Stash
Beginner-friendly micro-investing with banking and education
How it works
Stash is a beginner-focused investing app that combines a personal brokerage, managed Smart Portfolio, and banking in a single subscription. You can buy fractional shares of stocks and ETFs organized around themes and interests, automate investing through round-ups and recurring transfers, and earn fractional shares on debit card purchases through the Stock-Back program. The platform emphasizes financial literacy with bite-sized lessons built into every step.
Is it right for you?
Consider if you
- You're new to investing and want bite-sized education as you learn
- You want to invest spare change and earn fractional shares on everyday spending
- You prefer a flat monthly subscription fee over AUM-based pricing
Skip if you
- Investors with larger portfolios who would do better with percentage-based AUM fees
- Those who need tax-loss harvesting, joint accounts, or more than 3 portfolio options
Your money and data
Stash Investments LLC is an SEC-registered investment adviser. Brokerage accounts are held at Apex Clearing Corporation, an SEC-registered broker-dealer and FINRA/SIPC member. Your invested assets are SIPC-protected up to $500,000. Cash in Stash banking accounts is FDIC-insured through partner banks. Apex Clearing carries excess SIPC insurance through Lloyd's of London.
Pros & Cons
Pros
- Stock-Back debit card earns fractional shares on every purchase
- Built-in financial education breaks down investing concepts for beginners
- Flat $3/month fee means large portfolios effectively pay just 0.072% or less
Cons
- $3/month flat fee is expensive for small accounts — effectively 3.6% per year on $1,000
- No tax-loss harvesting or advanced tax strategies
- Only 3 preset Smart Portfolio options — conservative, moderate, aggressive
Pricing details
$3/month Stash Growth · $9/month Stash+ · $1 minimum to open · $5 minimum to start investing
On stash.com · We may earn a commission
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