Acorns: Invest Spare Change app for iPhone and iPad

4.2 ( 9232 ratings )

Productivity Finance
Developer: Acorns Grow Incorporated

Free

Current version: 4.65.0, last update: 1 year ago
First release : 26 Aug 2014
App size: 388.64 Mb

Acorns helps you invest and save for your future. With nearly $4,000,000,000 in Round-Ups® invested and counting, we are an ultimate investing & money-saving app. Get started in minutes, and give your money a chance to grow.

Invest, save, learn, and grow with Acorns.

+ MIGHTY OAK DEBIT CARD - Give your money a chance to grow with the Mighty Oak Visa debit card by Acorns and Dwayne Johnson. Exclusive perks: Earn 3.00% or 5.00% APY on your money, and personalize your limited edition, tungsten metal Mighty Oak card.

+ INVEST FOR YOUR FUTURE - Your money is automatically invested into one of our diversified, ETF portfolios, built by experts and recommended for you. Plus, personalize your investments with a Bitcoin-linked ETF and a Custom Portfolio, which allows you to invest in stocks from the top 100+ public US companies.

+ INVEST THE CHANGE® - Invest spare change each time you make a purchase with Round-Ups®.

+ INVEST FOR YOUR KIDS - Start investing for your kids’ futures with Acorns Early, an UTMA/UGMA investment account.

+ TEACH YOUR KIDS MONEY SKILLS - Grow your kids’ money skills with the GoHenry debit card and learning app made just for them. Kids get their own debit card, parents can set spending limits, get real-time notifications when kids spend, and instantly send money to kids’ accounts. Valued at up to $9.98/mo, GoHenry is included in Acorns Premium.

+ INVEST FOR RETIREMENT - Save with an Acorns Later retirement account, and get a 3% IRA match on new contributions with Acorns Premium.

+ EARN REWARDS - Shop 15,000+ brands and receive bonus investments and exclusive deals from your favorite brands. Earn limited-time referral bonuses of up to $1,200.

+ GROW YOUR KNOWLEDGE - Custom financial literacy content right in your app. Learn how to grow your money, investment & savings strategies, and more.

MISSION: With benevolence and courage, we look after the financial best interests of the up-and-coming, beginning with the empowering, proud step of micro-investing.

INVESTING PHILOSOPHY: The time-tested power of compounding, diversification, and sticking with it gives your money a chance to grow long term.

BACKED BY: Investors like Blackrock, PayPal, Dwayne Johnson, and Ashton Kutcher.

SECURITY: Acorns Securities, LLC is a member of SIPC. Securities in your account are protected up to $500,000. For details, please see www.sipc.org. SIPC does not protect against market risk, which is the risk inherent in a fluctuating market. Acorns checking accounts are FDIC-insured up to $250,000 through Lincoln Savings Bank or nbkc bank, Members FDIC, plus fraud protection, 256-bit data encryption, and all-digital card lock. Learn more about how FDIC protection works at www.fdic.gov.

SUBSCRIPTIONS

We bundle our products and education into subscription plans — each curated to meet you where you are. No hidden costs or transaction fees — just one, transparent monthly payment to start growing your oak.

Acorns Personal ($3/mo): Investing tools to get you started on your financial journey. Includes features like Round-Ups®, an expert-built diversified portfolio, a retirement account, a checking account that saves and invests for you, and more.

Acorns Personal Plus ($6/mo): Everything included in Acorns Personal, plus a 1% IRA match on new contributions to your Acorns Later retirement account, an Emergency fund, courses and videos to help you grow your money knowledge, and live Q&As with investing experts.

Acorns Premium ($12/mo): Everything included in Acorns Personal Plus, plus a 3% IRA match on new contributions to your Acorns Later retirement account, investment accounts for your kids, GoHenry debit card and learning app for kids, ability to add individual stocks to your already diversified portfolio, a $10,000 life insurance policy, a complimentary Will, and more.
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Disclosures are available in the images above and at www.acorns.com/disclosures

Sources:
1. https://bit.ly/3iSAjhs

5300 California Ave Irvine CA 92617

Pros and cons of Acorns: Invest Spare Change app for iPhone and iPad

Acorns: Invest Spare Change app good for

Started using Acorns last year and have thoroughly enjoyed the ease of saving my change. Another benefit has been how easy and user friendly it has been. I would highly recommend getting started!

Ive only just reached investor status but this app makes investing so easy. I feel good about putting tiny sums away rather than great big chunks of cash probably a hold over from my piggy bank days. Keep up the great work Acorns!

Nice way to add up small savings and change. Would be nice if they added more controls to select view modify the portfolio.

You cant be wealthy until you learn how to make your money work harder than you do. Acorns is one of the simply ways I recommend people use to get started with investing. Answer a few questions and Acorns sets up a bunch of accounts covering stocks bonds etc. the best part, start with five bucks, use round ups to get the spare change out of you bank account and invest that too. Got room to automate? Acorns does that do with regular transfers your accounts starts growing almost like magic.

I really like what there doing here. Great idea for beginner investors, since it is diverse portfolios you are investing in, you wont always win, but I havent lost much money. My thoughts for now

With little investment experience I have found this to be very easy to set aside money without really having to think about it. Well done!

Some bad moments

I started to sign up but stopped when I saw the user agreement which requires binding arbitration and robs you of your rights to sue.

It wants your social security no? Which is illegal to ask in MA! And it wants access to my bank account! Not even going there! With a lot of online Fraud I hearing about, I not letting anybody or anyone near my $$$ access! I got a great financial broker I using (did my homework), but this app, wants to access your valuable information? Right!! Anybody want to buy some swamp land I got in Maine?

This new update featuring "Found Money" is creepy. I dont want to open up my investment account and be asked how I can have "brands" invest in me. This isnt a shopping app, and I hate that this new menu tab is always there. It makes me really reconsider what the hell kind of company Acorns wants to be and whether I feel comfortable investing in them. These gimmicks in hopes itll provide a quick payday is doing great damage to your own "brand".

Its a great app which teaches you how to invest and save while you dont even realize it

I recommend to my friends all the time, it really is a great tool for set and forget investing. A great passive investing set for the masses, the app is great and looks great, and wish this firm continued success in building this out. Only recommendation is bring the fee component more central as part of the calculation even more transparently. I think as an investor Im fine with paying a fee for a service, but if you incorporate fees into the main screens or remind customers when they buy of the monthly fee and structure it will only serve to make customers appreciate that transparency. Its not hefty for the small investor, but if you set and forget you may lose track of the cost of investing too. Very important to get those reminders / have that awareness.

I have been using Acorn for about 8 months and I LOVE it!! Its incredible how quickly I am saving money. So simple to use and very easy to get your money when you need to withdraw. Highly recommend.

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