M1 Finance

Stash Promotion Code for 2021


$500 in free stocks Stash Invest promotion code. Account transfer bonus offer. New Stash IRA/investment account opening incentive for 2021.



Stash Promotion



Open Stash Account

Stash Promo Code


Open Stash Account

Stash Promo Code


Stash vs Acorns Overview


Young investors who need some extra guidance managing their finances may want to check out Acorns and Stash Invest. Both brokerage firms offer hands-off investing with round-up services and other forms of automated money management. But which broker should they choose? This article has an answer.


Acorns and Stash Promotions


Acorns Promo Code: Get $10 when you open an Acorns account with this referral link.

Stash Promo Code: Get $20 free stock when you open a new account.



1st Category: Available Securities


Before choosing a broker, you definitely want to know what you can invest in at that firm. Acorns offers ETFs only. Moreover, the broker only provides access to 12 ETFs. That’s not a typo. Just 12. Believe it or not, that’s actually an increase from the original 6 the broker first offered.

At Stash, investors have access to stocks and ETFs. Moreover, Stash provides more ETFs than Acorns offers. During our investigation, we counted over 80 funds. There are many more stocks than this, but the entire U.S. market isn’t quite available.

Winner: Stash


2nd Category: Style of Investing


Different brokerage firms have different approaches to investing. This fact really plays out when comparing Acorns to Stash.

Acorns specializes in robo investing. This means investment accounts are digitally monitored and created with Modern Portfolio Theory. Using MPT, the broker’s software program will try to achieve and maintain diversification across asset classes (in this case, bond and stock funds).


Acorns vs Stash Invest


There is a monthly fee of $1, $3, or $5 for every Acorns brokerage account. Checking accounts and retirement accounts are also available. The $1 brokerage account doesn’t have these add-on accounts.

Here’s a unique service at Acorns: debit and credit card transactions provide round-up deposits into brokerage accounts. There is no additional charge for this service, and the cheapest account option ($1 per month) is eligible.

Stash is a little different than Acorns. Stash doesn’t offer any type of robo-advisory service (or traditional account management, either). Every account is self-directed. As with Acorns, there is an account fee. It ranges from $1 to $9.


Stash invest pricing plans


Like Acorns, Stash has a round-up service that converts spare change into automatic brokerage deposits. There is a $5 minimum transfer amount, however.

One feature that Stash has that Acorns doesn’t is Stock-Back®. With this program, you can earn fractional shares of a company by shopping there with your Stash debit card.

Winner: Too close to call


3rd Category: Technology


Acorns and Stash both offer websites and mobile apps for investment management.

Although Stash has self-directed accounts, we didn’t find much in terms of trading power. The broker doesn’t have a desktop platform or browser-based trading system; but it does have a website with a simple order ticket. It’s possible to establish periodic purchases as well.


Stash vs Acorns


The Stash mobile app is modeled after its website cousin. We found simple tiles and a platform that was easy to navigate.

Acorns customers have zero trading tools because there are no self-directed accounts. But there are a lot of account management features. For example, it’s possible to connect cards and bank accounts to an Acorns account.


Acorns or Stash


The Acorns mobile app is able to hook up with Siri and deliver audio answers about an Acorns account.

Winner: Even


4th Category: Education & Research


On both Acorns’ website and mobile app, there are many learning materials. Just look for the Grow menu. Here’s a sample of articles and videos:

- This mom earned $126,000 in a year teaching people to make caramel apples
- How I turned my side hustle into a business that’s brought in $20 million
- Former NFL player explains how he learned about compound interest

Because Stash has actual trading, the broker’s learning materials are more geared toward trading and investing. Acorns’ materials are closer to general finance. Here’s a sample of Stash’s articles:

- Pros and Cons of High-Dividend Stocks
- What is Securities Lending?
- How Often Are Dividends Paid to Shareholders?

Because Stash’s resources cover actual trading issues, we think beginners would be better served by its materials.

Both brokerage firms in this survey maintain lengthy lists of FAQs that are divided into categories. These are excellent starting points for new customers.

Winner: Stash


5th Category: Banking Tools


Now we come to cash management, and both broker-dealers do a good job of backing their customers here, albeit not for free.

Acorns clients can connect other financial institutions’ debit and credit cards and use them to earn round-up deposits. On top of this service, Acorns has its own debit card (courtesy of Lincoln Savings Bank) that comes with unlimited reimbursements of ATM fees plus the round-up service. There is a $3 monthly charge.

For $1 per month, Stash customers get a plastic debit card courtesy of Green Dot Bank. The card comes with free ATM transactions at Allpoint machines (there’s about 19,000 across the country). Clients who sign up for Stash Plus (at $9 per month) get a metal card that earns twice as many shares per transaction in the Stock-Back program.

Winner: Draw


6th Category: Other Services


Dividend Reinvestment Program: Both brokerage firms offer DRIP services that convert cash distributions into additional shares of securities.

IRAs: At Acorns, investors can open Roth, Traditional, and SEP accounts. Stash has the Roth and Traditional, but not the SEP.

Fractional-Share Trading: It’s possible to make investments with whole dollars (as little as $5 in Acorns’ case) at either firm. And this type of investing results in the trading of fractional shares (0.0003 shares of a stock instead of 1 share, for example).

Winner: Acorns


Now, Our Recommendations


Beginners: Both brokerage houses were founded with new traders in mind. Neither firm has spectacular customer support, but they do have decent learning materials. Toss up.

Retirement Savers and Long-Term Investors: Acorns has more IRA’s, but Stash has more stocks and funds. Toss up.

ETF and Stock Trading: Stash definitely.

Small Accounts: Stash is slightly better here because Acorns has a $5 minimum investment amount.


Acorns and Stash Promotions


Acorns Promo Code: Get $10 when you open an Acorns account with this referral link.

Stash Promo Code: Get $20 free stock when you open a new account.



Stash vs Acorns - Outcome


Stash is the winner of this contest by a small margin. Nevertheless, investors who don’t want the burden of making trading decisions should use Acorns’ robo service.


Stash Promo Code Details


Stash Invest promotion applies to direct account transfers initiated in the first 60 days since M1 user sign-up date from participating brokerages. Payments for eligible transfers will be paid 90 days after the account transfer is received. This offer is valid for direct broker transfers received through the Automated Customer Account Transfer Service (ACATS) only. This Stash Invest promo code is not valid with ACH deposits, wire transfers or direct 401k rollovers.


Stash Promo Code Disclaimer


Current Stash Invest promo code can change without notice at any time. Carefully read information on the broker's own website before opening an account with Stash Invest incentive.