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Stash vs Robinhood: Comparing Features Fees and Mobile App Experience

Introduction to Stash and Robinhood

The world of personal finance has evolved significantly in recent years with the introduction of financial apps that provide easy access to the financial markets. Two such apps that have gained popularity over the years are Stash and Robinhood.

In this article, we will take a detailed look at these two personal finance apps and understand their features, services, and fees.

Background information on Stash and Robinhood

Stash and Robinhood are both personal finance apps that provide individuals with access to the financial markets, allowing them to invest in stocks, Exchange Traded Funds (ETFs), and cryptocurrency. Stash focuses on long-term investing, while Robinhood has a broader scope of services that include options, margin trading, and cash management accounts.

Stash and Robinhood make investing accessible and affordable to beginners and experienced investors alike.

Features and Services of Stash and Robinhood

Investing options provided by Robinhood

Robinhood offers a wide range of investing options, including real-time market news, educational resources, and a variety of investment assets. You’ll gain access to stocks, ETFs, cryptocurrency, and options trading.

The app provides you with crucial insights about each investment before making a purchase.

Investing options provided by Stash

Stash provides users with real-time market news and educational resources to help build their portfolio, along with a variety of investment assets. Similar to Robinhood, it offers stocks, ETFs, and cryptocurrency investing.

Stash goes an extra mile by providing access to additional investments, such as real estate and pre-built portfolios that align with certain investment strategies, including environmentally-friendly investing. Another unique offering of Stash is insurance that helps safeguard your investments.

Comparison of fees between Stash and Robinhood

Fees are an important aspect to consider when choosing an investment app, and Stash and Robinhood have varying fees based on their services. Robinhood has no account minimums or commission fees on trading, but charges are incurred on bank transfers from external accounts.

Robinhood offers a subscription fee-based premium service called Robinhood Gold, which costs up to $5 per month. Robinhood Gold offers extended trading hours and margin trading.

Stash, on the other hand, has three paid plans: Stash Beginner, Stash Growth, and Stash+ which cost $1, $3, and $9 per month, respectively. The paid plans offer additional features including automatically investing in taxable accounts, custodial accounts, and retirement accounts across multiple investment strategies.

Stash also has an account maintenance fee of $1 per month on accounts with balances of less than $5,000.

Stash and Robinhood are similar in several aspects, but they differ when it comes to extra fees.

Stash charges an account maintenance fee if an account balance is below $5,000, while Robinhood only charges bank transfer fees. Some investors may find Robinhood a better option if they prefer not to pay extra fees, while others may find value in Stash’s paid plans.


In conclusion, Stash and Robinhood are personal finance apps that provide users with access to financial markets to invest in stocks, ETFs, and cryptocurrency. Both apps offer educational resources and real-time market news to help build your portfolio.

Robinhood allows margin trading and options, while Stash offers additional investment options like pre-built portfolios and environmental investing. Robinhood has no account minimums, but charges fees for bank transfers while Stash has a minimum account balance and an account maintenance fee.

It is important to consider fees, investment options, and paid plans to determine the best investment strategy on the app or platform that suits individual needs and preferences.

Mobile App Experience

Robinhood and Stash are primarily mobile-app-based platforms, and their mobile app experience plays an integral role in attracting and retaining users. Both platforms offer user-friendly mobile apps that are easy to navigate, helping users to manage their investments with ease.

User interface and functionality of Robinhood’s mobile app

Robinhood’s mobile app has a clean, minimalist design that is easy to navigate. The app provides users with information on the latest market news, stock research, and trends.

It allows for transactions of stocks, options, funds, and cryptocurrency with real-time market data and instant trade execution. The app has added features that provide insights for investors on price alerts, dividend mailings, and IPO access.

The user interface is well organized, and additional features such as Robinhood Gold are not intrusive and easy to subscribe to.

User interface and functionality of Stash’s mobile app

Stash’s mobile app also has an intuitive design with an emphasis on education and simplicity.

The app provides users with guidance and education using resources on investment opportunities, market trends, and other informative content. The investment platform features automated savings tools that help users build their portfolios.

Managed stock portfolios help new investors gain access to a diversified and balanced portfolio. The app also provides a Stock-Back feature where you earn stocks by making purchases with a Stash banking card.

Who Should Use Stash vs Robinhood?

Target audience of Stash

Stash is a great investment platform for new investors who are looking for guidance, education, and a secure investment platform without any prior knowledge of investing. The platform provides an excellent starting point for novice investors, and comprehensive educational resources are available that highlight investment opportunities based on trends and analytical data.

Stash also features a Smart robo-advisor that guides users through the investment process and automatically invests funds in a portfolio aligned with your specific financial goals. The platform is secure, and hassle-free, making it easy for individuals to invest in the financial markets.

Target audience of Robinhood

Robinhood is ideal for investors who are looking for no-fee access and zero-commission trading. The platform is an excellent option for individuals looking for access to the stock markets.

The app delivers information on market news, real-time data, and trends, helping users make informed investment decisions. The app’s user interface is user-friendly and features a great variety of investment opportunities, including cryptocurrency.

The mobile app’s features, including Robinhood Gold, margin trading, and options trading, will appeal to more experienced investors.


Stash and Robinhood both provide accessible mobile app-based platforms for individuals looking to invest in the financial markets. Robinhood offers no-fee access and zero-commission trading for investors interested in stock markets, while Stash provides guidance, education, and a secure and straightforward platform for new investors.

The mobile app experience for both Stash and Robinhood’s platforms is user-friendly allowing investors to carry out transactions with ease. Ultimately, the target audience will determine the platform to use depending on the user’s investment goals, skills, and preferences.


Investing is an excellent way to grow your wealth and achieve financial goals. But it is important to have a smart investment strategy.

Without a plan, you may end up making costly mistakes and losing money.

Importance of having a smart investment strategy

A successful investment strategy is essential for long-term financial stability and growth. A smart investment strategy includes a clear understanding of your financial goals, risk tolerance, and investment time frame.

There is no one-size-fits-all strategy since each investor and their financial goals are unique. Below are some tips that can help you formulate a smart investment strategy.

1. Determine your financial goals

Having clear, realistic, and achievable financial goals is the foundation of a successful investment strategy.

Determine what you want to achieve, whether it is short-term or long-term financial goals like buying a home, education, retirement or wealth creation. 2.

Understand your risk tolerance

Risk tolerance is an essential factor when developing an investment strategy. Your risk tolerance refers to the level of risk you are willing to take in pursuit of your investment goals.

It is crucial to understand how much risk you can tolerate without causing undue anxiety or negatively impacting your financial status. 3.

Diversify your portfolio

Diversification is a crucial aspect of building a successful investment strategy. By spreading your investments out among different asset classes, you are minimizing your risk exposure in case one asset class fails or declines in value.

The goal is to invest in a mix of stocks, bonds, mutual funds or exchange-traded funds (ETFs), or other diversified investments. 4.

Monitor your investments

Regularly monitoring your investments to evaluate how well they are performing and whether they align with your strategy is critical. Reviewing your investment performance regularly can help you make informed decisions on whether to sell, hold, buy, or adjust your investments.

5. Seek guidance

If you are new to investing, it is always good to seek guidance from a financial planner or robo-adviser.

A professional can provide an unbiased opinion and help you develop a solid investment plan that aligns with your financial goals, risk tolerance, and time frame.


Developing a smart investment strategy is crucial for successful investment outcomes. With a clear understanding of your goals, risk tolerance, and investment time frame, it becomes easier to develop a plan that aligns with your needs.

It is also essential to have realistic expectations and regularly review and adjust your plan to ensure it continues to meet your goals. Whether using Stash or Robinhood, investors should build an investment strategy that answers their unique investment needs, goals, and time frame; after all, making smart and informed investment decisions is critical to growing wealth and securing their financial future.

In conclusion, Stash and Robinhood are both valuable personal finance apps that offer users the ability to make investments in stocks, ETFs, and cryptocurrency. Their services, features, and fees vary, and each platform targets a specific audience.

It’s important to have a smart investment strategy that aligns with your financial goals, risk tolerance, and investment time frame. Factors such as diversifying your portfolio, understanding your risk tolerance, seeking guidance, and monitoring your investments are crucial.

By following these tips and developing a solid investment plan, individuals can achieve long-term financial stability and growth.

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