Current Wealthfront, Acorns, Betterment, and Stash Invest margin interest rates on brokerage trading account for loaned funds.

Wealthfront, Acorns, Betterment, and Stash Invest Margin Rates

Unfortunately, Acorns, Betterment, Stash, and Wealthfront do not offer margin accounts. As an alternative, you can use $0 commission brokers M1 Finance and Webull:

WeBulls Margin Rates

Debit Balance Margin Rate
under $25,000 6.99%
$25,000.01 - $100,000 6.49%
$100,000.01 - $250,000 5.99%
$250,000.01 - $500,000 5.49%
$500,000.01 - 1,000,000 4.99%
1,000,000.01 - 3,000,000 4.49%
>3,000,000.00 3.99%

Read WeBull brokerage review.


Grab your last chance to get 2 free stocks up to $1,400 + acat refund.

Open WeBull Account

M1 Finance Margin Rates

Debit Balance Margin Interest Rates
$0,01 - $24,999 3.50%
$25,000 - $49,999 3.50%
$50,000 - $99,999 3.50%
$100,000 - $249,999 3.50%
$250,000 - $499,999 3.50%
$500,000 - $999,999 3.50%
$1,000,000 + 3.50%

Read M1 Finance brokerage review.

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Get up to $2,500 when you transfer account with $20K+.

Open M1 Finance Account

Opening Stash Invest Account

Setting up an account with Stash is fast and easy. New registrants are asked for their personal details and bank account information. After linking to their bank, users have to wait between one and three business days for confirmation, which involves logging into their bank, noting the small deposits, and reporting the deposit amounts with Stash. 

Once a bank account is linked, it cannot be changed until 2 months after the first deposit has been made. Switching bank accounts cannot be done in app. Users have to email Stash support. This is important to note because Stash will charge the user’s bank account in the event that a scheduled transaction, including the service fee, is denied. 

Stash also requires proof of identity. All brokerage accounts open exclusively to US residents require this proof of identity and it can be provided using a social security number, passport or driver’s license. The process is straightforward. But, it is important to have some form of official ID on hand during the set-up process. A driver’s license or state issued ID’s seem to work best, but use what you have.

It is also worth noting that users also have to set up an initial deposit at a minimum of $5. This generates the $5 incentive from Stash.

After that, Stashers add lump sums to their accounts either as a one-off deposit or through the creation of an auto-deposit called auto-stash. The auto-stash works on a schedule that withdraws money from the linked bank account at a regular interval from weekly to monthly.

Depositing is simple. Users can reach the deposit section from the home page, or they can navigate to the deposit function from their account page. 

Stash Portfolio

Stash Investment Options

Users can learn more about the individual ETF or stock by tapping it. Stash provides an assessed risk level, the top stocks, and the manager of the firm. 

For example, the American Innovators option is made up of software, hardware, electronics, and IT firms – the Silicon Valley powerhouses. Stash includes Apple, Microsoft, Facebook, Intel, IBM, Alphabet, Cisco, Oracle, and Visa in this group. It also notes that the underlying security is managed by Vanguard. 

Users can also see a brief overview of the performance of this ETF, noting the last price, one-day changes, and year-to-date changes. It also gives the current dividend and management fee.

Some options include a link to the ETF’s website. 

Stash also makes choosing portfolio options social. Users who have friends connected on Stash can see if anyone they know has chosen the option. It is also possible to see what percentage of Stash users include the option in their own portfolios. 


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