## Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns -

Investing for wherever you are in life — all in one app

**Acorns Invest**  
Invest for your goals, like a car or a home. You can even get started with just your spare change.

**Acorns Banking**  
Banking with built-in investing. We’ll invest a portion of your paycheck for you every time you get paid.

**Emergency Fund**  
Automatically set money aside for those “rainy days” and earn 4.02% APY — that’s over 9.5x the national savings account APY average.

**Acorns Later**  
Get an IRA plan recommended for you and your future goals, plus tap into potential tax advantages as you invest.

**Acorns Learn**  
Grow your financial knowledge with videos, articles, and tips for investors both experienced and new.

**Acorns Earn**  
Earn bonus investments just for buying the stuff you were going to buy anyway. Find offers from thousands of top brands across our app and browser extensions!

## What can squirrels teach us about money?

Acorns was designed to help us humans follow in the (very tiny) footsteps of nature’s greatest investor — the squirrel! Here are some financial principles we’ve learned from our furry friends.

### Tiny can turn mighty with time

When a squirrel looks at an acorn, they don’t see a small nut. **They see a mighty oak in the making**! All it takes is time.

**Acorns is built for long-term investing,** because no matter how much (or how little) you have, the power of time can give your money a chance to grow.

### Don’t put all your nuts in one place

Squirrels bury them all over! In investing, that’s called **“diversification.”** It means your money is spread across a mix of asset types — and it **can help reduce risk**, too.

Acorns makes it easy to mix things up by recommending **diversified portfolios** built by experts that **match your money goals.**

### Acorns can turn into more acorns

Sometimes when a squirrel buries an acorn, it grows into an oak tree — and then **that oak tree makes more acorns!**

**That’s basically how “compounding” works** — and why Acorns automatically reinvests your dividends and your capital gains. We know money can’t grow on trees, but it can grow on itself!

### Go slooow

One squirrel can collect over 10,000 acorns each year. That kind of stockpile doesn’t happen all at once. **Squirrels slowly build up their acorn fortune,** one cheekful at a time.

Acorns helps you **invest at your own pace**, too. Automatically add as little as $5 to your account every day, week, or month and you can **give your money a chance to grow** without busting your budget.