If you have ever wondered “How can I invest without too much stress?” then the Acorns app can be a good option. Acorns is an automated investing and saving app that helps you turn your small savings into big ones. This app is also perfect for beginners who don’t know much about investing.
How does Acorns work?
Acorns automatically takes out a small amount from your expenses and invests it. For example, if you buy a coffee for $4.75, the remaining $0.25 is automatically invested. This feature is called “Round-Ups®”. If you feel like investing more than just spare change, you can manually increase your investments.
Features of Acorns App
1. Easy Automated Investing
Acorns invests your money in ETF portfolios designed by financial experts. You can start with small amounts and gradually increase your investment.
2. Bitcoin Investment Option
If you want to understand the craze of Bitcoin, Acorns gives you the option to allocate up to 5% in a Bitcoin-linked ETF. This means that you can become a part of the cryptocurrency market without taking much risk.
3. Customized Portfolio
If you want to invest in a specific company, then Acorns’ “Custom Portfolio” feature allows you to add stocks of the top 100 US companies.
4. Investing for Retirement (Acorns Later)
If you want to secure your future, then “Acorns Later” provides a retirement account in which you get up to 3% IRA match on Gold subscription.
5. Investing for Children’s Future (Acorns Early)
If you want to save money for your children’s future, “Acorns Early” is a dedicated investment account that also offers a 1% match.
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Saving Features
1. Emergency Fund
Life is unpredictable, so Acorns provides an “Emergency Fund” feature that gives a return of up to 4.05% APY.
2. Checking Account with APY
If you use Acorns’ Mighty Oak debit card, you get 2.57% APY, which helps you earn extra money in your checking account.
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Extra Benefits
1. Kids & Teen Debit Card
To teach children financial responsibility, Acorns offers an Early debit card that is included in the Gold subscription.
2. Bonus Investments
If you shop from specific brands, you get extra investments instead of cashback, making your money grow further.
3. Financial Knowledge
If you want to explore more about investing and savings, Acorns gives you access to articles, videos, and live Q&A sessions to enhance your financial literacy.
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Acorns Subscription Plans
Acorns is a monthly subscription-based service with different plans:
1. Bronze Plan ($3/month)
- Round-Ups®
- Diversified portfolio
- Retirement account
- Checking account
2. Silver Plan ($6/month)
- All features of Bronze plan
- 1% IRA match (for Acorns Later retirement account)
- Emergency fund
- Financial learning courses and live Q&As
3. Gold Plan ($12/month)
- All features of Silver plan
- 3% IRA match (for Acorns Later retirement account)
- Investment account for children (with 1% match)
- Acorns Early debit card
- Custom Portfolio (to add stocks of Top 100 US companies)
- $10,000 life insurance policy
- Complimentary Will
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Is Acorns Secure?
Yes, Acorns is very serious about security. It offers features like 256-bit encryption, fraud protection, and two-factor authentication. In addition, Acorns investment accounts are SIPC-protected (up to $500,000) and checking accounts are FDIC-insured (up to $250,000).
User Reviews
Acorns has received mixed reviews. Many people liked its “Round-Ups®” feature, but some users had problems with bank linking and transaction updates. There can also be occasional delays in the support system, which can be frustrating for some users.
Final Verdict: Should You Use Acorns?
If you are a beginner and investing seems quite complex, Acorns can be a good option. It smartly invests your small savings and helps you grow your money gradually. But if you are an experienced investor who wants more control over your investments, you may need to look at other options.
If you want a simple and hands-free investing solution that automatically grows your money, then Acorns can be a good choice!