Automated Investing | Stash Smart Portfolio

^†Stash offers access to investment and banking accounts under each subscription plan. Each type of account is subject to different regulations and limitations. Stash Monthly Subscription Wrap Fee starts at $1/month. You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your investment account(s), plus fees for various ancillary services charged by Stash and the Custodian. Please see Advisory Agreement for details. Other fees apply to the bank account. Please see Deposit Account Agreement for details. Access to a Discretionary Managed Taxable Brokerage Account ("Smart Portfolio") is available in the Stash Growth and Stash+ plans.
^§Depending on the subscription plan, there may be additional steps a user must take to cancel their account which may impact the amount of time it takes to fully close an account. You may incur ancillary fees charged by Stash and/or its custodian that are not included in the monthly Wrap-Fee.
^‡ Group life insurance coverage provided through Avibra, Inc. Stash is a paid partner of Avibra. Only individuals ages 18-54 and who are residents of one of the 50 U.S. states or DC are eligible for group life insurance coverage, subject to availability. Individuals with certain pre-existing medical conditions may not be eligible for the full coverage above, but may instead receive less coverage. All insurance products are subject to state availability, issue limitations and contractual terms and conditions, any of which may change at any time and without notice. Please see Terms and Conditions for full details. Stash may receive compensation from business partners in connection with certain promotions in which Stash refers clients to such partners for the purchase of non-investment consumer products or services. This type of marketing partnership gives Stash an incentive to refer clients to business partners instead of to businesses that are not partners of Stash. This conflict of interest affects the ability of Stash to provide clients with unbiased, objective promotions concerning the products and services of its business partners. This could mean that the products and/or services of other businesses, that do not compensate Stash, may be more appropriate for a client than the products and/or services of Stash’s business partners. Clients are, however, not required to purchase the products and services Stash promotes.

^†Stash offers access to investment and banking accounts under each subscription plan. Each type of account is subject to different regulations and limitations. Stash Monthly Subscription Wrap Fee starts at $1/month. You’ll also bear the standardfees and expenses reflected in the pricing of the ETFs in your investment account(s), plus fees for various ancillary services charged by Stash and the Custodian. Please seeAdvisory Agreement for details. Other fees apply to the bank account. Please seeDeposit Account Agreement for details. Access to a Discretionary Managed Taxable Brokerage Account ("Smart Portfolio") is available in the Stash Growth and Stash+ plans.
^§Depending on the subscription plan, there may be additional steps a user must take to cancel their account which may impact the amount of time it takes to fully close an account. You may incur ancillary fees charged by Stash and/or its custodian that are not included in the monthly Wrap-Fee.
^‡ Group life insurance coverage provided through Avibra, Inc. Stash is a paid partner of Avibra. Only individuals ages 18-54 and who are residents of one of the 50 U.S. states or DC are eligible for group life insurance coverage, subject to availability. Individuals with certain pre-existing medical conditions may not be eligible for the full coverage above, but may instead receive less coverage. All insurance products are subject to state availability, issue limitations and contractual terms and conditions, any of which may change at any time and without notice. Please seeTerms and Conditions for full details. Stash may receive compensation from business partners in connection with certain promotions in which Stash refers clients to such partners for the purchase of non-investment consumer products or services. This type of marketing partnership gives Stash an incentive to refer clients to business partners instead of to businesses that are not partners of Stash. This conflict of interest affects the ability of Stash to provide clients with unbiased, objective promotions concerning the products and services of its business partners. This could mean that the products and/or services of other businesses, that do not compensate Stash, may be more appropriate for a client than the products and/or services of Stash’s business partners. Clients are, however, not required to purchase the products and services Stash promotes.

Crypto is relatively new and can be volatile. Investments are Delaware Statutory Trusts and offer indirect exposure to Crypto.

A "Smart Portfolio" is a Discretionary Managed account whereby Stash has full authority to manage. "Smart" is only available in Growth ($3) and/or premium ($9).

Clients may incur ancillary fees charged by Stash and/or its custodian that are not included in the monthly subscription fee.

This is not an endorsement or a statement of satisfaction by any Stash client.

Stash banking account opening is subject to identity verification by Green Dot Bank. In order for a user to be eligible for a Stash banking account, they must also have opened a taxable brokerage account on Stash. Bank Account Services provided by Green Dot Bank and Stash Visa Debit card (Stock-Back® Card) issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Investment products and services provided by Stash Investments LLC, not Green Dot Bank, and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.

Green Dot Bank operates under the following registered trade names: GoBank, Green Dot Bank and Bonneville Bank. All of the registered trade names are used by, and refer to a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Green Dot is a registered trademark of Green Dot Corporation. ©2022 Green Dot Bank. All rights reserved.

All rewards earned through use of the Stash Visa Debit card (Stock-Back® Card) will be fulfilled by Stash Investments LLC. You will bear the standard fees and expenses reflected in the pricing of the investments that you earn, plus fees for various ancillary services charged by Stash. Stash Stock-Back® is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any stock rewards earned by this program. Stock rewards that are paid to participating customers via the Stash Stock-Back program, are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. In order to earn stock in the program, the Stash Visa Debit card (Stock-Back® Card) must be used to make a qualifying purchase. What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P payment. If publicly-traded stock of the merchant (or a subsidiary thereof, if applicable) is not available or otherwise capable of being fulfilled for any reason, the stock reward arising from a qualifying transaction will be in an ETF or a publicly traded company available on the Stash Platform. Stash reserves the right to amend this program and the terms and conditions thereof and/or cancel this program at any time, for any reason, upon notice to you. See Terms and Conditions for more details. Double Stock-Back® rewards is subject to terms and conditions.
Fee-free ATM access applied to in-network ATMs only. For out-of-network ATMs and bank tellers a $2.50 fee will apply, plus any additional fee that the ATM owner or bank may charge. For overdraft, transaction is declined and no fee is charged. Neither Green Dot Bank nor Stash offers overdraft services. Other fees apply to the bank account. Please see the Deposit Account Agreement for details. If applicable, your Stash banking account is a funding account for purposes of the Advisory Agreement. Your Stash subscription fee may be deducted from your Stash banking account balance.
Early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period.
Stash does not monitor whether a customer is eligible for a particular type of IRA, or a tax deduction, or if a reduced contribution limit applies to a customer. These are based on a customer’s individual circumstances. You should consult with a tax advisor.
“Kids Portfolio” is a custodial UGMA / UTMA account. Money in a custodial account is the property of the minor. This type of account is a Non-Discretionary Managed account.
Availability of instant money transfers may be subject to limitations. Money can be moved via instant money transfer between your personal portfolio and your Stash banking account. Money moved into a partition must be moved back to the bank account available balance to be used and does not earn interest.
Spending Insights provided by Stash Investments LLC.
Not all stocks pay out dividends. And there's no guarantee any stock will pay dividends in a quarter or year. “Retirement Portfolio” is an IRA (Roth or Traditional). This is a Non-Discretionary Managed Account. Stash does not monitor whether a customer is eligible for a particular type of IRA, or a tax deduction, or if a reduced contribution limit applies to a customer. These are based on a customer’s individual circumstances. You should consult with a tax advisor.
When you Lock your card, withdrawals and purchases conducted using your card will not be authorized until you unlock your card. Some activity will continue, including your monthly fee, if applicable, debit transactions that were authorized before you Locked your card, transactions crediting funds to your account, ACH debit transactions conducted using your account and routing numbers, recurring bill payments, mobile check deposit, and cash deposits.
This is a Discretionary Managed Account whereby Stash has full authority to manage according to a specific investment mandate. Balance” is defined by investing deposits into underweight assets, and for withdrawals, trimming overweight positions. As you deposit or withdraw funds, your portfolio can slowly be aligned to the target allocation appropriate for your risk profile by additional money movements throughout the year. The investment team at Stash built these portfolios with the goal of optimizing risk-adjusted returns. This is achieved by utilizing the diversification benefits highlighted by modern portfolio theory. The portfolios aim to optimize returns given a user’s overall risk profile. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal. Stash does not guarantee any level of performance or that any client will avoid losses in the client’s account.
A “Personal Portfolio” is a taxable brokerage account. This is a Non-Discretionary Managed Account.
Stash through the “Diversification Analysis” feature does not rebalance portfolios or otherwise manage the Personal Portfolio Account for Clients on a discretionary basis. Each Client is solely responsible for implementing any such advice. This investment recommendation relies entirely on the responses you’ve provided regarding your risk tolerance. Portfolio recommendations through this tool are considered personalized investment advice. No asset allocation is a guarantee against loss of principal.
To be eligible to receive a Stock Reward through stock party, you must complete the account registration process and open an individual taxable brokerage account ("Personal Portfolio") that is in good standing. This program is subject to Terms and Conditions.
Stash may receive compensation from business partners for referring Stash clients to such partners for the purchase of non-investment consumer products or services. This conflict of interest affects the ability of Stash to provide clients with unbiased, objective promotions concerning the products and services of its business partners. This could mean that the products and/or services of businesses that do not compensate Stash may be more appropriate for a client than the products and/or services of Stash’s business partners. Clients are not required to purchase the products and services Stash promotes.
If you purchase this plan, you will receive Financial Counseling Advice which is impersonal investment advice in the form of guides and educational materials about investing and financial planning, along with the ability to view the investments through the platform. In order to obtain personalized investment advice, clients are required to complete the suitability questionnaire during registration, must be approved from an account verification perspective and open a brokerage account.
You may subsequently choose to open one or more investment advisory account(s). To begin investing on Stash, you must be approved from an account verification perspective and open a brokerage account.
This information should not be construed as Tax or Legal advice. Please consult a Tax professional for your questions.
This Program is subject to terms and conditions. In order to participate, a user must comply with all eligibility requirements and make a qualifying purchase with their Stock-Back® Card. All funds used for this Program will be taken from your Stash Banking account. This Program is not sponsored or endorsed by Green Dot Bank.

Stash does not offer an interest-bearing savings account.
Fractional shares start at $0.05 for investments that cost $1,000+ per share.
This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers. All investments are subject to risk and may lose value. All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.
All individuals featured on this website are paid actors or employees of Stash.
Stash Investments LLC ('Stash') is an SEC registered investment adviser. By using this website, you accept our Terms of Use and Privacy Policy. Stash’s investment advisory services are available only to residents of the United States in jurisdictions where Stash is registered. In order to open a Stash account, you must be at least 18 years of age. Nothing on this website should be considered an offer, solicitation of an offer, or advice to buy or sell securities. Any historical returns, expected returns or probability projections are hypothetical in nature and may not reflect actual future performance. Account holdings are for illustrative purposes only and are not investment recommendations. The content on this website does not constitute a complete description of Stash’s investment advisory services. View a full list of available investments on Stash. Stash does not provide financial planning services to individual investors. Before investing, consider your investment objectives and Stash’s fees and applicable custodial fees. Stash Financial, Inc. is a digital financial services company offering financial products for U.S. based consumers. Stash is not a bank or depository institution licensed in any jurisdiction. Advisory products and services are offered through Stash Investments LLC. Stash Capital LLC, an SEC registered broker-dealer and member FINRA/SIPC, serves as introducing broker for Stash Clients’ advisory accounts. FINRA BrokerCheck reports for Apex Clearing are available at https://brokercheck.finra.org/. Apex Clearing Corporation, a third-party SEC registered broker-dealer and member FINRA/SIPC, provides clearing and execution services and serves as qualified custodian for advisory assets of Stash Clients. Products offered by Stash Investments LLC and Stash Capital LLC are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. Market data by Thomson Reuters (Refinitiv). For more information, see our disclosures. All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.
Stash supports an accessible internet. If you have any questions about our features, please contact us at accessibility@stash.com.
Email: support@stash.com Tel: (800) 205-5164
Information provided by Stash Support is for informational and general educational purposes only and is not investment or financial advice.
Google Play and the Google Play logo are trademarks of Google, Inc.
Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S.
STASH, StashInvest, and Stock-Back are registered trademarks of Stash Financial, Inc.

Automated investing, simplified.

Let us invest for you with Smart Portfolio. Start with $5.

Investing but make it personal.

Smart mix.

Smart rebalancing.

Smart automation.

Unlock your financial future.

Smart advisors.

Smart transactions.

Invest in crypto, the Smart way.

Build wealth effortlessly.

Frequently asked questions

What is automated investing?

What is a robo-advisor?

Who should invest in a Smart Portfolio?

How does automated investing work?

How do I set up an automated investment?

How much money do I need to start investing in a Smart Portfolio?