[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/moneydoneright.com\/passive-income\/stock-investing\/stash-review\/#Article","mainEntityOfPage":"https:\/\/moneydoneright.com\/passive-income\/stock-investing\/stash-review\/","headline":"Stash App Review 2025: Investing Made Easy","name":"Stash App Review 2025: Investing Made Easy","description":"Stash Basics: Stash is a personal finance app that wants everyone to get into...","datePublished":"2021-06-29","dateModified":"2025-01-21","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/logan-allec\/#Person","name":"Logan Allec, CPA","url":"https:\/\/moneydoneright.com\/author\/logan-allec\/","identifier":4,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6e74dd0453a5871d1dcfde6d40d9494765ca8bfdb01927cefee4564d4bee9075?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6e74dd0453a5871d1dcfde6d40d9494765ca8bfdb01927cefee4564d4bee9075?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/stash-app-review.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/stash-app-review.png","height":460,"width":1900},"url":"https:\/\/moneydoneright.com\/passive-income\/stock-investing\/stash-review\/","video":[{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=TD6EJXomrFM#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=TD6EJXomrFM","name":"Stash Review: My Take as a CPA (Full Tutorial, Pros + Cons, and More)","description":"In this Stash review for the year 2021, I cover everything you need to know about the popular Stash investing app.  I'll give you a complete walkthrough and tutorial of the Stash app as well as tell you the Stash pros and cons so you can know whether or not Stash is right for you.  Have you ever used Stash?  If not, which investing platform do you use and why?\n\n\u27a1\ufe0f My Stash Bonus Link ($20 As of April 2021): https:\/\/moneydoneright.com\/stash\/\n\n\u27a1\ufe0f My Citi Double Cash Link (Mentioned at 31:00): http:\/\/go.moneydoneright.com\/citi-double-cash\n\n\u27a1\ufe0f My Amex Blue Cash Preferred Link (Mentioned at 32:26): http:\/\/go.moneydoneright.com\/american-express-blue-cash-preferred\n\nAlso Mentioned In This Video:\n\u27a1\ufe0f My Acorns Review Video: https:\/\/youtu.be\/B-yMVEjWn3A\n\u27a1\ufe0f My Investing for Beginners Video: https:\/\/youtu.be\/oAd4Jfzjpq0\n\u27a1\ufe0f My 529 Plans Video: https:\/\/youtu.be\/Njo8OvO0IhI\n\u27a1\ufe0f My M1 Finance Review Video: https:\/\/youtu.be\/XNMhp9xeNq8\n\u27a1\ufe0f My Best Credit Cards Video: https:\/\/youtu.be\/3EYNsjjVOTw\n\u27a1\ufe0f My Citi Double Cash Review Video: https:\/\/youtu.be\/nSi1kdU5o3I\n\u27a1\ufe0f My Bestow Life Insurance Review Video: https:\/\/youtu.be\/gszAhTHeaiU\n\nCool Stuff:\n\ud83d\ude97 Free Auto Insurance Quotes: http:\/\/go.moneydoneright.com\/gabi\n\ud83c\udfe1 Free Mortgage Refi Rates: https:\/\/moneydoneright.com\/credit-karma-home-mortgage\/\n\u26b0\ufe0f Free Life Insurance Quotes: https:\/\/moneydoneright.com\/quotacy-life\/\n\ud83d\udcb5 Free Personal Loan Quotes: https:\/\/moneydoneright.com\/fiona\n\ud83d\udcbb Get Cash Back on Online Shopping: https:\/\/moneydoneright.com\/rakuten\/\n\ud83d\uded2 Get Cash Back on Groceries: https:\/\/moneydoneright.com\/ibotta\n\nVideos:\n\u26fd Easy Way to Save Money on Gas: https:\/\/youtu.be\/Uw9Wb-tIl1A\n\ud83d\udcc8 11 Places to Get Free Stocks: https:\/\/youtu.be\/g2PNE74eyks\n\ud83d\udcb3 Best Credit Cards For 2021: https:\/\/youtu.be\/3EYNsjjVOTw\n\ud83d\udce6 7 Ways to Get Free Stuff: https:\/\/youtu.be\/o7CaiOPMhhA\n\ud83d\ude80 Review of My Favorite Stock Broker: https:\/\/youtu.be\/XNMhp9xeNq8\n\ud83d\udcb0 Free Millionaire Math Webinar: https:\/\/loganallec.com\/\n\ud83d\udc6a Our Family Vlog: https:\/\/youtube.com\/TheAllecFamily\n\nPrograms (Use Coupon Code YOUTUBE for 50% Off!):\n\ud83c\udf93 Prosper: https:\/\/www.loganeducation.com\/offers\/FUmjEuPB\/checkout\n\nTable of Contents:\n0:00 Stash Review\n1:00 Setting Up Your Stash Account\n2:55 The Three Stash Plans\n3:23 Stash Beginner\n6:13 Stash Growth\n6:45 Stash+\n7:53 My Opinion on the Three Stash Plans\n12:20 Stash Walkthrough and Tutorial\n13:22 Stash Portfolio\n14:20 How to Buy Stocks in Stash\n16:22 How to Buy ETFs in Stash\n21:36 Fractional Shares\n22:05 Stash Investment Recommendations\n23:02 Stash Smart Portfolio\n24:31 Stash Spend (Banking)\n26:27 Auto-Stash\n26:57 Stash Round-Up Feature\n28:08 Stash Bank Screen\n28:25 Stash Fee-Free ATM Network\n28:50 Stash Bill Pay\n29:02 Stash Stock-Back Card Review\n34:08 Stash Education\n34:34 Stash Goals\n34:55 Stash Plan\n36:09 Stash Settings\n36:44 Linking Bank Accounts to Stash\n37:27 Stash Documents\n37:31 Stash Referral Program\n37:42 Stash Support\n37:56 Stash Pros and Cons\n\nThis video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities.\n\n#investing #stocks #stashapp","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/TD6EJXomrFM\/default.jpg","https:\/\/i.ytimg.com\/vi\/TD6EJXomrFM\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/TD6EJXomrFM\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/TD6EJXomrFM\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/TD6EJXomrFM\/maxresdefault.jpg"],"uploadDate":"2021-04-08T17:01:51+00:00","duration":"PT41M55S","embedUrl":"https:\/\/www.youtube.com\/embed\/TD6EJXomrFM","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCQ9WUXlSuLlbi5BLkgtEUEA#Organization","url":"https:\/\/www.youtube.com\/channel\/UCQ9WUXlSuLlbi5BLkgtEUEA","name":"Logan Allec","description":"Logan Allec is a CPA and the founder of Choice Tax Relief, which specializes in helping people with their IRS and state tax debt.","logo":{"url":"https:\/\/yt3.ggpht.com\/43_VKqrbO06RGMcxfdQbDXosrkVRq1yf5QgSQEiR4ILUGWV9fJtTh0o2ftYMYqVo6PwnEOPRdg=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=TD6EJXomrFM#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=TD6EJXomrFM#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=TD6EJXomrFM&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"},"interactionStatistic":[[{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=TD6EJXomrFM#VideoObject_interactionStatistic_WatchAction","interactionType":{"@type":"WatchAction"},"userInteractionCount":5950}],{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=TD6EJXomrFM#VideoObject_interactionStatistic_LikeAction","interactionType":{"@type":"LikeAction"},"userInteractionCount":250}]},null,{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=XNMhp9xeNq8#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=XNMhp9xeNq8","name":"M1 Finance Review | Pros + Cons | My M1 Finance Portfolio Revealed","description":"In this M1 Finance review for the year 2021, I cover everything you need to know about the popular M1 Finance investing app.  I personally started using M1 Finance way back in December 2018, and I feel pretty confident in reviewing this platform. I'll give you all the M1 Finance pros and cons on this platform and tell you why I continue to still use this program, DAILY \u2014 despite its drawbacks.  Have you ever used M1 Finance?  If not, which investing platform do you use and why?\n\n\u27a1\ufe0f M1 FINANCE $50 BONUS LINK: https:\/\/moneydoneright.com\/m1finance\/\n\n\ud83c\udfa5 MORE INVESTING VIDEOS:\n\n\u27a1\ufe0f Investing for Beginners: https:\/\/youtu.be\/oAd4Jfzjpq0\n\n\u27a1\ufe0f Roth IRA vs. Traditional IRA: Similarities, Differences, and More!: https:\/\/youtu.be\/kUiY-QnrSu8\n\n\ud83d\udcb0\ud83c\udf93 THE MONEY COURSE (Use Coupon Code YOUTUBE For 50% Off!):\nhttps:\/\/www.loganeducation.com\/offers\/FUmjEuPB\/checkout\n\n#investing #stocks #m1finance","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/XNMhp9xeNq8\/default.jpg","https:\/\/i.ytimg.com\/vi\/XNMhp9xeNq8\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/XNMhp9xeNq8\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/XNMhp9xeNq8\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/XNMhp9xeNq8\/maxresdefault.jpg"],"uploadDate":"2021-02-26T17:00:15+00:00","duration":"PT13M35S","embedUrl":"https:\/\/www.youtube.com\/embed\/XNMhp9xeNq8","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCQ9WUXlSuLlbi5BLkgtEUEA#Organization","url":"https:\/\/www.youtube.com\/channel\/UCQ9WUXlSuLlbi5BLkgtEUEA","name":"Logan Allec","description":"Logan Allec is a CPA and the founder of Choice Tax Relief, which specializes in helping people with their IRS and state tax debt.","logo":{"url":"https:\/\/yt3.ggpht.com\/43_VKqrbO06RGMcxfdQbDXosrkVRq1yf5QgSQEiR4ILUGWV9fJtTh0o2ftYMYqVo6PwnEOPRdg=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=XNMhp9xeNq8#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=XNMhp9xeNq8#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=XNMhp9xeNq8&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"},"interactionStatistic":[[{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=XNMhp9xeNq8#VideoObject_interactionStatistic_WatchAction","interactionType":{"@type":"WatchAction"},"userInteractionCount":43697}],{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=XNMhp9xeNq8#VideoObject_interactionStatistic_LikeAction","interactionType":{"@type":"LikeAction"},"userInteractionCount":1369}]},{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=-Wk6gF9y5Vg#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=-Wk6gF9y5Vg","name":"Stash vs Acorns: Which Is The Better Investing App For Beginners?","description":"In this Stash vs. Acorns video, I compare two very similar investing apps for beginners that I've reviewed within the past few months. Both the Stash app and the Acorns app are oriented toward beginner investors so they have that similar target market and they both have similar features, but there are pretty significant differences between them that I think are worth talking about!  I hope that through this video I will have provided you with the information you need to make the determination as to which app is best for you!\n\n\u27a1\ufe0f My Stash Bonus Link ($20 As of Time of Publishing): https:\/\/moneydoneright.com\/stash\/\n\n\u27a1\ufe0f My Acorns Bonus Link ($5 As of Time of Publishing): http:\/\/go.moneydoneright.com\/Acorns\n\n\u27a1\ufe0f My Citi Double Cash Link (Mentioned at 31:00): http:\/\/go.moneydoneright.com\/citi-double-cash\n\n\u27a1\ufe0f My Amex Blue Cash Preferred Link (Mentioned at 32:26): http:\/\/go.moneydoneright.com\/american-express-blue-cash-preferred\n\nAlso Mentioned In This Video:\n\u27a1\ufe0f My Acorns Review Video: https:\/\/youtu.be\/B-yMVEjWn3A\n\u27a1\ufe0fMy Stash Review Video: https:\/\/youtu.be\/TD6EJXomrFM\n\u27a1\ufe0f My M1 Finance Review Video: https:\/\/youtu.be\/XNMhp9xeNq8\n\n\u27a1\ufe0f My Best Credit Cards Video: https:\/\/youtu.be\/3EYNsjjVOTw\n\u27a1\ufe0f My Citi Double Cash Review Video: https:\/\/youtu.be\/nSi1kdU5o3I\n\u27a1\ufe0f My Chase Freedom Flex Review: https:\/\/youtu.be\/x6q25OIzpzA\n\n\u27a1\ufe0f Roth IRA vs Traditional IRA Video: https:\/\/youtu.be\/kUiY-QnrSu8\n\u27a1\ufe0f My Video on 529 Plans: https:\/\/youtu.be\/Njo8OvO0IhI\n\nCool Stuff:\n\ud83d\ude97 Free Auto Insurance Quotes: http:\/\/go.moneydoneright.com\/gabi\n\ud83c\udfe1 Free Mortgage Refi Rates: https:\/\/moneydoneright.com\/credit-karma-home-mortgage\/\n\u26b0\ufe0f Free Life Insurance Quotes: https:\/\/moneydoneright.com\/quotacy-life\/\n\ud83d\udcb5 Free Personal Loan Quotes: https:\/\/moneydoneright.com\/upstart-invest\/\n\ud83d\udcbb Get Cash Back on Online Shopping: https:\/\/moneydoneright.com\/ebates\/\n\ud83d\uded2 Get Cash Back on Groceries: https:\/\/moneydoneright.com\/ibotta\n\nVideos:\n\u26fd Easy Way to Save Money on Gas: https:\/\/youtu.be\/Uw9Wb-tIl1A\n\ud83d\udcc8 11 Places to Get Free Stocks: https:\/\/youtu.be\/g2PNE74eyks\n\ud83d\udce6 7 Ways to Get Free Stuff: https:\/\/youtu.be\/o7CaiOPMhhA\n\ud83d\ude80 Review of My Favorite Stock Broker: https:\/\/youtu.be\/XNMhp9xeNq8\n\ud83d\udcb0 Free Millionaire Math Webinar: https:\/\/loganallec.com\/\n\ud83d\udc6a Our Family Vlog: https:\/\/youtube.com\/TheAllecFamily\n\nPrograms (Use Coupon Code YOUTUBE for 50% Off!):\n\ud83c\udf93 Prosper: https:\/\/www.loganeducation.com\/prosper\n\nFree Download:\n\ud83e\udd11 15 Referral Programs That Make Me Over $20,000 a Month: https:\/\/www.loganeducation.com\/15-referral-programs\n\nTable of Contents:\n0:00 Stash vs Acorns\n2:47 Plans and Fees\n3:40 Features and Benefits\n4:54 Taxable Brokerage Accounts\n5:24 Acorns Investment Options\n6:22 Stash Investment Options\n8:35 Acorns Robo-Advisor\n11:09 Stash Robo-Advisor\n11:46 Acorns vs. Stash Round-Up Feature\n13:06 Acorns Earn\n13:27 Acorns vs. Stash Banking\n14:13 Acorns vs. Stash ATM Networks\n15:19 Acorns Debit Card Cash Back Rewards\n16:09 Stash Debit Card Stock Back Rewards\n17:00 Banking Pricing\n17:11 Retirement Accounts\n18:18 Custodial Accounts\n19:26 Financial Education\n20:18 Stash Life Insurance\n20:55 Referral Program\n21:05 User Experience\n21:35 Stash vs. Acorns Summary\n\nThis video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities.\n\n#investing #stocks #personalfinance","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/-Wk6gF9y5Vg\/default.jpg","https:\/\/i.ytimg.com\/vi\/-Wk6gF9y5Vg\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/-Wk6gF9y5Vg\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/-Wk6gF9y5Vg\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/-Wk6gF9y5Vg\/maxresdefault.jpg"],"uploadDate":"2021-04-17T16:38:17+00:00","duration":"PT25M45S","embedUrl":"https:\/\/www.youtube.com\/embed\/-Wk6gF9y5Vg","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCQ9WUXlSuLlbi5BLkgtEUEA#Organization","url":"https:\/\/www.youtube.com\/channel\/UCQ9WUXlSuLlbi5BLkgtEUEA","name":"Logan Allec","description":"Logan Allec is a CPA and the founder of Choice Tax Relief, which specializes in helping people with their IRS and state tax debt.","logo":{"url":"https:\/\/yt3.ggpht.com\/43_VKqrbO06RGMcxfdQbDXosrkVRq1yf5QgSQEiR4ILUGWV9fJtTh0o2ftYMYqVo6PwnEOPRdg=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=-Wk6gF9y5Vg#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=-Wk6gF9y5Vg#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=-Wk6gF9y5Vg&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"},"interactionStatistic":[[{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=-Wk6gF9y5Vg#VideoObject_interactionStatistic_WatchAction","interactionType":{"@type":"WatchAction"},"userInteractionCount":11324}],{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=-Wk6gF9y5Vg#VideoObject_interactionStatistic_LikeAction","interactionType":{"@type":"LikeAction"},"userInteractionCount":361}]}],"about":["Stocks"],"wordCount":3179,"articleBody":"\t    \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tStash\t\t\t\tBasics: Stash is a personal finance app that wants everyone to get into investing, so it makes it easy to buy your first shares of stocks or exchange-traded funds.Pros: Stash reduces barriers to investing, has an affordable plan and no minimum investment requirement.Cons: While Stash has an affordable plan, some of the same features are offered free elsewhere, some ETFs have high expense ratios, and the Stock-Back rewards card is not as robust as other cards.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tLegitimacy\t\t\t\t\t\t\t\t\t\t10\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPotential Earnings\t\t\t\t\t\t\t\t\t\t8\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTime Required\t\t\t\t\t\t\t\t\t\t9\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFees\t\t\t\t\t\t\t\t\t\t7\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tEase of Use\t\t\t\t\t\t\t\t\t\t9\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tCustomer Support\t\t\t\t\t\t\t\t\t\t7\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tOur Review Methodology        We may receive a commission if you sign up or purchase through links on this page.  Here's more information.    What is Stash?Stash is a personal finance app with the goal to make investing simple and affordable for regular people. They offer subscribers of their investment services three plans, a bank account (through a partner), and a rewards debit cardHow does Stash work?First things first, visit the Stash site using my link to set up an account and receive a $20 bonus (as of the time of this writing). Once you install the app on your phone and set up your account, Stash offers you three investment plans for a monthly subscription fee ranging from $1 to $9.If you\u2019d like to watch a review of Stash, check out my YouTube video below!https:\/\/youtu.be\/TD6EJXomrFMHow to Install the Stash App and Start InvestingAfter you install the Stash app, Stash will ask you for a bit of information about yourself, starting with \u201cThe Basics.\u201d Here\u2019s how to set up your account:Enter your email and secure password (it must contain at least one uppercase letter and at least one number).Next comes your personal information: First name, last name, when you were born, and your phone number. Next, Stash will send you a four-digit security code via either text or phone call for you to enter in order to continue setting up your account.Stash will ask you to create a PIN for when you log in.Select from a list what you are interested in (I don\u2019t know how much this selection really matters, I just selected, \u201cInvest & build wealth\u201d).Once you are done with the basics, you will answer a series of questions to \u201cPersonalize\u201d the experience.You will be asked your employment status, your employer name, your job title, your pre-tax household income, your estimated net worth, filing status, how you\u2019re saving for retirement, your investing experience, your investing goals, and your investing time horizon.Finally, you will reach the \u201cSecure\u201d part of the account setup, where you tell Stash your citizenship status, your social security number (you are opening up a brokerage account with Stash so you need to provide it), your address, other questions that are typically asked when you open up a brokerage account.Confirm the information is correct.Pick one of the three plans: Beginner, Growth or Stash Plus (aka Stash+) and agree to the terms and conditions.You are now set and ready to invest.Stash Features.simple_table-41235 table tr th{\ttext-align: center;\t\t}.simple_table-41235 table tr td{\ttext-align: center;\t\t}Account MinimumNo minimum to open an account, but some products require a $1 deposit (bank account, Stash Retire, Stash custodial accounts). Smart Portfolio requires $5.PlansBeginner, $1\/month; Growth, $3\/month; Plus, $9\/monthAccountsIndividual brokerage accounts; traditional IRA; Roth IRA; UMGA & UMTA custodial accountsStocks3,734 companiesETFs93 funds401(k) AssistanceNoTax Loss HarvestingNoPortfolio RebalancingYesAutomatic DepositsYesAutomatic Round-upYes, if your bankAdviceOn website, no human advisorSmart PortfolioYes, beginning with Growth planSocially ResponsibleYesFractional SharesYesBankingYes, through partner Green Dot Bank, with all plansStock-Back CardLinked debit card offersCustomer ServiceVia web, phone, email and chatStash\u2019s 3 Investment PlansWhen you decide to invest through the Stash app, you will need to choose one of three monthly subscription plans: Beginner is $1 per month; Growth is $3 per month; and Stash+ is $9 a month. With all three plans, you get a banking account (through Green Dot Bank), a rewards debit card, and a small life insurance policy (if you are between the ages of 18 and 54).Let\u2019s dive into these plans to help you determine which one is right for you.Stash BeginnerHere are the features of the Beginner plan for $1 month:A \u201cpersonal investment account,\u201d which is basically a taxable brokerage accountAbility to buy fractional shares of companies (stocks) and themed bundles (ETFs)A banking account with a Stock-Back debit card$1,000 life insurance policy\u201cFree\u201d financial information on learn.stash.comStash GrowthHere is what you get with the $3 a month Growth plan:Everything in the Beginner planOption to open a traditional or Roth IRAAccess to a robo-advisor through the Smart Portfolio featureStash+ with Custodial AccountsThe features of the Stash Plus plan at $9 a month:Everything in the Beginner and Growth plansAbility to open custodial accounts (either a Uniform Gift to Minors Act or Uniform Transfer to Minors Act) for up to two childrenDouble stock rewards on your Stock-Back Card$10,000 in life insurance (instead of $1,000)Premium investment content through its monthly market insights reportStash Investing OptionsDepending upon your monthly Stash subscription, you can have up to three types of accounts: A taxable brokerage account (available in all three plans); a retirement account (IRA, in the Growth and Stash+ plans); and custodial accounts for children (only in the Stash+ plan).The app will let you see your \u201cTotal Stash Value\u201d that includes all your Stash account investments and cash balances. When the market is open, you might see the value fluctuate in close to real-time.You also have the option to see what you have invested in each type of account: Personal, Retirement, and Custodial.Invest in CompaniesIn an effort to help newbies understand investing, Stash refers to buying stocks as buying \u201ccompanies.\u201d The number of companies in which you can invest fluctuates, and it was recently as high as 3,700 companies.This is a nice feature because it allows you to invest in specific stocks. This can be a little riskier than investing in exchange-traded funds, but it\u2019s nice to have this option if you prefer a little more control over your investments.However, Stash does not offer every stock for sale through its app. So, keep that in mind.Invest in Stash-Curated CollectionsThese Stash-Curated Collections are exchange-traded funds. They are like mutual funds in that they are pools of stocks, however, you can buy and sell ETFs like stocks.Stash has some pretty interesting names for its themed collections, like \u201cLarge Global Companies\u201d (the 10 largest companies outside the United States), \u201cMatch the Market,\u201d which is an ETF that just tracks the S&P 500 (iShares Core S&P 500 ETF), and \u201cStocks Worldwide,\u201d a global diversification fund (Vanguard Total World Stock ETF).Buy Fractional Shares with StashSo, that\u2019s how you invest in Stash. The app makes it very easy, and a nice feature is you can invest in fractional shares. This means even if I just have a dollar, I can invest in a stock or ETF even though the price of one share might be hundreds of dollars.Stash\u2019s Diversification Analysis\u201cThe Stash Way\u201d of investing involves three things:Invest regularlyDiversifyInvest for the long-termDiversification, or owning a broad collection of stocks or funds from different economic sectors, is an important piece. Stash will analyze your portfolio to see if you are too heavily invested in any area and recommend investments to help you reduce your risk.Stash\u2019s Smart PortfolioThe Smart Portfolio is Stash\u2019s entry in the robo-advisor game. This is offered with the Growth and Stash Plus plans, which I do not subscribe to. So, I researched this and discovered when you invest money into a Stash smart portfolio, your portfolio is then expert-managed by the Smart Investment Team.It\u2019s not like some investment manager is going to managing your specific portfolio, what\u2019s likely going on behind the scenes here is Stash assigns you into some group based on your age and risk tolerance and other factors and Stash has a portfolio that these \u201cexperts\u201d create for you and everybody else in your group.Your investments are rebalanced periodically to reflect the portfolio allocation that these experts think is appropriate for your profile.To get started with a Smart Portfolio, you will need to make a minimum investment of $5.Management Fees for Stash InvestmentsExchange-traded funds need to make money and be managed, so whenever you invest in an ETF, you will have to pay a management fee. This isn\u2019t a fee you\u2019ll see in your Stash account or your other brokerage account, it\u2019s reflected in the price of the ETF.The management fee is on top of your monthly subscription fee. No matter where you buy shares of ETFs, you will pay this fee, which varies from fund to fund. To see what the fee and expense ratio is by clicking \u201cView more\u201d underneath the Details of a fund.If you have $1,000 invested in an ETF with a 0.5% expense ratio, then it will cost you $5. I like ETFs with low expense ratios, and 0.5% is about middle-of-the-road.Stash\/Green Dot BankingStash is not a bank, right, but it offers FDIC-insured bank accounts through Green Dot Bank. When you open a checking account, you will have to transfer money from another bank. You can open the account for as little as $1. It will take a few days for your ACH transfer to finalize.Stash markets this as getting the bank account that powers your investment account. You will also receive a debit rewards card. Here are the banking features:Stock-Back Rewards Debit CardInterestingly enough, even though I transferred money to open my account, I also had to transfer money to fund the Stock-Back card. I chose just a dollar to get started.When you use your Stash debit card you get \u201cstock back\u201d instead of \u201ccash back.\u201d This means you get fractional shares in a stock or ETF of your choice. The exception is if you use your debit card at a place that has a stock listed on Stash\u2019s platform, such as Amazon, Walmart, Netflix, or Starbucks. In that case, you will earn stock back at that establishment. Stash calls this the matching stock.But if you use your debit card at your local mom and pop diner, you\u2019ll earn stock in the stock or ETF that you choose, Stash calls this your backup investment, and you can easily choose your backup investment by selecting \u201cChange your custom stock reward\u201d in the Stock-Back Card section of the app.No Hidden FeesStash will not charge you a monthly maintenance fee, minimum balance fee, or set-up fee.If you make a transaction that is declined due to insufficient funds, Stash will not charge you an overdraft fee. However, if you attempt to transfer money to other banks without enough funds, those institutions will likely charge you overdraft fees.No-Fee ATM NetworkStash has a network of around 19,000 no-fee ATMs, and you can find them by using the ATM locator function. While there is no fee for in-network ATMs, you will pay a fee if you use an out-of-network ATM. If withdrawing cash is important to you, then search to see where ATMs are located in your area. Where I live, all of the ATMs are inside stores, like pharmacies and grocery stores. Unless a store is open 24 hours, you might not always have access to an ATM.Auto-StashStash says it\u2019s important to automate your savings and investments. It will help you do so with Auto-Stash, which has two features:Recurring Investments: Stash refers to this feature as \u201cSet Schedule.\u201d This allows you to schedule recurring investments from your linked bank account into your Stash Invest account. I love the idea of recurring investments.Automatic Round-Ups: If you\u2019re familiar with Acorns you know what this is: You give Stash permission to look at your linked bank account and whenever you make a purchase in your bank account, Stash will round up that purchase to the next whole dollar amount and invest it (once you reach at least $5 in round-ups). So, if you purchased a coffee for $3.50, Stash will round it up to $4 and invest the 50 cents. I had an issue with my bank, so this feature was a bust for me. I hope you have better luck.Stash Banking GoalsWith Stash, you can also set savings Goals within your bank account. I created a goal called \u201cNew TV\u201d where I told stash I wanted to save $1,000 for a new TV by Independence Day, maybe catch a July Fourth sale. You can assign dollars to each of your goals.Stash Educational Investment ContentI want to mention briefly the educational content that is found in the app. Under Grow Knowledge Quickly, you can find the latest articles and news from Stash. The content here is not anything special, but if you are new to investing and you decided to install the Stash app, then you should find the material interesting and informative.Those who subscribe to the Stash Plus plan, will receive a premium monthly insights report.Stash Pros and ConsStash ProsStash makes it easy to invest: If you are new to investing, Stash takes a little bit of the fear out of investing.Stash offers an affordable plan: For $1 a month, you can invest in stocks and ETFs.Stash has no minimum investment requirements: You can get started investing with just a buck.Access to a robo-advisor: If you have the Growth plan or Stash+, you get access to the robo-advisor Stash Smart Portfolio.Stash ConsStash is not free: While Stash offers an affordable plan for just $1 a month, most of the features in that Stash Beginner plan you can find somewhere else for free.The high-end plan is overpriced: I don\u2019t see the justification for paying $9 a month for the Stash Plus plan.The Stock-Back rewards program is lackluster: Stash has an interesting offer with its debit card: Instead of cash back, it\u2019s \u201cStock-Back.\u201d However, the rewards amount does not compare with some of the best cash-back credit cards.Some ETFs have high expense ratios: Do your homework before investing in ETFs offered through Stash because you might end up paying more than you should.The user interface is confusing: The doesn\u2019t seem to be a linear progression through the app, which can make navigation confusing.Acorns: A Stash AlternativeThere are other investment services that do similar things, but Acorns (see my review) is probably the closest match to what Stash offers. More experienced investors might want to look at M1, a favorite of mine (and I have a review you will want to see).Stash and Acorns do similar things. They both encourage new investors to start investing in small ways in order to build wealth. In the chart below, you will see who I think will do better with Acorns, and who will probably be better off with Stash. The chart is just a brief overview, I really want to encourage you to watch my Stash vs. Acorns review on YouTube..simple_table-41236 table tr th{\ttext-align: center;\t\t}.simple_table-41236 table tr td{\ttext-align: center;\t\t}AcornsStashBetter for complete newbie investorsBetter for slightly more experienced investorsYou just want to set your investments and forget themYou want control over what you invest inYou want robo-advising for only $1\/monthYou want access to premium investment researchYou need a large ATM networkYou want banking for only $1\/monthYou want a more robust round-up featureYou are interested in getting more life insuranceYou want to open a SEP IRAYou like the idea of getting stock back on purchasesYou like cash-back shopping portalsBottom Line: Should You Use Stash Invest?My thoughts about Stash are similar to my thoughts on Acorns (if you saw the review): Everything you can do in Stash in terms of investing and banking you can do at other places for free. And, just like with Acorns, the value of Stash is in the convenience and\/or fun aspect that the Stash app provides.The whole point of Stash, in my opinion, is to get newbies to start investing, and if Stash can do that for you, just like if Acorns can do that for you, sure, I think the Beginner plan at $1 a month is worth it. If Stash accomplishes its purpose in your life, which is to get you to start investing, that fee should become relatively smaller and smaller over time.So if you\u2019re thinking about using Stash, just start with the dollar-a-month plan and see if it\u2019s \u201cworking\u201d for you:Is it helping you to build that habit of investing?Is it getting you excited about long-term investing in the stock market?Is it making investing interesting to you?If so, great, stick with it either for the long-term or just for a little while. Maybe eventually you\u2019ll want to move on to other investment platforms like M1 Finance or Fidelity, but those have much more of a learning curve that maybe you don\u2019t want to learn.Stash makes investing super easy for you, so I\u2019d rather you stick with Stash and pay a dollar a month than not invest at all.\t\t\tThe Stash personal finance app created to make investing easier so more people will participate and build wealth. It offers three different plans, a bank account, and a \u201cStock-Back\u201d rewards debit card.3.5\/5 Rating\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t.st3-41274.btn.btn-default:hover{border-color: #4db848;color: #4db848;background: #fff !important;}\t\t\t\t\tGet $20 of stockWe earn a commission on this offer.\t\t\tStash FAQ.accordion-list .accordion-title:hover{color: #4db848;}Is Stash free?While the app is free to download, in order to purchase stocks or ETFs, you will need to subscribe to one of three monthly programs. Also, if you purchase shares of an ETF, it will have an annual management fee, which varies.What kind of investor is the Stash app good for?Stash's mission is to \"empower regular Americans to build wealth.\" They want to help remove hurdles so people will become investors.How does Stash invest your money?You will choose which \"companies\" (individual stocks) to or thematic funds (exchange-traded funds) to purchase through the Stash app. If you do not have enough to buy whole shares, Stash will purchase fractional shares for you.How often do merchants in the Stash Stock-Back bonus program change?Stash updates the merchants included in the program on a monthly basis.Can I purchase individual stocks on Stash?Yes. With Stash, they are called \"companies.\"Can you buy international stocks on the Stash app?You can buy some individual international stocks on Stash, and you can also purchase shares of ETFs that focus on global companies or companies from foreign countries.Do I have to buy full shares of stock on Stash?You can purchase full shares, but Stash is known for allowing new investors to buy fractional shares of stocks. The minimum purchase is $0.05.Can I buy mutual funds on Stash?Stash does not offer mutual funds, but it does have something similar: Exchange-traded funds. 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