How Do I Transfer Cash From My Retirement Portfolio?
Before you can transfer from your Retirement Portfolio, make sure you’ve done the following.
- Link your bank to Stash so we can transfer your cash to you (Learn how →).
- Sell all of the investments in your Retirement Portfolio and wait up to 3 business days for the sale to settle (Learn how →).
If you’re withdrawing all your funds, turn off Set Schedule for your Retirement Portfolio (Learn how →).
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.
- Log in to Stash on a web browser.
- Follow this link to start a transfer (https://app.stash.com/withdrawals/new).
- Fill out the form (follow the on-screen instructions).
- 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.
View the Roth IRA Instructions | Download Roth IRA Form
View the Traditional IRA Instructions | Download Traditional IRA Form
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 additional questions. Closing your Retirement Portfolio will not close your Stash subscription.
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