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Opening an IRA on Stash

If you opted to skip opening an individual retirement account (IRA) when you signed up for Stash, or started signing up but didn’t finish, you can still sign up for this account at any time from within your Stash account. Stash offers two types of IRAs: Roth and Traditional. 

Learn about the difference between Roth and Traditional IRAs

Anyone looking to save money for retirement can open an IRA with Stash, even if you already contribute to an employer-sponsored retirement plan (401k), or have an IRA somewhere else. All you need is $5 to get started! 

Roth and Traditional IRAs have different tax implications, so you may want to consult with a tax professional before opening your IRA. There are also limits to the annual contribution you can make, depending on your age. 

Find out more about taxes and IRAs

IRA contribution limits

How do I open my IRA? 

Follow these steps to sign up for an IRA on the Stash app:

  1. Login to the Stash app. 
  2. Tap Investing at the bottom of the screen. 
  3. Tap Set Up next to Retirement Portfolio
  4. Follow the prompts to open your IRA.


Still need help opening your IRA, or have additional questions? Please give us a call at 800-205-5164 from 8:00 a.m.-8:00 p.m. ET Monday-Friday, or email us at


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.


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