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Investment account
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Investment account
Invest for kids
Sustainable ESG portfolios
Bitcoin ETF
Do you want to build wealth? It’s simpler than you may think if you invest your money. And the earlier you start investing, the easier it is. 
Consider this example: Let’s say an investor started investing when they were 22 and contributed $100 per month in an investment account. Assuming a 10% average annual return, they’d have over $1 million by the time they turned 67. Even better, they would contribute just $54,000 — the other $950,000 is entirely from the power of compounding at a 10% annual return.
Saving that much money may sound impossible. But there is a way to help ensure you can retire comfortably: Investing your money. Investing can be key to giving your money a chance to grow over time to help you achieve your goals. 
If you aren’t sure where to start, this guide to investing for beginners will teach you the essentials.
When it comes to planning for your retirement or another major financial goal, many experts will tell you that investing is critical. Why is it so important? There are two reasons: 
Compounding: Investing makes your money work harder for you, thanks to the power of compounding. An asset’s earnings, such as gains or interest, are reinvested, which can generate additional earnings too. 
Market growth: Over time, the price of your investments can increase. If a stock’s price is higher than when you bought it, you can sell and receive a profit. Over the long term, your returns can be significant. 

Consider these examples. 
Mike has $10,000. He wants to play it safe, so he deposits the money into a savings account that earns the national annual percentage yield (APY) of just 0.33%. After 20 years, his account grew to $10,682; he only earned $682 in interest.
Jeff went about things differently. He also had $10,000, but he invested it in the stock market. Although the market fluctuated, over 20 years, the average annual return was 10% — in line with the historical average. 
As a result, his $10,000 investment grew significantly. After 20 years, his account was worth $73,280. Thanks to compounding and market growth, Jeff’s account grew far beyond Mike’s. Although they started with the same amount of money, Jeff had seven times as much as Mike after 20 years because he invested it rather than stash it in a savings account. 
To see how investing can affect your money, use Acorns’ compound interest calculator.
Before you can open an investment account or choose investments, spend some time thinking about how much risk you’re willing to take with your money. Any investment has some risk associated with it, and your goals and time horizon will affect your choices. 
Generally, you can take on more risk for long-term goals, such as retirement. When you’re decades away from your goal, you can often afford to invest your money aggressively since you have time to recover from market declines. 
If your timeline is shorter, such as within the next two to five years, you may want to choose short-term investment options that are more conservative to protect your money from market fluctuations. 
When investing for beginners, your goals may vary. Depending on your investment goal, you may benefit from using one of the following investment accounts: 
A 529 education savings plan is a tax-advantaged investment account. The money you contribute grows tax-deferred, and you can withdraw money tax-free to pay for qualifying education expenses. 
Uniform Gifts to Minors Act (UGMA) or Uniform Transfers to Minors Act (UTMA) accounts are custodial accounts you can open on behalf of a child. While these accounts don’t have tax benefits, there is no penalty if the child uses the money for non-education expenses. 
Retirement planning is a common investing goal. 401(k) and 403(b) accounts are employer-sponsored retirement plans; 401(k) plans are offered by for-profit corporations, while 403(b) plans are typically offered by non-profit organizations. You can make contributions to your retirement plan with pre-tax dollars, and the account can grow tax-deferred. 
An individual retirement account (IRA) is a useful tool in the following scenarios: 
Your employer doesn’t offer a 401(k).
You reached the maximum contribution limit for a 401(k).
You want another retirement account with more investment options.
You want to open a Roth IRA so you can make post-tax contributions now and enjoy tax-free withdrawals in retirement. 

Depending on the type of IRA and whether you have access to an employer-sponsored retirement plan, your contributions may be tax-deductible, and your money can grow tax-deferred. 
Taxable brokerage accounts allow you to invest your money without picking a specific investment goal. These accounts don’t have the tax benefits of 529 plans or 401(k)s, but they typically allow you to withdraw money at any time — and for any purpose — without penalty. 
Now that you know about the different investment accounts that are available for various goals, you can decide how to invest your money. The most common investment types when investing for beginners include the following: 
When you invest in stocks, you buy an interest in the company and become a shareholder. Individual stocks tend to be a relatively risky investment choice, as they are not diversified on their own. 
Bonds act like IOUs; you loan a company or government agency money for their projects. In exchange, they pay you interest on top of the bond principal. Generally, bonds are less risky than stocks. 
ETFs are collections of stocks, bonds and other assets. By investing in an ETF, you can invest in hundreds — even thousands — of companies simultaneously. 
Mutual funds are similar to ETFs in that they allow you to buy baskets of stocks and bonds at one time and diversify your portfolio. But they usually have higher investment minimums, and mutual funds are only traded once per day after the trading day ends, so you have less control over the trading price. 
Index funds are a type of mutual fund. Rather than being managed by a professional manager, their goal is to replicate the performance of a leading stock market index, such as the S&P 500 or the Nasdaq Composite. 
To start investing, follow these steps: 
Before you can begin investing, you must open an account so you can buy, sell and trade stocks and other securities. For example, you can open an investment advisory account through Acorns and begin investing your money to save for your retirement or a child’s education.
How much you can invest is dependent on your income, expenses and financial goals. Because investing carries risk, it’s generally recommended you have an emergency fund with three to six months living expenses on hand. From there, many experts recommend the 50/30/20 rule – with 20% of your take home pay allocated towards saving and investing for financial goals. If 20% feels like a lot, do not despair. You can start small with as little as $5. Given time, the little amounts you’re able to squirrel away in an investment account can have the opportunity to grow.
Investment accounts can be actively or passively managed. 
Actively managed
Actively-managed accounts have a professional manager or an individual, such as you, handling them. They can be more expensive and are often focused on beating the performance of the overall market. When investing for beginners, seeking out the help of a professional is recommended. 
Passively managed
By contrast, passive accounts are cheaper. Rather than trying to beat the market, passive accounts mimic the performance of a benchmark index. For example, an account may track the performance of the S&P 500, which measures the stock performance of 500 of the biggest companies in the U.S. Historically, passively-managed funds outperform actively-managed funds. According to S&P Global, 93.40% of actively-managed funds produced lower returns than the S&P 500 index over 15 years (as of Dec 31, 2022). 
If you’re looking for some help with your investment decisions, a robo-advisor can be an excellent option to get started investing for beginners. A robo-advisor will ask you questions about your goals and finances and recommend a customized investment portfolio for you. The robo-advisor monitors the market and buys and sells securities, eliminating the need for you to do it yourself. 
To invest your money, enter your brokerage account’s trading platform and enter the amount of money you want to invest. If you’re investing in individual stocks or bonds, the platform will prompt you to enter the ticker symbol for each investment. If you’re using a robo-advisor, you can simply enter the dollar amount you want to invest, and the robo-advisor will invest it accordingly. 
That’s it! You’re now an investor. 
After reading this guide on investing for beginners, you can start investing for your future with more confidence. To help your money grow, utilize these tips: 
If your employer offers a retirement plan, find out if it will match your contributions. According to Vanguard’s 2022 How America Saves report, nearly half of the employers that operate retirement plans also provide matching contributions. It’s basically free money and part of your compensation package, and if you don’t contribute to your retirement plan, you’ll lose out on that perk. 
A common theme among experts that give investment advice is how critical it is to diversify your portfolio. Instead of investing in a handful of stocks or bonds, consider investing in a wide range of funds or ETFs. A diversified portfolio typically reduces the amount of risk you take on since your money is spread across many companies. 
As an investor, focusing on long-term goals can help you make progress towards your goals. The market can fluctuate a great deal from day to day, but historically, it has delivered positive returns over time. Looking at the bigger picture will help reduce your anxiety when your portfolio’s value drops overnight. If you’re interested in investing for the short term, portfolios carrying less risk are generally recommended. 
Even if you don’t have a lot of money to invest, make investing a habit. Making small, regular contributions — even if it’s just $5 or $10 per month — can add up over time. And if you sign up for Acorns’ Round-UpsⓇ feature, you can invest your spare change and help your money grow even more. 
This material has been presented for informational and educational purposes only. The views expressed in the articles above are generalized and may not be appropriate for all investors. The information contained in this article should not be construed as, and may not be used in connection with, an offer to sell, or a solicitation of an offer to buy or hold, an interest in any security or investment product. There is no guarantee that past performance will recur or result in a positive outcome. Carefully consider your financial situation, including investment objective, time horizon, risk tolerance, and fees prior to making any investment decisions. No level of diversification or asset allocation can ensure profits or guarantee against losses. Article contributors are not affiliated with Acorns Advisers, LLC. and do not provide investment advice to Acorns’ clients. Acorns is not engaged in rendering tax, legal or accounting advice. Please consult a qualified professional for this type of service.
Kat Tretina is a freelance writer and certified financial and student loan counselor. 
2. Acorns Checking Real-Time Round-Ups® invests small amounts of money from purchases made using an Acorns Checking account into the client’s Acorns Investment account. Requires both an active Acorns Checking account and an Acorns Investment account in good standing. Real-Time Round-Ups® investments accrue instantly for investment during the next trading window.
3. A properly suggested portfolio recommendation is dependent upon current and accurate financial and risk profiles. Clients who have experienced changes to their goals, financial circumstances, or investment objectives, or who wish to modify their portfolio recommendation, should promptly update their information in the Acorns app or through the website.
4. Acorns Earn provides subscribers access to shop with our partners and earn bonus investments into your Acorns Invest portfolios when purchasing items from the partner brands. Acorns Earn rewards investments are made by Acorns Grow, Incorporated into your Acorns Invest account through a partnership Acorns Grow maintains with each Acorns Earn partner. Acorns may receive compensation from business partners in connection with certain promotions in which Acorns refers clients to such partners for the purchase of non-investment consumer products or services. This type of marketing partnership gives Acorns an incentive to refer clients to business partners instead of to businesses that are not partners of Acorns. This conflict of interest affects the ability of Acorns to provide clients with unbiased, objective promotions concerning the products and services of its business partners. This could mean that the products and/or services of other businesses, that do not compensate Acorns, may be more appropriate for a client than the products and/or services of Acorns business partners. Subscribers are, however, not required to purchase the products and services Acorns promotes.
5. Acorns Subscription Fees are assessed based on the tier of services in which you are enrolled. Acorns does not charge transactional fees, commissions or fees based on assets for accounts under $1 million. Acorns may receive compensation from business partners in connection with certain promotions in which Acorns refers clients to such partners for the purchase of non-investment consumer products or services. This type of marketing partnership gives Acorns an incentive to refer clients to business partners instead of to businesses that are not partners of Acorns. This conflict of interest affects the ability of Acorns to provide clients with unbiased, objective promotions concerning the products and services of its business partners. This could mean that the products and/or services of other businesses, that do not compensate Acorns, may be more appropriate for a client than the products and/or services of Acorns business partners. Subscribers are, however, not required to purchase the products and services Acorns promotes.
6. Acorns is not a bank. Acorns Visa™ debit cards and banking services are issued by Lincoln Savings Bank or nbkc bank, members FDIC. Acorns Checking clients are not charged overdraft fees, maintenance fees, or ATM fees for cash withdrawals from in-network ATMs. Please see your Acorns Subscription Center or Account Statements for a description of the fees you pay to Acorns for its services. Any balances you hold with Lincoln Savings Bank or nbkc bank, including but not limited to those balances held in Acorns Checking accounts are added together and are insured up to $250,000 per depositor through Lincoln Savings Bank or nbkc bank, Members FDIC. If you have funds jointly owned, these funds would be separately insured for up to $250,000 for each joint account owner. Lincoln Savings Bank or nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Acorns Checking accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at
7. Early Payday depends on the timing of the submission of the payment file from the payer and fraud prevention restrictions. Funds are generally available on the day the payment file is received, up to 2 days earlier than the scheduled payment date. Timing may vary. 
8. The ETFs comprising the portfolios charge fees and expenses that will reduce a client’s return. Investors should consider the investment objectives, risks, charges and expenses of the funds carefully before investing. Investment policies, management fees and other information can be found in the individual ETF’s prospectus. Please read each prospectus carefully before investing.
9. Acorns does not provide access to invest directly in Bitcoin. Bitcoin exposure is provided through the ETF BITO, which invests in Bitcoin futures. This is considered a high-risk investment given the speculative and volatile nature. Investments in Bitcoin ETFs may not be appropriate for all investors and should only be utilized by those who understand and accept those risks. Investors seeking direct exposure to the price of bitcoin should consider a different investment. 
10. The ESG (Environmental, social, and governance) investment strategies may limit the types and number of investment opportunities available, as a result, the portfolio may underperform others that do not have an ESG focus. Companies selected for inclusion in the portfolio may not exhibit positive or favorable ESG characteristics at all times and may shift into and out of favor depending on market and economic conditions. Environmental criteria considers how a company performs as a steward of nature. Social criteria examine how it manages relationships with employees, suppliers, customers, and the communities where it operates. Governance deals with a company’s leadership, executive pay, audits, internal controls, and shareholder rights.
11. Invest, an individual investment account which invests in a portfolio of ETFs (exchange traded funds) recommended to clients based on their investment objectives, time horizon, and risk tolerance. 
12. Later, an Individual Retirement Account (either Traditional, ROTH or SEP IRA) selected for clients based on their answers to a suitability questionnaire. Please consult your tax advisor with any questions.
13. Early, an UTMA/UGMA investment account managed by an adult custodian until the minor beneficiary comes of age, at which point they assume control of the account. Money in a custodial account is the property of the minor. 
14. It is not possible to invest directly in an index. Past performance is no guarantee of future results.  
15. Acorns reserves the right to restrict or revoke any and all offers at any time.
16. Compounding is the process in which an asset’s earning from either capital gains or interest are reinvested to generate additional earnings over time. It does not ensure positive performance, nor does it protect against loss. Acorns clients may not experience compound returns and investment results will vary based on market volatility and fluctuating prices. 
17. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal.
18. App rating references the combined all-time star rating received in Google Play and Apple App Store.
19. ‘Save and Invest’ refers to a client’s ability to utilize the Acorns Real-Time Round-Ups® investment feature to seamlessly invest small amounts of money from purchases using an Acorns investment account.
20. The information contained on this website should not considered an offer, solicitation of an offer or advice to buy or sell any security or investment product. The information should not be construed as tax or legal advice. Please consult your tax advisor with any questions.

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