Money Analysed

Take Control of Your Financial Future with Stash Investments

Investing can be intimidating, especially if you’re new to personal finance. That’s where Stash comes in.

Stash is an online investment platform that helps you manage your money and invest wisely. In this article, we’ll cover everything you need to know about Stash, from the

Smart Portfolio to fees and commissions.

What is Stash?

Stash is a digital platform that offers investment guidance and tools for people who are just starting to manage their own finances.

The platform offers automated investing, which means your investments are placed in a

Smart Portfolio that’s tailored to your risk profile and investment goals. Additionally, Stash offers fractional shares that allow investors to buy small portions of expensive stocks, making it easier for investors to diversify their holdings.

Who is Stash best for?

Stash is an excellent choice for investors at any age, but it’s especially suited for beginners who are interested in learning more about personal finance.

With Stash, you can choose between a wide variety of investments, from individual stocks to exchange-traded funds (ETFs). Additionally, Stash offers educational resources that help you learn more about investing and saving for your financial future.

Investing with Stash

Stash is easy to use, whether you’re investing for retirement or just setting aside some money for a rainy day. With the Smart Portfolio, your investments are placed in a diversified mix of ETFs that match your investment goals and risk profile.

Additionally, you can choose from a wide variety of individual stocks and ETFs to build your own Portfolio using the Portfolio Builder tool.

Stash offers a number of investment plans that make it easy to get started.

Stash Plans are available at different price points and cater to different investment goals. For example, the beginner plan costs $1 per month and includes an investment account and Stash’s automated portfolio management service.

The Growth plan, which costs $3 per month, includes additional investment options as well as a tax-advantaged retirement account. The Stash+ plan costs $9 per month and includes everything from the Growth plan, as well as a custodial account for minors.

Fees & Commissions

Stash charges a monthly subscription fee that ranges from $1 to $9, depending on the plan you choose. Additionally, there are some account fees that are charged annually, such as $2 for a taxable account and $2 for a retirement account.

There are also add-on commission fees for trades. For example, there is a $0.99 commission fee for each trade of individual stocks.

Smart Portfolio

Stash’s

Smart Portfolio is an automated investment management service that takes the work out of building and managing a diversified investment portfolio. Once you provide information about your age, income, and investment goals, Stash uses an algorithm to build a portfolio that is tailored to your individual needs.

Automated Investing with

Smart Portfolio

This automated investment service is easy to use and can be set up in a matter of minutes. Once you sign up for Stash, you’ll be asked to answer a few questions about your investment goals, risk tolerance, and financial situation.

From there, the platform will create a

Smart Portfolio that includes a diversified mix of ETFs that match your investment goals.

The

Smart Portfolio can be set up in a taxable brokerage account or a retirement account (such as a Roth or Traditional IRA).

Additionally, the

Smart Portfolio includes fractional shares, which means you can invest in expensive stocks without having to buy the entire share.

Benefit of

Smart Portfolio

The

Smart Portfolio is designed to be a hassle-free way to invest your money.

By automating the entire investment process, you can rest assured that your investments are being managed in a way that aligns with your financial goals and risk tolerance. Additionally, the

Smart Portfolio is designed to be a balanced investment portfolio that includes a mix of stocks and bonds, which can help reduce your overall investment risk.

Retirement & Custodial Accounts

In addition to the Smart Portfolio, Stash offers a number of other investment options, including retirement accounts and custodial accounts. Retirement accounts, such as a Roth or Traditional IRA, can provide significant tax benefits while helping you save for your future.

Custodial accounts are designed for minors who may not be able to manage their own investments yet. With a custodial account, a parent or guardian acts as the account manager and can invest on behalf of the minor.

Additionally, Stash offers investment accounts that can be used for any purpose, including saving for your child’s education or for a down payment on a house.

In conclusion, Stash is an excellent investment platform that caters to a wide variety of investors.

Whether you’re just starting to learn about personal finance or you’re an experienced investor, Stash offers flexible investment options that can help meet your needs. With features like the Smart Portfolio, fractional shares, and a variety of investment plans, Stash is a great choice for anyone looking to take control of their financial future.

Investing in stocks has long been a popular way to earn passive income, and Stash makes it easier than ever before. With Stash, you can buy fractional shares of individual stocks, which means you can invest in expensive stocks without having to purchase an entire share.

In this article, we’ll cover everything you need to know about investing in stocks with Stash, as well as the benefits of using

Stash Plans to supercharge your investment portfolio.

Stocks with Stash

Investing in stocks with Stash is easy and straightforward. Once you sign up for a Stash account, you can begin browsing different stocks and ETFs. Stash offers a wide variety of individual stocks, including popular companies like Amazon, Apple, and Google.

Additionally, Stash offers ETFs that track specific indexes, sectors, and themes. One of the biggest benefits of investing in stocks with Stash is that you can buy fractional shares.

This means that you can invest in expensive stocks without having to buy the full share. For example, if you want to invest in Amazon but the share price is $3,000, you can use Stash to purchase a fractional share for as little as $5.

Benefits of Investing in

Stocks with Stash

There are many benefits to investing in stocks with Stash, but some of the most significant include the ability to invest in fractional shares and the ability to easily diversify your portfolio.

By investing in fractional shares of individual stocks, you can build a diversified portfolio even if you don’t have a lot of money to invest.

Additionally, buying fractional shares allows you to invest in expensive stocks that you might not be able to afford otherwise.

Stash Plans

In addition to individual stock and ETF investing, Stash offers a variety of investment plans. These plans are designed to help you reach your investment goals by providing additional benefits and features.

Stash Growth Plan

The

Stash Growth Plan is designed for people who want to invest their money in a personal investment account while enjoying additional features like a Stash banking account, a Stock-Back Card, and stock-back rewards. Additionally, the Growth Plan includes a life insurance policy, provided by Avibra Inc., to help protect your family in case of an unexpected event.

The Stash banking account is a convenient way to access your funds and pay for everyday purchases. The Stock-Back Card is a debit card that earns stock back rewards when you use it to shop at certain retailers.

The rewards are paid directly to your investment account, making it easy to reinvest them into your portfolio. Finally, the life insurance policy provides an added layer of security for you and your family.

If you were to pass away unexpectedly, the policy would pay out a death benefit to your beneficiaries. Stash+ Plan

The Stash+ Plan is designed for people who want even more features and benefits.

In addition to everything included in the Growth Plan, the Stash+ Plan includes market insights to help you make informed investment decisions. Additionally, the Plan offers Kids Portfolios, which are custodial accounts designed to help you save for your child’s future.

The Stash+ Plan also includes 2x stock rewards for every purchase made with the Stock-Back Card. This means you’ll earn twice as much in stock rewards for every dollar spent.

Finally, the Plan includes a cash back feature, which allows you to earn cash back rewards on certain purchases.

Subscription Fees and Tiers

Each of the

Stash Plans comes with a monthly subscription fee. The Growth Plan costs $3 per month, while the Stash+ Plan costs $9 per month.

Additionally, there are different tiers of each plan, with basic features and more advanced features available at different price points. In order to access the full suite of features, you’ll need to upgrade to the higher-tier version of the Plan.

For example, with the Growth Plan, you can upgrade to Growth Plus for an additional $2 per month. With this upgrade, you’ll receive additional features like a retirement account and tax benefits.

In conclusion, investing in stocks with Stash is an easy and affordable way to build a diversified investment portfolio. With fractional shares, you can invest in expensive stocks without having to purchase the full share.

Additionally,

Stash Plans offer a variety of features and benefits to help supercharge your investment portfolio. Whether you’re just starting to invest or you’re an experienced investor, Stash has something to offer.

Banking & Stock-Back Card

In addition to its investment tools, Stash also offers a banking account and a Stock-Back Card. These features are designed to help you manage your cash flow and earn additional rewards while you invest.

Stash Banking Account

The

Stash Banking Account is an online checking account provided by Green Dot Bank and insured by the FDIC up to $250,000. The account has no investing minimum and no overdraft fees, making it an excellent choice for people who are just starting to manage their own finances.

One of the main benefits of the

Stash Banking Account is that it offers an ASAP Direct Deposit feature. This allows you to receive your paycheck up to two days earlier than with traditional direct deposit.

Additionally, you can easily transfer money in and out of your Stash investment account, making it easy to manage your cash flow.

Stock-Back Rewards

The Stash Stock-Back Card is a debit card that offers rewards in the form of a share of stock. Every time you use the card to make a purchase, you’ll earn a percentage of the purchase amount in the form of a diversified investment fund.

The

Stock-Back Rewards program is designed to help you earn money while you spend. For example, if you use the card to buy a $50 item at a retailer participating in the program, you might earn a $0.50 stock reward.

This stock reward will be invested in a diversified fund that matches your investment profile and goals.

Auto-Stash

With Auto-Stash, you can set up automatic savings to help you reach your financial goals.

Auto-Stash offers a variety of features, including Set Schedule, Stock Round-Ups, and additional cash management tools.

Set Schedule allows you to choose how often you want to invest. For example, you might choose to invest $10 every week or $100 every month.

Stock Round-Ups is another

Auto-Stash feature that rounds up each purchase you make with your debit card to the nearest dollar and invests the difference. Finally,

Auto-Stash offers additional cash management tools, such as the ability to set spending limits and track your expenses.

Other Investment Apps

Stash is just one of several investment apps on the market today. Some of the other popular investment apps include Robinhood, Betterment, Acorns, M1 Finance, and Empower.

Each of these apps has its own unique features and benefits. Robinhood is known for offering commission-free stock trading, making it an excellent choice for investors who want to trade frequently.

Betterment and Acorns are both robo-advisor platforms that offer automated investing based on your individual risk profile and investment goals. M1 Finance offers passive investing options, allowing you to build and manage your own investment portfolio.

Finally, Empower is an app that offers a suite of financial tools, including budgeting and savings tools, retirement planning, and investment management.

Comparison with

Other Investment Apps

When compared to other investment apps, Stash stands out for its ease of use and flexible investment options.

With Stash, you can invest in individual stocks, ETFs, and a variety of other assets. Additionally, Stash offers a wide range of investment plans that cater to different investment goals and budgets.

Compared to Robinhood, Stash offers a more diverse range of investment options beyond just stock trading. Additionally, unlike Betterment and Acorns, Stash allows you to purchase individual stocks as well as ETFs. Finally, when compared to M1 Finance and Empower, Stash offers a more user-friendly interface and customer support.

In conclusion, Stash is an excellent investment app that caters to a wide range of investment goals and budgets. With features like the Stash Banking Account, Stock-Back Rewards, and Auto-Stash, Stash makes it easy to manage your finances and invest for your future.

While there are many other investment apps on the market, Stash stands out for its flexibility, ease of use, and diverse investment options. Investing is a crucial aspect of personal finance, and Stash makes it easier than ever before.

Stash offers a range of investment options, including stocks, ETFs, and retirement accounts, along with additional features like the

Stash Banking Account and Stock-Back Card. With Stash’s automated investing services, you can build a diversified investment portfolio that aligns with your individual goals and risk tolerance.

While other investment apps exist, Stash stands out for its flexibility, ease of use, and customer support. By considering Stash for your investment needs, you’ll be well on your way to building a strong financial future.

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