From budgeting to saving for retirement and a cash management account, Stash unites banking, investing, and advice all in one app and website that helps over 6 million investors reach their financial goals–all for one monthly price.
This Stash review is a personal finance app and Stash bank account supported by Green Dot Bank that can help anyone improve their financial life. Read below for more information on whether Stash is the right investment tool for your risk and reward needs.
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Stash Invest Ratings
Overall
Pros
- Automated investing, simplified with Smart Portfolio
- Fractional share ownership
- Secured By SEC & SIPC – $500,000 brokerage protection
Cons
- Expensive subscription methods
- “Stock bank cards” reward in stock instead of fungible cash
- Customer support is not easily available
Stash Invest Bank Account & Smart Portfolios
Stash Smart Portfolios – The Stash Investment Team oversees the selection and allocation of your Smart Mix of stocks and ETFs using a personalized investment strategy and investment portfolio.
Smart Portfolios are a discretionary managed account whereby Stash has full authority to manage according to a specific investment mandate. “Balance” is defined by buying underweight and overweight assets or selling them in correct proportions in an effort to bring you closer to the target allocation appropriate for your risk profile.
Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal. Stash doesn’t guarantee any level of performance or that any client will avoid losses in the client’s account. The Investment Team at Stash built a smart portfolio with the goal of optimizing risk adjusted returns.
This is achieved through the process of utilizing the diversification benefits highlighted by modern portfolio theory and opening an investment account and a Stash visa debit card. The portfolios consist of well-diversified ETFs providing clients with broad exposure to the stocks of companies of all sizes across all industries and geographies and bonds of various issuers.
The portfolios aim to optimize returns given a user’s overall risk profile.
Crypto is relatively new and can be volatile. Investments are through Delaware Statutory Trusts and offer indirect exposure to certain Crypto investments deposited in your stash account.
Subscription Options for Stash
There are 3 different subscription options for Stash Invest. These include: Stash Beginner, Stash Growth and Stash Plus. Below you can what each subscription offer includes.
1) Stash Beginner
- $1/monthly fees
- For beginner investing
- Checkmark Investing access
- Personal Portfolio
- Checkmark Banking Access
- Stock-Back Card
- Get paid up to 2 days early
- Checkmark Insurance Access
- $1k life insurance offered by Avibra
- Start Investing
- Apple App Store
- New Investors
Stash Offers for Beginning Investors
Stock Back Rewards, Stash Offers, Stash Accounts, Stash Investments, a Stash Debit Card, access to Mutual Funds, Investing involves Risk, a start investing tool, an investing app, ability to invest money, targeted towards new investors, low risk tolerance, some investment options, fractional shares, personal finance, and bottom line Stash.
2) Stash Growth
- $3/monthly fees
- Everything in Stash Beginner.
- Advice for growing personal finances
- Investing Access
- Smart Portfolio
- Retirement Portfolio
- Apple App Store
- Stash Bank Accounts
3) Stash Plus
- $9/month
- Everything in Stash Growth.
- Checkmark Advice
- For family finances
- Stash+ Market Insights
- Personal Investment Account
- Solid Cash Management Account
- Investment Advisory Services
- Investment Accounts
- Investment Advisory Services Offered
- Cash Account
- Stash Investing
- Checkmark Investing Access
- 2 Kids Portfolios (custodial accounts)
- Checkmark Banking Access
- 2x stock with the Stock-Back Card
- Stock Rewards
- Insurance access and retirement account
- $10k life insurance offered by Avibr
Stash Stock Party
To be eligible to receive a Stock Reward, the customer must complete the account registration process and open an individual taxable brokerage account (“Personal Portfolio”) that is in good standing.
This program is subject to Terms and Conditions. The subscription Fee is due if a client is receiving Financial Counseling Services regardless of whether or not a client elects to open and/or use a brokerage account. To begin investing on Stash, you must be approved from an account verification perspective and open a brokerage account.
This number is defined as the number of Stashers that attended the party and claimed stock. A ‘Stasher’ is a client of Stash who has a completed and verified account in good standing.
Withdraw Funds
Withdrawing funds can be as low as $25 via wire transfer to your bank account or stash debit account, or as high as $95 if you do not want to wait the two days for your trades to clear and become neutral and transfer from your stash investment account.
Is Stash Invest Legit?
Yes, Stash is an app that provides a lower barrier to entry for individuals who want to start investing. The app also comes with a bank account backed by Green Dot Bank. Stash is a registered investment advisor with the U.S. Securities and Exchange Commission (SEC). Stash is also mostly appropriate for beginning investors.
Customer Support
- Email: [email protected]
- Telephone: (800) 205-5164
- Too hard to find, 10 pages down in the bottom lines of the legalese of each page.
Common questions I get asked about Stash Invest
These are the most common questions I get asked about Stash Invest, so I will try to answer these as best I can, to give you a better view on whether Stash Invest is the right investment choice for you.
How do beginners invest?
- High-yield savings accounts.
- Certificates of deposit (CDs).
- 401(k) or another workplace retirement plan.
- Mutual funds.
- ETFs.
- Individual stocks.
Does Stash Have a Monthly Fee?
Similarly to how you pay a flat-fee subscription to a music streaming service for access to millions of songs, you pay Stash a flat-fee subscription ($1, $3, or $9 per month) for access to all your money needs—like fractional share investing, a debit card that earns stock when you spend, and unlimited financial advice.
How do you make money with Stash?
How to Start Making Money on Stash. Getting started with Stash is as simple as making a $1 subscription account. Download the Stash app and make an account. Sign up for the $1 subscription and let Stash guide you step-by-step through penny stocks and how to tackle the stock market with increasingly larger investments.
Does Stash Have Any Hidden Fees?
Your Stash subscription fee may be deducted from your Stash banking account balance. 4 Fee-free ATM access applied to in-network ATMs only. For out-of-network ATMs and bank tellers a $2.50 fee will apply, plus any additional fee that the ATM owner or bank may charge.
How much will I have if I invest 500 a month?
In the past decade, the S&P 500 had a total return of 225%. If you started investing $500 a month in an S&P 500 index fund 10 years ago, you’d have roughly $120,000 today, according to CNBC calculations. That’s just about double what you earned if you just left your money in a savings account.
Does Stash Offer Custodial Investment Accounts?
Yes, Stash Pro offers up to two custodial investment accounts for children of the main Stash Customers children using the Stash Pro option.
Does Stash Individual Brokerage Account Offer Portfolio Management?
Yes, the Stash Plus option ($9/month) offers brokerage services, fractional shares, an investment app, advisory or brokerage services, stash invest, individual stocks and etfs, the stash app, personal finance advice, portfolio management functions, fractional shares, low expense ratios, a personal brokerage account, a diversification analysis tool, investment options, a cash balance, retirement accounts, a custodial account, and Stash is a SEC registered investment adviser.
Stash Invest FAQs
How much money do I need to open an account?
The minimum initial deposit required is at least $5 of your selected base currency. However, I recommend you deposit at least $2500 to allow you more flexibility and better risk management when trading your account.
Is “Stash Growth” at $9/month worth it?
Slash Growth is only worth paying the extra $6/month fees if you have one or more kids and need custodial accounts, plan on targeted spending for 2-1 stock buy back card, or plan on using the $10,000
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