• 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. 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. Am I ready to open a Retire account?

  Everyone’s circumstances are different, so it’s hard to say when it’s the right time for you to open your Stash Retire account. Keep in mind that a Retire account is meant to invest for your future, which means you should probably plan on waiting until you’re at least 59.5 before you withdraw the money saved in this account.…

• Q. Do I need Stash Invest and Stash Retire?

  No, you can sign up for just one or the other. But, to ensure you’re saving and investing in the most efficient way for the long term, using both Stash Retire and Invest together may be the way to go. How do I sign up for just Stash Invest?…

• Q. Will I be charged a penalty if I close my Retire account?

  Yes. If you have a Roth IRA, you may close your account and withdraw your funds at any time. However, if you have not yet reached 59 ½ years old, you may be subject to penalties and taxes by the IRS.…

• Q. What is a Roth IRA?

  Roth is a type of individual retirement account (IRA). It allows you to invest in stocks, bonds, mutual funds, certificates of deposit, ETFs, index funds, etc. using the money you’ve already paid income taxes on. With a Roth IRA, your earnings and dividends grow tax-free.…

• Q. Who is Stash Retire for?

  Stash Retire is for people who want to save for retirement. You can use Stash Retire in addition to your employer-sponsored 401(K). You can also use Stash Retire if you’ve never saved for retirement before. All you need is $1 to get started!…

• Q. How much money can I contribute to my Stash Retire account?

  If you’re 49 years old or younger The yearly contribution limit to all IRAs (including Stash Retire) is $5,500. If you’re turning 50 this year (or are older) The annual contribution for people who are turning 50 this calendar year or older is $6,500.…

• Q. When can I take my money out of Stash Retire?

  Ideally, you want to keep this money growing until you’re 59 ½ years-old. This is how you get the greatest tax benefits from your Stash Retire investment. If you have any questions about withdrawing funds from your Stash Retire account, it would be best to consult with a tax advisor.…

• Q. Can I still contribute toward last year’s IRA contribution limit?

  It depends. Is it before April 15th (or this year’s tax deadline day)? If the answer is ‘Yes’, you can still contribute under the previous year’s maximum. The deadline to contribute to the previous year’s IRA contribution maximum is the closest business day on or after April 15.…

• Q. What is a Traditional IRA?

  A Traditional Individual Retirement Account (IRA) allows a client to invest in stocks, bonds, mutual funds, certificates of deposit, ETFs index funds etc. using pre-tax dollars. That means the client does not pay income taxes on the money they are using to invest until they withdraw the money from the account.…

• Q. I signed up for a Stash Retire account only. Is it possible to now sign up for a personal Invest account?

  At this time, if you want to sign up for a Stash Invest personal brokerage account after signing up for Stash Retire, you can do so on the web or in the iOS app.…

• Q. How is Stash Retire different from other retirement accounts?

  Stash is a low-cost retirement platform with in-app educational services that allows you to choose your own investments. With Stash Retire, you can create a portfolio that’s tailored to your interests, risk profile,  and goals that you can keep building until you’re 59 ½.…

• Q. I already have a 401(k) through my workplace. Can I still use Stash Retire?

  Yes! You can save with Stash Retire in addition to your employer’s 401(k).…

• Q. How will I know how to build the right retirement portfolio with Stash?

  When you’re setting up your Stash Retire account you’ll be presented with two investment choices: Your recommended investment Mix (Conservative, Moderate or Aggressive) and Park My Cash. Your Mix is a diversified fund tailored to your risk level. Each Mix is a highly balanced mix of stocks,…

• Q. Do I need a separate beneficiary for my retire account?

  Yes, you will need to designate a beneficiary to your Stash Retire account (even if you already have one for a Stash Invest account). You can name the same person as the beneficiary of both accounts. How do I add a beneficiary for my Stash Retire account?…

• Q. What are my Stash investment portfolio choices?

  Investing can feel overwhelming if you don’t know where to start.  It’s why Stash makes things simple with its four investment portfolio options: Investing simplified: Personal Portfolio: Stash’s Personal Portfolio is intended to combine a high degree of flexibility on your part,…

• Q. 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 →).…

• Q. Withdrawing from your Retirement Portfolio

  You can either make a partial withdrawal from your Retirement portfolio (IRA), or you can close it completely.  Important Note: The minimum age to withdraw money from an IRA is 59 ½ years old. If you withdraw funds from your Retire Portfolio before age 59 ½,…

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