Stash Retirement: Start Investing for Your Future with Just $5
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Stash Retirement: Start Investing for Your Future with Just $5
Stash Retirement offers beginner-friendly Traditional and Roth IRAs, making it easy to start saving for retirement with tax-advantaged benefits and automated investing tools—all within a simple mobile app.
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Stash Retirement: Start Invest...
What Is Stash Retirement?
Stash Retirement is part of the Stash financial platform, giving you access to retirement accounts with low minimums, automatic investing, and personalized guidance.
Choose between a Traditional or Roth IRA and start building a future—your way.
| Offers | Best For | Minimum Balance | Trading Fees | Get Started |
|---|---|---|---|---|
| IRAs | Tools and guidance to build diversified retirement portfolios | $5 | $0 | Visit Website |
How Stash IRA Works
Stash Retirement offers tax-advantaged accounts to save for your golden years.
- Download the Stash app or sign up online.
- Select a Traditional or Roth IRA based on your goals and tax preferences.
- Choose your investments or opt into Stash’s automated investing tools.
- Set up one-time or recurring contributions to build your retirement portfolio over time.
Key Features & Benefits
| Feature | Benefit |
|---|---|
| Low Minimum Investment | Start saving for retirement with as little as $5 |
| Tax-Advantaged Accounts | Choose between Traditional (pre-tax) or Roth (post-tax) IRA options |
| DIY or Automated Investing | Pick your own investments or let the Smart Portfolio manage it for you |
| Recurring Contributions | Set up auto-deposits to stay consistent with your retirement goals |
| Financial Education | Learn as you go with built-in tips, guides, and investment advice |
Who Is It For?
- New investors looking to start a retirement account with minimal funds
- Busy individuals who prefer automated investing tools
- People seeking a simple, app-based solution to grow retirement savings
Pricing & Fees
- Stash Growth Plan: $3/month – includes Smart Portfolio access, banking, budgeting tools, and $1K insurance
- Stash+ Plan: $9/month – adds retirement and custodial accounts, market insights, 1% Stock-Back® rewards, and $10K insurance
- No added commissions on trades
Trust & Security
- SEC-registered investment adviser
- Brokerage services through Stash Capital LLC, member FINRA/SIPC
- Bank-grade encryption and account protections
FAQs about Stash Retirement
Are Stash IRAs managed?
Stash Smart Portfolios offer automated investing, but they are not actively monitored or rebalanced. You are responsible for selecting the appropriate account and contribution levels.
Can I withdraw from my Stash IRA?
Yes, but early withdrawals (before age 59½) may result in penalties and taxes. Always consult with a tax professional before withdrawing retirement funds.
Does Stash offer a Rollover IRA?
No, Stash currently does not support rollover IRAs or IRA transfers from other providers.
Why choose a Stash Roth IRA?
With a Roth IRA, your qualified retirement withdrawals are tax-free. Contributions are made with after-tax dollars, making it ideal for long-term, tax-efficient growth.
| Account Types | Retirement |
|---|---|
| Features & Access | Educational Resources, Savings Automation |
| Fees & Pricing | Commission-Free, Flat Monthly Fee |
| Investment Options | ETFs, Stocks |
| Minimum Deposit | $1–$99 |
| Perks & Value Adds | Retirement Planning Tools, Rewards & Cashback, Round-Up Savings |
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