My Acorns Investment App Moderately Aggressive Portfolio After 1 Year

About this video

Sean gives a one-year update on investing with Acorns. He says his total investment is $5,627 with a gain of roughly $557 to $567, about 10% growth for the year, which he notes sits at the higher end of the 6 to 12% average he cites for stocks. He stresses he did not invest it all at once — he started with about $100 to test it, then added a couple thousand and later about $2,000 more up to roughly $5,500 — so most growth happened in the last six months. He likes Acorns’ round-up feature, which automatically invests spare change from linked card purchases, acting like an automatic savings account for people who struggle to save. He chose the moderately aggressive / moderate growth portfolio, which he describes as an 80/20 split of stocks to bonds, balancing growth with a safety net, versus higher-growth options that are fully in stocks. He points to cashback through Acorns partners and to dividends starting to stack up after investing a few thousand, with December a particularly good dividend month. He says his separate Roth IRA index funds grew about 9%, so Acorns performed better, and he plans to turn on recurring deposits and increase round-ups. He cites an app projection that his roughly $6,000 could grow to $120,000 if left alone, framing Acorns as slow, steady, automated growth.

Key takeaways

• After about a year he reports $5,627 invested and roughly 10% growth, built up in stages rather than one lump sum
• He uses the moderately aggressive portfolio, described as about 80% stocks and 20% bonds for growth with some safety
• The round-up feature is his main appeal: spare change from purchases is automatically invested, enforcing saving
• Dividends and partner cashback became noticeable once a few thousand dollars were invested
• He plans to add recurring deposits and raise round-ups, saying Acorns beat his Roth IRA index funds (about 9%) over the period

Episode details: published March 2, 2020 · 7:12 long. Summary written by Self Growth Videos from the episode itself. Business results and any income figures mentioned are Sean Dollwet’s own claims, shared for education — they are not typical or guaranteed.

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