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Each portfolio comprises six low-cost exchange traded funds (ETFs).

Portfolios range from conservative (with a larger allocation of bonds) to aggressive (with a larger allocation of stocks).

How it works: Acorns is an app that is designed to help users invest their spare change by rounding up purchases to the dollar.

Betterment’s algorithm manages your investments for you and rebalances them over time, making sure you’re properly invested in the right mix of funds.To get started, Acorns asks for your age, how long you’re looking to invest, your income, your financial goals, and your risk tolerance.From there, the app recommends one of five portfolio blends.There are plenty of ETFs and mutual funds out there that charge far lower fees.But Acorns’ main selling point is the ease of selecting a portfolio, which takes away the headache of comparing dozens of different funds on your own.Magnify Money is an advertising-supported comparison service which receives compensation from some of the financial providers whose offers appear on our site.This compensation from our advertising partners may impact how and where products appear on the site (including for example, the order in which they appear).How it works: Robinhood is a brokerage service that offers zero-commission stock and exchange traded fund (ETF) trading.Once you sign up for the service and link it to a bank account from which to pull funds, you are ready to trade stocks.Withdrawals take five to seven business days, the company says.That’s because Acorns has to sell the stocks and bonds from your account to cover the withdrawal, which could take up to three business days alone.

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