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Stash App Overview 2021


Micro-Investing apps goal to make investing extra inclusive, simpler to grasp and fewer intimidating.

The Stash app is a well-liked selection for brand spanking new traders as a result of it permits you to start investing with simply $5.

Stash can create a diversified funding portfolio for you primarily based in your monetary targets and threat tolerance, providing a user-friendly approach to kickstart your funding journey.

Or you possibly can choose from greater than 3,000 particular person shares, exchange-traded funds (ETFs), in addition to bonds if you would like a extra hands-on method.

Making an attempt to determine if Stash is best for you? That can assist you make the only option, we’ve reviewed the app ourselves.

What Is Stash?

Stash Monetary Inc. is a New York Metropolis-based monetary companies firm that permits you to  incrementally put small sums of cash into an funding portfolio. That’s a tactic often known as micro investing.

Former Wall Avenue execs Brandon Krieg and Ed Robinson based Stash in 2015 with the aim of serving to on a regular basis folks create a safer monetary future.

The corporate operates each a web site and a cellular app. Stash provides retirement, banking, particular person brokerage and custodial accounts with a month-to-month flat-fee subscription mannequin.

It additionally provides private finance schooling and an automatic investing choice.

Stash has change into probably the most widespread micro-investing apps in the USA with over 6 million customers in 2021, in keeping with the corporate’s web site. Stash was final valued at $1.4 billion in 2021.

How Does Stash Work?

On this Stash overview, we’ll focus on the totally different funding accounts the app provides, execs and cons, pricing and extra.

However first, let’s clarify tips on how to open your account with Stash.

Easy methods to Signal Up

You possibly can simply join with Stash by visiting the web site or downloading the app.

Stash doesn’t require prospects to deposit a minimal amount of cash to open an account, however you’ll want a minimum of $5 to start out investing. As soon as your account is up and operating, you possibly can make investments smaller increments (like 5 cents or much less).

You’ll want to offer some private info through the sign-up course of, together with your authorized title and delivery date (you have to be a minimum of 18 years outdated to make use of Stash). You additionally should present your Social Safety quantity to show you’re a authorized U.S. citizen.

Subsequent, you’ll be requested to reply just a few questions to assist Stash gauge your risk tolerance: conservative, average or aggressive.

As soon as that’s achieved, you possibly can take a second to get conversant in the app.

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How A lot Does Stash Price?

Stash provides three subscription plans that cost month-to-month charges. There are not any buying and selling charges or fee charges.

Stash Newbie: $1 per thirty days

The Stash Newbie plan prices $1 per thirty days and provides you entry to a private portfolio funding account, a Stash checking account and a debit card. You possibly can choose your individual particular person shares and ETFs, however the automated portfolio choice isn’t accessible with Stash Newbie.

Stash Development: $3 per thirty days

If you would like entry to a retirement funding account, or the Sensible Portfolio automated investing characteristic, you’ll pay a $3 month-to-month charge.

Stash+: $9 per thirty days

Stash+ prices $9 per thirty days, and provides you entry to 2 custodial funding accounts for youngsters. Stash+ members get a elaborate metallic debit card and earn double Inventory-Again® rewards, a program that permits you to earn items of inventory once you store. You can even decide in to $10,000 price of life insurance coverage supplied by Avibra.

Stash’s flat month-to-month charge is in contrast to many different robo-advisors and on-line brokers, which cost a administration charge as a proportion of your portfolio steadiness.

For instance,  Betterment and Wealthfront cost a 0.25% annual administration charge for his or her fundamental portfolios. So, should you had $1,000 in your Betterment funding account, you’d pay simply $2.50 a 12 months in administration charges.

This may make Stash’s month-to-month charges a downside for customers with low account balances.

Nonetheless, at $1 a month, Stash Newbie is a reasonably reasonably priced taxable brokerage account, contemplating you additionally get entry to a checking account and a Stash debit card. This entry-level choice is cheaper than Acorns, Stash’s largest competitor.

The fixed-cost $1 mannequin additionally turns into extra reasonably priced should you make investments a major amount of cash as your portfolio worth goes up however your charges don’t.

Nonetheless, the worth of Stash Development is a bit of onerous to swallow. Paying $36 a 12 months to entry an IRA and an automatic portfolio is dear in comparison with different on-line brokers.

And paying greater than $100 a 12 months for Stash+ simply to get two custodial funding accounts and $10,000 of life insurance coverage is actually a nasty deal for the typical investor.

How Stash Invests Your Cash

Stash provides you just a few methods to start out investing. One is a hands-on, DIY expertise whereas the opposite takes a extra automated method.

Stash beforehand solely allowed customers to buy their very own particular person investments with out steerage. That modified in March 2021, when the corporate rolled out Sensible Portfolio, its automated, robo-investment characteristic.

  • Choose your individual investments. All Stash customers get the choice to choose and select from greater than 3,000 shares, bonds and exchange-traded funds. Stash additionally provides “Curated Collections” or bundles of property from comparable industries and sectors, comparable to well being care and know-how. It additionally provides suggestions that can assist you obtain a balanced portfolio.
  • Sensible Portfolios. That is Stash’s robo-advisor choice accessible to Stash Development and Stash+ subscribers. Sensible Portfolio takes the guesswork out of investing by placing your {dollars} right into a predetermined diversified portfolio that matches your threat tolerance. Automated portfolios are made up of ETFs that provide you with publicity to U.S. and worldwide shares, together with U.S. and worldwide bonds. Sensible Portfolios can even periodically rebalance your portfolio for you ​if it drifts 5% away from its goal asset allocation.

The place Your Cash Goes

Stash permits you to purchase shares and ETFs, or exchange-traded funds, which bundle quite a few shares or bonds right into a single fund.

Stash invests your cash utilizing fractional shares, that are tiny items of shares or ETFs. Fractional shares let you start investing in more expensive stocks — comparable to Apple, Tesla or Amazon — even should you don’t have sufficient money to purchase a complete share at first.

Fractional share investing begins at 1 cent and is obtainable for each funding account on the Stash platform.

Spherical-ups are one other approach to micro-invest with Stash. After linking a credit score or debit card, Stash will spherical your purchases to the closest greenback and make investments the distinction. It’s a simple and painless approach to make investments with out enthusiastic about it.

Stash additionally provides you the choice to robotically reinvest dividends again into your portfolio, preserving your cash working always. You possibly can allow this characteristic on any Stash investing, retirement or custodial account.

Easy methods to Analysis and Choose Your Investments

The “Make investments” button on the app’s backside toolbar permits you to discover your funding choices.

You possibly can search for particular shares or ETFs within the search field, or if you would like some steerage, Stash can provide advised investments for you. Faucet “Get Suggestions” to get suggestions on tips on how to higher diversify your portfolio and handle your threat.

An alternative choice is to go looking totally different firm classes, comparable to vitality, finance, media and know-how.

Stash renames lots of the ETFs with descriptive, enjoyable titles that make it simple for brand spanking new traders to grasp what’s inside. For instance, the Vanguard Rising Markets Inventory Index Fund (VWO) is titled “Up & Coming” whereas the SPDR Well being Care Choose Sector (XLV) is titled “Physician, Physician!”

You possibly can learn a short overview of any funding, peep the chance degree, and should you’re an ETF, see a listing of its prime firm holdings. You possibly can faucet over to the efficiency part for a visible illustration of the asset’s previous efficiency.

When you select your investments, choose “Add to Portfolio.” You’ll be prompted to pick how a lot you wish to make investments — whether or not with a one-time buy or a scheduled, recurring funding.

As time goes by, you possibly can verify in in your investments by visiting your portfolio’s residence web page. Your Stash funding web page breaks down your portfolio’s complete worth and complete return.

The app additionally gives Stash Coach, a recreation the place you earn factors and degree up after finishing funding and private finance challenges. It would aid you with steerage and suggestions, too. You will discover this characteristic once you faucet “Dwelling.”

Extra Stash Options

Make investments, Stash’s private taxable brokerage account, is the corporate’s flagship characteristic.

Nonetheless, the Stash app has expanded its companies over time, providing you with further methods to construct your monetary basis.

Stash Overview: Companies and Options

Function Particulars
Account minimal $0 to open, $5 to take a position
Account administration charges $1; $3; or $9 per thirty days
Portfolio combine Inventory and bond ETFs
Socially accountable portfolio choices ETFs accessible
Retirement account choices Conventional or Roth IRA
UTMA/UGMA choices Obtainable with Stash+
Tax technique No tax loss harvesting
Automated rebalancing Quarterly
Human advisor choice No
Checking account/money administration account Checking w/ no overdraft
Buyer assist Name 800-205-5164


All Stash subscribers get entry to 2 automated saving and investing instruments referred to as Auto-Stash. This may also help set your finances to autopilot, so that you don’t need to actively deposit cash into your account.

You possibly can allow or flip off Auto Stash at any time.

Auto Stash contains:

  • Set Schedule: Mechanically save and make investments cash by organising recurring transfers out of your linked account to your Stash portfolio on a every day, weekly or month-to-month foundation. With this characteristic, you possibly can put aside cash into your money steadiness, or into any investments inside your private portfolio. You can even use Set Schedule to fund your Stash retirement and custodial accounts.
  • Spherical-Ups: With this characteristic, Stash will round-up your purchases to the closest greenback every time you spend with the debit card related together with your linked checking account.
    So, should you purchase one thing on Amazon for $12.50, you’ll get charged $13 with that further 50 cents directed to your Stash portfolio. ​​As soon as your spare change reaches $5 or extra, Stash will switch the cash to your private funding account money steadiness. From there, you possibly can make investments it into any of the property inside your portfolio.

Auto-Stash used to incorporate a characteristic referred to as Sensible-Stash, which robotically transferred small quantities out of your checking account to the app. It was phased out in 2021 and is not accessible.


Stash Retire is the app’s particular person retirement account (IRA) choice. By means of Stash, you possibly can open a traditional or Roth IRA to avoid wasting for retirement in a tax advantaged account. You possibly can fund your Stash Retire account the identical methods you fund a Stash Make investments account.

Nonetheless, Stash doesn’t provide automated administration for IRAs, so that you’ll want to choose your individual investments.

Custodial Accounts

Stash permits you to open custodial accounts for minors, whether or not you’re their mother or father or not.

A custodial account is basically a brokerage account for teenagers, with some investing and tax advantages.

These funding portfolios are technically often known as Uniform Items to Minors Act (UGMA) or Uniform Transfers to Minors Act (UTMA) accounts. Completely different states sometimes enable one or the opposite, so Stash will choose the kind of account that meets your state’s necessities.

You possibly can fund custodial brokerage accounts the identical methods you fund a private Stash Make investments account. When the kid reaches the age of majority (this varies by state, however it’s normally 18 or 21), they get management of the account, and may proceed to take a position or withdraw the cash.

The $9 per thirty days Stash+ subscription permits you to open up two custodial accounts for minors. It’s dearer than Acorns, which provides you entry to a number of custodial accounts for $5 a month.

A woman uses a debit card to make an online purchase.
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Stash Banking Account and Debit Card

All Stash subscribers can open a checking account by way of the corporate’s companion, Inexperienced Dot Financial institution.

The FDIC-insured digital checking account has no overdraft charges, minimal steadiness or month-to-month upkeep charges.

You additionally get cellular verify deposits, invoice pay and verify writing companies together with your Stash debit account.

Stash financial institution accounts include a Visa debit card linked to your account. You’ll additionally get entry to over 19,000 fee-free ATMs nationwide together with your Stash debit card.

Inventory-Again® Rewards

Stash permits you to earn inventory investments whilst you store.

Whenever you use your Stash Visa debit card, you’ll earn Inventory-Again® rewards, that are small items of shares associated to your buy. For instance, should you store at Walmart, you’ll earn a chunk of Walmart’s inventory.

Whenever you purchase from an organization that doesn’t have publicly traded inventory — like your native ironmongery shop — the Stash Inventory-Again® program will make investments a sure proportion right into a inventory or ETF of your selection.

You’ll earn 0.125% inventory on on a regular basis purchases, and as much as 5% with sure retailers. Stash+ account customers earn 2x inventory.

You’ll obtain the Inventory-Again® debit card once you open and fund a Stash money administration account, which is obtainable to all paid subscribers.

Easy methods to Withdraw Cash and Shut Your Stash Account

To take cash out of your Stash funding account, you will have to promote a few of your shares or ETFs.

To promote investments within the app:

  1. Choose the funding you wish to promote.
  2. Click on “Promote.”
  3. Choose both “Promote” to promote a portion or “Promote All” to promote the complete quantity.
  4. To promote a portion, enter the quantity you wish to promote, then hit “Subsequent.”
  5. Choose “Affirm Adjustments.”

You possibly can set investments to promote anytime, and Stash will execute your promote order when the market is open. The quantity you get from the sale is dependent upon the worth of your asset throughout that promoting window.

After that, Stash will launch your cash into your money steadiness.

Take note — and that is actually essential — promoting shares isn’t like withdrawing cash from the financial institution.

should you promote when a inventory is price lower than once you purchased it, you’ll lose cash. There’s additionally tax penalties, particularly should you promote an asset you’ve owned lower than one 12 months.

And should you withdraw cash out of your Stash retirement account — particularly a conventional IRA — you’ll get slammed with a ten% penalty from the IRS should you’re beneath the age of 59.5.

On the whole, it’s greatest to carry shares over the long run.

Follow these directions to correctly shut your account.

When you have a query the Stash FAQ page can’t reply, you possibly can contact the corporate’s assist workforce through cellphone or electronic mail Monday by way of Friday, 8:30 a.m. to six:30 p.m. ET.

Their buyer assist cellphone quantity is 800-205-5164 and their electronic mail tackle is [email protected]. Electronic mail assist can be accessible on weekends from 9 a.m. to five p.m.

Professionals and Cons

Each funding app has its execs and cons. Listed below are among the benefits and disadvantages of Stash.


  • There is no such thing as a account minimal steadiness and you can begin investing with as little as $5.
  • No buying and selling charges or commissions.
  • ETFs are damaged down by class, so you possibly can see precisely what sorts of corporations you’re investing in, and make choices primarily based in your pursuits or beliefs.
  • Academic instruments and sources.
  • Auto-Stash helps you robotically make investments through round-ups and recurring transfers.
  • You get the choice to financial institution, make investments and get monetary savings for retirement in a single app.


  • Stash prices between $1 to $9 per thirty days to make use of.Whenever you examine that to your returns, particularly when you’ve got a small account steadiness, the month-to-month charge won’t be price it.
  • Stash Sensible Portfolios don’t provide tax loss harvesting, an funding technique that helps cut back your yearly tax burden.
  • The app doesn’t provide entry to a human monetary advisor or dwell funding recommendation.
  • Investing includes threat. Although you’re investing small quantities of cash, you’re nonetheless enjoying with the inventory market, so it’s attainable to lose cash.

Continuously Requested Questions

Is Stash Authentic?

Sure, Stash is legit, and no, it’s not a rip-off. The app is all about safety, too. It has 256-bit encryption (that’s what numerous banks use), and you may arrange fingerprint or facial recognition entry.

Whenever you open an account, you’ll create a four-digit safety code, which you’ll be required to enter every time you open the app. You possibly can arrange thumbprint entry, too.

Can You Make Cash With Stash?

Sure. You’ll earn cash as your investments acquire worth over time. Prospects with a Stash Visa debit card also can earn 0.125% inventory on on a regular basis purchases and as much as 5% in inventory at sure retailers. Lastly, Stash additionally provides referral bonuses to customers who get their family and friends to join the app.

Does Stash Steal Your Cash?

Stash doesn’t “steal” your cash, however when you’ve got the Auto-Stash characteristic turned on, the app will robotically round-up purchases made with a linked debit card and/or make scheduled recurring transfers. However that cash goes into your portfolio — so it’s nonetheless yours.

You possibly can modify your Auto-Stash settings or flip them off utterly at any time.

Can I Belief Stash With My SSN?

Sure, you possibly can belief Stash together with your Social Safety quantity. As a monetary establishment, Stash is required by regulation to acquire, confirm and report this info. The corporate additionally wants your SSN to arrange an annual tax reporting kind for you.

Rachel Christian is a Licensed Educator in Private Finance and a senior author for The Penny Hoarder.

The Penny Hoarder is a paid Affiliate/ companion of Stash. Funding advisory companies supplied by Stash Investments LLC, an SEC-registered funding adviser. 

*Provide is topic to Promotion Terms and Conditions To be eligible to take part on this Promotion and obtain the bonus, you will need to efficiently open a person brokerage account in good standing, hyperlink a funding account to your Make investments account AND deposit $5.00 into your Make investments account.

Financial institution Account Companies offered by Inexperienced Dot Financial institution, Member FDIC. Account opening of the checking account is topic to Inexperienced Dot Financial institution approval. Funding services offered by Stash Investments LLC, not Inexperienced Dot Financial institution, and are Not FDIC Insured, Not Financial institution Assured, and Might Lose Worth.

Inventory-Again® rewards will not be sponsored or endorsed by Inexperienced Dot Financial institution, Inexperienced Dot Company, Visa U.S.A. or any of their respective associates, and not one of the forgoing has any duty to meet any inventory rewards earned by way of this program.

For extra disclosures, click here.

This text accommodates normal info and explains choices you will have, however it isn’t supposed to be funding recommendation or a private suggestion. We will not personalize articles for our readers, so your scenario might fluctuate from the one mentioned right here. Please search a licensed skilled for tax recommendation, authorized recommendation, monetary planning recommendation or funding recommendation.