- Home
- Robo-Advisors
- Stash Review
ConsumersAdvocate.org Rating: 9.8 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner. Learn more.
Founded in 2105, Stash Investments, LLC offers a personal finance app that provides artificial intelligence-based direction to investors and enables them to conveniently trade thousands of stocks and ETFs, without the help of a traditional stock broker. Stash customers may also open a Stash debit account and obtain a branded VISA debit card* and start earning stock rewards on certain purchases**. Stash is located in New York, New York.
How Do We Rate Stash?
Breakdown
5.0/5
Features
5.0/5
Pricing and fees
4.8/5
Reputation
Our Overall Rating: 4.9 / 5 (Excellent)
Although it's not a true robo-advisor, Stash offers an opportunity for younger, smaller, and beginning investors to get in the habit of regularly putting small amounts of money into the financial markets. It also teaches its customers about different investment types and situations. This makes it an appropriate choice for people who are just beginning their investment journey. It offers a range of curated investment opportunities that's broad enough to appeal to most investment strategies and interests.
Users can begin using Stash with a very low minimum investment. Monthly subscription fees are correspondingly low. Stash makes it easy to understand plan costs and features on its home page.
Stash Account Features
Features - 5 / 5
With Stash, customers can choose to invest their money in thousands of individual stocks and ETFs. Large and small investors alike can build a diversified portfolio by selecting stocks available through the app. The company also offers a range of educational materials, presented in a particularly engaging way, to help beginning investors gain investment expertise.
Robo-advisor Type | Fully Automated |
Account Minimum | $5 |
Goals |
Save for Retirement
General Investing
|
Integration with Other Accounts | Checking Account |
Types of Assets |
Stocks
ETF Portfolios
|
Access to Financial Advisors | No |
Automatic Portfolio Rebalancing | No |
Tax Loss Harvesting | No |
Investment Focus
Stash investors can purchase a variety of industry- goal- and value-focused ETFs. Industry-specific ETFs include those in the robotics, cybersecurity, internet tech, defense, travel, water, construction, public works, utilities, and cannabis sectors. ETFs that target specific investment goals include those which concentrate on growth, dividends, bonds, emerging markets, small-cap stocks, and blue chip investments. Stash's values-based ETFs include funds that invest in women-led organizations, zero-carbon companies, green energy firms, and socially-responsible enterprises.
Stash Fees & Commission
Pricing and fees - 5 / 5
Stash gives customers a choice of two affordable subscription plans***. Each plan offers different service features. You pay more for increasing features, but all subscriptions are pretty easy to fit in your monthly budget.
The Growth plan is $3 a month and includes what was mentioned above as well as access to either a Roth or Traditional IRA. Finally, the Stash+ plan includes all the features in the Beginner and Growth plans as well as investment accounts for 2 children, and double the Stock-BackⓇ **** rewards on certain purchases. While Stash does not charge trading commissions itself, standard trading fees will still apply.
Billing Frequency | Monthly |
Commission | Zero add-on trading commissions*** |
Stash Reputation & Customer Service
Reputation - 4.8 / 5
Stash has been in business since 2015. Its online reputation is not stellar: the company receives an average rating of 3.5 stars on Trustpilot and a surprising F rating from the Better Business Bureau. Complaints against the company have primarily to do with canceling subscriptions and delays in receiving proceeds from stock trades made through the app.
On the other hand, both Android and iPhone users rate the app highly, with 4.0 and 4.7 stars respectively.
Year Founded | 2015 |
Consumer Financial Protection Board (CFPB) Complaints | 0 |
SIPC Membership | Yes |
BBB Rating | F |
Trust Pilot Rating | 3.5 out of 10 |
Contact Methods |
Phone
Email
|
Mobile App | Yes |
Date Collected | 2021-01-21 |
Company Profile
Full Name | Stash Investments Robo Advisor |
Company Website | |
Headquarters | 500 7th Ave, Floor 18, New York, NY, 10018 |
Disclaimers
Paid non-client endorsement. See Apple App Store and Google Play reviews. View important disclosure for details.
*Debit Account Services provided by and Stash Visa Debit Card issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Account opening of the debit account is subject to Green Dot Bank approval. Investment products and services are offered by Stash Investments LLC, not Green Dot Bank, and are Not FDIC Insured, Not Bank Guaranteed and May Lose Value. In order for a user to be eligible for a Stash debit account, they must also have opened a taxable brokerage account on Stash.
**Program is subject to Terms and Conditions. Stash Stock-Back® Rewards is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any stock rewards earned through this program. In order to earn stock through this program, the Stash Debit card must be used to make a qualifying purchase (What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P payments. See Terms and Conditions for more details). In order for a user to be eligible for a Stash debit account, they must also have opened a taxable brokerage account on Stash. Stock-Back® Rewards that are issued into a participating customer's personal brokerage account via the Stash Stock-Back® Program, are not FDIC Insured, Not Bank Guaranteed and May Lose Value. Investing involves risk. Holdings and performance are hypothetical. Listed investments currently available on Stash but not necessarily representative of all investments. See full investments: https://www.stashinvest.com/investments/stocks.
***You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash and the custodian. For current fee schedule, please see the Stash Wrap Fee Brochure. Other fees apply to the debit account. Please see Deposit Account Agreement for details.
****In addition to 2x Stock-Back® rewards on all qualifying purchases, as a Stash+ subscriber, you’ll exclusively be eligible for bonus Stock-Back® offers on certain purchases. See full terms and conditions. Metal cards will start being shipped Fall 2019. Members will receive a plastic debit card until the metal card ships.
Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.
**Program is subject to Terms and Conditions. Stash Stock-Back® Rewards is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any stock rewards earned through this program. In order to earn stock through this program, the Stash Debit card must be used to make a qualifying purchase (What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P payments. See Terms and Conditions for more details). In order for a user to be eligible for a Stash debit account, they must also have opened a taxable brokerage account on Stash. Stock-Back® Rewards that are issued into a participating customer's personal brokerage account via the Stash Stock-Back® Program, are not FDIC Insured, Not Bank Guaranteed and May Lose Value. Investing involves risk. Holdings and performance are hypothetical. Listed investments currently available on Stash but not necessarily representative of all investments. See full investments: https://www.stashinvest.com/investments/stocks.
***You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash and the custodian. For current fee schedule, please see the Stash Wrap Fee Brochure. Other fees apply to the debit account. Please see Deposit Account Agreement for details.
****In addition to 2x Stock-Back® rewards on all qualifying purchases, as a Stash+ subscriber, you’ll exclusively be eligible for bonus Stock-Back® offers on certain purchases. See full terms and conditions. Metal cards will start being shipped Fall 2019. Members will receive a plastic debit card until the metal card ships.
Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.
- Start investing with $5 or less.
- User-friendly educational materials
- Manage your account online or via the Stash app
- Over 5 million users
- Highly-rated app for Android devices and iPhones
- VISA debit card earns Stock-Back® rewards