M1 Finance

Stash Invest Fees and Rates


2018 Stash Invest fees, commissions, IRA rates, hidden charges, broker investment management cost, and minimums. Stash Invest ACAT/account transfer fee.



Stash Invest Fees and Account Charges


Stash's fees are very straightforward: if the balance of an account is under $5,000, it's $1 a month ($2 a month for IRA's). For balances over $5,000 a 0.25% fee is charged per year. The first month is free. If the account balance is zero, there is not a monthly subscription fee–which is a great way for users to get a chance to poke around the app and see what's available before jumping into that (potentially only $5) investment. These rates, however, are higher than at the leader in the investing market, M1 Finance (review) which is FREE.

If a user wishes to receive paper trade confirmations at Stash Invest, it's $2 a pop, and $5 each for paper statements. Rather ironic that a brand that prides itself on servicing millennials would offer such a thing, but kudos to them for making this an add-on option rather the the default setting often used to squeeze a few more dollars out of users.

A “potential” calculator is available to “see how depositing money each month and changes in market performance can impact the long term value of your account.” This includes a sliding bar for each potential monthly deposit and growth potential which will move the total account value bar for a year, five years, and ten years. (Investing is a game!) It will quickly show that $200 invested monthly at a growth potential of 1% will lead to an account balance of $2,906.12 after a year, $12,815.10 after five years, and $25,771.67 after ten years. As a relatively new service to a user base that is most likely inexperienced in investing, the ten year bar seems a little sensational. A better scale would have been one year, three years, five years, but seeing that after-ten-years account balance is much sexier.


Other Stash Invest Fees


Transferring Funds:

Bank Transfer (ACH) Incoming - Free
Bank Transfer (ACH) Outgoing- Free
Returned ACH (insufficient funds) & Recall/Stop Payments - $30 each

Account Maintenance Fees:

Electronic Statement & Trade Confirms - Free
Paper Confirms - $2
Paper Statements - $5

Statements and confirms are defaulted to electronic delivery. You can request paper confirms and statements if you choose.

Paper confirm and statement fees will also occur if there is a typo in your email address that causes these documents to be bounced back as undeliverable. Please update your email address in the app or contact support@stashinvest.com.

Stash does not charge monthly subscription fees if your account balance is $0. There are no early, standard, or other withdrawal fees at Stash Invest. It is always free to move money in and out of your account.


Stash Invest vs Top Brokers


Compare Stash vs Ameritrade, Etrade, Fidelity, and Charles Schwab »


Stash Invest Pros


Ease of use.​ With all of the sliding bars and calculators and layman’s terms–it really does make investing less daunting for the inexperienced.

Set it and forget it. Whether it is investing a larger sum all at once (such as a tax return) or small amounts repeatedly (insert ‘swap-a-cup-of-designer-coffee-a-day’ cliche here) users are able to adjust how much money is invested and how often it is invested.

A beautiful interface. ​ The blue hues are less of a nod to political affiliation (non-partisan-ness as evidenced by the presence of both a ‘Clean & Green’ and ‘Raw Earth’ ETF) and based–one would assume– on the physiological calming effect of the color.

Range of investments. ​ Users are able to choose between both ‘I Believe’ and ‘I Want’ to build a personalized portfolio. “I Believe” includes ETFs such as “Date Defenders” (cybersecurity firms), “Defending America” (aerospace and defense companies) and “Small but Mighty” (newer companies with great growth potential). “I Want” focuses on level of risk (Conservative, Moderate, and Aggressive mixes) and actual assets: “All That Glitters” (precious metals) “Park my Cash” (short-term, low-risk bonds) and “Uncle Sam” (U.S. Treasury Bonds.)

Document preparation. ​ At the end of each month a report is available to show users a detailed summary of the transactions on their account. Both pie charts and lines of numbers are available to give users the easiest possible at-a-glance summary of just how much cash they are stashing. Tax documents are also available each February because, oh yeah, even after all of the fun and games, users still have to pay taxes on all realized capital gains, dividends, and income interest.

Ease of transferring funds. ​ For recurring investments, Stash is linked up to a bank account and the funds are automatically deposited into Stash at the selected interval. Users may withdraw money at anytime, either by withdrawing the cash balance on the account or by selling investments. (Per U.S. Laws, sales take three business days to settle before the funds can be withdrawn.)

Building habits. ​ Stash is a great way to get into the habit of saving. With the recurring payment options it makes saving a little (or a lot) each week (or month) effortless.


Stash Invest Review


Read a complete Review of Stash Invest »


Stash Invest Cons


Funds lost.​ ​As with any investment tool, there is always the opportunity to lose money – Stash is no different.

Not totally customizable. ​ This is not the greatest tool for users who are looking to purchase specific stocks, as the they must choose from a fund rather than individual stocks.

Not the target audience. Stash is specifically geared toward those who 'want to adult'. If a user is not sure what that means, or is confident that they are already adulting, this will feel a bit juvenile ​


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Stash Invest Comparisons


Beyond being a great place to start with investments, Stash is a great option for those who are working towards saving for a specific goal. It blows other stale savings-based apps (like Digit) out of the water with the growth potential. Using the recurring option and depositing $10 or $20 per paycheck into an aggressive mix of investments will result in some added cash and reaching a specific goal sooner.


Stash Invest Fees Disclaimer


Stash fees, commissions, IRA rates, hidden fees, broker trading/investing/management costs are accurate as of 2018 and are subject to change. For the most recent information on Stash Invest account charges go to their website.