Stash Invest: Is It Worth Your Money?

Stash is a subscription-based, beginner-friendly trading platform offering automated and DIY investing strategies for all kinds of investors. The platform provides straightforward stocks and ETFs organized by themes and market sectors. Stash is fairly low-cost with a transparent fee structure. It's also a great option for those looking for banking and investing in one location.

Stash offers two subscription options: Stash Growth and Stash+. Stash Growth is the basic option, providing thousands of stock and ETF options, personalized advice, $1k in insurance and banking features like a Stock-Card Card. To access advice on family finances, market insights, and custodial accounts, you'll need a Stash+ account for $9 per month.

Stash's pricing options and features include access to a robo-advisor, brokerage account, bank account, and retirement accounts in one app, as well as a variety of stocks from different companies and ETFs. However, Stash's fees can be high as a percentage of your assets, and it only supports stock and ETF investments.

Stash's pricing and features

Stash is a subscription-based, beginner-friendly trading platform offering automated and DIY investing strategies for all kinds of investors. It has two pricing tiers: Stash Growth and Stash+.

Stash Growth costs $3 per month and includes a basic personal brokerage account, Stash Banking, retirement investing, and unlocks Smart Portfolios. It also provides financial guidance and access to up to $1,000 of life insurance through Avibra.

Stash+ costs $9 per month and includes everything in the Growth plan, plus access to Kids Portfolios (custodial accounts), guidance for family finances, and access to Stash+ Market Insights. It also includes a higher earning rate on the Stock-Back® Card and increased life insurance coverage of $10,000.

Stash's pricing is higher than some competitors, and the annual fee can become prohibitive for small portfolios. However, the flat-fee pricing model becomes more favourable as your account size grows.

Stash offers a range of features, including:

• Automated and self-directed investing
• Round-up and dividend investing
• Online banking
• Fractional shares
• Smart Portfolio (robo-advisor)
• Retirement savings accounts (Traditional and Roth IRAs)
• Custodial accounts (Kids Portfolios)
• Banking features (early direct deposit, Stock-Back® rewards, Stock Round-Ups)

Stash brokerage accounts

Stash is a subscription-based, beginner-friendly trading platform offering automated and DIY investing strategies for all kinds of investors. The platform provides straightforward stocks and ETFs organised by themes and market sectors.

Stash offers two subscription options: Stash Growth and Stash+. Stash Growth is the basic option, providing thousands of stock and ETF options, personalised advice, $1,000 in insurance and banking features like a Stock-Card Card. Stash+ includes all of the above, plus custodial accounts, investment research, and investment advice for families. It also provides $10,000 in life insurance.

Stash's self-directed brokerage accounts allow investors to trade stocks, ETFs, and fractional shares. Stash account holders can access personalised advice, stock round-ups, recurring investments, and educational tools and resources. The platform also offers fractional shares of individual stocks from top-performing companies like Apple.

Stash's "themed" ETFs have names like "Blue Chips" and "Delicious Dividends", which make it easy to understand what types of securities are bundled in the fund. Finally, Stash offers "Portfolio Builder" ETF portfolios built to match each investor's risk and volatility level.

Stash's robo-advisor platform, Smart Portfolio, is included in all Stash subscriptions, so access to automated investing strategies is free of additional fees or minimum requirements. The platform's investment team designed Smart Portfolio for personalised portfolio diversification and return optimisation. It offers customised stock and ETF portfolios based on risk tolerances and investment goals.

Stash's banking account does not pay interest, and the platform does not offer an automated tax strategy. The robo-advisor does not offer tax-loss harvesting, and there is no option for advice from a live financial advisor.

Stash's Stock-Back® Card and other features

Stash's Stock-Back® Card is a debit card that allows you to earn stock rewards when you shop. The card is issued by Stride Bank and is available to Stash subscribers. There are two subscription tiers: Stash Growth ($3/month) and Stash+ ($9/month).

With the Stash Growth plan, you earn 0.125% back in stock on every purchase, up to 2% back at certain merchants with bonuses. With Stash+, you earn 1% back in stock on all purchases up to $1,000 per month, and then 0.125% back in stock on every purchase after that. With both plans, you can earn up to 3% back in stock at certain merchants with bonuses.

The Stock-Back® Card is linked to a Stash banking account, which has no overdraft, minimum balance, monthly maintenance, or set-up fees. The account also provides access to over 55,000 fee-free ATMs worldwide and instant transfers to your investment portfolio.

Stash's minimum deposit and balance

Stash is a subscription-based, beginner-friendly trading platform offering automated and DIY investing strategies for all kinds of investors. There are two subscription options: Stash Growth and Stash+.

The basic Stash Growth subscription costs $3 per month, with a $1 minimum investment. This option provides investment guidance for beginners and personal finances, a $1k life insurance policy from Avibra, and a Stock-Back Card.

The Stash+ subscription costs $9 per month, with the same $1 minimum investment. This option includes all the benefits of Stash Growth, plus access to Kids Portfolios, guidance for family finances, and a $10k life insurance policy from Avibra.

Both options offer instant transfers with a 1% fee, and there is no standard transfer fee. There is a $75 ACAT fee for moving assets to another brokerage firm.

Stash's investment vehicles

Stash offers a variety of investment vehicles to its users, including:

• Robo-advisor services, which provide a personalised portfolio diversification and return optimisation based on risk tolerance and investment goals.
• Traditional and Roth IRAs, which offer tax advantages for retirement investing.
• Brokerage accounts, allowing users to trade individual stocks, ETFs, and fractional shares.
• Custodial accounts, or Kids Portfolios, which allow parents or guardians to invest in stocks and ETFs on behalf of a child or minor.
• Bank accounts, which are FDIC-insured and offer early direct deposit and stock rewards through the Stock-Back® Card.
• Retirement accounts, such as Stash Retire, which offers both Traditional and Roth IRA options.

Frequently asked questions