Stash

The digital treasure chest

Stash was born in 2015, in New York. The idea was born out of the need to provide people with an accessible way to the financial world, allowing them to invest small amounts of money in a diversified portfolio.

Stash was conceived with the purpose of simplifying investing, making it accessible and understandable for everyone. Since its inception, the platform has evolved, adapting to the changing needs of users and expanding its functionality.

The magic of investing

The way Stash works seems magical, but it is simple and intuitive. Users start off by creating a profile, and then they have to link their bank account and set a monthly amount they want to invest.

The app allows them to select from a wide variety of investment funds that can be based on personal interests and risk profiles. Through its friendly interface, Stash guides users through every step, from choosing funds to monitoring their performance afterward.

In addition, the app offers the possibility of automating investments, making it easier to create a consistent and disciplined savings habit.

Outstanding functionalities:

Automatic investment: Allows you to schedule regular investments, facilitating the creation of a savings habit without having to perform manual actions on a daily basis.
Round ups: This feature rounds up purchases made with the linked card and allocates the difference to investments, transforming small changes into big investment opportunities.
Fractional fund investing: Users can invest in fractions of stocks and ETFs, allowing them to start investing with small amounts.
Automatic Transfers: Facilitates the transfer of funds from the user's bank account to their Stash investment account automatically, so that funds are saved and invested on a regular basis.
Stash Learn: This is an educational center within the app that offers articles, videos, and quizzes to improve users' financial knowledge.
Portfolio Analysis: Tools that allow users to monitor and analyze the performance of their investments, facilitating adjustments and optimizations to their investment strategy.

Paid, but accessible

Stash is not a free app, but its subscription model offers fairly affordable access for most users.

There are a variety of plans, but the most popular includes access to the investment and financial education tools for a monthly fee. This subscription model allows Stash to maintain its services at a relatively low cost, ensuring that everyone can access a robust platform without a large upfront investment.

However, unlike other platforms such as Robinhood, which offers trading without commissions, Stash could be considered less competitive in this regard.

More than an investment app

It's interesting how Stash has a commitment to financial literacy. The company has developed extensive educational resources and partnerships with personal finance experts to ensure that its users not only invest, but also understand what they are doing.

This approach is undoubtedly a positive aspect. In addition, Stash has proven to be an inclusive platform, taking an interest in attracting young people and people who do not have access to traditional financial resources.

A compass for beginners in the financial world

Stash offers an accessible and educational way for novice financial users to start investing. However, subscription costs and lack of advanced features are some areas where the platform could be improved.

The app is designed primarily for beginners and those who are new to investing. This means that more experienced investors might find the platform too basic.

At times, the promotion of certain funds can give the impression that they are being driven by the company's commercial interests. This confusion of interests can erode user confidence in the platform's recommendations.