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Which Is The Best: Acorns Or Stash?

It can be difficult to choose the right platform for online brokers and advisor apps. It is possible to make an informed decision about the right platform by doing research and asking for advice.

If you are a new investor looking for an app to help you get started, Stash and Acorns should be on your radar. Both apps have a low barrier to entry and no minimum account balance.

Acorns and Stash can help you to figure out your risk tolerance and build a growth strategy with automated savings built-in. Individualized advice based on your portfolio selection is offered by both Acorns and Stash.

Is Acorns or Stash better? There is an overview of how the two micro- investing apps compare. It is important to consider the pros and cons of each app before making a decision.

Acorns vs Stash: The Basics

Here is a quick look at how both Acorns and Stash stack up. The two most popular micro-investing apps are Acorns and Stash, so let’s take a closer look at how they compare.

Acorns Stash
Acct. Min. $0 to open; $5 to invest $0
Acct. Mgt. Fees $3 and $5 per month subscriptions $3 and $9 per month subscriptions
Acct. Types Roth, Traditional, and SEP IRA, individual brokerage accounts, debit account, custodial accounts Roth and Traditional IRA, individual brokerage accounts, debit account, custodial accounts, robo-investing
Portfolio Options 5 portfolio choices; 7 classes of assets 3 portfolio choices; thousands of ETFs and stocks
Cust. Service Email; web resources; chat support; limited phone support Email; web resources; limited phone support
Auto. Rebalancing Included Included
Tax-loss Harvesting Unavailable Unavailable
Invest with Acorns Invest with Stash

About Acorns

Founded in 2012, Acorns adds a twist to micro-investing.

Rather than moving funds to your account and investing in fractional shares on your own, you simply link your bank account or card to the app and let it work.

All of your purchases are rounded up to the next dollar to fund your investments. Round-ups can be an easy way to save money, without changing your spending habits.

If you want to grow your investments more quickly, you can round up your purchases to higher amounts, like $5 or $10. You can automate your investments so that you don’t have to think about it. You can schedule deposits as well. You can easily set up recurring payments to save time and effort, and you can manage them all in one place.

There are two subscription options, an individual plan and a family plan. The family plan provides up to five users with access, while the individual plan allows for one user.

About Stash

Stash is a personal finance app that launched in 2015, offering subscription plans that include banking, budgeting, and investing.

Instead of requiring an account minimum to start investing, it is a savings based micro- investing app. It’s easier for anyone to start investing in the stock market, even if they don’t have a lot of money.

You can invest in fractional shares for $1 or less with thousands of stocks to choose from. There are educational resources to help you build an investing strategy tailored to your goals.

Rather than a Stash is a robot advisor that helps you build a portfolio and invest in themes that interest you. It’s easy to get started with Stash, and it requires little to no maintenance on your part.

You can link your bank account to the Stash app so you can transfer money quickly. The Stash app can help you manage your finances and start investing with as little as $5.


At the lowest cost, Acorns offers the most value.

If you want to invest with Acorns, you need at least $5 to start.

Both of the apps are subscription based. The price for each app is reasonable, making them a great value. Here’s a closer look at their plans and how they compare:

Acorns Fees

  • For $3 a month, you get a retirement account and a fee-free checking account. With the retirement account, you can plan for the future and have peace of mind that your finances are taken care of.
  • All of the above are included in the $5 family plan. This plan is a great way to teach your children financial responsibility while setting them up for long-term success.

If your account is under $1 million, there are no transaction fees or commissions. You can start investing with as little as $5 if you sign up.

If you have $1 million or more in your account, youraccount will be charged at 0.25% regardless of the subscription rates above. If you have a smaller account balance, you could be paying less in subscription fees.

Stash Fees

  • Growth: At $3 a month, you get either a A tax-advantaged IRA retirement account is included in the Personal Portfolio or Smart Portfolio. By investing in both a personal portfolio and a tax-advantaged IRA retirement account, you can ensure that your financial future is taken care of.
  • For $9, you get 2 custodial accounts, a debit card with double Stock-back rewards, life insurance, and a monthly market report. For only $9 a month, the Stash+ plan provides financial security and peace of mind.

Both are competitive on pricing, from their subscription setup to account management fees. It’s important to compare all costs associated with each option before making a final decision.

Investment Fees

There are still some fees associated with the actual funds thatAcorns and Stash try to limit as much as possible. These fees can’t be avoided and are usually set by the fund provider.

The ETFs on offer from Acorns come with some of the lowest fees in the industry

Low-cost options and more expensive ones are available from Stash. The average fees are between 0.07% and 0.95%.

It’s an average thatAcorns wins out in terms of affordability, making it a better deal with both its investment fees and account management expenses. It’s an economical and smart way to start building wealth, as the fees and expenses make it a great choice for those who are just starting to invest.

Unless you are investing a lot of money, Acorns and Stash are neck and neck. Acorns and Stash are great places to start investing for beginners.


There is a lot to offer new investors when it comes to features, with each bringing something unique to the table. Both Acorns and Stash are great options for beginners, as they provide an easy entry point to investing with low minimums and helpful guidance.

Here are some of the basic features you can find with both Stash and Acorns. Both Stash and Acorns have mobile apps that are easy to use.

Acorns and Stash Shared Features

  • One of the biggest draws of both of these apps is that they let you start small. You don’t need a lot of money to start investing, just a few dollars can get you started. Even if you don’t have a lot of money, Acorns and Stash will work for you. You can make the most of your money if you have a fee-free account.
  • If you want to advance your goals quickly, both apps allow you to schedule deposits or increase the round-up amount that goes into your investment account. You should always be aware of the risks associated with aggressive investing.
  • You can invest on your level with multiple subscriptions. You can cancel your subscription at any time.
  • With fully functional mobile apps, you can get a desktop-level experience on your phone. The easy way to keep track of your investments is provided by the apps.
  • Both apps offer some level of automation, depositing funds and investing them for you based on your preferences. If you want your funds to be invested according to your goals and risk tolerance, you can change your preferences.
  • New investors can learn a lot from the educational content on Stash and Acorns. Anyone can get started with investing, regardless of their experience level.
  • You can open an investment account for your children with a custodial account. You can help them build a financial future early on by setting up automated recurring investments.

It depends on the type of experience you are looking for, since both apps offer many of the same basic features. The decision is up to you.

What is unique about each app? It’s important to remember that each app can be used in many different ways.

Acorns Features

  • Acorns is designed around the idea of rounding up purchases to the dollar and putting it into your investment account. The result is a painless way to save money.
  • When you shop with one of the partner brands,Acorns puts money in your investment account. The Found Money feature is free to use and requires no steps from the user in order to start earning money.
  • You can manage your investments online, too, with a desktop version of Acorns, which provides investors with a desktop experience. You can make adjustments to your portfolio on the desktop platform.
  • A checking account that comes with a metal debit card, bonus investments, spare change investing, and full banking services is called Acorns Spend. It’s a great way to get started on your financial journey, as it provides all the tools you need to make smart decisions with your money.

Stash Features

  • Investment coaching can help you assess your risk tolerance, pick your investment interests, and establish your goals, then help you build your portfolio. INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals INRDeals
  • You can invest based on issues that are close to your heart with Stash. You can make a difference by investing in companies that are making a positive impact on the world. You can use the app to pick themed portfolios. It allows you to adjust your portfolio to maximize returns.
  • You can put your investing on auto-pilot, setting up scheduled deposits, round-ups, and Smart-Stash, which can find extra money in your account and invest it based on a maximum you set. It’s a great way to save for the future without having to think about it.
  • Unlike other investment platforms, the rewards program at Stash is stock-back. You can earn fractional shares of stock in the companies you shop with by using a linked debit or credit card. It gives you fractional shares in the companies where you spend your money. You can start to build a portfolio of investments without paying any fees.


How you invest, and what funds are available to invest in, looks a little different depending on whether you invest with Stash or Acorns. It’s important to review the features of each platform before deciding which one is right for you, as both Stash and Acorns offer low-cost investment options that allow you to manage your money with ease.


You will provide Acorns with your investment goals and financial information when you sign up with them. You will be offered tailored investment advice based on the information you give them.

Acorns will put you in a risk category and design a portfolio for you. You can change the risk level of your portfolio at any time.

From there, you can choose an asset class to invest in, including the following ETFs:

  • Vanguard S&P 500 ETF
  • Vanguard Small-Cap ETF
  • Vanguard FTSE Emerging Markets ETF
  • Vanguard REIT ETF
  • iShares iBoxx$ Investment Grade Corporate Bond ETF
  • iShares 1-3 Year Treasury Bond

While Stash has more individual stocks and ETFs than Acorns, Acorns has more portfolio presets:

  1. Conservative
  2. Moderately conservative
  3. Moderate
  4. Moderately aggressive
  5. Aggressive

Your portfolio will be tailored to your goals and risk tolerances. It’s important to review your portfolio regularly to make sure it’s in line with your goals.


To gauge your risk tolerance, you need to fill out a quick questionnaire. Honest responses will help Stash give you the best investment advice.

While still allowing you to add investments outside of their recommendations, Stash gives you a list of recommended ETFs and suggested allocations to help you create your portfolio. Stash provides tools to help you monitor your portfolio’s performance and ensures that you are able to stay up-to-date with your investments.

Though you can create your own portfolio, Stash also comes with a The smart portfolio feature will invest your money into diversified funds to meet your investment goals. The Smart Portfolio feature is designed to be easy to use, so that you can start investing quickly.

With Stash’s Smart Portfolio, you’ll be categorized as either:

  • Conservative
  • Moderate
  • Aggressive

You can invest as little as $0.01 with fractional shares.

The Stash portfolio has more variety, but the Acorns portfolio has more advantages.

Human Advising

Neither of these apps are ideal if you are looking for an investment platform that integrates assistance from a living breathing financial advisor.

Investing down to the basics is what Stash and Acorns do. Users are provided with guidance and resources to make informed decisions about their investments, rather than relying on human advisors.

These outlets are more for trouble-shooting in the app and answering account questions than they are for sharing investment advice. The customer service representatives are not trained to give specific advice on investments or other financial matters.

If you’re in need of a Robo advisor with hands-on advice, you should look beyond these two investment apps.

User Experience

It is a neck and neck race between the two. It’s up to the user to decide which app is best for them.

Both of these apps are easy to use. They both offer a great user experience that makes managing your finances simpler. These apps are simple even if you have never invested before. You can start with a small amount of money and grow it over time.

You can move funds to and from the account quickly. These accounts are ideal for people who need to access their funds quickly.

You can download the app on any device. Both apps are free to use, and you can start with minimal investment. The desktop features of Acorns are more robust than those of Stash. TheAcorns desktop platform allows users to manage their investments more efficiently and gives them greater control and flexibility than the mobile app.

If you are looking for something simple and user friendly, you should use either app. Doing a side-by-side comparison of features and benefits can help you make the most informed decision.

Acorns vs Stash: Which App Is Right for You?

Depending on your preferences, you should invest with Acorns or Stash. Before making a decision, it is important to do your research and consider the pros and cons of each platform.

If you want a hands-off investing experience with as much automation as possible, Acorns is 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110 888-739-5110

However, if you’d like to try your hand at investing in individual stocks and want to play a more active role in building your portfolio, Stash may be your best bet.

You won’t go wrong with either micro- investing app, thoughAcorns has a slight competitive edge over Stash.

You can start investing in low-cost funds with pocket change, and grow your account as you go. You don’t have to be an experienced investor to get started.

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