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How Do I Transfer Some of my Cash From My Retirement Portfolio?

Before you can transfer from your Retirement Portfolio, make sure you’ve done the following:

  1. Link your bank to Stash so we can transfer your cash to you (Learn how →).
  2. Sell the amount of your investments you’d like to withdraw and wait for the funds to settle (up to 3 business days). Learn how to sell your funds here →.
  3. Make sure you have enough Portfolio Cash to make your transfer. After the sale has settled, wait up to 6 business days for your cash to be available to transfer. 

 

You cannot initiate a transfer from your Retirement Portfolio until any recent sales have settled (up to 3 business days) and any pending contributions have settled (up to 6 business days). 

 

Once you’ve completed the above, please follow these steps:

  1. Login to Stash on a web browser.
  2. Follow this link to start a transfer (https://app.stash.com/withdrawals/new).
  3. Fill out the form (follow the on-screen instructions).
  4. Wait 2 to 4 business days for your cash to be transferred to your linked bank.

Note: If you cannot complete the form in a browser, you can download the appropriate form below and follow the below instructions instead.

 

Roth IRA

View the Roth IRA Instructions | Download Roth IRA Form

Traditional IRA

View the Traditional IRA Instructions | Download Traditional IRA Form

 


DISCLOSURES

Roth IRA: Withdrawals of the money (Contributions) you put in are penalty and tax free. Prior to age 59 1/2 , withdrawals of interest and earnings are subject to income tax and 10% penalty. All earnings are tax free at age 59 ½ or older, assuming your first contribution was more than 5 years prior. Income Eligibility applies.  

Traditional IRA: Withdrawing prior to age 59 ½, generally means you’re subject to income tax and a 10% penalty. Withdrawals after age 59 ½ are only subject to income tax but no penalty.

Please review the IRS website for additional information. This is not tax advice. Please consult with a tax professional for ad

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