Is there risk involved in my investment?

Article author
Alexander G.
  • Updated

Yes. The securities you own are always subject to market fluctuations. Market volatility can be unnerving, but it can also be an opportunity for investors. 

The big lesson we want all investors to remember is to keep going — over time, the market has bounced back from tough times. So, give losses a chance to get better and think about the chances for growth.

Your Acorns portfolio is built and managed with long-term investing in mind. Here are a few other key benefits, especially in moments like these:

Modern Portfolio Theory

Modern Portfolio Theory, developed by Dr. Harry Markowitz, guides how Acorns creates our portfolios. These portfolios aim to give you the most return for the level of risk you're comfortable with.


Acorns ETF Portfolios can spread your money across more than 7,000 stocks and bonds. This means if one company you've invested in fails, you won't lose everything because your money is in lots of different places. It's like not putting all your eggs in one basket.

Automatic Rebalancing

Given the market's ups and downs, we've developed technology to regularly adjust your portfolio. For instance, if your portfolio is meant to have equal parts bonds and stocks, but the stock market does better over time, your portfolio might end up with more stocks than bonds. In that case, we'll automatically rebalance your portfolio by selling some stocks and buying more bonds. This ensures your portfolio stays diversified, with the right mix of investments.

Regular Investing

Our tools, like Round-Ups® and Recurring Investments, help you invest small amounts regularly. This proven investing strategy, called Dollar-Cost Averaging, can help you make the most of the stock market over time. For example, invest $100 a month for a year, instead of $1,200 all at once. 

We can't make the market more predictable, but we are providing the tools to help you take advantage of the stock market over time.

To learn more about the stock market, check out Learn in your Acorns app.

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