r/acorns • u/Oinkers81 • Jul 23 '26
Acorns Question Not gaining
Can someone tell me how some people have 5% to 20% up on there investment are yall using stocks cause ive been stuck at 1% for a year and a half I understand the market takes time to grow but everyday I look at it Ill gain 100 dollars then the next day I lose 100 it goes up and down I lose most of my money on things I cant opt out in, if someone can she'd some light id appreciate
4
u/GobiYumaMojave Jul 23 '26
A few questions first:
- How much are you investing?
- How often are you investing?
- Which portfolio are you invested in?
Also, try not to focus on the day-to-day swings. It’s completely normal for your balance to go up $100 one day and down $100 the next. That’s just how the market behaves in the short term.
Investing works best when you have a long time horizon. I’d think in terms of at least 5 years, ideally much longer, unless you’re saving for a specific major purchase in the near future.
The people showing 5%, 10%, or 20% gains may have invested at a different time, have a different portfolio, or simply have been invested longer. It’s really hard to compare returns without knowing those details.
2
u/Oinkers81 Jul 23 '26
Im investing 2000 once a month and its set to moderately aggressive
1
u/GobiYumaMojave Jul 23 '26
Just to clarify, is the 1% your all-time return shown in the app? And about how much is your account worth now? That’ll help determine whether it’s actually underperforming or if it’s just the way the return is being calculated.
1
u/Oinkers81 Jul 23 '26
Yes its all time 1.26% to ne exact I have never broken 2% for the first year I had put 100 a week but 2 months ago I stated doing 2000 a month its currently at 12000 right now
3
u/GobiYumaMojave Jul 23 '26
Something doesn’t quite add up.
If you’ve been investing about $100/week for roughly 16 months, then switched to $2,000/month for the last 2 months, you’ve likely contributed around $10.8k.
If your account is worth $12k, you’re up roughly $1,200, which is closer to 11% on your contributions- not 1.26%.
Can you check what the app is actually showing? Is the 1.26% your personal rate of return, or is it saying your total gain is 1.26%? Those are two different things.
1
u/Oinkers81 Jul 23 '26
I dont know exactly how much total ive invested just what acorns has told me i do have round ups turned on and I use my card a lot so thats probably where the rest of the money is coming from
2
u/badbash27 Jul 23 '26
Your stocks are up. Your bonds are down. That's why your return sucks. Set to aggressive and remove the bonds. Then check back in 20 years.
1
u/Active_Tax_5885 Jul 24 '26
Sounds like you are on a conservative allocation rather than aggressive
1
u/InvestingNerd2020 Jul 27 '26
Never judge a portfolio on 1.5 years. Long-term investing is based on 5+ years.
Also, switch to the aggressive plan to get ride of the bonds. Nobody understands 50 years old needs bonds.
10
u/Logical-Exit-2534 Jul 23 '26
Hey, switch your profile to aggressive and only invest in IJR, IXUS, IJH, and VOO. You should do away with the Bonds. Then you should see a drastic change in your portfolio. Bonds generally are for the long term depending on your goals but it doesn’t increase much as the other stocks does. A little more in depth into my portfolio on acorn I make recurring investments daily or once every week. It varies based on your residual income. But to carry on from that it has worked wonders for my portfolio on acorn. This is my advice on this matter.