• 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 (IRA), you must complete the following steps: Link your external bank account to Stash so we can transfer your balance to you. (Learn how →) Turn off auto invest for your IRA. (Learn how →) Sell all of the investments in your IRA.…

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

  Yes, you will need to add a beneficiary to your Stash Retire account, even if you already have one for a Stash Invest account. Adding a beneficiary for your Invest account does not add a beneficiary to your Retire account.  Note: You can name the same person as the beneficiary of both accounts.…

• Q. Do I have to pay taxes on my Stash Retire investments?

  You are required by the IRS to report income earned from capital gains and other applicable distributions. This means you will need to pay taxes on money you make through capital gains, dividends, and income interest. To put it another way: If one of the funds in your portfolio increases in value,…

• 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,…

• Q. 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. …

• Q. Contributing to your Stash Retire Account

  You can contribute to your Stash Retire account at any time, but there are some guidelines: Yearly Contribution Limits 49 years old or younger: $6,500 50 years old or older: $7,500 Tax Deadlines The deadline for contributing to your IRA for the current tax year is the same as the tax filing deadline.…

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