Stash Learn

Taxes & Retirement

Dec 4, 2023

Your Stash and Taxes: The (Super) Basics

By Team Stash
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If you will receive Stash tax forms, they should be available by February 15, 2024 in the Stash app or on the web.

Before we begin, please note that nothing written in this article should be construed as investment, legal, or tax advice. Please address specific questions on taxes to a tax professional.

Now onto the (super) basics:

Taxes can be tricky. Between capital gains, dividends, interest, distributions, contribution limits, and multiple 1099 forms, your head can start to feel like it’s spinning.

Here’s a little info we thought might help when navigating what you may need to know, particularly if you’re investing for the first time.

Before we show you how to find your tax documents, let’s figure out if you have them.

You should have tax documents from Stash if:

  • You received dividend payments greater than $10 from your Stash Invest investments in 2023.1 
  • You received more than $10 in interest on your Stash Invest account.
  • You made a withdrawal from your Stash Retire IRA of $10 or more
  • You sold an investment in your Stash Invest account in 2023.
  • You received dividends on any stock or ETF owned, or any stock or ETF sold.
  • You need to report certain income received by Puerto Rico taxpayers and Puerto Rico tax withholding.
  • You may also generate a form 5498 on May 31 if you made a contribution to your retirement account during 2023.

You likely won’t have tax documents if:

  • You received less than $10 of interest, and/or did not sell any investments before the end of 2023.
  • You have a retirement account with Stash and haven’t made any withdrawals.

What if I lost money?

Essentially, if you sold an investment, you should have a tax form, even if you sold an investment at a loss. Learn more about how you can use capital losses to offset gains here

By February 15, 2024, you can check in the Stash app to see if your Form 1099-DIV and/or Form 1099-B are there. For a full list of possible forms and the dates you can expect to find them in your app, check this out: The 2024 Tax Season Dates You Need to Know.

Wondering what a dividend is? Check out Dividends: A New Investor’s Guide, What You Need to Know

Where do I find my Tax Forms?

To keep your information safe, our policy is not to email tax forms. Stash provides all tax forms securely online. You can access them through the Stash app by clicking here or on the web by clicking here. And it is super easy. Here’s how:

To find them in the app:

  1. On your Home Screen, click on your initials (iOS) or hamburger icon (Android) in the upper left-hand corner.
  2. In Settings, scroll down to the Documents section and click Portfolio.
  3. Navigate by account type.
  4. Select Tax Documents.

To find them on the web:

  1. Click on your name in the top right corner of the screen.
  2. Select Statements & Tax Documents from the left-hand menu.
  3. Navigate by account type, then click Tax Documents.

You’ll find your tax forms separated out by account. Now you’ve got the documentation you need to declare any income or loss you may have realized in your Stash accounts from the previous tax year.

Forgot your password? No problem. You can reset your password by selecting the ‘forgot password’ option below the sign-in page.

Now is also a good time to make sure that all of your contact information is up to date in your Stash account, including your address, email, and phone number. This ensures all of your forms also have the correct details.

Voila! Your tax season for Stash is ready.

For more on deadlines and tax forms related to Stash Invest and Stash Retire, make sure to check out The 2024 Tax Season Dates You Need to Know.

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Written by

Team Stash

Promotion not sponsored or endorsed by Stash, or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any funds earned through this promotion.

1 Remember, not all stocks pay out dividends. And there’s no guarantee any stock will pay dividends in a quarter or year.

This should not be construed as tax advice. Please consult a tax professional for additional questions.


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