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Acorns Vs Stash: A Comparison of the 2 Top Micro-Investing Apps

Acorns Vs Stash

Micro-investing apps allow novice investors to automatically invest little money in stocks even without substantial knowledge in the stocks market. They craft for you a portfolio of stock and funnel your extra cash for a gradual gain. Acorns and Stash are the leading micro-investment apps aimed designed for beginners who want to grow their money but lack the time or expertise to manage it. Each option mixes education and automation to help users understand what they can do to achieve their goals.

So, which one is better? Neither of the apps is a full-powered Robo-advisor that deploys algorithms and advanced software solutions to manage a varied portfolio of investments. Both Acorns and Stash focus on ease of use but with a stronger advisor component that helps you build a portfolio based on your preferences. Here are the main differences between the two top micro-investment apps:



Acorns is a mobile investment app that allows you to invest with spare change. If you’re not a natural saver, Acorns can be a perfect way to begin investing money. It allows you to literally accumulate investment capital from your ordinary spending habits.

When Acorns first launched, the app allowed you to connect your bank account as well as your credit card. When you make a charge for $7.5, 50 cents is held to be moved to your Acorns account. The process is referred to as Round-Up. When you connect your mobile phone to your credit card and bank account, the app automatically invests the change from your purchases. You can choose to set up round-ups based on the next $1 or the next $10. Once your round-up reaches $5, it is transferred to your Acorns account.

The moment you sign up, you’ll get Acorns Spend Account, an FDIC-insured checking account that comes with a Visa debit card. Acorns features are fully integrated into the account and you can view round-ups in real-time. They’ve also negotiated lucrative cashback offers from over 350 Acorns Found Money partners, including Airbnb, Nike, and Chevron. Sometimes, you can get up to 10% cashback deposited into your Acorns account.

Acorns have also introduced Acorns Later, a retirement account that recommends the right IRA for your needs. The app determines your investment profile based on the information you provide through a questionnaire. You can choose from up to 5 portfolios, each comprised of a mix of 6 low-cost ETFs. Portfolios can be conservative or aggressive, and Acorns fully manages the account.

In terms of fees, you pay $1 per month if your account balance is less than $5,000 and 0.25% per year after your account balance surpasses this threshold.

What Acorns Does Right

  •          It’s a perfect app for people who have been unable to save and invest money on their own.
  •          The savings method is totally passive, all you have to do is spend money as you always do and the spare change is automatically funneled to your investment account.
  •          You can get bonus cash backs from some retailers.
  •          No minimum account balance required and you don’t need to set up recurring deposits.
  •          The app is available for free for full-time students.

What Acorns Could Improve On

  •          You have to set up a new banking account (Acorns Spend).
  •           The fee structure makes it expensive on small balance accounts.
  •          The use of just 6 ETF’s is a little on the lower side.




Stash is another great investment app that runs on smartphones, but it’s not a Robo-advisor. You’ll have to pick your own investments. Investors can save as little as $5. When you sign up for your Stash account, you’ll fill up a brief questionnaire to determine your risk tolerance. But rather than slotting you into a standard portfolio, they’ll create a customized portfolio based on 30 different investment themes made with 250 different ETFs.

Stash doesn’t manage your portfolio. They simply make investment recommendations and let you handle the mechanics of investing. In terms of service fees, Stash shifted (in August 2019) to a flat fee structure regardless of the level of your investment. The lowest level is STASH Beginner at $1 per month. The middle tier is STASH Growth at $3 per month while the higher tier STASH+ costs $9 per month. With the higher tier, you get extra services and a personal brokerage account, 2 custodial investment accounts, a retirement account, a metal STASH Debit Card, and monthly market insight reports.

What Stash Does Right

  •          Offers 30 different investment themes that allow you to choose specific market niches.
  •          The fee structure is straightforward – monthly fees as opposed to a percentage of assets.
  •          You can choose your investments and individual stocks.


What Stash Could Improve On

  •          Stash doesn’t manage your investments. You can only use their recommendations but do the investing work yourself.
  •          You pay fees strictly for investment recommendations.
  •          The flat fee structure could eat into your investment for small amounts (say less than $100).


Which One Is the Best?


It depends on your priorities as an investor. If you want a micro-saving app that helps you save more money while accumulating a bit of investing, Acorns could be your best option. But, if you are a novice investor who needs a bit of hand-holding as you work your way into the world of investment, Stash could work better. Overall, Acorns features similar base features as Stash but incorporates more useful portfolio management tools. Although both apps offer low-cost funds, Acorns is cheaper on the whole. Stash, on the other hand, lets you select your thematic interests from a broader pool of ETFs.

There are several other platforms for novice investors looking to earn some income in stock trading even without substantial knowledge in the stock market. At Remoreminers.com, we strive to research and present to you the most legitimate ways to make money online. Feel free to ask questions in the comment box below!

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