What's included in the Stash plan

Level up your investing with rewards and support.

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

Our view is simple: an 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.

What you get with the Stash plan

3% match on retirement contributions

Stash customers 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, eligible requests receive priority routing 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.

Stock-Back® Rewards value

With the Stock-Back® Card, Stash customers 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

The Stash plan 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.

Financial advice and market insights

The Stash plan includes guidance and market insight, 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

The Stash plan 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.

What’s included in the Stash plan

Who the Stash plan is best for

The Stash plan 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 guidance inside the app

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

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

Bottom line

The Stash plan brings together retirement matching, rewards, kids portfolios, priority servicing, and guidance that is easier to understand in one app.

You still have to do the important part: invest for the long term, diversify, and contribute consistently when you can. The Stash plan gives you 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.