• 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. How do I close my Retirement Portfolio?

  Before you can close 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 →) Turn off Set Schedule for your Retirement Portfolio. (Learn how →) Sell all of the investments in your Retirement Portfolio and wait for the sale to settle (up to three business days).…

• 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. 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. 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. I already contribute to an IRA. Can I still use Stash Retire?

  Yes, even if you already have a separate IRA you can still use Stash Retire. What about the IRA contribution limits? The annual IRA contribution limit set by the IRS is the total amount you’re allowed to put into all your IRAs.…

• 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. Is there a limit to how much I can transfer from my external account to my Stash Invest accounts?

  The current one-time transfer limit from an external bank account to Stash Personal Portfolio/Custodian/Smart Portfolio is $10,000 and from an external bank account to Stash Retire is $6,000.…

• 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. I didn’t finish signing up for Stash Retire. How can I complete my account?

  It’s no sweat to resume sign-up for Stash Retire. Log on to Stash.com and tap this link—it will take you right back to your registration. Of course, if you have any questions, don’t hesitate to contact Support.  DISCLOSURES Stash does not monitor whether a customer is eligible for a particular type of IRA,…

• 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. 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,…

• 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 →).…

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