Summary While no dividends were paid, the Acorns account appreciated by $28.98. Betterment reports on a quarterly basis, so no report is available for this month. Prosper continued it’s steady returns with $36.33 over principle repayments. Because the Prosper loans return principle and interest throughout the month, the account is securing more dividend-paying loans throughout the month, valued well in excess of income it returned. Swagbucks retuned only $5.00 Perk returned nothing. I only run Perk when I’ve finished earning SwagBucks, and I do the daily quiz for 3 cents a day because I’m a masochist. I really think Perk isn’t worth it anymore. The big passive breakouts this month were shopping loyalty program rebates and Ebates, returning $77.50 combined.Read More →

Summary The market instability in March continued in April resulting in investment value losses in the Betterment account of $37.45. However, that account earned $43.15 in dividends which covered the losses. Currently the Acorns account is set to an aggressive portfolio which includes a lot of real estate and foreign stocks. This seems to have counteracted the US market volatility. While the return on the Acorns account was not great, it did show positive earnings of $9.12. However, the market instability has still resulted in significant losses from which the investments are still recovering. Compare monthly results here. This month the Prosper account showed the importance of diversification. It returned $35.56 over principle. Critically, since my loans on Prosper returnRead More →

Today Acorns (internal link) announced a new service, Acorns Later – investing in a tax advantaged account according to your profile. Basically, Acorns will peruse your profile and ask some questions and recommend either a Traditional, Roth or SEP IRA. This IRA can be funded from recurring payments (like Betterment (internal link), or any other IRA servicer) or incidental investments you choose to make. The cost of Acorns Later is $1.00 per month. I already invest in IRA’s from Aspiration, and Betterment which, given the amount of money I have invested, have much preferable cost structures. Still, Acorns works well for some, and I have generally been very happy with their performance. My Acorns investment account is an aggressive one,Read More →