Retirement Accounts | Stash
Retirement investing doesn't have to be complicated.
Whether you want experts to handle it or prefer to invest on your own, Stash makes it simple to start.
Plus, earn a 3% match on every contribution.14
Every contribution earns a 3% match. That's extra money toward your future, every time you contribute.14
Choose how you invest for retirement.
Some people want help. Others want full control. Stash gives you both options.
Let us build a portfolio for you
A hands-off portfolio built around your planned retirement age. We choose the investments, manage them over time, and adjust your strategy as retirement gets closer—so you don't have to think about it.15
- Personalized to your retirement timeline
- Adjusts automatically as you age
- Rebalancing included †
Build your own portfolio
Choose from thousands of stocks and ETFs to build a retirement portfolio that reflects your strategy. You're in control of every decision.8
- Pick from 1,000s of stocks and ETFs
- Full control over every investment decision
- Buy and sell on your own schedule
Here's how we make it easier:
Automation that keeps you moving.
Set up recurring contributions so money gets added into your retirement account automatically.
Clear visibility into your progress.
Track your retirement account and see how your contributions can add up over time.
Guidance every step of the way.
Whether you choose a managed portfolio or build your own, Money Coach helps you know what to do next as you keep investing for retirement.
We'll help you pick the right retirement account.
Traditional and Roth IRAs are taxed differently. We offer both and help you figure out which one fits your situation.4
STASHERS HAVE INVESTED OVER
$810 million for retirement
*Based on total ...
Financial advice for a fraction of the price
Get the digital financial advisor that helps you invest with confidence. No minimums. No hidden fees. No nonsense.
The Stash Plan
$
12
/month
or $108 billed annually (save 25%)
- 24/7 financial guidance
- Personalized investment plan
- 3% retirement match (worth up to $225/year)¹⁴
- $10,000 life insurance policy‡
- Stock-Back® rewards¹ (worth up to $120/year)
Get started Try for 7 days
Frequently asked questions
What retirement account types does Stash offer?
Stash offers two ways to invest for retirement: a Managed Retirement Portfolio where our experts handle everything, and a Self-Directed Retirement Portfolio where you pick your own investments. Both are available as a Traditional or Roth IRA.
Traditional vs. Roth IRAs
A Roth IRA is funded with post-tax dollars—so after age 59 ½, withdrawals of the money you put in (contributions) are penalty and tax free. Prior to age 59 ½, withdrawals from the interest and/or earnings are subject to income tax and a 10% penalty. All earnings are tax free at age 59½ or older, assuming your first contribution was more than 5 years prior. A Traditional IRA is funded with pre-tax dollars, which can lower your annual tax burden now. However, withdrawals made after age 59 ½ are subject to income tax (but no penalty fee). Withdrawals made prior to age 59 ½ are generally subject to income tax and a 10% penalty.
Should I pick a Roth or Traditional IRA?
The type of retirement account you should pick can depend on factors like your current income, your current retirement savings plan, and your projected income in the future. We’ve put together a guide that can help you decide which account type is right for you.
Compare Roth vs. Traditional IRAs→
For additional information on IRAs and contribution limits, you can visit the official IRS website.
What's the difference between Managed and Self-Directed?
With Managed, our team picks the investments and adjusts them over time based on your retirement timeline. You don't make investment decisions. With Self-Directed, you choose from thousands of stocks and ETFs. You decide what to buy, sell, and when. Both include the 3% match on eligible contributions.14
Can you open a Stash IRA for a child?
Stash does not currently support IRAs for anyone under the age of 18. If you’re interested in investing on behalf of a child, consider a Stash custodial account—it’s an easy way to pass on generational wealth.
Why is saving for retirement important?
Savvy investors know that saving for retirement can be a great way to build wealth, now and in the future. There are many reasons to start saving for retirement as soon as possible.
Build your future.
Your retirement can look a lot different than your parents’ retirement. If you plan to stop working at some point in the future, consider these factors.
- People are living longer
- Only 10% of us will have pensions
- We’ll probably receive less in Social Security funds than previous generations
- Future healthcare is a big (and potentially very expensive) unknown
Compounding.
Your savings in an IRA can benefit from compounding, which is a powerful way for your money to grow over time. When you invest and earn interest, that interest is added to your principal amount—then, you can start earning interest on the interest. To take full advantage of compounding, consider saving for retirement as early as possible.
Potential tax benefits.
Both Traditional and Roth IRAs can come with potential tax benefits. Traditional IRAs are funded with pre-tax dollars, which can lower your annual tax bill now. * On the other hand, a Roth IRA is funded with post-tax dollars—so your investment earnings can grow tax-free. **
*Withdrawing prior to age 59½, generally means you’re subject to income tax and a 10% penalty. Withdrawals after age 59½ are only subject to income tax but no penalty. Restrictions may apply depending on your income or filing status.
**Withdrawals of the money (Contributions) you put in are penalty and tax free. Prior to age 59½, withdrawals of interest and earnings are subject to income tax and a 10% penalty. All earnings are tax free at age 59 ½ or older, assuming your first contribution was more than 5 years prior. Income Eligibility applies.
What is Stash?
Stash is a personal finance app that can help anyone improve their financial life.
From budgeting to saving for retirement, Stash features banking, investing, and advice all in one app. We’ve helped millions of Americans reach their financial goals–all for one low monthly price.