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Acorns vs. Stash

As you know, Acorns and Stash have pretty similar business models; they’re both Investment apps designed to help you create an investment portfolio by periodically investing and saving small amounts of money.  These robo advisors will help you determine your risk tolerance and investment goals. They’ll also offer some tools and ideas to meet those goals.

We broke down the main features for you when comparing Acorns vs. Stash: minimum deposits, main features, asset classes, algorithms, and more. 

Main Takeaways: Acorns vs. Stash

  • Stash is for beginning investors who want a little more say in their portfolios than Acorns – Try Stash
  • Acorns is for new, budget-conscious investors looking for guidance – Try Acorns

$1 Per month accounts < $5000 balance 0.25% Annual fee accounts > $5000

Best For
  • Microinvestors
  • Beginners, which it calls the up-and-coming
  • College Students

$1 Per month accounts < $5000 balance 0.25% Annual fee accounts > $5000

Best For
  • Hands-off investors, who require advice and assistance
  • Beginners
  • Investors who want to invest in specific industry groups/sectors

Acorns vs. Stash: Minimum Deposit, Commissions and Fees

Acorns has no minimum deposit but you need to accumulate $5 to start investing. In its basic package, Acorns Core charges a $1 per month fee. If you add to the basic package, Acorns Later, the fee is $2 per month.

The basic package, Acorns Later and Acorns Spend, cost $3 per month. This pricing is valid until you reach $1 million. The basic package is free for college students. Since Acorns uses ETFs, you’ll want to pay attention to the ETF expense ratios.  

Stash has a minimum deposit of $5 and it’s free in the first month after the account opens. After the first month, Stash Invest and Custodial accounts charge $1 per month for accounts under $5,000.

The accounts with $5,000 and more have an annual flat fee of 0.25%. Stash also uses ETFs, so check those expense ratios. Stash Retire costs $2 per month for accounts below $5,000 and 0.25% for accounts over $5,000. But, if you’re under 25, Stash will manage your account for free. 

Acorns vs. Stash: Asset Classes

Acorns lets you invest in seven ETF classes: real estate, government bonds, large companies, small companies, emerging markets, international large companies, and corporate bonds.  

You can invest in both individual stocks and ETFs with Stash, and there are more than 100 available investment assets.

Acorns vs. Stash: Investing Methodology

Both Acorns and Stash ask you about your financial situation, investing goals and risk tolerance. After that step, Acorns recommends one of its five portfolios to you:

  • Conservative
  • Moderately conservative
  • Moderate
  • Moderately aggressive
  • Aggressive

Stash doesn’t invest for you. Instead, it gives you recommendations and you have to choose how to invest your money. During the whole process, Stash is there to give you choices, tools, and tips to build a portfolio.

Acorns vs. Stash: Main Features

Best For
  • Microinvestors
  • Beginners, which it calls the up-and-coming
  • College Students


  • With its Round-Ups feature, Acorns lets you invest spare change from your everyday purchases.
  • It links your checking accounts, debit cards and credit cards to the Acorns Core, rounds up your everyday purchases to the nearest dollar and invests the difference.
  • There is also Acorns Later, designed to help you save for retirement. When you sign up for this feature, Acorns selects the right IRA for you.
  • Acorns Spend is a checking account with a debit card that saves, invests and earns for you. It also helps you make smarter decisions.
  • Found Money is a part of Acorns’ Spend package and it automatically invests in your Acorns Core account when you shop with one of the Found Money partners. For example, If you purchase something at Nike, it is going to invest 5% of your purchase for you.

Read Benzinga’s full Acorns Review

Best For
  • Hands-off investors, who require advice and assistance
  • Beginners
  • Investors who want to invest in specific industry groups/sectors


  • Stash offers Stash Retire, which helps you pick the retirement account that is right for you and helps you maximize your tax savings.
  • You can open a custodial account with Stash. Any adult can open an account for a minor, not just parents.
  • Stash allows its clients to learn about investing with its StashLearn center
  • It also has Stash banking in order to open a checking account with a debit card. With this feature, you can keep more money through transfers, learn to make smarter spending decisions and you can get up to 10% of your cash back at over 10,000 merchants nationwide.    

Read Benzinga’s full Stash Review  

Acorns vs. Stash: Mobile Apps

Both robo advisors have mobile applications available in iOS and Android. They’re easy to use, engaging and clearly understandable. You can easily see your balance, holdings, return and you can also use them to deposit or withdraw money.    

Both Acorns and Stash have a mobile app and an online web platform, so you can use them on-the-go or at home with ease.  

Final Thoughts on Acorns vs. Stash

If you want the ability to trade individual stocks and if you would like more control over your portfolio, Stash might be your best option. If you are more interested in accumulating money and you don’t need more assets to invest than a couple of ETFs, then Acorns might be better tailored to your needs.

If you’re still not sure where to invest, check out a comparison of Acorns vs. Betterment, our picks for the best micro investing apps and the best robo advisors.

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