Acorns: Invest For Your Future 4.145.0

Acorns is a financial platform designed to assist individuals in saving, investing, and enhancing their financial health. The service features automation in saving and investing processes, aimed at nurturing both financial growth and well-being.

The ethos of Acorns emphasizes that financial wellness should be accessible to everyone, regardless of income level. The focus is on achieving balance with existing resources, fostering habits that include smarter spending, saving for future needs, and investing effectively.

With over 13 million users contributing to an investment pool surpassing $22 billion, Acorns positions itself as a viable option for those looking to embark on their financial journey. New users can initiate the process in under five minutes with minimal starting capital.

Security is a priority at Acorns, as evidenced by features such as two-factor authentication, fraud protection, 256-bit data encryption, and a digital card lock system. Investment accounts are protected by SIPC insurance up to $500,000, while checking accounts benefit from FDIC insurance up to $250,000.

App Features Include:

Invest:

• Easy, Automated Investing
  Your funds are systematically allocated into diversified ETF portfolios curated by professionals. Users can utilize Round-Ups® for seamless investing with spare change or establish automatic recurring investments starting at just $5.
• Bitcoin Investment
  Users may allocate up to 5% of their diversified portfolio towards a Bitcoin-linked ETF, allowing them to engage with the cryptocurrency market.
• Custom Portfolio Options
  Investors can tailor their portfolios by selecting individual stocks from a choice of over 100 prominent U.S. companies.
• Retirement Investment
  Prepare for retirement through an Acorns Later account and benefit from a 3% IRA match on new contributions available with a Gold subscription.
• Youth Investment Accounts
  Acorns Early Invest offers dedicated accounts for children's investments, including a 1% match on contributions.

Savings Features:

• Emergency Fund
  A savings feature designed for unforeseen expenses offers a competitive APY of 4.05% to stimulate growth.
• Checking Account with APY
  Utilize the Mighty Oak debit card while earning a 2.57% annual percentage yield on checking account balances.

Additional Features:

• Youth Financial Education
  The Acorns Early debit card promotes financial literacy among children through the Gold subscription.
• Bonus Investment Opportunities
  Users can earn bonus investments from over 15,000 participating brands and enjoy limited-time referral bonuses reaching up to $1,200.
• Financial Education Resources
  A wealth of articles, videos, courses, and live Q&As is available to enhance users' understanding of investment and savings strategies.

Subscription Plans:

Acorns offers tiered subscription plans tailored to both novice investors and families planning for future financial stability. The structure is transparent with no hidden fees or additional costs—just a straightforward monthly charge that enables users to begin growing their wealth.

• Bronze ($3/month): Basic investing tools to initiate your financial journey.
  - Round-Ups®
  - Expert-curated diversified portfolio
  - Retirement account
  - Checking account, among other features.
• Silver ($6/month): Enhanced saving and investing capabilities.
  - All Bronze features
  - 1% IRA match on new contributions
  - Emergency fund access
  - Educational resources including courses and live Q&As.
• Gold ($12/month): Comprehensive suite of tools for families.
  - All Silver features
  - 3% IRA match on contributions
  - Children's investment accounts with a 1% match
  - Smart money app and debit card for kids
  - Options for individual stock purchases
  - $10,000 life insurance policy
  - Complimentary will creation services.

*Note: ETF refers to Exchange-Traded Fund—a collection of various stocks or assets.
**Note: APY means Annual Percentage Yield—the interest earned from bank deposits within a year.

For further details regarding disclosures, please refer to the official site at www.acorns.com/disclosures.

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