Top questions

• Q. What am I investing in on Stash?

  With Stash, the thousands of investment choices fall into  buckets. The first bucket is stocks, which are little pieces of ownership in a single company. The second is Exchange Traded Funds (ETFs), which are baskets of investments traded on stock exchanges. …

• Q. What retirement accounts does Stash offer?

  Stash offers two types of retirement accounts (also known as IRAs): a Roth IRA or a Traditional IRA. When you sign up for Stash, we’ll help you pick the account that’s right for you.  By adding a little money to your retirement account consistently over time,…

• Q. How do I link or change the bank account I have linked to Stash?

  You can link your external bank account to Stash. With a successfully linked external bank account, you are able to transfer money into Stash and invest. Your external bank will appear as an option in the Transfers menu after it’s linked.…

• Q. What makes Stash different?

  Stash stands out from the crowd in a few ways. Here’s how: Stash tailors investments to your interests and beliefs With us, you choose investments from a curated set of options that have been picked by our team and suggested to you based on the answers to questions we ask when you sign up.…

• Q. How do I sell an investment?

  Stash makes selling investments easy and painless. When selling, you have the option to sell a specific dollar amount or the entire investment. Please note that there’s a mandatory one business day holding period after the sale before your cash will be available to use.…

• Q. Can I rollover money from an old IRA into Stash Retire?

  We’re not able to rollover other IRAs into Stash Retire at this time, but we’re planning on offering this in the future. Stay tuned for updates on this.…

• Q. What is a Custodial account?

  A Custodial account allows a parent, guardian, or other family members/friends to open an investing account for a minor. The adult (or custodian) who opens the account manages the investments until the minor reaches the age of majority. That age is usually 18 or 21,…

• Q. What Are Stash’s Trading Windows?

  Stash uses four trading windows because our platform is not intended to be used for day trading, but rather for long-term investing. By investing small amounts in a diversified portfolio over a long period of time, you can minimize your risk and save for your future.…

• Q. How do I cancel my Stash plan?

  We’ll be sorry to see you go! You can cancel your Stash plan at any time in the app or online at Stash.com. Keep reading to learn what to do before you close, and how to cancel your plan in the app or on the web.…

• Q. How is my money on Stash protected?

  No matter what, your investments are always yours. All Stash accounts are held by our trusted partner and custodian Apex Clearing, a registered broker-dealer regulated by FINRA. At Apex, your investments are protected up to a maximum of $500,000 total, including $250,000 in cash balances through the Securities Investor Protection Corporation (SIPC).…

• Q. How do I change my risk level on Stash?

  Our risk assessment tool works to help you invest your money in a way that’s customized for your situation. Right now it’s not currently possible to override your risk level.  What happens if my job or income changes? Things change. We get it.…

• Q. What do I need to start using Stash?

  You only need a few things to get started with Stash:  Four dollars ($4) – $3 for your monthly subscription fee and at least $1 to put in your Personal investment account.  A bank account with a U.S. bank A Social Security number U.S.…

• Q. Why does Stash need my Social Security Number?

  Stash takes safeguarding your personal information very seriously—we use it only for identification purposes, and we never perform credit checks.  As a financial service institution, we’re required by law to obtain, verify, and record identification information. In addition, your social security number is needed to prepare an annual tax reporting form for you.…

• Q. How do I change my address?

  Moving can be a hassle. We get it. You can update your address at any time right from the Stash app. **IMPORTANT NOTE: YOU MUST UPDATE BOTH YOUR BANKING ADDRESS AND YOUR INVEST ADDRESS SEPARATELY. UPDATING JUST ONE OF THESE ADDRESSES WILL NOT UPDATE THE OTHER ADDRESS.**…

• Q. What if I’m having issues linking my bank account?

  Having issues linking your external bank account to Stash? Make sure you’re following these steps.  If you’re unable to link your account after following those steps, you may want to try linking your external bank account using micro-deposits. [Find out more information here] Please note: When linking an external bank account,…

• Q. What happens to my shares if a stock splits?

  If a stock you own splits, don’t worry! This is nothing to worry about. Imagine that you have a $100 bill. You want to break it down, so you get change in the form of two $50 bills. You haven’t lost any money,…

• Q. What are Stash’s plan fees?

  Stash’s plans each have their own varying subscription fee based on the offerings included in each plan, and you can choose to pay monthly or yearly.1 Visit https://www.stash.com/pricing to see our basic available options.¹ We collect our subscription fees once a month,…

• Q. How do I add a beneficiary to my account?

  While you cannot share an account with someone, you can designate a beneficiary on your account. This will allow them to claim ownership of the account in the event that you pass away. Both the beneficiary form for your Stash Retire and your Stash Invest account will require your account number.…

• Q. Can I use my Stock-Back card (debit card) at a gas station?

  Yes you can! Remember to select Debit when you use your Stock-Back® Card at the pump. You can also pay inside at the counter. Please note: Gas stations may hold up to $175 when you swipe your card at the pump because they do not know the final amount of the sale.…

• Q. How do I close my Retirement Portfolio?

  Before you can close your Retirement Portfolio (IRA), you must complete the following steps:  Link your external bank account to Stash so we can transfer your balance to you. (Learn how →) Turn off auto invest for your IRA. (Learn how →) Sell all of the investments in your IRA.…

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