Why Stash+?

By Stash Team

Last updated June 10, 2026

Level up your investing with extra rewards and support.

Stash+ is built for people who want more than a place to buy investments. It adds retirement matching, higher Stock-Back® Rewards, priority customer servicing, family investing tools, and extra protection through life insurance.

Our view is simple: a premium investing plan should earn its keep. Not with hype. Not with hot-stock tips. With benefits that help you invest consistently, build your portfolio, and stay focused on the long term.

Stash+ includes everything in the Starter plan, plus these additional features.

What you get with Stash+

3% match on retirement contributions

Stash+ members can receive a 3% match on net monthly retirement contributions to a Stash Roth IRA or Traditional IRA. The match is added on top of what you contribute, subject to the IRA Match Terms and Conditions.¹

Plain English: if you contribute $200 net to your Stash IRA in a month, a 3% match would be $6. If you contributed $200 net each month for a full year, that would be $2,400 in contributions and up to $72 in match value, assuming you meet the terms.

The IRS still sets the annual IRA contribution limits. For tax year 2026, the IRA contribution limit is $7,500 if you’re under 50, or $8,600 if you’re 50 or older, assuming you have at least that much taxable compensation. Roth IRA eligibility and Traditional IRA deductibility may also depend on your income and tax situation.

Priority customer servicing

When you contact Stash customer service by phone or email, Stash+ requests are prioritized ahead of non-Stash+ members in the servicing queue.

That does not mean every question is instant. But if you’ve ever had a time-sensitive account question, you know that faster routing can matter.

Greater Stock-Back® Rewards value

With the Stock-Back® Card, Stash+ members can earn up to 3% of qualifying purchases back in stock.¹

Here’s how that math works: if you spend $200 a month on qualifying purchases that earn 3%, you could receive up to $6 a month in stock rewards. Over 12 months, that would be up to $72 in Stock-Back® Rewards.

Rewards are not the reason to overspend. They are a way to turn eligible everyday purchases into small investing moments. That’s the Stash way: start where you are, invest consistently, and keep going.

Personal, Retirement, and Kids Portfolios

Stash+ gives you access to investing options for different parts of your financial life, including:

• A Self-Directed Investing Portfolio

• A Smart Portfolio

• A Retirement Portfolio, such as a Roth IRA or Traditional IRA

• Custodial Portfolios for children in your life

That matters because one account rarely fits every goal. Investing for retirement, building a taxable portfolio, and setting money aside for a child are different jobs. Stash+ brings those tools into one app so you can see more of your financial picture in one place.

Enhanced financial advice and market insights

Stash+ includes a higher level of guidance and market insight than the Starter plan, including content and tools designed for family finances and long-term investing decisions.

We believe investing advice should not be locked behind mahogany doors and giant minimums. Stash is designed to put guidance in your pocket, with plain-English education and tools that help you understand what you’re doing before you do it.

$10,000 life insurance offered by Avibra

Stash+ includes access to up to $10,000 in life insurance coverage through our partner, Avibra, subject to eligibility and terms.‡

Life insurance is not an investment. It is protection. For some families, even a modest amount of coverage can help with immediate expenses if the unexpected happens.

Is Stash+ worth it?

Stash+ may be worth considering if you expect to use the retirement match, Stock-Back® Rewards, priority servicing, and family investing features.

A simple way to think about it: compare the cost of the plan with the benefits you’ll actually use. If you are contributing to an IRA regularly, using the Stock-Back® Card for qualifying purchases, and investing for children, Stash+ may offer more value than a basic plan. If you only want the lowest-cost entry point to start investing, Starter may be enough.

The point is not to collect features. The point is to build a system you can stick with.

Stash+ vs. Starter

Starter is designed to help you begin investing with core tools and education. Stash+ is designed for people who want a more complete investing setup.

Who Stash+ is best for

Stash+ may be a fit if you:

• Contribute to a Roth IRA or Traditional IRA regularly

• Want to invest for a child through a custodial account

• Use the Stock-Back® Card for qualifying everyday purchases

• Want more guidance inside the app

• Prefer one place for personal investing, retirement investing, and family investing tools

Stash+ may not be the right fit if you are not ready to contribute regularly, do not plan to use the extra features, or only want the most basic investing plan.

Bottom line

Stash+ is for people who want a more complete investing plan in one app: retirement matching, rewards, kids portfolios, priority servicing, and guidance that is easier to understand.

You still have to do the important part: invest for the long term, diversify, and contribute consistently when you can. Stash+ gives you more tools to help you do that.

¹Terms and conditions apply. The Stash Stock-Back® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to license from Visa U.S.A. Inc. Stock-Back® Rewards are subject to terms and conditions. IRA Match is subject to the IRA Match Terms and Conditions.

‡Life insurance coverage is offered through Avibra and is subject to eligibility, terms, and limitations.

Investing involves risk, including the possible loss of principal. Diversification and consistent investing do not guarantee a profit or protect against loss. Stash Investments LLC is an SEC-registered investment adviser. Stash Capital LLC is a registered broker-dealer, member FINRA/SIPC.