Investing Made
Easy
And Why You
Should Start THIS VERY MINUTE!
Imagine saving a few thousand
dollars in just a year. All while still earning your current salary... and
without getting a part time job. Next, imagine that money growing on its own.
Earning you interest every day, as much as 15% or more. All with no effort on
your part. And imagine the total of that money being available to you when you
need it — to pay for those unexpected expenses: car repairs... doctor visits...
a new vacuum... replacing a neighbor’s window... or perhaps your own window.
Or, you might use the money to
take a nice, well-deserved vacation... A relaxing week in Hawaii... A Caribbean
cruise... a weekend trip to Las Vegas...
Maybe you’ll want to leave the
money alone, let it continue to grow until retirement. How much would you be
able to accumulate? Probably more than you can imagine. A lot more.
But, I have good news. You don’t
just have to imagine any of this. It’s all very possible. That’s the
power of investing. The power of using money to make money. And the best time
to start is now. Because the earlier you start, the more you can earn.
Think you don’t have enough
money to get started? That you should wait until you do? Or that it would make
more sense to spend your money on other things? These seem like logical reasons
to put off investing. But, let me tell you, it is a flawed logic. Consider the
following quote from one of the all-time most successful investors in history:
“Nothing sedates rationality like
large doses of effortless money.” - Warren Buffet
But let’s face it, not everyone
can be Warren Buffet, investor extraordinaire. First, most people do not have
that kind of money. Many Americans live paycheck to paycheck. That simply
doesn’t allow for a grand investment portfolio.
Second, most people do not have
that kind of time. We’re busy. We work a job... have things to take care of at
home... doctor visits... meetings to
attend... appointments to keep... and that leaves very little time to pay
attention to things such as investing. But there is a way that even the busiest
person with no stash of extra cash laying around can get in on the
action. A simple way. A painless way. I’ll explain just how you can do
it in a minute.
Third, investing requires more
than just buying a few shares in a stock and then hoping it will grow. It must
be the right stock. The right kind of company. Successful
investing demands a strategy. That takes hours of research... and a thorough
understanding of the stock market — the best practices... procedures... things
to avoid... how to capitalize on an opportunity, etc. To make it profitable,
you have to constantly be aware of what is happening in the market — in real
time. That means tracking each stock and each market on a daily basis. And not
just the US markets (Dow Jones, NASDAQ, S&P 500) but the world markets as
well. But that’s not all. There’s the after-hours trading, so it’s virtually an
around-the-clock engagement. And then, there is the terminology; just to
acquire a basic knowledge of the relevant terms would take months.
Unless that is their job, it is
quite honesty, nearly impossible for anyone to maintain that level of
awareness. So, the common people, people like you and me, were simply left out.
Left to fend for ourselves. Left to depend on luck. And as it happens, luck is
not all that dependable.
Don’t Let
Tradition Hold You Back.
Traditionally, investing
required a fairly large sum of money to get started. Then there were broker
fees, trading fees, and other associated costs. The average working person
could not realistically afford to invest in the stock market. For those who
were able, the learning curve was somewhat daunting. And learning, along with
its setbacks, is not all that enticing when it’s costing you your own money.
Money that could have been spent on necessities like food and rent.
But times have changed. In 2014,
Walter and Jeff Cruttenden launched Acorns, an investment app for
mobile devices, making investing accessible to everyone. The following year,
the web-based version was introduced. Acorns makes investing painless
because you are only investing a few cents at a time and they’ve taken all the
guesswork out of the equation. From their website: “Acorns simplified the
often tedious and complex process of investing. But that doesn’t mean the
investment strategy is any less sophisticated.”
“Our mission is to look after the financial best interests of the
up-and-coming, beginning with the empowering step of micro-investing.”
Micro-investing, investing
small amounts, is what makes Acorns so appealing to many people. People who would never be able to be
investors in the traditional sense.
About The Company.
Acorns is a legitimate and reputable financial service that makes investing
simple and affordable for anyone. Acorns is the only micro-investing
account that allows you to invest spare change. Set up in under 5 minutes and
automatically add money to your diversified portfolio. They do all the work.
All the time-consuming administrative duties. All the research. Acorns offers
a user-friendly platform and is rated the number one investment app for new
investors by Business Insider [2018]. Earlier this year, Forbes
included Acorns in their exclusive FinTech 50. [February 4, 2019]. And Joe Raspolich of TheCollegeInvestor.Com said, “Acorns has continued to innovate,
and it’s raised the bar for micro-investing apps.”
And it’s not just the
financial experts who are raving about Acorns. Take a look at what their
customers are saying:
“I love the concept, especially the roundups...” - J.
Keeling
“... a very easy way to save money and have a little
emergency fund.”
- O. Mahone
“Acorns allows me to invest my spare change and invest just
$10 a month. Those small amounts really do add up.” - J. Smith
“Excellent way to save and invest. The app is easy to use
and does it for you.” - D. Mangold
“I love the round up option with the multiplier!
Before I knew it there was over $300 in there!” - C. Campbell
How
Does It All Work?
There
are many methods of investing with Acorns but the easiest is their
one-of-a-kind Round-ups. When you link a credit or debit card to your Acorns Core
Account, they track your transactions, round up the purchase to the next
dollar, and invest that amount. For example: If you spend $9.56 on breakfast, Acorns would
deduct .44 from your bank account and add that to your Acorns Investment
Account. You
choose from one of five pre-built “smart portfolios,” ranging from conservative
to aggressive. If you’d like to invest more you can easily do so by taking
advantage of the multiplier selection. Simply set your desired multiplier and
automatically invest the round-up amount multiplied by 2, 3, or 10. (Note: They
let the small amounts accumulate until the balance reaches $5.00 before
deducting it from your checking).
You
also have the option of adding additional funds at any time. Instead of
stashing a few dollars a week in a traditional savings account — which
currently pays about 2% interest — you can add that money to your Acorns
Account and take advantage of the earning power of the stock market. All of
this with no broker fees or transaction fees.
But
Wouldn’t Putting My Money In A CD Be Smarter?
A CD
or, Certificate of Deposit, does have advantages. But it also has several
disadvantages. A CD can cost thousands of dollars and the return is
astonishingly low. Current rates are around a half percent for a six-month CD.
Longer term CD’s can offer a slightly higher rate — but not much —generally
only 1.5%. And keep in mind, any money invested in a CD is locked up for the
entire length of the term. It’s still your money, but you can’t access it. So
those unexpected expenses that plague all of us: a broken phone... medical bills... a pet emergency... increased utility bills... a speeding
ticket... fundraisers... gifts...
Unless you have thousands of
dollars lying around that you are certain you won’t need for six months, a
year, or longer, a CD is probably not for you. But with Acorns, you
get a better option. Unlike a CD, you need only a small amount to open up an
account... you’ll get a much higher return on your investment... your money is
instantly available... and you can access or transfer funds instantly. With
just a few clicks you can move your money funds to another investment — within Acorns, to a
different platform or into your bank account. Plus, your first six months with Acorns is
entirely FREE! Yes, FREE. I’ll tell you how to take advantage of the FREE offer
but before I do, I forgot to mention some of the other programs Acorns offers.
And now, back to the price. It’s
fairly simple. After the first month, which is free, Acorns charges
$1.00 per month until your account value reaches $1 million. Since we’re
talking spare change, the first few months, with an account of less than $100,
that fee may seem a little high but keep in mind that as your investments grow,
the fee does not. So, years from now when your spare change has turned into a
few thousand, the monthly fee will remain just $1.00 for the basic plan, known
as Acorns Core. They also offer $2 and 3$ monthly plans.
Try it
Risk-Free for Six Months.
Remember that I said you could
get Acorns FREE for six months? Here’s how. When you take advantage of
this limited-time offer by clicking on one of the links in this post, Acorns
will give you $5.00 to get you started. That’s their way of saying thanks for
your business. After the initial free month, the $5.00 will cover the next five
months’ fee. That’s six months, absolutely FREE. So, you can try it out
risk-free for an entire six months. If you find that the investing thing is not
for you, simply cash out what you’ve accumulated and close your account. You
have nothing to lose. And if you’re a student...
Acorns
Core at the $1/month Level is FREE for College Students.
If you’re in college Acorns
just got better! The basic plan, Acorns Core, is FREE for college
students. You pay nothing as long as you’re enrolled in college. In other
words, there’s absolutely nothing to lose.
“Acorns offers a unique solution to overcoming the mental barrier: ‘I
just don’t have enough money to be investing.’”
Acorns really is investing made simple. Invest as
little or as much as you want. There is no downside. Click on the link below to
get started.
One other thing: Acorns
has an extensive array of tracking features, charts and graphs, that help you
see exactly how much you’ve invested, what return you’re currently getting, and
how much you can expect to earn over time, by year. This makes it super easy to
see how your money is working for you. Of course, if you’d rather not bother
with all the numbers, if you’re not the facts and figures kind of person, you
can set it and forget it. Take a few minutes to determine what you want to
invest in and then you never have to touch it. Either way, rest assured, your
money will still be there working for you.
