Stash App Review [Guide for 18-34 Year Old Investing Beginners]

How Much Does Stash Cost? 

When you sign up for Stash, you have 2 subscription plans to choose from: Stash Growth, Stash+. Here’s how much is each plan’s monthly fee, who the plan is best for, and its additional benefits. 

Monthly Fee      Ideal UserAdditional Benefits
Stash Growth$3People who want to expand their long-term wealth building planPersonal investment accountStock-Back® CardSaving toolsPersonalized financial adviceA Roth or Traditional retirement account$1,000 of life insurance coverage through Avibra1
Stash+$9Savvy wealth builders and debit card spendersPersonal investment accountStock-Back® CardSaving toolsPersonalized financial adviceA Roth or Traditional retirement accountExclusive monthly market insights report$10,000 of life insurance coverage through Avibra1

Pros and Cons of the Stash App 

Stash makes investing as a beginner easy. But that doesn’t necessarily mean it’s the right way for you to start investing. So, here’s a list of the pros and cons to help you decide whether you want to open a Stash investment account. 


Cheap introduction to investing. By buying fractional shares, you can create an investment portfolio on Stash with just 1 cent. Unlike most brokerage accounts, there’s also no minimum balance needed to start a Stash investment account. 

Automated investing. Within your investment account, you can set up how much money you want to automatically invest each month and which stocks and ETFs you want to invest in. Then, the money gets pulled right from your bank account (almost like an automatic bill payment) and you can let your investments build on auto-pilot. 

You can also have your purchases rounded up to the nearest dollar so that, once you reach $5, that money automatically gets invested. 

Beginner-friendly educational content. The Stash app has educational content that teaches you the basics of investing and shares investment advice so you can learn how to invest on your own.

Balanced investment portfolios. With a Stash Growth or Stash+ subscription, you can sign up for a Stash Smart Portfolio, which helps you manage some of the risks involved with investing by creating a balanced portfolio. 

Stock back rewards. When you shop using the Stock-Back® debit Card*, you get rewarded with money that automatically goes toward building your investment portfolio. 


High monthly fees for small investment accounts. If you only plan on investing a small amount of money per month, the fees for any of Stash’s membership plans are higher than you’d find from some other investment options. 

Note: This con can be avoided if you use your Stash debit card on regular expenses (e.g. gas, Netflix, groceries) to earn enough rewards to cancel out the low monthly fees. 

No personalized investment advice. If you want tailor made investment advice on topics like  how to build a strategic investment portfolio, you won’t get that from Stash. For that, you’d need to speak with a certified financial advisor or wealth management service. 

High expenses on ETFs. The exchange-traded funds on Stash have relatively high expense ratios when compared to some other investing platforms. That means you’ll pay more for operational expenses (e.g. administrative costs to manage the fund) than you might elsewhere.

Note: All ETFs charge shareholders an expense ratio.  This is true whether you choose to invest with Stash or, for example, with a brokerage account.

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