Investing your money is the most common path to wealth. You can potentially outperform inflation and build a large nest egg before retirement. Titan and Acorns simplify investing and give you several choices to achieve long-term returns. Your money is valuable and should go into the investing solution that feels right for you. We will discuss the differences between Titan and Acorns so you can decide where to put your money.
Titan: Overview
Titan is an investing app that offers exposure to the stock market and crypto. They have actively managed portfolios with low account minimums and low fees. Titan also provides crypto management services for people who want a more straightforward path into cryptocurrencies.
How Does Titan Work?
Don’t like the idea of staying on top of the news and researching many companies to find the best stocks for your criteria? Professional investors manage Titan’s funds. They will do all of the research and make the tough decisions so you can focus on other areas of your life. The best ways to grow your portfolio are to increase your income and lower expenses. The returns make a difference in the long run, and Titan’s professionals handle that for you.
Titan’s professionals explain what they’re doing and will answer your questions. You will hear back from an expert when you ask a question. Titan only selects the creme de drop of investment experts and analysts. They have won awards and have several years of experience in achieving strong returns for clients.
Unlike most actively managed funds, Titan lets investors take out funds at any time. In addition, Titan’s portfolios come with no lockups and zero performance fees. While hedge funds may require thousands of dollars as your minimum investment, you only need a $100 minimum investment to get started with an actively managed Titan portfolio.
Acorns: Overview
An Acorns account provides you with many ETFs, mutual funds, and smart portfolios that adjust as your portfolio grows. You can invest in Bitcoin through their app without worrying about digital wallets and vulnerable passwords. Acorns has a debit card that uses a round-up feature to turn every transaction into an investment. For example, if you spend $17.30, Acorns will round it up to $18. The remaining $0.70 will go into your portfolio.
How Does Acorns Work?
Acorns has expert-made portfolios starting at $3/mo. They offer a hands-off solution to investing and will automatically reallocate your portfolio as asset concentrations and market conditions change. Robo-advisors manage the portfolios to mitigate risk and capitalize on opportunities. Acorns has features that extend beyond investing. Acorns also lets you create bank accounts and get debit cards through their app. You can have your accounts in a single app instead of logging into multiple accounts to access your funds.
Acorns users can explore job opportunities on the app. The company has a job marketplace similar to what you would find on LinkedIn or Google. Acorns has a list of over a million full-time and part-time jobs for you to review. You can filter the search to show remote work or find an opportunity near you.
Where Titan Shines
- Active management: A team of professionals will manage your portfolio and make decisions. Titan is not a typical robo-advisor that adjusts your holdings based on an algorithm. An analyst on the team will answer your questions, and management will share updates about their latest moves.
- Crypto management: Bitcoin skyrocketed from $0.08 in 2010 to over $67,000 at its peak. Even at roughly $40,000, Bitcoin gave early investors a once-in-a-lifetime opportunity. Some altcoins like Dogecoin and Shiba Inu have provided that type of return. Crypto managers have the time and resources to capitalize on emerging altcoins before they go mainstream. You won’t have to worry about doing any research or creating a digital wallet.
- $100 minimum: Some hedge funds charge thousands of dollars to get started. You only need $100 to get started with a Titan portfolio.
- No lockups: Some hedge fund managers lock up transactions when they can’t afford to lose money. During these lockup periods, investors cannot sell their positions in hedge funds. These lockups can create significant stress and frustration, and some people may need their funds for an emergency expense. Titan’s actively managed portfolios have no lockups. You can sell your share at any time. While Acorns also offers this perk, it’s more significant that Titan offers this advantage since they operate actively managed funds.
Where Acorns Shines
- Wide ETF selection: Since Acorns doesn’t have actively managed funds, they can provide more ETFs for their customers. You can find the right portfolio on Titan, but Acorns has a few more available.
- Partnerships with retailers: You can use an Acorns debit card to receive cashback from hundreds of partnering retailers. Acorns also lists millions of available full-time and part-time jobs. You can filter job results to show remote or local opportunities.
- All-in-one financial app: You can set up a bank account through Acorns and access other features. If you want to use one app for all of your finances, Acorns can help. If you prefer to use several apps for your financial health and get a better team overseeing your portfolio, Titan’s investment app makes more sense.
Titan Vs. Acorns: Investment Methodology
Titan operates like a hedge fund. Professionals manage your money and help you outperform the market. You don’t have to be an accredited investor to get started with Titan. This distinction separates it from traditional hedge funds, which often require accreditation to invest with them. Acorns provides ETFs that operate under algorithms. This app can pump out more ETFs since no one actively manages them.
Titan Vs. Acorns: Investment Options
Acorns gives investors more choices. Acorns users can select many investing strategies, while Titan has three core stock portfolio investment strategies:
- Titan Flagship Portfolio: Large-cap U.S. growth stocks for investors with lower risk tolerances
- Titan Opportunities Portfolio: Small and mid-cap U.S. growth stocks for investors with a higher risk tolerance
- Titan Offshore Portfolio: International growth stocks for investors with a higher risk tolerance and a desire to diversify beyond U.S. investments
Although Acorns offers more ETFs, Titan shines when it comes to crypto. Acorns users can get Bitcoin, but Titan has actively managed crypto accounts that invest in altcoins as well. You can learn more about this crypto investment strategy on Titan’s website.
Titan Vs. Acorns: Investment Features
Acorns offers more investment features than Titan. Rather than provide too much information for customers, Titan focuses on actively managed accounts, so you spend less time in your portfolio. Both companies offer the following features:
- Fractional shares
- Rebalancing — Titan does this with people while Acorns uses robo-advisors
- Exposure to crypto — Titan provides more choices than Acorns
- Mobile apps
- Automatic investing at your preferred frequency (i.e., daily, weekly, monthly, etc.)
Both companies offer great features for their customers. Acorns has more capabilities (i.e., jobs, cashback opportunities, debit cards, bank accounts, etc.) while Titan gives you a better investing experience. Titan investors feel confident in the professional, award-winning investors who manage their money.
Titan Vs. Acorns: Minimum Initial Deposit
Titan has a $100minimum deposit requirement for its funds. Acorns wins this category with zero minimums. Titan’s minimum deposit accounts for active management and is a bargain compared to hedge funds’ minimums.
Titan Vs. Acorns: Returns On Investment
Titan has produced stronger returns than Acorns, but Titan hasn’t been around for as long as Acorns. If Titan’s early start is an accurate indication of their future track record, their active funds can outperform Acorns’ ETFs.
Titan Vs. Acorns: Which One Should You Use?
Titan and Acorns each offer great features and can help with your financial goals. While Acorns operates as an all-in-one mobile app, Titan provides an excellent financial product for investors seeking actively managed funds. Acorns’ funds start at $3/mo, while Titan charges a $5/mo management fee. If you want to spend less time in your portfolio and feel confident in your invested money, Titan is the better choice.
The average investor may not want to spend as much time in their portfolio as active traders. You can get strong returns and strengthen your personal finances without spending significant time in your portfolio. Investors seeking higher returns and a hands-off approach should create an account on Titan’s website and download their app to get started.
