5. Acorns review

Acorns Investing Portfolios: What’s Available?

After the signup process is complete, and you’ve created your investment account with Acorns, the app will process your portfolio. View your portfolio to see a list of advice, tips, and ideas.

The Moderately Conservative Portfolio was recommended for me based on my variable cash flow (as a self-employed taxpayer), median net worth, my long-term investment reason, my age, and my above-average income. However, I chose to go with a Moderate Portfolio for this review.

To see a change in projected value over time, you drag the graph (either right or left and up or down) to change the amount invested each month. You don’t have to stick with the recommended portfolio. Just click on the different types of portfolios to find one that’s a better fit.

Acorns Offers 5 Core Portfolios to Choose From:

  1. Conservative: 100% Bonds
  2. Moderately Conservative:  40% Stocks, 60% Bonds
  3. Moderate: 60% Stocks, 40% Bonds
  4. Moderately Aggressive: 80% Stocks, 20% Bonds
  5. Aggressive: 100% Stocks

Next, you can explore the ETFs and select an asset class you want to invest in. The Acorns app offers a number of index funds offered through iShares and Vanguard including:

  1. Large Company Stocks — Vanguard S&P 500 ETF (VOO)
  2. Small Company Stocks — Vanguard Small-Cap ETF (VB)
  3. Developed Markets — Vanguard FTSE Developed Markets ETF (VEA)
  4. Emerging Markets — Vanguard FTSE Emerging Markets ETF (VWO)
  5. Real Estate — Vanguard REIT ETF (VNQ)
  6. Corporate Bonds — JP Morgan Ultrashort Term Corporate Bond (JPST)
  7. Government Bonds — iShares 1-3 Year Treasury Bond ETF (SHY)

When you’re ready, click “Confirm Portfolio.”

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