an investment portfolio for your money goals, and you can set automated investments starting with spare change.

WE MAKE IT EASY

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Invest your spare change with Round-Ups®

Link all of your credit or debit cards

We’ll set aside your spare change from every purchase

And invest the change once it reaches at least $5

Learn More

Invest your spare change with Round-Ups®

Automatic Recurring Investments

Set your recurring investments and make a habit out of investing. Try $5 a day.

Automatic Portfolio Rebalancing

We'll adjust your Base portfolio as needed to help keep your allocations on track with your long-term money goals.

Automatic Dividend Reinvesting

If you receive dividends (payouts) from your investments, they are automatically reinvested.

WHAT AM I INVESTING IN?

Highly-rated ETFs

Acorns expert-built portfolios contain Exchange Traded Funds, or ETFs. They're like baskets of different investments, including stocks and/or bonds, and come with benefits like diversification, lower costs, and potential tax efficiency.

Read our ETF prospectuses

A diversified mix of stocks and bonds

Diversification means your investments are exposed to a broad range of stocks, bonds, or both — possibly over 7,000! This can help reduce your risk, compared to trading individual stocks.

Invest in today’s top companies

When you invest in Acorns ETF portfolios, there’s a good chance a portion of your investment is in some of the world’s largest and most successful companies, including names like Apple, Amazon, Google, and Berkshire Hathaway.

Mentions of individual top companies in reference to possible ETF holdings only, not as a recommendation to buy or sell any specific security.

Built by experts

Acorns diversified portfolios are built by experts and include ETFs managed by pros at the world’s top investment firms like Vanguard and BlackRock.

Security & Protection

Acorns Invest, Later & Early accounts are SIPC-insured up to $500,000. SIPC does not protect against market risk, which is the risk inherent in a fluctuating market. For details, please visit www.sipc.org.

Diversified by us - Customized by you - Diversified by us - Customized by you - Diversified by us - Customized by you -

Diversified by us.
Customized by you.

Custom Portfolios is our newest investing tool that lets you add individual stocks and ETFs to your already diversified portfolio. Use it to gain more control over your investing, and level up your knowledge with in-app guidance every step of the way.

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How Custom Portfolios work

When you create a Custom Portfolio, your overall Acorns Invest portfolio gets split in two: your Base Portfolio and your Custom Portfolio.

Diversified by us.

Your Base Portfolio is the same portfolio Acorns investors have always relied on to grow their oak — built by Acorns’ experts, and designed for long-term investing.

You can think of it as a strong foundation that helps your overall Acorns investments stay diversified, balancing out the individual stocks or ETFs you’re looking to invest in.

Customized by you.

Your Custom Portfolio can make up to 50% of your total Acorns Invest portfolio. Here, you’ll choose the companies or ETFs you’d like to invest in, and decide how much of your overall portfolio you’d like each to make up.

Adding stocks and ETFs to add to your portfolio lets you take a more active approach to your investing. As as you learn by doing, you’ll start to better understand how investing and portfolio building works.

Give your money a chance to work as hard as you do

Your Potential is a hypothetical tool that illustrates, how factors such as Recurring Investments (amount and frequency), Round-Ups® investments, Smart Deposit investments, and compound returns may impact the long-term value of an Acorns Account. The tool uses a 6% hypothetical rate of return and hypothetical age range dependent on age band selected by the user. Compounding is the process in which an asset’s earnings are reinvested to generate additional earnings over time. Acorns clients may not experience compound returns and investment results will vary based on market volatility and fluctuating prices.

Harness the power of compounding

Money doesn’t grow on trees. But with compound returns, money can grow on itself. It’s a long-term investing principle foundational to how Acorns can work for you.

View your performance in real time

See how your portfolio is doing today or over time, and view your account value breakdown.

Banking + investing all in one app

Claim a checking account with a debit card that automatically saves and invests for you.

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Frequently asked

Where is my money invested?

There are five different Acorns Core portfolios and four different Acorns ESG Portfolios, built by experts. Each portfolio is composed of exchange-traded funds — ETFs for short. An ETF is made of broad holdings of stocks and/or bonds. Depending on your portfolio, you’re invested in a mix of companies, markets, and bonds—and if you choose, a Bitcoin-linked ETF. The overview or prospectuses of the ETFs can be found below:

If you have any other questions, feel free to reach out to us here.

How do I choose an Investment Portfolio?

Acorns will recommend a portfolio for you based on your age, time horizon, income, goals, and risk tolerance. Our ETF portfolios range from aggressive (all stocks) to conservative (all bonds), with a mix in between.

You may switch portfolios after registration without a charge or penalty from Acorns. However, changing portfolios with any investment account may cause a taxable event.

What should I consider when the market is down?

Your Acorns portfolio is designed with the goal of weathering the stock market’s normal ups and downs. This is why your Acorns portfolio is diversified, or composed of lots of different things. When some things are down, others may be up, to help balance your performance over time.

Remember: The stock market can be volatile, but every U.S. market downturn in history has ended in an upturn. Past performance does not guarantee future results.

To learn more, check out the articles below.

What is Market Volatility

How to Invest in a Volatile Market

Investing in a Recession

What are ESG Portfolios?

Acorns ESG portfolios are composed of Exchange Traded Funds (ETFs) that invest in companies rated for how they approach environmental, social, and governance issues. This is their Morgan Stanley Corporate International (MSCI) ESG rating.

MSCI ESG ratings are a comprehensive measure of a company’s long-term commitment to socially responsible investments (SRI) and environmental, social and governance (ESG) investment standards. In particular, the MSCI ESG ratings focus on a company’s exposure to financially relevant ESG risks.

To explore Acorns ESG portfolios, visit your Invest screen, tap Portfolio, and scroll to “Theme.”

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