stash vs. acorns Businessman holding plant sprouting from a handful of coins

Which Is Better To Invest Change

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Acorns vs. Stash is the controversy between two fashionable micro-investing apps that permit customers to begin investing with just some clicks.

Both funding apps permit customers to develop their funding accounts and begin making passive earnings over time with a taxable brokerage account. 

When it comes to picking between an app like Acorns vs. Stash, it will depend on private preferences and monetary targets.

Whatever funding app you select, getting began with a private funding account is straightforward and may be carried out with little cash.

Stash Vs. Acorns Overview

Both Acorns and Stash are low-cost funding platforms that may make investments spare change and extra, however let’s see how would do greatest in every platform:

Stash Is Best For


  • Investors who need to make their very own investments
  • Those who need to put money into fractional shares
  • Parents who want extra a number of custodial accounts

Acorns Is Best For


  • Investors who desire a extra automated strategy to investing
  • People who need to purchase fractional ETFs
  • Those who strive a easy strategy to investing
  • Parents who want solely 2 custodial accounts


Stash is an funding app by Stash Investments LLC that means that you can get monetary savings and make investments it in numerous choices.

You can select from shares, bonds, and even cryptocurrencies provided by Stash, an SEC-registered funding adviser.

The app makes it simple to start out investing and presents numerous instruments that can assist you benefit from your cash.

We reviewed the Stash app and located it to be an effective way to start out saving and investing cash.

Account Plans

stash plans

Stash presents two completely different account plans that can assist you save on your future: Stash Growth and Stash+.

Stash Growth

Stash Growth is a premium plan for these able to take their financial savings to the subsequent degree.

You’ll get a number of options, together with the Stock-Back® Card*, plus extra superior instruments and assets that can assist you attain your monetary targets together with your Stash private funding account.

With the Stash Growth account, you’ll have entry to extra superior instruments and assets that can assist you attain your private finance targets together with your Stash investments.

This features a Smart Portfolio, which makes use of algorithms to handle your investments robotically, and a Retirement Portfolio, which helps you intend for retirement.

You’ll additionally get a Stash Stock-Back® Card*, which provides you entry to your account at any fee-free ATMs**, and Stock-Back® Card* rewards at choose retailers.


The Stash+ account is geared extra towards skilled buyers who need entry to extra superior instruments and assets.

With this account, you’ll obtain all the advantages of the earlier two tiers, two custodial funding accounts for youngsters, and a month-to-month market insights report.

You’ll additionally obtain a Stock-Back® Card*, the place you will get 2x Stock-Back® rewards***  rewards on purchases.


The month-to-month charges for the Stash accounts are:

Stash Growth: $3 month-to-month for automated investing. This taxable brokerage account has a better month-to-month charge as a result of it presents Smart Portfolios and Retirement Portfolio.

Stash+: $9 per 30 days. This account included all the pieces within the Growth account, plus accounts for the kids and month-to-month reviews.

There are some further charges that Stash costs:

  • Money switch: $0; 1% for an instantaneous switch
  • Transferring ACAT to a different establishment: Industry Standard – $75 

Stash clients can withdraw funds from their account(s) for gratis, and there aren’t any charges for promoting investments.

The $75 charge is just an industry-standard exterior ACAT switch charge; an ACAT charge is barely related in the event you select to maneuver your belongings to a different brokerage agency. 

Account Types

There are a number of funding accounts out there with Stash, together with retirement accounts, custodial accounts, and Smart Portfolios.

Retirement Accounts

With Stash Retire, you possibly can select from a standard IRA or Roth IRA. These account sorts have completely different tax advantages, so seek the advice of a monetary advisor to find out which is best for you.

Custodial Accounts

kid saving money

Custodial accounts are funding accounts which can be arrange for minors. A dad or mum or guardian manages the account, however the youngster owns the belongings within the account.

They mean you can save on your youngster’s future whereas instructing them about cash and investing.

You can open a custodial account for youngsters as younger as newborns, and Stash will make investments their cash robotically in age-appropriate ETFs (exchange-traded funds).

The advantages of a custodial account with Stash embrace:

  • Automatically make investments your youngster’s cash in age-appropriate ETFs
  • Teach your youngster about cash and investing from a younger age
  • Get a head begin on saving on your youngster’s future

Smart Portfolios

Smart Portfolios is Stash’s Robo-advisor service. With the Smart Portfolio service, you possibly can put money into a portfolio of ETFs tailor-made to your funding targets.

They’re funding portfolios which can be managed by algorithms, designed that can assist you attain your monetary targets.

You can select from a wide range of completely different portfolio sorts, relying in your threat tolerance and funding targets.

Investment Options

Stash presents a wide range of funding choices, together with shares, ETFs, and even choices to put money into particular sectors or themes.

You may also select a socially accountable portfolio possibility that screens firms based mostly on their environmental and social impression.

The funding advisory companies provided by Stash embrace computerized rebalancing and tax-loss harvesting:

  • Automatic rebalancing is when your account is robotically rebalanced to keep up your required asset allocation.
  • Tax-loss harvesting is when losses in your portfolio are used to offset beneficial properties and scale back your tax invoice.

Stash Round-Ups

dollar bill spare change money

Stash Round-Ups are an effective way to speculate your cash robotically.

With Round-Ups, your checking account is linked to your Stash account, and Stash will spherical up your purchases to the closest greenback.

The spare change out of your financial institution accounts is robotically invested in a diversified portfolio that matches your threat tolerance and targets.

This characteristic may be turned on and off, so not all purchases have round-ups to speculate.


Auto-Stash helps you robotically make investments by way of roundups and recurring transfers.

You could select how a lot cash you need to save out of your checking account towards your funding selections and arrange an computerized deposit.

The cash is straight away transferred out of your checking account to Stash, so setting a method to start out investing is easy.

Stash Pros & Cons

stash investing

Now that we’ve given you all this data on Stash, right here’s a rundown of the nice and unhealthy of utilizing Stash:


  • Variety of funding choices
  • No investing minimal
  • Can have your Smart Portfolio robotically rebalanced
  • Low-cost month-to-month charges
  • Stock-Back® Card1
  • App is accessible on Android and Apple Store


  • Does not provide a tax-loss harvesting technique
  • No entry to human advisors or personalised monetary recommendation


If you’re in search of a superb technique to begin saving and investing, Acorns is a good possibility. Acorns is an app that enables customers to avoid wasting and make investments their spare change. The app’s user-friendly interface and numerous options make it a superb selection for individuals who need to begin investing.

We did a evaluate of Acorns and located it to be a superb approach for brand spanking new buyers to get began.

Account Plans

Acorns pricing

Acorns has 3 plans for investing: Acorns Lite, Personal, and Family.

Acorns Lite

Acorns Lite provides you entry to the fundamentals of investing, particularly the round-up characteristic that we’ll discuss down beneath.

You can make investments with tons of choices, get bonuses from Acorns companions, plus study investing with their schooling articles.

Acorns Personal

Acorns Personal is a low-cost possibility for newbie buyers.

With this funding account, you possibly can make investments, save for retirement, and handle your private finance with a money administration account that features banking merchandise and a debit account.

You additionally get checking account companies supplied by Lincoln Savings Bank or NBKC financial institution, FDIC members for Acorns Checking account holders, and are issued a steel debit card.

Acorns Family

The Acorns Family plan contains the options listed within the Acorns Personal plan, together with particular person funding accounts. It additionally contains the UTMA/UGMA funding accounts for teenagers.

You additionally get a web based banking account with a debit account, direct deposit, personalised retirement recommendation, funding recommendation, and different monetary planning instruments with the Acorns Family plan.


Acorns costs month-to-month charges for his or her two funding account plans to make use of the Acorns app. The charges for the Acorns accounts are:

Acorns Personal: Acorns costs $3 a month for his or her Personal account. This account sort is appropriate for people who find themselves beginning to make investments and need to be taught extra about investing.

Acorns Family: The month-to-month charge for this account is $5. This account sort is appropriate for individuals who have youngsters. It permits mother and father to have an account for his or her youngsters and educate them about investing.

Account Types

Acorns presents a wide range of funding sorts. They provide a retirement account, an funding account for teenagers, and sensible portfolios.

Retirement Accounts

retire old man money

Acorns presents a wide range of retirement accounts to their customers. They provide IRA accounts, Roth IRA Accounts, and SEP IRA Accounts.

IRA Accounts

IRA accounts are an effective way to avoid wasting for retirement. With an IRA account, you possibly can contribute cash every year and save for retirement. You additionally get tax breaks in your contributions.

There are two sorts of IRA accounts: Roth IRA and Traditional IRA.

With a Roth IRA, you possibly can contribute after-tax {dollars} to your account. This signifies that you’ll not get a tax break in your contributions.

However, the cash in your account will develop tax-free. When you attain retirement age, you possibly can withdraw the cash out of your account tax-free.

With a Traditional IRA, you possibly can contribute pre-tax {dollars} to your account. This signifies that you’re going to get a tax break in your contributions.

The cash in your account will develop tax-deferred. When you attain retirement age, you’ll have to pay taxes on the cash you withdraw out of your account.

SEP IRA Accounts

A SEP IRA account is a person retirement account. This account sort is appropriate for self-employed individuals and small enterprise homeowners. With a SEP-IRA account, it can save you for retirement and get tax advantages.

Custodial Accounts

Like Stash, Acorns additionally presents 2 custodial accounts, that are funding accounts for youngsters beneath the age of 18.

The account permits mother and father to handle their youngsters’s funds and teaches them the significance of saving and investing. The account additionally teaches youngsters in regards to the inventory market and the way it works.

Smart Portfolios

The sensible portfolios provided by Acorns are an effective way to start out investing. They’re low-cost and diversified, making them a superb selection for brand spanking new buyers.

Acorns presents a wide range of funding sorts on your Acorns account, together with sensible portfolios. These portfolios are designed to present you publicity to each home and worldwide shares, bonds, REITs, and EFTs.

Banking Options

You could have your private checking, funding, and retirement account in a single app utilizing Acorns.

With over 55,000 fee-free ATMs inside the AllLevel Network nationwide and worldwide, you’ll immediately make investments spare change and save from any hidden charges.

You additionally could withdraw funds to your linked checking account from the app. In addition, it’s FDIC-insured for as much as $250,000, plus fraud safety and an all-digital card lock.

Investment Options

What’s nice about Acorns is that it’s a hands-off service for buyers.

This signifies that you don’t need to actively handle your individual funding selections on your funding account or fear about making trades. Instead, the app will do all the give you the results you want.

The completely different low-cost funding selections out there on Acorns are:

  • ETFs: ETFs are a kind of funding made up of a basket of shares. Acorns presents over 7,000 completely different ETFs to select from.
  • Smart Portfolio: The Acorns app will create an funding portfolio for you with funding selections made up of ETFs based mostly in your threat tolerance.
  • Sustainable ESG Investing: The Acorn Sustainable Portfolios are made up of Exchange Traded Funds (ETFs) that intention to present publicity to extra environmentally pleasant companies whereas replicating a traditional portfolio’s efficiency.

Acorns Round-Ups

Acorns Round-ups is a novel service that’s an superior automated investing characteristic for hands-off buyers. It helps customers make investments their cash.

With Acorns, customers can hyperlink their checking account to the Acorns app.

Once the account is linked, the Acorns app will spherical up every buy made with the linked checking account to the closest greenback.

If you buy a espresso for $3.50, Acorns will spherical up the acquisition to $4.00 and transfer the change out of your checking account to speculate the $0.50 distinction right into a portfolio of your selection.

Acorns Bitcoin ETF

crypto bitcoincrypto exchange

The Acorns Bitcoin ETF is a superb approach for brand spanking new buyers to start out investing in cryptocurrency. It can also be a sensible choice for buyers who’re in search of a hands-off funding possibility.

It is a brand new funding possibility just lately added to the Acorns app. This ETF is a technique to put money into Bitcoin with out buying and storing the digital foreign money your self.

The ETF is made up of a basket of Bitcoin shares, which helps to cut back the danger related to investing in Bitcoin.

The ETF additionally permits buyers to get publicity to the cryptocurrency with out worrying in regards to the Bitcoin market’s volatility.

Acorns Earn

Acorns Earn is a characteristic that allows you to earn cash whenever you store at certainly one of their 10,000 companions.

There is a Chrome extension you can set up to make use of on your on-line purchasing. The retailer companion will contribute a proportion of your buy into your funding account.

To get the inventory rewards earned, you simply want to make use of a card linked to your account whenever you make the acquisition. It will take 60 to 120 days for the rewards to point out up in your funding account.

Make positive to examine the record of companions typically. It typically modifications as they add and take away retailers.

Acorns Education

If you need to be taught extra about investing, Acorns has an Education part on their web site. This is a superb useful resource for brand spanking new buyers who need to be taught extra about the right way to make investments their cash.

The Education part contains articles, movies, and podcasts. They cowl matters resembling saving cash, budgeting, investing fundamentals, and retirement planning.

Acorns Pros & Cons

Acorns homepage

Acorns is nice for lots of people, however listed below are the benefits and drawbacks of this funding app:


  • Roundups may be taken immediately from a checking account
  • Get a debit card with each tiers
  • Offers curated portfolios
  • Custodial accounts may be arrange for youngsters
  • The app is accessible on Apple App Store and Android


  • Does not provide human advisors
  • Investments can’t be handpicked
  • Does not have a tax loss harvesting characteristic
  • Monthly charges may be excessive for an account with a low stability

Key Takeaways

investing graph

Both Acorns and Stash are two of the greatest funding platforms, but it surely’s important to decide on the one that’s best for you. Consider your funding targets and preferences earlier than making a choice.

Remember that investing entails threat. There’s all the time the potential that you’ll lose cash whenever you put money into securities with Acorns vs. Stash.

There are some key variations between Acorns vs. Stash that you have to be conscious of earlier than deciding which one is best for you.

If you’re in search of a hands-off funding platform that provides computerized portfolio rebalancing and tax-loss harvesting, Acorns is likely one of the greatest funding selections.

On the opposite hand, in the event you’re extra keen on having extra management over your investments and accessing a extra complete vary of funding choices, Stash is the higher possibility.


Stash Disclaimer:
Paid non-client endorsement. See Apple App Store and Google Play critiques. View essential disclosures.
Nothing on this materials must be construed as a suggestion, advice, or solicitation to purchase or promote any safety. All investments are topic to threat and will lose worth.
*Stash Banking companies supplied by Stride Bank, N.A., Member FDIC. The Stash Stock-Back® Debit Mastercard® is issued by Stride Bank pursuant to license from Mastercard International. Mastercard and the circles design are registered logos of Mastercard International Incorporated. Any earned inventory rewards will probably be held in your Stash Invest account. Investment services supplied by Stash Investments LLC and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.
Cryptocurrency buying and selling and execution companies are supplied by Apex Crypto LLC (NMLS ID 1828849) via a software program license settlement between Apex Crypto LLC and Stash Financial, Inc.  Apex Crypto shouldn’t be a registered broker-dealer or a member of SIPC or FINRA and is licensed to have interaction in digital foreign money enterprise exercise by the New York State Department. Cryptocurrencies usually are not securities and usually are not FDIC or SIPC insured. Advisory services are provided via Stash Investments LLC, an SEC registered funding adviser. Cryptocurrency is a extremely risky funding; please make sure that you absolutely perceive the dangers concerned earlier than buying and selling crypto. Visit
**Get fee-free transactions at any Allpoint ATM, see the app for location particulars, in any other case out-of-network ATM charges could apply. For a whole record of charges please see the Deposit Account Agreement for particulars.
 ***1% Stock-Back® rewards out there solely on Stash+ ($9/mo) and just for consumer’s first $1,000 of Qualifying Purchases in every calendar month program. See Terms and Conditions for particulars.
“Kids Portfolio” is a custodial UGMA / UTMA account. Money in a custodial account is the property of the minor. This sort of account is a Non-Discretionary Managed account.
Stash has full authority to handle a “Smart Portfolio,” a discretionary managed account. Diversification and asset allocation don’t assure a revenue, nor do they eradicate the danger of lack of principal. Stash doesn’t assure any degree of efficiency or that any consumer will keep away from losses of their account.

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