What is Stash About?

What is Stash About? – Stash Invest Review

Stash platform can teach you how you can save more money and spend smarter. More than that, they say that you can achieve financial freedom with them. Did you get intrigued and want to know more What is Stash About? 

Could it actually help anyone out there reach financial goals? 

In this Stash Review, I’ll go through the entire platform to see if it really can help regular people like you and me achieve financial freedom.

Stash OverviewWhat is Stash About? - The Logo

Full Name: Stash Financial, Inc.

Type: Investment Platform

Website: https://www.stashinvest.com/

Founder (s): Ed Robinson & Brandon Krieg

Price to Join: $1-$9/Month

Recommended? No

I have found a few significant drawbacks in the Stash platform and I find it not the best place to invest money. I will explain them in detail further in this post.

If you would like to know what I do recommend instead, you may wish to click the red button below:


What is Stash?

Founded in 2015 and based in New York, USA, Stash is an American company offering financial services and technologies.

Being registered with U.S. Securities and Exchange Commission, Stash is an investment adviser.

As of the time of this writing, Stash has 4.5 million users and more than 250 employees. 

It operates through both the website platform and mobile app (available on both iOS and Android devices), giving people the possibility to learn about investments and start investing in small amounts with the purpose of making passive income.


What is Stash About? - The Company's Vision


So, they help automate your investing.

They do what is called micro-investing, which means you can invest as little as $5 and what is called a fractional share.

This basically means you can buy a percentage of stock without needing to buy a full thing. 

Although this feature is not unique to Stash, plenty of other companies do this too, but it’s always less intimidating to buy with a smaller amount just if that’s what you have available to you. 


Who are The Founders?

What is Stash About? - The FoundersAccording to Stash’s official website, Stash was founded by Ed Robinson and Brandon Krieg, who previously had been working on Wall Street for a combined 30+ years.

During their career, the two guys were always asked by their co-workers about where to invest some extra money.

That was the time when Ed and Brandon literally went out on New York streets and started polling people, asking some questions like “Do you invest?”, “If no, then why?”

As a result, they have figured out the key problems: people were not investing money because they were finding it too confusing, and also, because they were thinking that they have to be rich in order to be able to become investors.

This is how Brandon and Ed left their 6-figure jobs at Wall Street to start Stash company that aimed to make investment easy and accessible to everyone.

How Stash Works?

Stash platform offers the following account types:

  • Banking – You get online banking with flexible money management, early payday, and a debit card that allows you to earn stock rewards on purchases you make. 


  • Investment – With Stash, you don’t need to start your investment journey buying full shares of investments which can get very pricey, fast. When you open an investment account at Stash, you get the chance to buy smaller, fractional shares of investments, a piece of any stock or fund.What is Stash About? - Fractional Shares 
  • Retirement – A retirement account gives you all the benefits of a regular investment account, with some additional perks with regard to your tax savings. For example, with Roth IRA account, you can earn money for retirement and pay the government absolutely nothing! How is that sound to you? Let me know in the comments!


  • Custodial – With a custodial account, you can invest on behalf of your kids (up to 2), thus taking care of their financial future. 

These you could get within their Pricing Plans, as follows:


What is Stash About? - Pricing Plans


When you open your account with Stash, the app is going to take you through a number of questions to determine your goals and risk tolerance. 

Then, it serves up a list of suggested ETFs (Exchange-Traded Funds), narrowing the options to those that make sense for your financial situation.

There are about 200+ EFTs on the Stash platform, I will not list them here, and if you want to check them out, you may wish to watch this video below:



Stash is also offering Stock Back, which is a feature that allows you to earn stocks as a reward anytime you use your debit card for purchases within certain companies.

According to their Terms and Conditions:

“Upon a qualifying debit card purchase, you will earn a fractional share of stock.

Stock reward amounts will be a dollar amount equal to 0.125% of the aggregate amount of the qualifying purchase, or, if greater, a fixed dollar amount of $0.01 per qualifying purchase.“

So what this actually means?

If you spend $100 buying stuff on Amazon, you’re getting back a whopping 12.5 CENTS in stock. Just 12.5 CENTS!

This will sound ridiculous if I’ll tell you that with a simple cash card like the Citi Double Cash Card, you get 2%.


What is Stash About? - Citi Double Credit Card


So when you spend that same $100 on Amazon, you’ll get $2 back! That’s $1.87 cents MORE for the same purchase than with Stash. 

The Good And The Bad


#1. Educational Content and Support

When you open your account with Stash (no matter it is Beginner or Smash+), you get free access to their database of materials on financial and investment matters.

That is pretty cool since unfortunately, we are not taught at school how to save and invest money.

But if after reading this article, you’ll decide that Stash doesn’t worth having you as a subscriber, don’t worry about this part since there is a ton of free information about investments over the internet, including our beloved Youtube. 

#2. Low to Start

Did you know that you actually don’t need to be Warren Buffett in order to start investing money?

With Stash, it becomes possible! It takes only $5 to open a Stash account, and you can grow from there. 

#3. Automated Features

Like recurring transfer, recurring bills, and even the micro-investments. Financial technologies like Stash simply take the complexity out of your investing process. 


#1. Expensive to Use

If you do a little bit of research on other investment platforms, you’ll see that they are offering way, way fewer management costs than Stash does.

For example, when you invest up to $5 000 with Stash, you are going to pay a $1 per month fee. That’s a total of $12 per year, just as a fee for investing. 

Next, if you invest more than $5 000, their management fee lowers from $1 to 0.25% per month.

While these numbers might not seem very high, why would I pay them at all when there are other companies that allow me to do the same thing for a lower price?

Just to compare, Vanguard charges 0.04%, Fidelity charges 0%, and Acorns charges $1 per month up to $1 million invested. 

#2. Not BBB Accredited + Numerous Complaints

Stash has been in business for 5 years now, and it still didn’t get a Better Business Bureau (BBB) accreditation. 

Although this is not mandatory, it adds more trust to the business and helps establish an maintain a positive track in the marketplace.

By the way, speaking of Stash record on BBB, people who are real customers have left 202 complaints. Take a look at some of the screenshots I have taken:


What is Stash About? - BBB Complaint


And another one here:


What is Stash About? - BBB Complaint 2


Now I guess this is even worse than cons #1. In fact, for me, these complaints cross out even all the pros and positive things in the Stash platform. 

#3. Not for Experienced Investors

According to their official website www.stashinvest.com, 86% of Stashers are first-time investors.

If you are an experienced investor though, then most probably you will not find the Stash platform useful.

Who Is Stash For?

If you are living outside of the USA like me, then, sorry, you can’t have an account with Stash.

Stash is for people living in the United States (having citizenship, Green Card, or certain visas).

Besides that, Stash will also require you to have a bank account opened at any of the American banks, and a social security number.

Also, one of the standard requirements is that you must be at least 18 years old in order to be able to open a Stash account.

Stash is for people looking to learn about how to invest and eventually start investing small amounts.

If you are the type of person who always runs out of money before month ends, then Stash might help you save your spare changes. 

My Final Opinion About Stash + A Better Alternative

If you are thinking about how to invest money, and want to learn everything that relates to the investment process, then this alone is a good thing because it means you are moving in the right direction towards your financial independence. 

At the same time, I can’t find Smash the best investment platform to go with based on all the cons I have found. 

There are plenty of other cheaper alternatives that are giving you exact same things for the most part, for a fraction of the price. 

With the fees Stash charges, your money can get eaten up pretty quickly.

That is why if you are thinking to join Stash to make passive income and achieve financial freedom, it’s unlikely the best place to invest. 

Another point I want to make here is to bring in the picture Warren Buffett once again and his famous quote:


What is Stash About? - Warren Buffett Quote


Wonderful thoughts, how do you think?

I see a lot of people every day (especially on social media accounts) who are saying that they want to start making money online, from the comfort of their own homes, and without having a boss and an alarm clock set up to wake them up every morning to go to work.

And there are always some questions that come to my mind which I always want to ask these people:

Alright, you want to make money online, and what can you do online, what skills do you have in order to be able to make that money online?

Because in essence, making money online and offline is no different, online money is not coming from God knows where. 

Most often times (and that is really sad), I see people are looking to make money online by watching ads or playing video games, or for simply downloading apps.

This maybe shouldn’t upset me as these methods are not the worst in the world, still, they don’t pay much while most people think they can make them a ton of money.

That is why, if you truly want to make a decent income online, I recommend you start learning certain skills that will allow you to earn a decent amount of money online.

The skills I am talking about are related to Internet Marketing since relatively new professions like copywriter, social media manager, SEO expert, etc., are the ones most sought after in this informational technology day and age we all live in.

At the same time, if you are looking to build your own online business, these skills will definitely help you do that. 

You can learn all these skills (and a lot more!) where I first learned about affiliate marketing, by clicking the button below: 



I hope you have enjoyed reading this article and now, you know a little bit more What is Stash About.

If you have any questions about Stash or anything else, please leave them in the comments section below and I will get back to you as soon as I can.

As always, I’ll leave you by saying Stay safe and well during these tough times!

Best Wishes,




Stash Invest






Overall Quality



  • Educational Content and Support
  • Low to Start
  • Automated Features


  • Expensive to Use
  • Not BBB Accredited + Numerous Complaints
  • Not for Experienced Investors

2 thoughts on “What is Stash About? – Stash Invest Review”

  1. Hi Nathalie,

    Of course, there is a lot of misleading financial freedom claiming information out there on the net.

    So, reviews such as this could always fill in the gap of many people looking for ways to grow their cash.

    So, definitely, a platform such as Stash is not worth somebody’s time. Thank you for sharing.


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