You can contribute to your Stash Retirement Portfolio at any time, but there are some guidelines.

Contribution Limits for the 2025 contribution year:

1. 49 years old or younger: $7,000.
2. 50 years old or older: $8,000.

The deadline for contributing to your IRA for the current tax year is the same as the tax filing deadline (typically April 15). When you make a contribution to your IRA, you’ll be asked which year you would like the contribution to go toward. If you’ve already maxed out your IRA for the previous year, you’ll only be able to contribute toward the current calendar year’s IRA contribution limit. And don’t worry if you’ve already filed your taxes, you can still make a contribution.

How will I know if I’m close to my limit?

If you attempt to make a contribution to your Stash Retirement Portfolio that will exceed your limit, you’ll get an alert from us telling you that you’re at your limit. We also suggest keeping your own records of your contribution amounts to all your IRAs (including your Stash Retirement Portfolio). If you’re concerned about contributing more than the contribution limit for the current tax year, please consult with a tax professional (like an accountant) to help you understand your options.

1. Decide what investment you would like to purchase.
2. Tap into the investment and tap the blue Invest button.
3. Enter the amount you wish to invest.
4. Select your desired source of funds as the “From” account.
   1. Your Portfolio Cash represents the funds in your Retirement Portfolio that are not invested.
5. Select your Retirement Portfolio as the “To” account.
6. Verify the details and tap the Invest button to initiate the investment.

Note: If you would like to make this a recurring investment, use this article to learn more about managing your Auto-Stash settings.

1. Decide what investment you would like to purchase.
2. Click on the investment and click the blue Invest button.
3. Choose your desired source of funds for this investment.
   1. Your Portfolio Cash represents the funds in your Retirement Portfolio that are not invested.
4. Select your Retirement Portfolio as the location for your investment.
5. Enter the amount you wish to invest and click the blue Continue button.
6. Verify the details and click Confirm to initiate the investment.

Note: If you would like to make this a recurring investment, use this article to learn more about managing your Auto-Stash settings.

The minimum age to withdraw money from an IRA is 59 1/2 years old. If you withdraw funds from your Retirement Portfolio before age 59 1/2, you may be subject to tax penalties from the IRS.

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 1/2 or older, assuming your first contribution was more than 5 years prior.
• Income Eligibility applies.

Traditional IRA:

• Withdrawing prior to age 59 1/2, generally means you’re subject to income tax and 10% penalty.
• Withdrawals after age 59 1/2 are only subject to income tax but no penalty.

Be sure to understand state IRA withholding requirements before moving any funds. You can see more specifics in this article.

1. Before beginning, make sure you have a linked bank account.
2. Follow this link to start a transfer.
   1. Note: If you were expecting to withdraw more than the dollar amount shown as your transfer limit, you may need to wait for recent sales to settle or sell other investments in your Retirement Portfolio. If you have purchased this investment within the last week, there may be additional delays.
3. Fill out the form (follow the on-screen instructions).
   1. Once the complete form is submitted, the transfer will begin to process. You should expect to receive the funds in your external bank account within 3 business days.

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

Roth IRA:

View the Roth IRA Instructions | Download Roth IRA Form

Traditional IRA:

View the Traditional IRA Instructions | Download Traditional IRA Form

Note: If you are looking to transfer your investments directly to another broker, you will have to initiate an ACAT transfer from your new brokerage account. Use this link for specific details about ACAT transfers from Stash to a different brokerage account.

1. Open this link.
2. Tap the gear icon in the upper-right corner.
3. Scroll to the bottom, then tap Close retirement account.
4. Follow the prompts to close your Retirement Portfolio.

Important Note: Closing your IRA will not close your subscription. Get help closing your subscription

1. Use this link to open to your “Manage accounts” page.
2. Click Close Account next to Retirement Portfolio.
3. Fill out the form (follow the on-screen instructions).
   1. If you cannot complete the form, please download the appropriate form and follow the instructions found in the “How do I transfer funds from my Retirement Portfolio to another account?” section of this guide.
4. Wait up to 3 business days for your balance to be transferred to your externally linked bank account.
5. After you’ve received your balance in your external linked bank account, follow this link to select your tax withholdings.
   1. Important: If you are withdrawing from a Traditional IRA account, you must review the mandatory minimum tax withholding information seen here: IRA Close or Withdrawal State IRA Withholding Requirements. If you do not follow these regulations, your transfer could be rejected.
6. Follow the prompts to close your IRA.
   1. We’ll close your IRA within four business days and send you an email to confirm that your IRA has been closed.

Important Note: Closing your IRA will not close your subscription. Get help closing your subscription