Which investment app is better for you?

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Acorns and Stash are two micro-

Invest in apps
this offers opportunities to save and invest small parts of the money. Both apps offer various personal investment, retirement and online banking accounts.

Both use a monthly fee structure, but while Acorns is automated, Stash gives you more control over your investments.

Acorns and Stash also have different investment options and account functions. Read on to find out which platform is best for you.


  • No minimum accounts
  • Commission-free investments
  • Acorn Round-Ups invests your change from purchases
  • ETF portfolios are tailored to your risk tolerance and investment goals
  • Automated custody accounts for children


  • You cannot invest in certain companies. Acorns assigns and manages your portfolio for you
  • If you don’t invest regularly, the monthly fees can be steep compared to other automated advisors like SoFi

Acorns is an automated investment app that creates personal investment accounts, IRAs,

Check accounts
and investment accounts for children. While the investment platform has a minimum account of $ 0, you need a minimum of $ 5 to start investing.

In terms of fees, Acorns offers three plans at different prices: Acorns Lite, Acorns Personal, and Acorns Family. If you are solely interested in investing with a personal investment account, Acorns Lite may be best for you. The account has a monthly fee of $ 1, but it: (a) invests your money in an ETF portfolio tailored to your risk tolerance, and (b) uses Acorn round-ups to invest loose change from your purchases.

You can also use the personal investment account at Acorns Personal, but this plan gives you access to a lot more ($ 3 monthly fee). This includes an Acorns Later IRA account and a checking account that allows you to choose between transactions at more than 55,000 toll-free ATMs.

The Acorns Family account might be a good choice if you want to consolidate personal investment, retirement, and family savings goals. The $ 5 monthly fee grants you: a personal investment account, Acorns Later IRA, Acorns Spend checking account, and Acorns Early childhood investment account.

If you are interested in investing and verifying account access, you need to sign up with Acorns Personal or Acorns Family. The Acorns Spend checking account includes digital banking only, debit card access, direct deposit, mobile check deposit, FDIC insurance and much more.

But there is another benefit: Acorns Earn. This feature gives you investment bonuses and rewards when you shop with any of the companies that Acorns has worked with. Acorns has worked with more than 350 brands including Walmart, Apple, Expedia, and Nike.

The Acorns mobile app is available on both iOS and Android devices.


  • No minimum to get started; Round-ups invested change from purchases
  • You can choose your investments, but automatic investment tools are also available
  • Accounts include a stock-back card, online banking options, and life insurance
  • Smart Portfolios invests your money in a custom ETF portfolio that matches your risk tolerance


  • Compared to Acorns, the monthly fees for custody accounts are higher
  • Smart Portfolios automated investing only available at higher prices

Stash is also a microinvestment app that offers a wide range of automatic investment tools. Like Acorns, Stash has a minimum of $ 0 and offers three pricing plans. The three of Stash are Stash Beginner, Stash Growth, and Stash +.

Similar to Acorns’ Lite account, there is a $ 1 monthly fee for stash beginners. This plan includes a personal brokerage account, a stock-back card (this is a stash debit card that you use to qualify for stock rewards when you use it for purchases), online banking, savings tools, personal advice, and one of Avibra sponsored life insurance of $ 1,000.

For $ 2 more per month, Stash Growth offers all of the features of Stash Beginner plus automated investment management from Smart Portfolio, IRAs and personalized retirement advice. For $ 9 a month, you can take advantage of a range of features and account options in Stash +. Stash + has everything in Stash Growth, but it also includes investment accounts for kids, stock-back card bonuses, investment research and advice, and much more.

When it comes to choosing investments, Stash offers stocks and ETFs in more than 3,700 companies. You can also purchase fractions of shares with the investment app. But if you are more of a beginner there are still options for you.

The Stash Smart Portfolio feature is only available on the Stash Growth and Stash + plans. However, this tool uses your specific risk to create a personalized portfolio of ETFs. The investment app also rebalances your portfolio if it deviates by 5% from the target allocation, according to Stash.

Two other features to look out for with Stash are Set Schedule and Round-Ups. These two tools are part of the auto-stash suite. Set a schedule to set up automatic transfers for your account. Round-ups allow you to use your linked debit card to have Stash round your purchases up to the nearest dollar.

Stash transfers the remaining amount to your cash balance. For example, if you bought groceries worth $ 20.59 using a debit card, Stash will round the purchase down to $ 21.

You can set up the Stash mobile app on iOS or Android devices.

Acorns and Stash are both great for beginners looking for guidance in navigating the investment process. The two investment apps offer three pricing plans, coupled with monthly fees, and generally offer the same account options.

The two biggest differences between Acorns and Stash are fees and investment decisions. Acorns’ plans are $ 1, $ 3, and $ 5 per month. Stash’s pricing plans, on the other hand, have fees of $ 1, $ 3, and $ 9 per month. Acorns gives you access to ETF portfolios but allows you to individually select stocks or ETFs with stash.

Another difference to consider is that Acorns is entirely automated, which means that you cannot choose and trade investments yourself. Acorns will do this for you. On the contrary, Stash is more of a hybrid broker / automated advisor that simultaneously gives you control over your investment decisions and provides automated tools to support those decisions.

If you’re looking to save money on investing and banking online, Stash may be a better option. While Stash isn’t as automated as Acorns, it only takes you $ 1 a month to take advantage of its banking products. With Acorns, you need at least $ 3 a month to take advantage of investing and online banking.

Overall, Acorns is a better choice for hands-off investors who prefer automated investment management. However, stash might be the stronger option for those who want the best of both worlds when it comes to DIY trading and automated investing.

Rickie Houston is a wealth creation reporter for Personal Finance Insider specializing in investment, brokerage and wealth creation products.

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