Acorns helps people proactively invest by making it easier to set money aside. One key feature is their round-ups: Acorns rounds up each transaction to the nearest dollar and invests the rounded-up change into a diversified portfolio. Users receive the option of choosing a portfolio that is in line with their investment goals and the amount of risk they’re comfortable taking.

Acorns has expanded its services to include financial advising resources, Individual Retirement Accounts (IRAs), and deposit accounts with debit cards that feature rewards similar to those of credit card cash back rewards programs.

The primary mission of Acorns is to make it easier to invest. Passive round-ups and monthly contributions to premade portfolios ensure that even novices with no interest in or knowledge of investing practices can begin the process of building wealth over time. Their service is especially helpful for younger generations who don’t want to navigate the world of financial advisors and stock market news.