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好物推荐 | 躺着理财的投资助手acorns

&NewLine;<&excl;--more-->&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【写在前面的话】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>久闻acorns大名,一直没有空研究。最近才跳了坑,觉得相见恨晚。真的应该早点玩acrons的,特别适合我这种比较忙对理财又不是很懂的小白。<br><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>acrons家比较著名的就是round up program。通过绑定账户之后,比如你的卡在星巴克消费了&dollar;2&period;6,那acrons就会round up最近的整数,那差值的&dollar;0&period;4就会打入到你的账户里进行投资。下面会细说。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5Yb4d4MxBer2Cyuzia7gZ4iaM6zRPDGPytaibG39Rc3GOoP5xpaHdUbYRAS1hSSHibfia99Cz0GTuBRHBRQ&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【开户奖励】<&sol;strong><br><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>通过我们的推荐链接注册账户完成一次投资,可以拿&dollar;5:<a href&equals;"https&colon;&sol;&sol;www&period;acorns&period;com&sol;invite&sol;H9YZAE">https&colon;&sol;&sol;www&period;acorns&period;com&sol;invite&sol;H9YZAE<&sol;a> ï¼ˆä¹Ÿå¯ä»¥ç‚¹å‡»å·¦ä¸‹è§’”阅读全文&OpenCurlyDoubleQuote;获取链接)<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>注册的时候除了姓名生日以外,还需要social security number。不会产生hard pull,所以大家不用担心。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【绑定银行和投资分析】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>在注册的时候会让你link自己的银行账户,你可以选择先skip,也可以填写了。因为投资账户需要track你的消费并且从你的checking里pull money to invest,所以skip后面还是需要绑定银行的。绑定银行的过程是转接到你选择的银行平台进行验证(比如我目前绑定的amex),acorns本身不会存储你的银行登陆信息,所以安全性请放心。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5Yb4d4MxBer2Cyuzia7gZ4iaM6P2Cw0VuoNXYwxpklHwV8CHdRVfxNodg7KiawuQxBCtvppbHPBLib3YhQ&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5Yb4d4MxBer2Cyuzia7gZ4iaM6Xdpe3ZAzPiaye8ojInPwaJMHDzkBqJ92lVMfIGrTkicUFmnW97aYelcw&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p>同时,acorns还问一些问题来量化你的投资preference,然后设置了各个项目投资的比例。如果你不满意,也可以通过investment的设置来进行修改。我自己目前选的是moderate这档。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5Yb4d4MxBer2Cyuzia7gZ4iaM6Wp8wB3qSjZ7oKryOX5JDN3CzricxHoGXMEYf9baUEHjDx5LZqrsbSEg&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【Round Up Program】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>这个是acorns主打的program。原理前面提到过了,简单来说,就是你信用卡消费以后,acorns从你的checking里pull零钱过来自动投资。当然,也可以设置多倍零钱,来加速这个投资的过程。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5Yb4d4MxBer2Cyuzia7gZ4iaM6nLBibyO2UG5AGD3YVxmic6MnW4gAuvXDvuE7sXUlV6bgy2OPRcG1jibhg&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5Yb4d4MxBer2Cyuzia7gZ4iaM6ibNTNicxPpJZaV6x3Jia8eX62qZTnyee9cva2zU2icXz3Aicqo4YaVMR8hA&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【Fund Money Program】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>这个有点类似返现网站啦。你通过它们合作的伙伴点进去消费之后返现的金额会被自动用来投资。返现有按照比列的,也有按照金额数目的。我个人觉得比较好的一些partner包括:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5Yb4d4MxBer2Cyuzia7gZ4iaM6fW9PhOBBQDVpqd&fjlig;FrFV2Ux5luCYNByEdiamlfueHGGc03kwjxMQLbA&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5Yb4d4MxBer2Cyuzia7gZ4iaM6mTz2ibO1N30j9eLoWT8552qlmd9ND8bdGdaIMdMIwuo4Bfdn1ibNpic2g&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5Yb4d4MxBer2Cyuzia7gZ4iaM6m8ZLdfc19rKM7kzrkF7gYSEibNXpfeWVEcDxCj5ia3tkJnick6eOvZmLA&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5Yb4d4MxBer2Cyuzia7gZ4iaM6dBNg2Sc07pYlF4GGibg7wSusZNRBNGGuuMY6rangIXMkN9pCpouQrng&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【礼品卡充值】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>acorns的使用还有一个技巧,就是它家可以通过acorns的礼品卡向账户充值。礼品卡在paypal,walmart这些地方有出售。如果遇上信用卡有高额返现(比如上个季度discover在paypal的5&percnt;返现)还是很划算的。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【账户费用】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>acorns一共有三档账户,其中最低档使用edu结尾的邮箱注册是免费的。<br><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5Yb4d4MxBer2Cyuzia7gZ4iaM6Gics9Be7Lf2jyIyqb0v52PI6ZpI0v4PmgzOMdRXRppZhQMVZSEkl1tw&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p>除了账户基本费用外,注资、转账、取现均没有额外手续费。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>&ZeroWidthSpace;<br><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<hr class&equals;"wp-block-separator"&sol;>&NewLine;&NewLine;&NewLine;&NewLine;<p>差不多介绍到这里啦。建议下载一下它家的app,设计的非常好,在苹果的app store里打分也很高。如果你有其他使用acorns的心得,欢迎分享哦。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>你可能还感兴趣的话题:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list"><li><a target&equals;"&lowbar;blank" href&equals;"http&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650450820&amp&semi;idx&equals;1&amp&semi;sn&equals;371fc6de27e3485022537436d8c4067c&amp&semi;chksm&equals;88f4b49ebf833d88269d0477a60415d2a2b1ffb35de69152e57c5ed94c188d58e3bf5f756128&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noreferrer noopener">好物推荐 &vert; 快速完成开卡消费的神器Plastiq &&num;8211&semi; 用信用卡也能付房租学费tax以及其他各类utilities!<&sol;a><br><&sol;li><li><a target&equals;"&lowbar;blank" href&equals;"http&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650449736&amp&semi;idx&equals;1&amp&semi;sn&equals;b8ff7741e7deedffd0907bea8d4e5edd&amp&semi;chksm&equals;88f4b852bf833144a4797c514781a70aa0ca2caa861bb1333d0fed12f08ce3858ac670b36a98&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noreferrer noopener">好物推荐 &vert; 返现软件Dosh和它的限时注册奖励<&sol;a><br><&sol;li><li><a target&equals;"&lowbar;blank" href&equals;"http&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650448299&amp&semi;idx&equals;1&amp&semi;sn&equals;1b7d2a326da3b217e0ceb34f4accae51&amp&semi;chksm&equals;88f4beb1bf8337a7bc58354f5dbac8548fb0c1318049381bf37b4351478846c0074058e4f400&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noreferrer noopener">好物推荐 &vert; 使用mint管理各种信用卡和银行账户<&sol;a><br><&sol;li><li><a target&equals;"&lowbar;blank" href&equals;"http&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650448234&amp&semi;idx&equals;1&amp&semi;sn&equals;37979fc27019278fbae5b0b06abdfb60&amp&semi;chksm&equals;88f4be70bf83376689c734c905dc6c351bd735f8068a3aa8dd552a4b64822a6f84d8aee2cb1b&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noreferrer noopener">好物推荐 &vert; 航空酒店常旅客账户管理神器Award Wallet<&sol;a><br><&sol;li><li><a target&equals;"&lowbar;blank" href&equals;"http&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650447973&amp&semi;idx&equals;1&amp&semi;sn&equals;fc62c3f0fe16c42940539e76b215df14&amp&semi;chksm&equals;88f4bf7fbf83366902b1dfe91c6803d068b6ad4c89c02c9a43067c20df41407e766d118eb12c&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noreferrer noopener">好物推荐 &vert; 实体购物手机购物的返现神器Ibotta<&sol;a><br><&sol;li><li><a target&equals;"&lowbar;blank" href&equals;"http&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650446750&amp&semi;idx&equals;1&amp&semi;sn&equals;6dff6b133ed5e8473ce616ae8963a533&amp&semi;chksm&equals;88f48484bf830d926c95c585f5c0159b36c130ee7a40447de20d823b838345aba7600dd8d261&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noreferrer noopener">好物推荐 &vert; Swagbucks赚零花钱攻略<&sol;a><br><&sol;li><&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5YYxZWL25XoFS4dlRjQ05SwVAvva2GgWXD4AZzax3wVNaaWLUYmxmsrokXaHd8msibwict73BiavrBofA&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;

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