Bitcrown.cc Review Is BitCrown a Scam or Should I Invest

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Contents

Bitcrown.co Hyip Review : Scam Or Paying? Read Our Full Review

Risk Warning

Below Project Look Like Not Safe For Investment . It Is Not Our Premium & Sticky Listing . Invest On Your Own Risk .We Are Not Responsible For Your Losses .

Not Paying

About Bitcrown.co

Bitcrown.co a result of the development of blockchain technology in recent years, more and more cryptocurrencies have been created, with bitcoin gaining the largest market capitalization and the longest track record, as well as being the most liquid. Despite the growing interest in digital currency, current solutions available for accessing Bitcoin create numerous difficulties for investors.

The Bitcrown.co Foundation allows qualified investors to access cryptocurrency for the first time in a more convenient and secure environment. Through a transparent and rigorous investment process, Bitcoin Crown integrates the management of potential forks, as well as reducing the risk of loss and theft.

Click Here To Join

Basic Information

Min Investment $10.00
Min Withdraw 0.001 BitCoin.
Avg. Refer Rate 1 Level Refer System 2%
Payment Type
Company Type Hyip
Web I.P 103.109.101.34
Company Address U.K
Company No 11780189.
Payment Accepted Bitcoin, Perfect Money, Paypal
Links Homepage

Investment Plan Of Bitcrown.co

106% AFTER 1 DAY

133% AFTER 5 DAYS

210% AFTER 15 DAYS

390% AFTER 35 DAYS

Complete Review Of Bitcrown.co

The Bitcrown.co Foundation allows qualified investors to access cryptocurrency for the first time in a more convenient and secure environment. Through a transparent and rigorous investment process, Bitcoin Crown integrates the management of potential forks, as well as reducing the risk of loss and theft. Company registered in UK 11780189.

To make a investment you must first become a member of Bitcrown.co. Once you are signed up, you can make your first deposit. All deposits must be made through the Members Area. You can login using the member username and password you receive when signup.

All of user requests for funds withdrawal are processed manually. The maximum processing time can be up to 24 hours. No, there is no need to have active investment to participate in referral program and earn commissions.

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Special Features of Bitcrown.co

Ezxpert Team

They know how essential it is for one to realize their financial goals. Having a proficient expert manage your crypto and forex finances will not only yield higher interest for you. It will also ensure that you reach your financial goals faster. The team is one with world class crypto analysts and forex strategists. So be rest assured that your investment are in safe hands.

Deicated Support

They have gone the extra mile to put different layers of security on platform. BitCrown is important to us just as your investment is important to you. They know you have placed your trust and belief in us and they wouldn’t want that trust or belief to be tarnished by hackers and thieves. Every transaction carried out on your platform is safe. They are all about ensuring customers remain satisfied.

Highly Secured platform

Trust and integrity are two of watchwords. If we provide a great service but have bad customer support, the trust you have in is bound to die down. That is why they have taken our time to invest in a well-trained, professional support team. Your calls and messages will be promptly replied, you will be treated with courtesy, and above all, any issues will be resolved quickly.

Multiple Investment Plans

The investment plans are tailored to the needs of every one. Whether you are a total newbie, an amateur or an expert internet marketer, they have the right investment plan for you.

Fast Withdraw

They won’t keep you waiting when you need your cash. Coupled with reliable services, BitCrown clients’ simply love us for fast and secure payment gateways. Withdrawals on platform are usually processed at the speed of light!

Click Here To Join

This article is writing 08 April 2020 based on information available online & news portal. If you feel it’s outdated or incorrect, please write here to update it. Mail us: [email protected] Or Whatsapp Us- +13098896258

Disclaimer:

Not all the websites Which listed in Top List are 100% safe to use or investment. We do not promote any of those. Due diligence is your own responsibility. You should never make an investment in an online program with money you aren’t prepared to lose. Make sure to research the website. So Please take care of your investments. and be on the safe site and avoid much losing online

IS ABOVE COMPANY IS TRUSTED ?

Golden Rule For Investors

1. Never Invest More Than You Can Afford To Lose. – Invest Only Extra Money You Normally Spend On Luxury Items Into Hyips. Never Risk The Money You Usually Spent On First Priority Goods. It Isn’t Clever To Invest Money Into Hyip That Is Supposed To Pay Your Housing Bills. High Yield Income Projects Are Always Risky And It Is Dangerous To Risk The Money You Need To Support Yourself.

2. Divide Your Fund – The Best Option Is To Divide The Entire Amount Of The Investment Portfolio Into 8-12 Projects. Example: The Volume Of The Investment Portfolio Is $ 500, It Will Be Optimal To Invest In 8-12 Investment Projects Of $ 40-65 Each.

3.Research The Investment Program Before You Invest – There Are A Series Of Checks You Can Do To Test The Reliability Of The Program. One Way Of Analyzing Hyips Was Posted Here.

4. Withdraw Profit Regularly – And The Body Contributes On Time. If Profits Are Accrued Daily – Withdraw Them Every Day, If Once A Month, Withdraw Them Once A Month, If Hourly Charges – Every Hour. So You Quickly Reach The Breakeven Point.

5. Don’t Be Greedy – Even If You Keep Getting Decent Profits For Several Months, It’s No Reason To Think That This Is Sustainable. A High Yield Project Can Close Any Time. No One Knows When Not Even The Admin Himself. You May Find Yourself With Nothing If You Spent Your Money Recklessly.

Don’t Be Tempted To Invest In So-Called Vip Plans That Offer Extraordinary Profits If You Invest Higher Amounts (>1000$). Those Deposits Are So-Called “donors” That Will Be Used To Pay Regular Users.

Admins Don’t Rob Banks. They Are Simply Moving Money From One Investor To Another.

After All, Big Deposits Don’t Help The Lifetime Of A Project.

6. Stay Away From Projects With Lousy Customer Support. – If You Cannot Get Any Answer From The Support Team, You’re Probably Better Off Not Investing In That Project.

7. For Security Purposes, Each Project Must Use Different Passwords.

8. Keep Your Personal Information A Secret.- Keep As Much Of Your Personal Information A Secret. The Less Information Hackers Know About You, The Lower The Chance Of You Losing Your Money. In Fact, You Might Want To Change Passwords Regularly. Avoid Using The Same Password For Different Accounts/programs And Select Difficult Passwords Which You Can Remember. Also, Have Anti-virus Software And A Firewall To Prevent Any Key Loggers From Stealing Your Personal Data. This Is Your Money, Protect It.

9. Do Not Believe The Huge Interest.- As A Rule, They Show That The Project Is False Or Is A Kind Of Pyramid. Remember, 30-50% Of Monthly Income Is A Rather Adequate Percentage. If You Are Promised To Be Paid More Than 200% Of Your Investment, You Can Be Sure It Is Fraud.

10. Do Not Compound Your Interest – Until You Have Earned Your Deposit Back.
This Reduces The Likelihood Of You Losing Money As Some Programs Do Not Survive For Long, Especially Those Without Sound Business Plans.

Disclaimer

Not all the websites Which listed in Top List are 100% safe to use or investment. We do not promote any of those. Due diligence is your own responsibility. You should never make an investment in an online program with money you aren’t prepared to lose. Make sure to research the website. So Please take care of your investments. and be on the safe site and avoid much losing online.

Bitcoin Revolution Review 2020: Legit or Scam?

As seen with the rise of Bitcoin Revolution reviews in the web, this robot has reportedly become incredibly popular. Bitcoin Revolution claims to help ordinary people enter the crypto market through crypto automated trading. The robot claims to be able to earn thousands per day for traders, with their latest technology software.

But is it too good to be true? Is Bitcoin Revolution legit or is it a scam? In this Bitcoin Revolution review, we will take a look.

Bitcoin Revolution Review

Bitcoin Revolution is an automated trading tool that was created in 2020 by a group of established brokers, with promises to provide signals 0,01 seconds faster than any other software.

Remember, all trading carries risk.

You can read more about Bitcoin Revolution by selecting the topics below:

Top Crypto Trading Pairs

No US Clients Allowed
Account Information
Free Demo Account
Languages: EN, ES, FR, DE, IT, NL

Minimum Deposit: $250 USD

Credit CardDebit CardNetellerSkrill
Payment Options

On this Page:

What is Bitcoin Revolution?

Bitcoin Revolution is a fairly new software. Just one year after being launched on the market, it quickly gained the allegedly reputation of being the fastest, most reputable and accurate robot for trading Bitcoin and cryptocurrencies. We must remember something: robots came to simplify life and reduce time is in transactions. While a human can take up to two whole days analysing the signals, trading robots can do it in a matter of hours, minutes, or even seconds, with a higher claimed success rate.

Although there is no precise information on who the founder or creator of Bitcoin Revolution is, it is said that it was developed by a group of brokers who know very well the market for Bitcoin and cryptocurrency trading, and with that knowledge they decided to create, users claim that it’s one of the best trading Robot with an all time winning algorithm.

Is Bitcoin Revolution a scam or not?

There has been claims on Bitcoin Revolution being a scam, and a lot of videos on Youtube about it. The fact is, however, that there is a lot of volatility when trading with a complex asset suchlike Bitcoin and cryptocurrencies. To give you an example, Bitcoin has the power to gain over 20% market share in as little as 1h. The results depends on which signals are being emitted from the market so that Bitcoin Revolution can perform the trades. Remember, high volatility provides higher risks but also higher rewards.

We discovered there is reportedly 92% chance of success in the operations we have reviewed out on this platform, which is of course a very interesting number.

In addition to that claimed 92% success, there is another detail that must also be taken into account, and that is that despite this, there are significant risks when trading, but they can be reduced if the proper care is taken.

A day in the Bitcoin Revolution office

Let’s look at how Bitcoin Revolutio claims to work. One of the most interesting details is the reason why this software is offered for free. This software is as successful as a company so its owners do not need to charge anything for subscription. Actually the only thing they get as a profit is 1% of the successful operations registered within the platform, which means profits received by entrepreneurs is really due to the volume of users generating money within the platform.

In other words, the more profits Bitcoin Revolution users get, the more profits their owners earn, which means that in order for the business to work well, they certainly have to be an option that is not only very reliable, but also really successful and effective.

But it does not stop there. Let’s put it this way, everything seems to indicate then that Bitcoin Revolution should not be a software available to everyone, but the truth is all the opposite. It is not just a free software that allows you to enter the crypto market, but it is also too easy to create an account on this platform. Take a look below as we explain it in few simple steps:

Creating an account on Bitcoin Revolution

Step 1: Registration

The first step is easy and simple. It’s about filling out a form in which you must provide your full name and then enter a password to protect your account, and finally your email and your phone number. After you register, which is quite easy and simple, you will be connected with a broker and you will be able to move on to the next step.

Step 2: Demo account

This step is optional, but we recommend it as one of the first strategies to avoid the risks of losses. What is it about? It is a demonstration mode, which is a way to experiment with the platform and perform trades with fictitious money within the platform, but in a very similar way to what the real operations will be once you have deposited money in your account. We recommend to try it to learn the different operations that you can execute on the platform, so that once you have familiarised yourself with everything, you can start trading for real.

Step 3: Live trading

This step might be the most important one because this is where you are going to tell the robot exactly how you want it to do the things for you. Remember this: the great advantage of trading robots is they can do all the work for you.

In this step you can access the control panel where you can basically set up all the details about how you expect the robot to operate.

Then, you will also have access to the history of operations to see both successful and failed operations. You can also “open trades” to check them in real time, as well as being able to switch the live account to the demo account, or vice versa, depending on what you want to do at any time.

Step 4: Deposit

Once you have set up your account and you have everything ready to start trading, it’s time to deposit real money to start using your live account and start trading trough Bitcoin trading with Bitcoin Revolution. Remember, Bitcoin Revolution is free but you require some funds to start trading with the brokers.

The accepted payment methods are Visa and Master credit cards, Neteller, Skrill. The brokers usually require a minimum deposit of $250 USD to begin placing trades with Bitcoin Revolution.

Key Features of Bitcoin Revolution

It’s common to have doubt when you are looking to invest in a different trading platform so, to summarise, we have collated the key features of Bitcoin Revolution below:

Reportedly a consistent profitability: While it is true that you have to acquire some experience before making profits of large amounts, Bitcoin Revolution claims that once you familiarize yourself with the account and start investing more confidently, earnings can exceed 1000 $ weekly. However, remember that all trading carries risk and there is no guarantee of profit.

Variety in cryptocurrencies: You can not only trade Bitcoin but also Ethereum, Litecoin and Ripple. In addition to that you can also choose between pairs of cryptocurrency by cryptocurrency, or by dollar or Euro.

Withdrawals and deposits in acceptable times: Withdrawing your money on this platform will never take more than a day, which makes it a very acceptable alternative.

Safe and friendly verification system: Its verification system is based on the personal user information (name, credit card, etc) instead of complicated documents.

Efficient and safe brokers: This platform carries out operations directly and automatically trough online brokers, which, besides being very effective and having a direct influence on the success of their operations, are also very safe and scam free.

Payouts: Unlike many other robots in the market, Bitcoin Revolution has an “up to 72h withdrawal” policy. When you request to withdraw your funds, it should usually be available to your bank account or credit card of choice within 72hs.

Let’s compare Bitcoin Revolution with the rest of the trading robots:

Bitcoin Revolution

  • Offers a demo account to familiarize yourself with the platform before investing real money.
  • It has a reported success rate of 92% or higher, which makes it an interesting trading robot.
  • The minimum initial amount to start trading is $250
  • Registering is very easy and simple. It takes just a few minutes to sign up.

Other Robots

  • Users are usually forced to invest from the beginning, without trying the platform first.
  • Most are scams or perform unsuccessful trades.
  • Many robots demand that you invest a larger amount, in promises of higher rewards.
  • Other robots require you to fill many forms and their platform is a bit clunky or non-user friendly at all.

Advantages of Bitcoin Revolution

For all types of users: It is a very complex software, with an algorithm that performs very interesting functions for the most experts in the world of cryptocurrency trading, but on the other hand it also has a very simple interface that makes the most novices able to learn very easily about Bitcoin trading. Besides that, registering and configuring your account is a process that takes less than half an hour, and after that, the robot will do everything for you.

Performance: with a reported 88% chance of performing successful operations, this robot offers you the opportunity to perform several operations at the same time. With the minimum deposit of $ 250, you can allegedly make up to 10 different transactions, with the probability of being successful in at least 8 of them. Just remember that all trading carries risks. There is no guarantee of profit on this auto-trading product.

Dedicated customer service: this service is very special because it not only offers you all the help you need, but also offers a live chat option and you can make inquiries at any time of the day.

Information at the service of the user: Besides the option of the demo account to familiarize you with the platform, it also offers tutorials to educate users and help them to learn about the world of cryptocurrency trading.

How to use Bitcoin Revolution?

Aanyone can use Bitcoin Revolution. However, there are recommendations we must to tell you which may help you to reduce the risks of loss.

Here’s some advice to reduce the risk of loss:

Use the Demo account: take advantage of making all possible mistakes while not using real money. Also take advantage of familiarizing yourself with the platform to become an expert.

Take advantage of the information: Besides demo, there are also tutorials and a customer service that can help you acquire more knowledge to increase your chances of success within this platform.

Start with a moderate investment: If you’re a first time investor, you should be looking to deposit no more than $ 250 until you feel like you trust the robot enough. Remember that despite that 92% claimed success rate, cryptocurrencies represent a market that can change drastically when you least expect it.

Has Bitcoin Revolution been on TV?

In late 2020 during the crypto boom, there’s been rumours of Bitcoin Revolution appearing in a few TV shows. Check down below whether this software has really been on the TV, and which TV shows it was mentioned to be in:

Bitcoin Revolution seems to be one of the best trading apps there is today. It’s really a piece of great work, but despite the rumours it’s never been proved to actually taking part in the show. There are many images circulating through the internet, but those are mostly fake images set out by a few users who invested recklessly a lot of money and lost due to the crypto crash in 2020.

Britain’s morning show “This Morning” has been associated with Bitcoin Revolution in the past. Their hosts Philip Schofield and Holly Willoughby have been seen in an advert circulating online, where they were featuring Bitcoin Revolution on one of their TV show episodes. None of these, however, have been proven to be real, and we tried to look for the episode online but couldn’t find it, which means they haven’t in fact been on the TV show.

Similar to it’s UK version of the show called Dragon’s Den, Bitcoin Revolution has never been on Shark Tank, and none of the “sharks” have actually invested any money on Bitcoin Revolution. If you see images circulating around the internet, you can be sure that those are fake.

Is Bitcoin Revolution endorsed by Celebrities?

There’s been a lot of rumours in the past years about Bitcoin and celebrities involved. In 2020, many ICOs have been endorsed by celebrities and successful businessmen, but is that the same case regarding Bitcoin Revolution? You can find below some of the celebrities that have been said to endorse this trading software:

The Mega-entrepreneur and TV star, the Irish Dragon Sir Peter Jones has been said to endorse Bitcoin Revolution. This was actually used in a campaign being promoted on social media like Facebook by someone completely unrelated to him. Peter Jones has stated he has no involvement with the trading software, and has clarified that via a tweet.

The owner of the Virgin Tycoon empire, Sir Richard Branson has claimed many times that he is a faithful follower of Bitcoin and other cryptocurrencies. He’s actually said that Bitcoin will eventually lead him to the moon, referring to his “Virgin Galactic” business. There hasn’t been, however, any sort of involvement between Richard Branson and Bitcoin Revolution.

Jeremy Clarkson is an English celebrity journalist and writer. There are rumours that he has invested in Bitcoin Revolution. However, our investigation reveals otherwise. Jeremy Clarkson has not shown any interest in Bitcoin Revolution let alone invested in it. The platforms making the Jeremy Clarkson Bitcoin Revolution endorsement are nothing but gossip blogs. Even so, Bitcoin Revolution appears to be legit given the many positive reviews. Most people who have tried this robot are happy with its performance.

Martin Lewis, the Money Saving Expert guru has been claimed to endorse other trading software like the Bitcoin Code. He has, however, stated in a blog post that he does not use his face to promote any sort of financial company, let alone any sort of trading app. The same seems to apply to Bitcoin Revolution, which he said he’s got nothing to do with.

There’s been rumours about the actor David Tucci turning his 250 euros invested into more than 500 euros by using Bitcoin Revolution within a few minutes. Nothing has been confirmed about this, and he doesn’t seem to have any sort of relation with the trading robot.

Bitcoin Revolution Review :The Verdict!

Is it worth investing in Bitcoin Revolution? It appears to be a reliable software, according to user reviews.

If you follow the advice given in this article and are both familiar with the platform and reducing risks, you will be increasing your chances of positive performance through this Bitcoin trading robot. Remember to only invest what you can afford to lose, and that high risks come with high rewards.

SCAM WATCH

Investment schemes involve getting you or your business to part with money on the promise of a questionable financial opportunity.

Common types of investment scams

Investment cold calls

A scammer claiming to be a stock broker or portfolio manager calls you and offers financial or investments advice. They will claim what they are offering is low-risk and will provide you with quick and high returns, or encourage you to invest in overseas companies. The scammer’s offer will sound legitimate and they may have resources to back up their claims. They will be persistent, and may keep calling you back.

The scammer may claim that they do not need an Australian Financial Services licence, or that that they are approved by a real government regulator or affiliated with a genuine company.

The investments offered in these type of cold calls are usually share, mortgage, or real estate high-return schemes, options trading or foreign currency trading. The scammer is operating from overseas, and will not have an Australian Financial Services licence.

Share promotions and hot tips

The scammer encourages you to buy shares in a company that they predict is about to increase in value. You may be contacted by email or the message will be posted in a forum. The message will seem like an inside tip and stress that you need to act quickly. The scammer is trying to boost the price of stock so they can sell shares they have already bought, and make a huge profit. The share value will then go down dramatically.

If you invest you will be left with large losses or shares that are virtually worthless.

Investment seminars

Investment seminars are promoted by promising motivational speakers, investment experts, or self-made millionaires who will give you expert advice on investing. They are designed to convince you into following high risk investment strategies such as borrowing large sums of money to buy property, or investments that involve lending money on a no security basis or other risky terms.

Promoters make money by charging you an attendance fee, selling overpriced reports or books, and by selling investments and property without letting you get independent advice. The investments on offer are generally overvalued and you may end up having to pay fees and commissions that the promoters did not tell you about. High pressure sales tactics or false and misleading claims are often used to pressure you into investing, such as guaranteed rent or discounts for buying off the plan.

If you invest there is a high chance you will lose money.

Visit ASIC’s MoneySmart for more information about investment seminar scams.

Superannuation

Superannuation scams offer to give you early access to your super fund, often through a self-managed super fund or for a fee. The offer may come from a financial adviser, or a scammer posing as one. The scammer may ask you to agree to a story to ensure the early release of your money and then, acting as your financial adviser, they will deceive your superannuation company into paying out your super benefits directly to them. Once they have your money, the scammer may take large ‘fees’ out of the released fund or leave you with nothing at all.

You cannot legally access the preserved part of your super until you are between 55 and 60, depending what year you were born. There are certain exceptions such as severe financial hardship or compassionate grounds – but anyone who otherwise offers early access to your super is acting illegally.

Visit ASIC’s MoneySmart for more information about how super works.

Warning signs

  • You receive a call, or repeated calls, from someone offering unsolicited advice on investments. They may try to keep you on the phone for a long time, or try and transfer you to a more senior person. You are told that you need to act quickly and invest or you will miss out.
  • You receive an email from a stranger offering advice on the share price of a particular company. It may not be addressed to you personally, and may even give the impression it was sent to you by mistake.
  • An advertisement or seminar makes claims such as ‘risk-free investment’, ‘be a millionaire in three years’, or ‘get-rich quick’.
  • You are invited to attend a free seminar, but there are high fees to attend any further sessions. The scammer, posing as the promoter, may offer you a loan to cover both the cost of your attendance at the additional seminars and investments.
  • You see an advertisement promising a quick and easy way to ‘unlock’ your superannuation early.

Protect yourself

  • Do not give your details to an unsolicited caller or reply to emails offering financial advice or investment opportunities – just hang up or delete the email.
  • Be suspicious of investment opportunities that promise a high return with little or no risk.
  • Check if a financial advisor is registered via the ASIC website. Any business or person that offers or advises you about financial products must be an Australian Financial Services (AFS) licence holder.
  • Check ASIC’s list of companies you should not deal with. If the company that called you is on the list – do not deal with them.
  • Do not let anyone pressure you into making decisions about your money or investments and never commit to any investment at a seminar – always get independent legal or financial advice.
  • Do not respond to emails from strangers offering predictions on shares, investment tips, or investment advice.
  • If you feel an offer to buy shares might be legitimate, always check the company’s listing on the stock exchange for its current value and recent shares performance. Some offers to buy your shares may be well below market value.
  • Never commit to any investment at a seminar – always take time to consider the opportunity and seek independent financial advice.
  • If you are under 55, watch out for offers promoting easy access to your preserved superannuation benefits. If you illegally access your super early, you may face penalties under taxation law.

Have you been scammed?

If you think you have provided your account details to a scammer, contact your bank or financial institution immediately.

We encourage you to report scams to the ACCC via the report a scam page. This helps us to warn people about current scams, monitor trends and disrupt scams where possible. Please include details of the scam contact you received, for example, email or screenshot.

Scams that relate to financial services can also be reported to ASIC.

Spread the word to your friends and family to protect them.

Stash Invest Review 2020 – Is It Even Worth It?

Every new investor faces two challenges:

  1. The barrier to entry is too high
  2. Not having the slightest idea of what to actually invest in

It’s no secret that investing jargon can sound like a foreign language. This can deter many people from ever taking the time to learn what they actually need to know. On top of that, many brokerages require investors to have minimum balances and automatic deposits that are just too much.

Fortunately, those days are long gone.

Technology has been huge for lowering investment barriers. There are now so many options that are both accessible and easy to understand by everyone.

One of these options is Stash Invest. You can get $5 for free when you sign up and make your first investment!

Stash is great because the app allows users – who perhaps don’t have a ton of money – to buy fractional shares of a stock. Want to buy Amazon but a single share costs $1,000?? With fractional shares, you can buy a percentage of a single share.

Stash isn’t the only one offering fractional shares – the functionality has become popular and companies like M1 Finance also offer it on their platforms. M1 Finance allows you to build a portfolio of stocks and ETFs for free – yes free. No fees.

Plus, many of the major brokers now offer commission-free investing, so keep that in mind as you make your decision of where to invest.

If that sounds appealing, then I recommend you check out these 5 apps that allow you to actually invest for free.

Bonus: Stash Banking is offering a $50 bonus if you deposit $300 within 30 days. Check it out here >>

Quick Summary

  • Automatic investing app with $0 minimum to get started
  • Makes investing “easy” by really simplifying the process
  • Fees as low as $1 per month

Stash Invest

Product Name

Min Investment

Annual Fees

Account Type

Traditional IRA, Roth IRA, Taxable

Promotions

Why Stash Invest?

Stash Invest is an app that launched in 2020 after the founders set out to answer the question: why don’t half of Americans invest?

They kept coming back to one answer. Most people found investing to be un-relatable, expensive and intimidating. (Can you relate?!) From those answers, Stash Invest was born.

The Stash Invest app allows investors to start investing for free. Not only that, but Stash makes choosing investments extremely simple.

They also have low fees at only $1 per month, for basic banking and personal investing.

Stash Invest Fees and Pricing

Stash Invest recently updated the pricing and tried to simplify their offerings.

They currently have 3 pricing options – all flat fee offerings (versus the previous structure of AUM).

Beginner: This plan is $1 per month, and offers a basic brokerage account and Stash Banking account. It also offers free financial guidance.

Growth: This plan is $3 per month, and allows retirement investing, along with a taxable brokerage account and banking options.

Stash+: This is their most robust option, and is for families who want to save and invest. At $9 per month, you get not only taxable and retirement investments, but you also get up to two custodial investment accounts for your children (note: these are not 529 plans).

These options compare to Acorns, but are slightly more expensive in some regards, although you do get banking at every price point.

How To Get Started In Five Simple Steps

If you want to get started with Stash Invest, the sign-up process is extremely simple. (After you sign up check the bottom of the post for ways to quickly grow that balance.)

# 1 – Click Here To Get Started

Click here to check out Stash Invest online and get started on your desktop.

Click here to get Stash for free on the App Store, you’ll be directed to the app store and you can download the app to your phone.

# 2 – Fill Out Your Profile

Next, you’ll fill out your basic information and answer a couple of questions.

These questions will help Stash guide you on making investment decisions. It’s important that you’re honest with these survey questions because they help determine your risk tolerance.

This should only take a couple of minutes.

# 3 – Choose An Investment

Based on the answers you provided, Stash Invest will show you investment options that line up with your risk tolerance (conservative, moderate, or aggressive.) You can click on the different investments to learn more about them. (Don’t worry they’re explained in layman’s terms!)

The great thing about Stash is that they make investing relatable. Instead of crazy names of ETFs and ticker symbols, you invest in “themes” that are based on your wants, beliefs, or likes. We’ll talk more about that below.

Right now, there are over 1,800 investment options (stocks and funds) available on the platform.

You can invest in these for as little as $0.01.

Link up the bank account you want to have money withdrawn from to make your investments.

It takes about 2-3 days for the money to transfer into Stash.

# 5 – Confirm Your Identity

Verify your identity, create a four digit pin number and you’re all done.

How To Actually Invest With Stash Invest

Stash does things differently than your traditional investing app or brokerage.

Instead of choosing a stock or ticker symbol to invest in, you choose from themed investments.

This is a really great way to make investing relatable, while at the same making investing affordable and easy.

For example, if you believe that Americans will spend more on healthcare simply because they are getting older, you could invest in “Doctor, Doctor”. This investment is based on an ETF that invests in U.S. healthcare companies.

Similarly, you could invest in “Companies”. For example, you could want to invest in a piece of Warren Buffett through his company, Berkshire Hathaway.

When you click on an investment you can see the underlying holdings – real companies that you invest in.

Purchasing an investment is really easy. You just click on the “Add To Portfolio” button and enter how much you want to invest.

Fractional Shares

Fractional Shares are now available on Stash – which is great if you’re getting started with just a little bit of money. Fractional shares of most investments are available on our platform starting at 1¢, and customers can buy a piece of any stock or fund trading at more than $1,000 per share starting with just 5¢.

DRIP (Dividend Reinvestment Program)

Dividends are a huge driver of long term growth and returns – and Stash now includes free dividend reinvestment. Customers can automatically reinvest dividends across STASH’s suite of investment products, including personal brokerage, Traditional & Roth IRA’s and custodial accounts.

What To Do Next

The goal of Stash (and any investment account) is to build your portfolio over time. Stash Invest makes it fun and easy by creating milestones and ways to encourage you to invest more.

Once you make your first investment, you’ll get the milestones based on thresholds:

Stash also tries to show you your potential – by both adding new investments and teaching you the value of investing often.

Over time, you can check in your home screen and see how your portfolio is doing overall.

You can also enable Diversify Me.

  • Diversify Me simplifies the portfolio building experience and guides customers towards a well-balanced, diversified foundation in their investment accounts. STASH’s diversification engine automatically constructs starter portfolios that are tailor-made for each customer. Then, customers can invest their desired amounts with just one tap.

Stash Retire

Stash has a feature called Stash Retire, which is a retirement account option for investors. Stash Retire offers both Traditional and Roth IRAs – and offers the same investment choices you’d find in Stash. You can contribute up to the IRA Contribution Limit in a Stash Retire account.

Stash Retire is part of the Growth Plan, and it is slightly more expensive at $3 per month.

You can still start investing for free, but that could be quickly eroded by fees if you don’t invest more and see investment gains.

Stash Banking

Stash also recently partnered with Green Dot Bank to launch a banking feature on its app¹. They offer a debit account with no overdraft or monthly maintenance fees², access to a large network of free ATMs nationwide³, ASAP Direct Deposit™ which enables customers to get their pay up to 2 days early⁴, as well as Stock Back™⁵ the only rewards program where customers earn stock every time⁶ they spend.

Every STASH customer also receives personal guidance across every aspect of their finances—from spending to saving and investing‚ with actionable advice to help them get the most out of their money.

Of course, the banking aspect connects seamlessly to Stash Invest, to allow you to manage all your money in one place.

Also, with banking, you can do the following:

  • Round-Ups to grow savings on auto-pilot. Every time customers spend, STASH will round-up the purchases to the nearest dollar. Each time the round-ups total hits $5, STASH will transfer the spare change to the customer’s personal investment account.
  • Cash Back gives customers the opportunity to earn up to 10% cash back on everyday purchases. Customers can opt-in and then connect up to three credit or debit cards and automatically earn cash back each time they spend at participating retailers nationwide. Based on customer location, the feature will surface cash back offerings nearby, allowing them to conveniently discover new retailers and great deals at places they already shop. Customers can invest the earnings in their favorite stocks or withdraw the money at no cost.

Bonus: Stash Banking is offering a $50 bonus if you deposit $300 within 30 days. Check it out here >>

The Cons of Stash Invest

The biggest drawback of Stash is the cost. $1 per month may not seem like a lot, but on a small portfolio, the percentage is very high. $1 per month is $12 per year. On a $100 investment that is 12% in investing fees. That’s incredibly hard to earn back, and those fees keep coming. That can really kill your portfolio’s earning potential.

When you look at $3 per month (or even $9 per month), you need to invest a large amount to make the fees competitive to other platforms.

Let’s look at an example to break it down. If you’re interested in Technology Stocks, you might consider investing in Stash’s Internet Titan’s ETF. This ETF is actually ticker symbol FDN, which is First Trust Dow Jones Internet Index Fund. This ETF has an expense ratio of 0.54% – which is pretty high for a domestic ETF.

If you want to invest in a similar ETF at Fidelity, you’d probably go with FTEC, which is Fidelity MSCI Information Technology Index ETF. It invests in the same companies, and it has an expense ratio of just 0.08%. It’s also commission-free to invest in. The Stash ETF alone is 6.75x more expensive to own than the fund at Fidelity. Plus, you have that $1/mo fee on top of it!

So, if you have a $1,000 investment in this fund, it would cost you (per year):

  • At Stash: $12 (the $1/mo fee) + $5.40 (the fund’s expense ratio) = $17.40
  • At Fidelity: $0.80 (the fund’s expense ratio) = $0.80

In percentage terms, your investment would end up costing about 1.74% per year in fees.

At Fidelity, it’s just the 0.08%. So, when you add in the monthly fees, it ends up being 21.75x more expensive to invest at Stash than Fidelity!! All those extra fees are doing is hurting your return over time.

I spoke to Stash about this to see if they had any comment. The person I spoke to justifies the high percentage in fees by looking at what the customer gets in return of spending only $1 a month.

For example, unlike Fidelity, Stash has a beautiful and easy-to-navigate app built specifically with the user in mind (millennials). When a customer signs up to Stash, they are not just there to invest. they are there to learn.

Fidelity doesn’t exactly talk the user through their investment decisions the way Stash does, using layman’s terms the user can understand. Moreover, many people never end up investing solely because there are too many options on platforms like Fidelity!

It turns out millennials may be willing to pay $1 a month, even if by percentage terms that’s a lot, to learn how to invest, get recommendations on what to invest in, and most importantly, form the investing habit.

Alternatives To Stash

But if you’re like me, and don’t like high fees no matter how convenient and pretty the app may be, then I recommend opening an IRA or brokerage account at a mainstream brokerage like TD Ameritrade or Fidelity. What most people don’t realize is that you can open an IRA with no minimum, you can get access to hundreds of commission free ETFs, and you have a great app to use. You essentially can build your entire diversified portfolio for free, on an app.

So, instead of paying high fees and investing in their custom ETFs, you simply get a regular “mainstream” account, can invest in the same ETFs, and experience no fees.

If you’re looking for something that allows you to buy small amounts, check out ​M1 Finance.

Final Thoughts

With Stash, it’s free to get started. This is perfect for anyone getting started. Plus, it’s so easy to understand!

A bunch of $5 investments can add up to something big.

If you want to get started investing but haven’t made the plunge, consider Stash, but also consider other options. For every investing style, there is likely a better and cheaper solution.

Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Nothing in this article should be construed as Legal or Tax Advice. For additional questions regarding Taxes, please consult a Tax Professional. Investing involves risk.

*Clients may incur ancillary fees charged by Stash and/or it’s custodian that are not included in the monthly Wrap-Fee.

1 Debit Account Services provided by Green Dot Bank, Member FDIC. Investment products and services are not offered by Green Dot Bank, are NOT FDIC Insured, Not Bank Guaranteed and May Lose Value. Account opening for the debit account is subject to Green Dot Bank’s approval.

2 Other fees apply to the debit account. Please see Deposit Account Agreement for details

3 Other fees may apply. Fee-free ATM access applies to in-network ATMs only. For our-of-network ATMs and bank tellers a $2.50 fee will apply, plus any additional fee that the Atm owner or bank may charge.

4 Early access to your direct deposit depends on deposit verification and when Green Dot Bank gets notice from your employer, and may vary from pay period to pay period.

5 Opt-in is required. In order to earn stock in the program, the Stash debit card must be used to make a qualifying purchase. Stock-Back Rewards that are issued to a participating customer’s personal brokerage account via the Stash Stock-Back Program, are not FDIC Insured, Not Bank Guaranteed and May Lose Value. Stash Stock-Back™ is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any stock rewards earned through this program.

6. What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P payment. See full terms and conditions.

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