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Acorns Review: Is it Your Best Bet for Personal Finance and Investing?

Acorns, often heralded as a game-changer in personal finance and investing, has garnered the attention of both seasoned investors and newcomers to the market. But how does it work, and is it the right choice for you?

In a world where financial security and smart investing are more critical than ever, the choices we make can shape our financial future. Every dollar counts, and the right investment decisions can lead to a more secure and prosperous tomorrow.

Imagine having a knowledgeable partner by your side, one that helps you make those financial decisions, grow your wealth, and achieve your financial goals. That's where Acorns, a renowned name in the realm of robo-advisors, steps in.

Today, we embark on a journey to answer these questions and more. Our purpose here is crystal clear: to provide you with an in-depth review of Acorns, so you can make informed investment decisions that align with your personal finance goals. Join us as we explore the intricacies of Acorns and discover whether it's the missing piece in your financial puzzle.

Acorns Review: Is it Your Best Bet for Personal Finance and Investing?

What is Acorns?

In the ever-evolving landscape of financial technology, Acorns stands out as a prominent player, offering a unique approach to personal finance and investing. To truly understand its significance, we must first delve into what Acorns is and how it fits into the world of robo-advisors.

Acorns' Core Identity

Acorns is not your typical investment platform; it's a robo-advisor with a twist. At its core, Acorns is a micro-investing app that allows users to invest their spare change. Yes, you heard that right – spare change. This innovative concept, known as "round-ups," is what distinguishes Acorns from traditional robo-advisors. It rounds up your everyday purchases to the nearest dollar and invests the spare change in a diversified portfolio on your behalf. This approach makes investing accessible to anyone, regardless of their initial capital.

A Brief History of Acorns

To appreciate how Acorns has become a financial technology disruptor, it's essential to explore its founding, history, and key milestones.

Acorns was co-founded by Jeff Cruttenden and Walter Cruttenden in 2012. The company's journey began with a mission to democratize investing, making it easy for everyday people to start building wealth. In the years that followed, Acorns experienced significant growth and achieved several milestones.

Key milestones include securing substantial funding through investors, such as PayPal, and launching additional features like Acorns Later, which caters to retirement savings, and Acorns Spend, a financial wellness and banking component. These developments have solidified Acorns' position as a comprehensive financial platform.

The Mission and Target Audience

At the heart of Acorns' existence lies a mission to make financial wellness and investing accessible to all, regardless of their financial knowledge or starting point. The target audience is broad, encompassing both seasoned investors looking for a simplified investment strategy and newcomers who want to dip their toes into the world of finance.

Acorns aims to empower individuals to grow their wealth incrementally, encouraging them to invest small amounts regularly. This micro-investment approach resonates with those who may feel overwhelmed by traditional investment options or who haven't considered investing due to perceived barriers.

As we proceed in our review, we'll delve deeper into Acorns' unique features, investment strategies, and the real-world implications of its mission, helping you decide if it's the right fit for your financial goals.

How Acorns Works?

To understand how Acorns can help you grow your wealth through micro-investing, we need to explore the mechanics of the Acorns app and its distinctive features.

The Acorns App and User Interface

The Acorns app serves as your gateway to effortless investing. It's designed with user-friendliness in mind, making it accessible to both tech-savvy individuals and those less familiar with financial applications. The user interface is intuitive and visually appealing, providing a smooth experience from account setup to managing your investments. Upon signing up, you'll connect your bank accounts or credit cards to the app securely. This connection enables Acorns to track your spending, identify eligible round-up transactions, and facilitate seamless investing.

Round-Ups: Turning Spare Change into Investments

The hallmark of Acorns is its ingenious "round-ups" feature. Here's how it works: Every time you make a purchase using a linked card or account, Acorns automatically rounds up the transaction to the nearest dollar. The difference, which is your spare change, is then invested in a diversified portfolio of exchange-traded funds (ETFs) chosen based on your risk tolerance. For example, if you buy a coffee for $3.50, Acorns will round it up to $4.00, investing the extra $0.50. Over time, these small round-ups accumulate into a significant investment portfolio, allowing you to save and invest without even realizing it.

Different Account Types

Acorns offers several account types to cater to different financial goals and preferences:

  • Acorns Core: This is the standard account that allows you to invest your spare change and offers a basic portfolio designed for general investing. It's an excellent choice for those who want to start investing without a specific goal in mind.

  • Acorns Later: Acorns Later is geared towards retirement savings. It offers Individual Retirement Accounts (IRAs), including Traditional and Roth options. This allows you to plan for your retirement while taking advantage of tax benefits.

  • Acorns Spend: Acorns Spend combines an investment account with a checking account and debit card. It's designed to enhance your financial wellness by providing insights into your spending and saving habits.

Fees Associated with Each Account Type

As you consider the various Acorns account types, it's important to be aware of the associated fees:

  • Acorns Core: Acorns charges a monthly fee of $1 for the Core account. This fee grants you access to the investment platform and various features. For accounts with a balance exceeding $1 million, the fee changes to 0.25% of the account balance annually.

  • Acorns Later: Acorns Later follows the same pricing structure as Acorns Core, with a monthly fee of $1. However, the fee for Later accounts with a balance exceeding $1 million also changes to 0.25% of the account balance annually.

  • Acorns Spend: Acorns Spend has a unique pricing structure. The basic checking account is free, but if you opt for Acorns Spend's premium features, including metal debit card and expedited customer support, you'll pay $3 per month.

Understanding these account types and their associated fees is crucial when deciding which Acorns offering aligns best with your financial goals and preferences. In the subsequent sections, we'll explore Acorns' investment strategies, performance, and additional features to help you make an informed decision on whether Acorns is the right fit for your personal finance and investing needs.

Investment Portfolio and Strategies

To make an informed decision about Acorns, it's crucial to understand how they approach portfolio construction, asset allocation, and the investment strategies that underlie their services.

Portfolio Construction and Asset Allocation

Acorns employs a modern portfolio theory (MPT) approach to portfolio construction, aiming to maximize returns for a given level of risk. Here's how they break down their investment portfolios:

  • Stocks: The majority of Acorns portfolios are allocated to a diverse range of U.S. and international stocks. This is where the potential for high returns resides, but it also carries a higher level of risk.

  • Bonds: Acorns includes bonds in its portfolios to provide stability and reduce risk. Bonds typically offer lower returns compared to stocks but are less susceptible to market volatility.

  • Real Estate Investment Trusts (REITs): To add diversification, Acorns may include REITs in its portfolios. REITs allow investors to gain exposure to real estate markets without directly owning property.

  • Short-term Government Bonds: For a conservative approach, Acorns may allocate a portion of portfolios to short-term government bonds, which are considered among the safest investment options.

Investment Philosophy and Strategies

Acorns' investment philosophy revolves around the principles of passive investing and diversification. They believe in the power of time in the market rather than timing the market. Here are the key elements of their investment strategy:

  • Diversification: Acorns builds diversified portfolios to spread risk. This diversification helps reduce exposure to the volatility of individual assets.

  • Long-Term Focus: Acorns encourages a long-term investment horizon. Their round-up feature emphasizes small, consistent investments over time, aligning with the idea that long-term investments can yield compounding returns.

  • Risk Tolerance: Acorns assesses your risk tolerance through a questionnaire during the account setup process. The portfolio is then constructed to match your risk profile, ensuring you are comfortable with the level of risk you're taking.

  • Automatic Rebalancing: Acorns monitors your portfolio and rebalances it as needed. If your asset allocation drifts from your desired risk level due to market fluctuations, they bring it back in line with your original plan.

Understanding Acorns' investment philosophy and strategies is essential for potential users. It enables you to assess whether their approach aligns with your own financial goals, risk tolerance, and investment preferences. In the subsequent sections, we'll delve into the performance of Acorns, its advantages and disadvantages, and how it compares to other robo-advisors, providing you with a comprehensive view to make informed investment decisions.

Acorns compound interest calculator

Features and Tools

Acorns isn't just about rounding up spare change and investing. It offers a range of features and tools to enhance your financial wellness and investing experience. Let's explore what sets Acorns apart and how these features can benefit users in their personal finance and investing journey.

Found Money

One standout feature offered by Acorns is "Found Money." This feature allows users to earn cashback when making purchases with Acorns' partner brands. These cashback rewards are automatically invested in your Acorns account, boosting your investments passively. It's an innovative way to save and invest while you shop, providing a unique benefit to users.

Educational Content

Acorns understands that financial literacy is crucial for long-term financial success. To address this, they provide educational content, including articles, videos, and guides. These resources can help users learn more about investing, saving, and managing their finances, empowering them to make informed decisions.

Retirement Accounts (Acorns Later)

Acorns Later offers Individual Retirement Accounts (IRAs), including Traditional and Roth options. This feature enables users to plan for their retirement while taking advantage of tax benefits. By providing a simple and accessible way to invest for retirement, Acorns helps users secure their financial future.

Acorns Spend

Acorns Spend is another innovative feature. It combines an investment account with a checking account and debit card. This tool provides insights into your spending and saving habits, helping you manage your finances more effectively. The Spend feature bridges the gap between daily spending and long-term investing, making it easier for users to grow their wealth over time.

Round-Ups and Automatic Investing

While round-ups were briefly mentioned in the previous sections, it's essential to highlight how this feature simplifies investing. Acorns' automatic investing takes the hassle out of the investment process, ensuring that even small, everyday transactions contribute to your financial future.

Portfolio Rebalancing

Acorns actively manages your portfolio, rebalancing it as needed to maintain your chosen risk level. This feature is particularly valuable for hands-off investors who want a set-and-forget investment strategy. It ensures that your portfolio aligns with your risk tolerance over time. The combination of these features and tools sets Acorns apart in the robo-advisor space. They offer a holistic approach to personal finance and investing, making it accessible and intuitive for users to work towards their financial goals. Whether you're a novice investor looking to start small or a seasoned pro seeking simplicity and diversification, Acorns provides a suite of tools to help you achieve your financial aspirations.

Acorns Performance and Returns

Evaluating the performance and returns of an investment platform like Acorns is crucial for making informed decisions about your financial future. In this section, we'll explore the performance of Acorns, comparing it to traditional investment methods and other robo-advisors, while also acknowledging the role of market conditions in shaping these returns.

Historical Performance Data

Acorns, like other robo-advisors, typically provides historical performance data on their portfolios. However, it's important to note that past performance is not indicative of future results. Acorns' performance data can be viewed within the app or on their website, showcasing returns over different time horizons. Please note that the specific performance data may vary depending on the portfolio type, market conditions, and individual account preferences. Therefore, it's advisable to review Acorns' official sources for the most up-to-date and accurate performance information.

Comparing Acorns' Returns

When comparing Acorns' returns to traditional investment methods and other robo-advisors, several factors should be considered:

  • Risk Tolerance: Returns should be compared in the context of your risk tolerance. Acorns constructs portfolios based on your risk profile, and it's essential to ensure that the returns align with your comfort level.

  • Diversification: Acorns emphasizes diversification to manage risk. It's often more conservative compared to a concentrated investment strategy, which might result in lower returns but also lower risk.

  • Costs and Fees: Consider the fees associated with Acorns. Lower fees can translate into higher net returns. It's essential to compare these fees to those of traditional investment methods.

  • Market Conditions: The performance of any investment platform, including Acorns, is influenced by market conditions. Markets can be volatile, affecting returns. Understanding the role of market conditions in performance is vital.

The Role of Market Conditions

Market conditions play a significant role in shaping investment returns. The performance of all investment vehicles, whether traditional or robo-advisors, is subject to the ebbs and flows of financial markets. It's essential to acknowledge that market conditions can be unpredictable and may impact returns positively or negatively. In periods of economic growth and stability, investment returns tend to be more favorable. Conversely, during economic downturns or recessions, returns can decline. Acorns' diversified approach aims to mitigate the impact of market volatility, making it a suitable choice for those who want to invest without closely monitoring market conditions. To assess Acorns' performance in detail, it's recommended to consult their official performance data and compare it to other investment options that match your financial goals and risk tolerance. Always remember that while returns are a crucial aspect of investing, a well-rounded financial strategy also considers other factors such as costs, risk, and long-term goals.

Acorns Pros and Cons

Acorns, like any financial platform, comes with its own set of advantages and disadvantages. In this section, we'll provide a balanced view of the pros and cons of using Acorns, considering aspects such as ease of use, accessibility, and potential drawbacks. We'll also touch on user reviews and feedback to offer a well-rounded perspective.

Advantages of Acorns

  • Simplicity and Accessibility: Acorns makes investing accessible to all, including those with minimal investment experience. The round-up feature simplifies the investment process and encourages regular contributions.

  • Diversification: Acorns offers diversified portfolios, which can help reduce risk for investors. This diversification is especially beneficial for those who prefer a hands-off approach.

  • Financial Education: Acorns provides educational content to help users improve their financial literacy. This empowers users to make informed financial decisions.

  • Found Money: The "Found Money" feature allows users to earn cashback on purchases, which is automatically invested, boosting investment returns.

Drawbacks and Potential Concerns

  • Fees: While the fee structure is relatively low, it's essential to consider the costs associated with Acorns. A flat monthly fee may impact smaller portfolios more significantly.

  • Limited Customization: Acorns' portfolios are constructed based on risk assessment, which may not suit investors with specific preferences or those seeking a more hands-on approach.

  • Market Volatility: Like all investment platforms, Acorns' performance can be influenced by market conditions. While diversification helps mitigate risk, it doesn't eliminate it.

  • Savings vs. Investment: Some argue that the round-up approach might promote savings more than investing, as small, irregular contributions may not result in substantial investment growth.

User Reviews and Feedback

User reviews and feedback on Acorns vary. Some users praise the platform's simplicity and how it has helped them start investing, particularly those who may not have had the means to do so otherwise. Others appreciate the cashback benefits of the "Found Money" feature. However, there are also users who express concerns about the fees, especially for smaller portfolios. Some experienced investors may find the level of customization limiting. Market conditions can also affect user satisfaction, with some expressing disappointment during periods of lower returns. It's important to note that user experiences can differ widely, depending on individual financial goals and preferences. Reading user reviews and seeking feedback from other investors can provide valuable insights into how Acorns may align with your specific needs. In conclusion, Acorns offers a straightforward way to invest and save for the future, with a range of features to empower users. However, it's essential to weigh the pros and cons and consider your own financial situation and objectives when deciding if Acorns is the right fit for your personal finance and investing journey.

Security and Customer Support

When it comes to financial services, security and accessible customer support are paramount. In this section, we will delve into the security measures Acorns has in place to protect users' financial data and discuss the options available for users to seek assistance through customer support.

Security Measures

Acorns places a strong emphasis on the security of users' financial data and investments. They employ several security measures to safeguard user information:

  • Bank-Level Encryption: Acorns uses bank-level encryption to protect user data during transmission. This ensures that sensitive information is secure when it's sent to and from the platform.

  • Data Protection: User data is stored securely on Acorns' servers. The company follows industry-standard practices to protect this data from unauthorized access.

  • Account Verification: To maintain account security, Acorns verifies user identities and employs multifactor authentication. This adds an extra layer of protection to prevent unauthorized access.

  • SIPC Insurance: Acorns accounts are SIPC (Securities Investor Protection Corporation) insured. This means that in the unlikely event that Acorns goes out of business, users' investments are protected up to a certain limit.

  • Account Security: Users can set up a personal identification number (PIN) for additional account protection.

These security measures contribute to a robust defense against unauthorized access and data breaches.

Customer Support

Acorns offers customer support to assist users with their inquiries, concerns, and issues. Here's how users can seek assistance:

  • In-App Support: Acorns provides in-app support, allowing users to send messages or seek help within the app itself. This can be convenient for addressing specific issues related to your account or investments.

  • Email Support: Users can also reach out to Acorns via email for less urgent matters or to get more detailed assistance.

  • Help Center: Acorns maintains a comprehensive help center on their website, featuring articles and guides that cover a wide range of topics, including account setup, investments, fees, and more. Users can often find answers to common questions in the help center.

  • Social Media and Community Forums: Acorns is active on social media platforms, and they may address user questions and concerns through these channels. Additionally, community forums may provide a space for users to discuss their experiences and seek help from peers.

  • Phone Support: In certain situations, users may have access to phone support, though it may be more limited compared to in-app or email support.

Customer support responsiveness may vary, so the method of contact should be chosen based on the urgency and nature of the issue.

Acorns' commitment to security and their accessibility through various support channels provides users with the means to seek help and ensure their investment experience is smooth and secure. Always remember to use secure channels when discussing personal or financial information with customer support.

Pricing and Fees

Understanding the pricing structure of Acorns is crucial to evaluating the cost-effectiveness of using this robo-advisor. In this section, we'll provide a comprehensive breakdown of Acorns' pricing and fees and compare them to competitors in the robo-advisor space.

Acorns' Pricing Structure

Acorns' pricing structure is relatively straightforward. They offer three main pricing tiers:

  1. Acorns Core: This is the standard account, and it costs $1 per month. With Acorns Core, you gain access to the platform's core investment features.

  2. Acorns Later: Acorns Later, designed for retirement savings, also costs $1 per month. It offers access to Individual Retirement Accounts (IRAs), including Traditional and Roth options, in addition to Acorns Core features.

  3. Acorns Spend: Acorns Spend combines a checking account and investment account, and it has a unique pricing structure. The basic checking account is free, but if you opt for Acorns Spend's premium features, which include a metal debit card and expedited customer support, you'll pay $3 per month.

It's important to note that the pricing structure for Acorns Core and Acorns Later changes if your account balance exceeds $1 million. In that case, the fee for both accounts becomes 0.25% of the account balance annually.

Comparing Acorns' Fees to Competitors

When comparing Acorns' fees to those of other robo-advisors, it's important to consider factors such as the level of service, features, and the specific needs of the investor. Here's a general comparison:

  • Acorns tends to have a competitive edge when it comes to accessibility and simplicity. Its $1 per month fee for Acorns Core makes it accessible to users with small portfolios who are looking for an easy way to start investing.

  • Competitors: Many other robo-advisors have fee structures that are based on a percentage of the assets under management (AUM). These percentages can range from around 0.25% to 0.50% or more annually. This means that, as your portfolio grows, you'll pay higher fees. For investors with substantial portfolios, a fee-based structure may result in higher costs compared to Acorns' flat fee.

  • Additional Features: It's important to consider what additional features and services robo-advisors offer in exchange for their fees. Some may provide more in-depth financial planning, tax-loss harvesting, or access to human financial advisors.

Ultimately, the decision to use Acorns or another robo-advisor should be based on your individual financial situation, investment goals, and preferences. While the flat fee structure of Acorns may be appealing to investors with smaller portfolios, those with larger portfolios might find fee-based competitors more cost-effective, especially if they offer advanced features that align with their needs. It's advisable to carefully evaluate the fees and services offered by different robo-advisors to choose the one that best suits your financial goals.

How Acorns Compares to Other Robo-Advisors?

Robo-advisors have become increasingly popular in the world of personal finance and investing. To help you make an informed decision, this section will compare Acorns to other popular robo-advisors in terms of features, performance, and fees. We'll also highlight what sets Acorns apart from the competition.


  • Acorns: Acorns is known for its simplicity and accessibility, making it a great choice for novice investors or those looking for an easy way to start investing. Its innovative round-up feature allows users to invest spare change, and it offers additional features such as Found Money (cashback on purchases), educational content, and Acorns Later (retirement accounts). Acorns Spend further bridges the gap between spending and investing.

  • Competitors: Other robo-advisors may offer more advanced features, such as tax-loss harvesting, personalized financial planning, and access to human financial advisors. The availability of these features varies by platform.


  • Acorns: Acorns' performance is subject to market conditions and the asset allocation of its portfolios. Historically, it has aimed for steady, long-term growth. The platform provides historical performance data that users can review.

  • Competitors: Performance can vary among robo-advisors depending on their investment strategies, asset allocation, and management. Some competitors may have a stronger track record in terms of returns, while others may emphasize risk reduction and stability.


  • Acorns: Acorns offers a relatively straightforward fee structure. Acorns Core and Acorns Later cost $1 per month. Acorns Spend is free for the basic checking account, with a $3 per month fee for premium features. For accounts with balances exceeding $1 million, the fee changes to 0.25% of the account balance annually.

  • Competitors: Fees among robo-advisors vary widely. Some use a percentage of assets under management (AUM), which can range from approximately 0.25% to 0.50% or more annually. Other competitors may have tiered fee structures that provide cost savings for larger portfolios.

What Sets Acorns Apart?

Acorns stands out from the competition due to its:

  • Simplicity and Accessibility: Acorns excels in making investing accessible and easy, especially for users with smaller portfolios. The round-up feature and flat monthly fee simplify investing.

  • Diversification and Automatic Investing: Acorns promotes diversification through its portfolios, which can help reduce risk for hands-off investors. Automatic investing is a convenient way to grow wealth incrementally.

  • Unique Features: Found Money, Acorns Later (retirement accounts), and Acorns Spend (combining checking and investment) provide a comprehensive financial platform.

  • Emphasis on Financial Education: Acorns offers educational content to enhance users' financial literacy.

While Acorns may excel in its simplicity and accessibility, other robo-advisors may offer advanced features and more extensive customization. The choice of robo-advisor should align with your specific financial goals and preferences. Careful consideration of the features, performance, and fees of different platforms will help you select the one that best suits your investment needs.

User Experience and Reviews

Real user experiences and testimonials can provide valuable insights into the overall user experience of Acorns. Here, we'll share snippets of user reviews, both positive and negative, to give you a sense of how users perceive the platform and how their feedback reflects their experiences.

Positive User Feedback:

  1. Simplified Investing: "I love how Acorns makes investing easy. The round-up feature is fantastic! I'm saving without even realizing it."

  2. Beginner-Friendly: "As someone new to investing, Acorns is a perfect start. It's user-friendly, and the educational content helped me understand the basics."

  3. Hands-Off Investing: "I appreciate the automatic investing and portfolio rebalancing. It takes the stress out of managing my investments."

  4. Cashback Benefits: "Found Money is a great bonus. I've earned cashback on purchases, and it's a nice addition to my investments."

Negative User Feedback:

  1. Fees: "The $1 monthly fee may not seem like much, but it can add up, especially if you have a small portfolio. There are robo-advisors with lower costs."

  2. Limited Customization: "I wish Acorns allowed more control over the portfolio. It's quite cookie-cutter, and I'd prefer more choices."

  3. Market Volatility: "During a market downturn, I saw a significant decrease in my account balance. I wish Acorns had provided more options for risk management."

  4. Slow Customer Support: "Getting in touch with customer support can be slow at times. It would be nice if they improved response times."

User Feedback and Overall User Experience:

User feedback on Acorns reflects a generally positive experience among those who appreciate its simplicity and the ease of saving and investing. The round-up feature, educational content, and automatic investing are particularly praised. However, concerns are raised about the fees, especially for smaller portfolios. Some users desire more control and customization over their portfolios, which Acorns' streamlined approach may not provide. Additionally, market conditions can impact user satisfaction, emphasizing the importance of understanding risk and investing principles. Overall, user feedback suggests that Acorns is a valuable platform for those who prioritize accessibility and a hands-off approach to investing. However, individual experiences and preferences vary, and users should weigh the pros and cons to determine if Acorns aligns with their financial goals and expectations.


In this comprehensive article, we have explored Acorns, a popular robo-advisor in the personal finance and investing space, focusing on its features, performance, fees, security, and user experiences. Now, let's summarize the key points and provide a clear and balanced recommendation on whether Acorns is suitable for certain types of investors.

Key Points:

  • Acorns is a user-friendly robo-advisor known for its simplicity and accessibility.

  • The platform's innovative round-up feature enables users to invest spare change, making it easy to start saving and investing.

  • Acorns offers diversified portfolios, found money opportunities, educational content, retirement accounts, and a checking/investment combination with Acorns Spend.

  • Users' financial goals, risk tolerance, and preferences influence their satisfaction with Acorns.

  • User feedback highlights the platform's strengths and drawbacks, such as fees, customization options, and market sensitivity.


Acorns is a great choice for specific types of investors:

  1. Novice Investors: Acorns' straightforward approach is ideal for beginners who want to start investing without a steep learning curve. The round-up feature and educational content simplify the process.

  2. Hands-Off Investors: If you prefer a set-and-forget investment strategy with automatic contributions and rebalancing, Acorns is well-suited for your needs.

  3. Those with Smaller Portfolios: Acorns' flat monthly fee makes it cost-effective for users with smaller portfolios who might be discouraged by AUM-based fees.

However, it's essential to acknowledge that Acorns may not be suitable for everyone. If you have specific investment preferences, require advanced features, or prioritize maximum customization, other robo-advisors might better meet your needs.

If you're interested in Acorns and believe it aligns with your financial goals, we encourage you to explore the platform further. Sign up, review the educational content, and consider using the round-up feature to kickstart your investment journey. As with any investment decision, it's wise to perform your due diligence, understand your risk tolerance, and evaluate whether Acorns is the right fit for your unique financial circumstances.

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