Stash Investment and Budgeting Application Review

by contentwriter

Author: Nerdy Walsh

While investing can allow exponential financial growth, many see it as a highly complex procedure involving excessive risk. Fortunately, many investment platforms and applications reject this notion and instead allow simplified investment opportunities for all individuals, regardless of their knowledge or financial background.

Today, we will review Stash, a financial investment application supporting beginners and low-income earners.

What is Stash?

Stash is a personal finance application specializing in offering a simplified approach to investing. The application focuses on beginners and low-income earners, allowing users to invest as little as $5 a month. Although it was developed with simplicity in mind, Stash offers a range of impressive features:

  • Mission-Driven Investments
  • Automated Investing
  • Smart Portfolio
  • Self-Directed Investments for New Investors
  • Retirement and Custodial Accounts
  • Online Banking
  • Reliable Customer Service

Other Stash Features Include: 

  • DIY and Automated Investing

While users can freely decide on their involvement in the investment process, the “Auto-Stash” feature allows for automatic saving and investing. Users can select their monthly investment amount and, based on in-depth financial and technical analysis, the Auto-Stash tool carefully selects favorable investment opportunities. This feature allows users to automatically and continuously build their investment portfolios.

  • Bank Account 

Stash provides a digital bank account, which supports online banking and allows users to set financial goals and create separate saving accounts. Users need to deposit money into their Stash bank account to be eligible for the Stock-Back card (outlined below).

  • Stock-Back Card

The Stash Stock-Back Card offers a rewards system by enabling users to earn bonus shares in publicly traded companies.  For example, if you make a qualifying purchase at Amazon with your Stock-Back Card, you will automatically earn Amazon stocks. If the merchant is not a publicly-traded company, Stash will still reward you with shares in an ETF.


Automatic Rebalancing

When building an investment portfolio, users will generally opt for a level of diversification that provides their desired balance of risk and return. However, due to the volatility of stocks, market fluctuations may cause your portfolio to be out of balance. To counteract this, Stash offers a rebalancing tool that automatically regulates portfolio allocations to ensure the sustainability of your financial needs and goals.

Stash Plans and Pricing

Stash has three subscription plans with diverse investment opportunities:

i. Stash Beginner: This plan costs $1/month. It offers a personal investment account (DIY investing only), saving tools, financial advice (for beginners), and a Stock-Back Card.  

ii. Stash Growth: This is a $3/month plan. It offers advanced personalized financial advice, a retirement portfolio, auto-investing features, and everything included in the Stash Beginner Plan. 

iii. Stash+: This is a premium plan that costs $9/month. It offers advanced family financial advice, two custodial accounts, exclusive market insight reports, and everything included in the Stash Growth Plan. 

Is Stash a Good Finance Application for an Average American?

Stash is not the only platform supporting beginners and low-income earners in their investing journey. But, based on their features and user testimonials, we believe it is an attractive option for people seeking a simplified and practical approach to investment opportunities.


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