On the other hand, a portfolio consisting entirely of stocks, even for a risk-tolerant younger worker, may be a bit too risky. This simplified approach makes your investments much easier to understand without sacrificing returns. Unlike other competitors such as Wealthfront, our Acorns portfolio consisted of just four low-cost ETFs, all with miniscule expense ratios-the operating fees charged by the funds you invest in. 5% to small-cap stocks through iShares Core S&P 500 Small-Cap (IJR).10% to mid-cap stocks through iShares Core S&P 500 Mid-Cap (IJH).30% to international stocks through iShares Core MSCI International Stock (IXUS).55% to large domestic companies through Vanguard S&P 500 (VOO).Acorns came back with an “Aggressive Portfolio” that allocated:

Forbes Advisor signed up with a profile for a young, upper-middle-class worker with a long investing horizon. Acorns picks your portfolio from a roster of nearly 25 ETFs. You’ll be asked your age, net worth, income and when you may need to access the funds. Like most other robo-advisors, Acorns gives its customers a diversified portfolio of low-cost ETFs suited to their risk tolerance and goals, based on how they answer a handful of questions. Available to those paying Acorns’ most expensive tier, this is a UTMA/UGMA account, allowing parents to set up accounts for their children without dealing with sticky red tape. The cash back that you earn shopping on Found Money is placed in your Acorns Invest account. An online marketplace that offers a small percentage back on purchases made at hundreds of major retailers, including Walmart. Another feature, called Smart Deposit, allows you to siphon money automatically from a direct deposit in your Spend account into other accounts, like Invest. A checking account that comes with a debit card and eschews many fees, such as minimum balance fees. All investing is for the long haul, whatever the goal. We found the Invest/Later nomenclature a bit confusing, since it’s not as if your Acorns Invest funds are meant for day-trading or immediate use. Like Acorns Invest, your portfolio is made up of ETFs. This is a tax-advantaged individual retirement account ( IRA). Setting up recurring contributions-Acorns lets users contribute as little as $5 at a time-is your best bet, taking advantage of dollar-cost averaging to build your portfolio. You may fund the account via round-ups, recurring deposits or on-demand deposits. This is a taxable investment account that puts your money into exchange-traded funds ( ETFs), chosen for you based on your risk tolerance and financial goals. Acorns offers users five main saving and investing products: Invest, Later, Spend, Found Money and Early.

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