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Stash Retire Review: Everything Uncovered!11 min read

Reading Time: 8 minutes
Summary: This review of the Stash Retirement app covers all that I know about it. After reading you will know the features, UX/UI, investment options, how the bank account works, fees, pricing, customer support info, pros and cons of using it, and more. If your goal is to identify if this is a good option or not, then this will explain it all.

If you’re looking for an easy way to start investing and building retirement savings, Stash Retire is the perfect tool for you. Stash Retire is a robo-advisor investment app that makes investing in retirement simple and accessible.

With Stash Retire, you can start investing with as little as $5 and take advantage of the power of compounding interest and dollar cost averaging. Stash Retire also provides helpful guidance and recommendations tailored to your individual needs and goals.

In this blog post, I will provide an in-depth review of Stash Retire, including the features and benefits of the app, the fees associated with using the service, as well as my overall impressions of the app.

Whether you’re a beginner investor or a seasoned veteran, Stash Retire is the ideal app for anyone looking to build retirement savings with ease.

Stash App Homepage

What is Stash Retire?

Stash Retire is a mobile application that is designed to help users plan and invest for their retirement and investment portfolio or investment account.

The app is offered by Stash, a financial services company that aims to make investing more accessible to people who may not have a lot of money to start with.

Stash Retire allows users to set up a retirement account, choose investments that match their goals and risk tolerance and monitor their progress toward retirement.

The app also provides educational resources and tools to help users make informed investment decisions. Stash Retire is available for download on both iOS and Android devices.

Features of Stash Retire

Stash Retire offers several features that can help users plan and invest for their retirement, including:

  1. Retirement account setup

    Stash Retire allows users to set up a Traditional or Roth IRA (Individual Retirement Account) in just a few minutes, with no account minimums.

  2. Investment options

    The app offers a wide range of investment options, including exchange-traded funds (ETFs) and individual stocks. Users can choose their own investments or select from pre-built investment portfolios based on their goals and risk tolerance.

  3. Automatic investment

    Users can set up automatic investments to make regular contributions to a retirement account. This can help them stay on track toward their retirement goals without having to remember to invest regularly.

  4. Portfolio management

    Stash Retire offers tools and resources to help users manage their retirement portfolio, including performance tracking, investment insights, and risk analysis.

  5. Educational resources:

    The app provides educational resources, including articles, videos, and quizzes, to help users learn about investing and make informed decisions.

  6. Customer support

    Stash Retire offers customer support through phone, email, and in-app messaging, as well as a robust help center with FAQs and other resources.

  7. Security features

    Stash Retire uses bank-level security measures to protect users’ personal and financial information, including 256-bit encryption and two-factor authentication.

User Interface and Ease of Use

Stash Retire has an intuitive and user-friendly interface that makes it easy for users to set up and manage their retirement accounts. The app’s dashboard provides a clear overview of users’ portfolio performance, as well as their contributions and earnings.

Navigation is simple and straightforward, with clearly labeled tabs and menus that allow users to access different features and information easily.

Users can also customize their experience by selecting their investment preferences and personalizing their dashboard.

Stash Retire’s user interface is designed to be accessible for investors of all experience levels, with helpful tips and guidance provided throughout the app to help users make informed decisions about their retirement investments.

Overall, the app’s interface and ease of use make it a great choice for those who are new to investing or want a simple and straightforward way to plan for retirement.

Investment Options and Performance

Stash Retire offers a wide range of investment options to help users plan and invest for their retirement. The app provides access to more than 4,000 individual stocks and ETFs, as well as pre-built investment portfolios that are tailored to different goals and risk levels.

The investment portfolios are designed by Stash’s investment team, which takes into account factors such as risk tolerance, investment goals, and time horizon to create a diversified and balanced investment mix.

Stash Retire’s investment options have generally performed well, with many of its investment portfolios outperforming their respective benchmarks over time.

The app also provides users with detailed information about their investments, including historical performance, fees, and other important details, to help them make informed decisions about their retirement portfolio.

Stash Growth

Stash Growth is an investment portfolio option offered by Stash Retire that is designed for investors who are looking for long-term growth.

The portfolio is made up of a mix of stocks and ETFs (exchange-traded funds) that are selected by Stash’s investment team based on their potential for growth.

The Stash Growth portfolio is designed to be more aggressive than some of the other investment options offered by the app, which means it may have higher risk but also a higher potential for returns.

The portfolio includes investments in companies across different sectors and industries, including technology, healthcare, and consumer goods.

Users can choose to invest in the Stash Growth portfolio on its own or as part of a broader investment mix that includes other portfolios or individual stocks and ETFs.

Overall, Stash Growth is a solid option for investors who are comfortable with higher risk and are looking for long-term growth potential. Stock rewards are also offered in a smart portfolio for retirement accounts for asset allocation and mutual funds.

Stash Smart Portfolios

Stash Smart Portfolios are a range of pre-built investment portfolios offered by Stash, a mobile app-based investment platform.

The portfolios are designed to match different investment goals and risk tolerance levels and are managed by Stash’s investment team.

Stash Custodial accounts

Stash Custodial Accounts are a type of investment account that allows adults to invest on behalf of minors, such as their children or grandchildren.

The account is managed by the adult, who is known as the custodian, and the minor is the beneficiary of the account.

Stash Bank Account

Stash Bank Account is a checking account offered by Stash, a mobile app-based financial services platform.

The account is designed to help users manage their everyday finances, with features like direct deposit, bill pay, and a debit card for purchases.

Fees and Pricing

Stash Retire charges a flat fee for its services, which is competitive with other retirement investing apps.

The app charges a monthly subscription fee of $3 for accounts with balances below $5,000 and a flat annual fee of 0.25% of the account balance for accounts with balances of $5,000 or more.

The fee covers all of the app’s services, including account management, investment advice, and customer support. Stash Retire also charges fees on certain transactions, such as a $75 fee for full or partial account transfers out of Stash Retire.

However, the app does not charge fees for account setup, deposits, or withdrawals. You can save money by using a stash debit card.

The Stash app has managed a portfolio for users and provides promos for everyday purchases. Stash investing has no or fewer overdraft fees, so your minimum balance can still be used.

Customer Support and Service

Stash Retire offers a variety of customer support and service options to help users with their retirement account and investing needs.

The app provides in-app messaging support, which allows users to get help with their accounts or ask questions directly from the app.

Stash Retire also has a dedicated customer support team that can be reached by phone or email, with support available seven days a week. In addition, the app has a robust help center that provides answers to frequently asked questions, as well as a library of educational resources that can help users learn more about investing and retirement planning.

Stash Retire’s customer support and service options are generally well-reviewed, with users praising the app’s helpful and responsive support team.

Stash Investment Account

Stash offers a range of investment options, including individual stocks, ETFs, and pre-built portfolios that are designed to match different investment goals and risk tolerance levels.

Users can also set up automatic investments to make regular contributions to their accounts and can invest in fractional shares to help them diversify their portfolios even with small amounts of money.

Stash Bank Account

Stash Bank Account is a checking account offered by Stash, a mobile app-based financial services platform.

The account is designed to help users manage their everyday finances, with features like direct deposit, bill pay, and a debit card for purchases.

Stash Bank Account has no overdraft fees, no minimum balance requirement, and no monthly maintenance fees. The account also offers a rewards program that allows users to earn cash back on eligible purchases. The rewards can be used to invest in Stash’s investment platform or to pay bills.

In addition to the checking account, Stash also offers a range of other financial services, including investment accounts and retirement accounts.

Users can easily move money between their Stash accounts and manage their entire financial portfolio in one place.

Pros and Cons of Stash Retire

Here are some pros and cons of using Stash Retire:

Pros

  • User-friendly interface: Stash Retire is easy to navigate and use, even for investors who are new to the stock market.
  • Diverse investment options: The app offers a wide range of investment options, including pre-built portfolios and individual stocks and ETFs, allowing users to create a customized retirement portfolio.
  • Low fees: Stash Retire’s fees are transparent and reasonable, making it an affordable option for retirement investing.
  • Good performance: Stash Retire’s investment portfolios have generally performed well, with many outperforming their respective benchmarks over time.
  • Customer support: The app provides robust customer support options, including in-app messaging, phone and email support, and a helpful help center.

Cons

  • Limited investment options: Stash Retire’s investment options, while diverse, are limited compared to some other retirement investing platforms, which may not appeal to more experienced investors.
  • No tax-loss harvesting: Stash Retire does not currently offer tax-loss harvesting, which could result in higher taxes for investors.
  • Monthly fee for low balances: Stash Retire charges a monthly fee of $3 for accounts with balances below $5,000, which could be a disadvantage for users with smaller account balances.

User Stash Reviews and Ratings

Stash Retire generally has positive reviews and ratings from users. On the Apple App Store, the app has a rating of 4.7 out of 5 stars based on over 34,000 reviews.

Users praise the app for its easy-to-use interface, helpful customer support, and diverse investment options. Some users have also commented on the app’s educational resources, which can be helpful for those who are new to investing or retirement planning.

On the Google Play Store, Stash Retire has a rating of 4.3 out of 5 stars based on over 9,000 reviews. Users on this platform also praise the app’s ease of use and helpful customer support, as well as its competitive fees and good investment performance.

Comparison with Other Retirement Apps

Here’s a comparison of Stash Retire with Acorns, another popular retirement app:

Stash Retire

  1. Offers a wider range of investment options, including individual stocks and ETFs, as well as pre-built portfolios
  2. Allows users to set up automatic investments and offers fractional shares for greater flexibility
  3. Charges a monthly fee of $3 for accounts with balances below $5,000
  4. Provides in-app messaging support, phone support, and email support, as well as a helpful help center

Acorns

  1. Focuses on micro-investing, which means it invests small amounts of money regularly over time
  2. Offers pre-built portfolios but does not allow users to invest in individual stocks
  3. Offers a checking account with a debit card for easy spending and saving
  4. Charges a monthly fee of $1 to $5, depending on the plan selected
  5. Provides in-app messaging support and email support, as well as a helpful help center

In general, Stash Retire may be a better fit for users who want more control over their retirement investments and are willing to pay a slightly higher fee for access to individual stocks and ETFs.

Acorns, on the other hand, might be a better fit for users who prefer a more hands-off approach to investing and wanting to save and invest small amounts regularly over time.

Ultimately, the choice between these two apps will depend on each user’s individual needs and preferences.

Conclusion

Stash Retire is a solid option for those looking for an easy-to-use retirement investing app with diverse investment options and transparent fees. Its user-friendly interface and helpful customer support make it an attractive choice for new investors.

At the same time, its range of investment options and good performance can also appeal to more experienced investors. However, Stash Retire may not be the best choice for those looking for advanced features or tax optimization strategies.

The monthly fee for low balances may also be a disadvantage for users with smaller account balances.  Overall, it might be a good choice for users today!

That being said, if you’re interested in investing your retirement and you want trust then I suggest sticking with gold and other precious metals instead. Check out my top choice right here.

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About 

Edwin Cannon has spent his entire career in the financial industry and specializes in alternative investments and surviving marketing turbulence. He started My Retirement Paycheck to help educate consumers about retirement investment options that aren't typically introduced by advisors.