October 2, 2023 9:57 AM
-
info@notifications.acorns.com
Investing early vs. later — what’s better? 🤔
Saving and investing a little each day can go a long way
Saving and investing a little each day can go a long way The cost of waiting: investing early vs. later Start investing Which investor comes out on top? Let's say two investors put $150 per month into a hypothetical stock earning an 8% return pe
October 2, 2023 9:57 AM
-
info@notifications.acorns.com
Investing early vs. later — what’s better? 🤔
Saving and investing a little each day can go a long way
Saving and investing a little each day can go a long way The cost of waiting: investing early vs. later Start investing Which investor comes out on top? Let's say two investors put $150 per month into a hypothetical stock earning an 8% return pe
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width:1px!important; border-width:0!important; margin-top:0!important; margin-bottom:0!important; margin-right:0!important; margin-left:0!important; padding-top:0!important; padding-bottom:0!important; padding-right:0!important; padding-left:0!important"> <div style="display:none!important; visibility:hidden; font-size:1px; color:#ffffff; line-height:1px; max-height:0px; max-width:0px; opacity:0; overflow:hidden">Saving and investing a little each day can go a long way</div><table id="body" align="center" border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important"><tbody><tr style=""><td class="mobile-strip-padding" align="center" bgcolor="#FAFAFA" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial!important; display:block!important; padding:50px 0 0"><div align="center" style=""><table class="full-width-mobile" align="center" border="0" cellpadding="0" cellspacing="0" width="680" style="border-collapse:collapse!important"><tbody><tr style=""><td align="center" bgcolor="#FFFFFF" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial!important"><table width="100%" bgcolor="#FFFFFF" style="border-collapse:collapse!important; width:100%; height:100%; overflow:hidden; border-radius:0; margin:0 auto"><tbody><tr style=""><td align="center" bgcolor="#FFFFFF" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; padding:0"><table style="border-collapse:collapse!important"><tbody><tr style=""><td align="center" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; padding:30px 0"><a href="#" style="display:block; font-size:0px"><img src="https://assets.build.acorns.com/email/images/Email-Acorns-Logo-Large-Updt.png" width="auto" height="30" style="height:30px; width:auto; line-height:100%; outline:none; text-decoration:none; vertical-align:top; border:0"> </a></td></tr></tbody></table></td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="100%" bgcolor="#F7F4EB" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td class="header-image-with-copy-lockup" align="left" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; padding:70px 84px 0"><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td class="mobile-typography-override-header-2" align="left" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; color:#191919; font-size:46px; font-weight:600; line-height:60px; padding:0">The cost of waiting: investing early vs. later </td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td align="left" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; padding:30px 0px 10px"><table class="cta-wrapper" border="0" cellspacing="0" cellpadding="0" style=""><tbody><tr style=""><td align="left" style="border-radius:100px; font-family:'Avenir Next',Helvetica,Arial,sans-serif!important"><div style=""><a href="#" style="background-color:#74c947; border-radius:100px; color:#ffffff; display:inline-block; font-family:'Avenir Next',Century Gothic,sans-serif,Arial; font-size:16px; font-weight:600; line-height:58px; text-align:center; text-decoration:none; width:fit-content; max-width:368px; box-sizing:border-box; padding:0 90px">Start investing </a></div></td></tr></tbody></table></td></tr></tbody></table><table style="height:0; display:none"><tbody><tr style=""><td style=""></td></tr></tbody></table></td></tr><tr style=""><td align="center" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; padding:0"><table width="100%" border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse!important"><tbody><tr style=""><td align="center" style="font-family:'Avenir Next',Helvetica,Arial,sans-serif!important; color:#ffffff; font-size:0"><a href="#" style="display:block; font-size:0px"><img class="hide-on-mobile" src="https://braze-images.com/appboy/communication/assets/image_assets/images/64e018ad3aa95a7c8125be3e/original.png" width="680" style="width:100%!important; margin-bottom:0px"> <img class="mobile-only-image" src="https://braze-images.com/appboy/communication/assets/image_assets/images/64e018ad1f0a504109b8326f/original.png" width="100%" style="display:none; max-height:0px; overflow:hidden; height:auto; line-height:100%; width:100%; outline:none; text-decoration:none; margin-bottom:0px; border:0"> </a></td></tr></tbody></table></td></tr></tbody></table><table width="100%" bgcolor="#FFFFFF" style="border-collapse:collapse!important; width:100%; height:100%; overflow:hidden; border-radius:0; margin:0 auto"><tbody><tr style=""><td class="main-body-wrapper" align="center" bgcolor="#FFFFFF" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial!important; padding:50px 0 60px"><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td class="custom-full-bleed-image" align="center" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; padding:0"><table width="100%" border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse!important"><tbody><tr style=""><td align="center" style="font-family:'Avenir Next',Helvetica,Arial,sans-serif!important; color:#ffffff; font-size:0"><a style="display:block; font-size:0px"><img class="hide-on-mobile" src="https://braze-images.com/appboy/communication/assets/image_assets/images/64e018ad462d6720703acbc0/original.png" width="680" style="width:100%!important; margin-bottom:0px"> <img class="mobile-only-image" src="https://braze-images.com/appboy/communication/assets/image_assets/images/64e018ad737d8148eccac8d7/original.png" width="100%" style="display:none; max-height:0px; overflow:hidden; height:auto; line-height:100%; width:100%; outline:none; text-decoration:none; margin-bottom:0px; border:0"> </a></td></tr></tbody></table></td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td class="standard-component-padding" align="left" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; padding:20px 84px 30px"><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td align="left" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; color:#191919; font-size:24px; font-weight:600; line-height:33px; padding:0 0 20px">Which investor comes out on top? </td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td align="left" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; color:#191919; font-size:16px; font-weight:400; line-height:24px; padding:0">Let's say two investors put $150 per month into a hypothetical stock earning an 8% return per year. </td></tr></tbody></table></td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%; font-size:0px"><tbody><tr style=""><td class="custom-addtl-space-full-bleed" align="center" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; padding:0"><table width="100%" border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse!important"><tbody><tr style=""><td align="center" style="font-family:'Avenir Next',Helvetica,Arial,sans-serif!important; color:#ffffff; font-size:0"><a style="display:block; font-size:0px"><img class="mobile-only-image" src="https://braze-images.com/appboy/communication/assets/image_assets/images/64e018ad2a7f840ebde75932/original.png" width="100%" style="display:none; max-height:0px; overflow:hidden; height:auto; line-height:100%; width:100%; outline:none; text-decoration:none; margin-bottom:0px; border:0"> </a></td></tr></tbody></table></td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td class="standard-component-padding" align="left" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; padding:30px 84px 30px 0px"><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%; font-size:0px"><tbody><tr style=""><td align="center" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; padding:0"><a style="display:block; font-size:0px"><img class="hide-on-mobile" src="https://braze-images.com/appboy/communication/assets/image_assets/images/64e01d6c7acb640149eeabc1/original.png" width="222" style="width:222px!important; margin-bottom:0px"> </a></td><td class="mobile-strip-padding" align="center" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; padding:0 0 0 40px"><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td align="left" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; color:#74C947; font-size:24px; font-weight:600; line-height:33px; padding:0 0 20px">Investor A </td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td align="left" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; color:#191919; font-size:16px; font-weight:400; line-height:24px; padding:0">puts $150 per month in stocks from the age of 25 to 35 (about $18,000 total). </td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%; font-size:0px"><tbody><tr style=""><td class="custom-addtl-space-full-bleed" align="center" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; padding:0"><table width="100%" border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse!important"><tbody><tr style=""><td align="center" style="font-family:'Avenir Next',Helvetica,Arial,sans-serif!important; color:#ffffff; font-size:0"><a style="display:block; font-size:0px"><img class="mobile-only-image" src="https://braze-images.com/appboy/communication/assets/image_assets/images/64e018adef59be567488a93c/original.png" width="100%" style="display:none; max-height:0px; overflow:hidden; height:auto; line-height:100%; width:100%; outline:none; text-decoration:none; margin-bottom:0px; border:0"> </a></td></tr></tbody></table></td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td class="standard-component-padding" align="left" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; padding:30px 84px 30px 0px"><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%; font-size:0px"><tbody><tr style=""><td align="center" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; padding:0"><a style="display:block; font-size:0px"><img class="hide-on-mobile" src="https://braze-images.com/appboy/communication/assets/image_assets/images/64e01d6c7acb647ccfeeabfa/original.png" width="222" style="width:222px!important; margin-bottom:0px"> </a></td><td class="mobile-strip-padding" align="center" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; padding:0 0 0 40px"><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td align="left" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; color:#38860E; font-size:24px; font-weight:600; line-height:33px; padding:0 0 20px">Investor B </td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td align="left" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; color:#191919; font-size:16px; font-weight:400; line-height:24px; padding:0">waits almost a decade and starts investing when they’re 35. They also invest $150 per month in stocks but for 30 years instead (about $54,000 total). </td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td class="standard-component-padding" align="left" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; padding:30px 84px"><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td class="cust-padding-bottom-body-top" align="left" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; color:#191919; font-size:16px; font-weight:400; line-height:24px; padding:0 0 30px">Each investor earns a hypothetical 8% per year. So the question is: </td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td align="left" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; color:#74c947; font-size:24px; font-weight:600; line-height:33px; padding:0 0 20px">Who will have more money at age 65? </td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td align="left" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; color:#191919; font-size:16px; font-weight:400; line-height:24px; padding:0">Can you take a guess? Keep an eye on your emails next week for the right answer and the full breakdown. Stay tuned! </td></tr></tbody></table></td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="100%" bgcolor="#ffffff" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td class="standard-component-padding" align="center" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; padding:30px 84px"><table width="100%" border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse!important"><tbody><tr style=""><td align="center" style="font-family:'Avenir Next',Helvetica,Arial,sans-serif!important; color:#ffffff; font-size:0"><hr class="full-width-mobile" width="512" style="width:512px; margin:0; padding:0; border-color:#f5f5f5; border-style:solid; border-width:1px 0px"><br style=""></td></tr></tbody></table></td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td class="standard-component-padding" align="left" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; padding:30px 84px"><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td align="left" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; color:#191919; font-size:16px; font-weight:400; line-height:24px; padding:0">Dollar cost averaging is an investing strategy that involves investing consistently and regularly, rather than investing all your cash at once. <br style=""><br style="">Acorns makes dollar cost averaging easy. You can benefit from this time-tested investing approach by setting up an automatic Recurring Investment starting at as little as $5 a day, week, or month. <br style=""><br style="">Plus, when you finish signing up for Acorns, you’ll get a $5 bonus investment — on us!* </td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse:collapse!important; width:100%"><tbody><tr style=""><td align="left" style="font-family:'Avenir Next',Century Gothic,sans-serif,Arial; padding:30px 0px 0"><table class="cta-wrapper" border="0" cellspacing="0" cellpadding="0" style=""><tbody><tr style=""><td align="left" style="border-radius:100px; font-family:'Avenir Next',Helvetica,Arial,sans-serif!important"><div style=""><a href="#" style="background-color:#74c947; border-radius:100px; color:#ffffff; display:inline-block; font-family:'Avenir Next',Century Gothic,sans-serif,Arial; font-size:16px; font-weight:600; line-height:58px; text-align:center; text-decoration:none; 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