Stash is a well-made, well-designed app that fills a particular niche — it’s good for people who don’t just want to invest, but want to invest in something they believe in — people who believe their portfolio should be an extension of who they are and what they value, and are willing to pay a slight premium for that.
Stash’s closest competitor is Acorns. While Stash focuses on a “curated” investment portfolio, Acorns is all about low-cost passive investing in ETFs and using spare change from debit card purchases to build wealth. Unlike Betterment, Wealthfront, and many of the rest, neither Stash nor Acorns offers retirement planning.
Stash has certainly carved out a niche for itself in the crowded world of fintech. Whether that niche is right for you, however, depends on what you’re looking for.
Stash’s design is its strongest feature
Stash sets itself apart with an easy and intuitive design that displays necessary information in a way that makes sense.
(I will say that, while I enjoy their app, I am frustrated by the lack of a web option. I’m an old millennial who has a desk job, and there’s something I just find constraining about a mobile app.)
Its sign-up process is seamless — so seamless, in fact, that I barely remember it. You enter all the normal information, deposit money from your bank, and answer a few questions to determine your risk tolerance and the appropriate portfolio. Stash encourages you to set up regular deposits, and you’ll be prompted to do so pretty much every time you log in.
Stash gives you more choice than any other investing app
Most of the other robo-advisors pick your investments for you — they take your age, risk profile, and investment goals into account and spit out a mix of low-cost securities, mostly ETFs. Stash takes these things into account, but also leaves a lot up to you.
Stash organizes its 30 offerings under headers like:
I Believe: Includes things like clean energy, socially responsible companies, and companies that support LGBT rights.
I Want: Where you can choose from various goals, like an aggressive, moderate, or conservative mix, or stocks that pay regular dividends.
I Like: Where the retail, tech, and social media stocks live.
By clicking on one of them, you’ll be taken to a screen that shows you the risk level of this particular fund, the companies whose stock make it up, the underlying security (usually an ETF), and its ticker symbol. Below that, it displays the fund’s most recent share price, its dividend yield, and, oh so importantly, its expense ratio. There’s also a link to the fund’s website.
The Stash funds vary from very good and cheap to….less so
When I dropped my initial $5 into my Stash account, I put it into their Aggressive Mix because a) I’m a real go-getter and b) I was overwhelmed by my options. Once I took a closer look, however, I noticed the difference in cost between the different funds was significant.
Expense ratios are an easy measure of just how much it costs to own a given mutual fund or ETF. Some of Stash’s funds, like Delicious Dividends (which appeals to the alliteration-loving elderly pensioner in me), have very low ones — 0.07 percent! Others, like the more niche-focused Retail Therapy or Social Media Mania, are considerably higher, at 0.35 percent and 0.65 percent, respectively.
Stash can be more expensive than other apps
Stash’s fee structure is basically identical to Acorns, and similar to Wealthfront and Betterment’s: What you pay is determined by how much money you have “under management.”
For Wealthfront, you get the first $10,000 free, then it costs 0.25 percent, then 0.15 percent once you hit $100,000.
Betterment charges .25 percent for all accounts up to $2 million. Fees are then capped at $5,000 annually for balances over $2 million.
Stash gives you a free month, then charges you $1 a month until you hit $5,000, after which they charge you 0.25 percent per year of all assets under management (and .25 percent of $5,000 is $12.50).
Stash also only has a minimum of $5 to open an account. (For the time being, Stash is also offering Money Under 30 readers $5 to invest just for signing up.)
These fees aren’t terrible, but they also aren’t amazing. And they don’t take into account the underlying costs of the fund themselves, many of which are much more expensive than the offerings at Betterment, Wealthfront, or Acorns.
Investing in your interests could cost you a pretty penny
Let’s say you really love social media, so you put $5,000 in the Social Media Mania fund. You’ll be paying that (pretty hefty) 0.65 expense ratio in addition to the 0.25 percent you’ll be paying to Stash. That brings your total fees to 0.90, which is really close to the dreaded one percent max most fiduciaries warn you about.
Staffar said that members of his staff strictly code more than six years to provide this software to the public. Stash Node Pro is a "powerful turnkey transaction server and a mobile financial platform built on Open-Transactions and a block chain," says CEO Cliff Baltzley. The startup believes that consumers are looking for a ready-made device, available from mobile wallets. With the help of Stash Node Pro developers say that "among other things, this is a bank in a box; your own personal bank. "
Currently there is no node on the market with the integration of Open-Transaction software. The team believes that these functions add significant value to the Stash node, along with the user-friendly interface of the mobile wallet. The Stash mobile wallet also uses BIP47 payment codes and allows "two-way Bitcoin addresses with interchangeability and full privacy on the network." The founders of Stash believe that the public has long wanted a platform with a wide range of.
cryptographicprocedures, General Director Stash Cliff Baltzley explained:
Bitcoin-professionals and enthusiasts are looking for a way to access a complete set of software for financial and cryptographic processing, and Steysh responded to this demand by creating an autonomous hardware device that meets a variety of needs.
"Soon there will be revolutionary functions"
Details that they are developing "revolutionary features" with architecture based on freedom and prosperity. In the future, the team plans to implement more protocols of financial infrastructure Stash. Innovations that will soon appear include simple mix of coins, technology with several signatures, applications for cold storage, integration with SMS, multicurrency support, payments via SMS text messages and much more.
Startash hopes that this product and its upcoming innovations will help spread "true financial autonomy". The company will accept a limited number of pre-orders for the publication of the founder of Stash Node Pro. Pre-orders are currently available for purchase only with Bitcoin, and FedEx free shipping is included. The start says that he has quite a few devices in the warehouse and will start sending orders on November 18. Stash looks forward to providing the site with the basics of confidentiality and believes that consumers will also be.
In order for the digital currency to operate, a full node is required. This node operates on a P2P network, and sends updates to colleagues after the events that occur on the network. However, to be effective, the knot requires a high volume of traffic, as well as support from additional sources, resulting in significant cost. This can cause a full drop of nodes, as seen in the Bitcoin network.
Stash combats this through a network level 2 layer that serves as a kind of safety net, which ensures high performance for longer. This is a highly available incentivized node network node and must provide certain service standards if eligible for the Incident Imaging Incident Program.
Network Systems STASH
The Incentivizednode Reward Program works to provide incentives on the network, growing the number of full nodes that operate at a time. Without such a program, the network operator must
paying full node fees due to increased traffic on the network, which can not be maintained.
It is important for system security that is not owned by a single person or entity for control Of the entire Incentivizednodes network. To achieve this, the guarantee system has been implemented. Implemented, whereby anyone who wants to control Active Incentivizednode should place 10,000 Stash as a deposit. To gain control over the significant parts of Incentivizednodes in the network, individuals need to purchase a large number of Stash units from the open market,
randomly selected to perform the same task simultaneously.
Incentivizednode Network using Quorom; Two quorums are selected for each block, and Quorum A assesses the service level of Quorum B. The quorum A consists of the node closest to the hash of the current block. Quorum B, on the other hand, consists of the furthest vertex of this hash. In this way the system is guarded without trust by selecting nodes randomly through a quorum system that creates the network access itself.
In order for the access crypto network to work properly, there must be an existing structure; Transactions must undergo certain evidence before it can be verified.
Stash will use a form of zero proof knowledge known as zk-SNARKs. When each transaction is validated, there is also a zk-SNARK which can be used to indicate that Stash coins are present and not yet exhausted, the sender has the authority to send Stash coins, the amount of Stash coins sent is equal to the amount of deposits earned
During this process, the information required to spend Stash coins is attached to a transaction by creating a new and encrypted zk-SNARK using the recipient's public key that can only be used by the recipient of the transaction.
Road Map
ZSL Integration & Stash Wallet Q2, 2018
Stash will use people's sales results to help integrate ZSL, a zero-knowledge security layer designed for incomplete transactions anonymously and safely on blockchain while at the same time. home custody, destination and personal payments. Stash will also develop a GUI wallet to store Stash cryptocurrency. Cryptocurrency Stash Q2 2018 Launch Once the ZSL owner, an integrated Stash Token (STT) can use their Tokens to purchase, on a 1 to 1 basis basis.
Mining Supply
Stash implements a direct connection between the supply for each block and the number of active miners in the network. If the number of miners decreases, the remuneration received from each approved block increases accordingly and manifestly. Continuous cryptocurrency production is expected to continue until around the middle of the next century, where bonus blocks will be close to zero and miners and Incentivizednodes will receive incentives from transaction costs.
Supply Token
Stash Token and Stash Cryptocurrency Supply
500 million Token Stash will be allocated in Token Sale. The sales proceeds will be used to coat the cryptography of zero knowledge into Cryptocurrency Stash and create a Stash Wallet. Once this privacy feature is complete, Token Stash owners will be able to use it to purchase one base for Stash Cryptocurrency. Maximum 997.8million Stash Cryptocurrency will be created including Stash Cryptocurrency which will be purchased with Stash Tokens and Stash Cryptocurrency which will be produced from the mine for about 100 years.
Preliminary Sale Bonus
all participants first 24 hours 40%
all participants week 1 30%
all participants week 2 25%
Pre-sale in weeks 2
Pre-sale bonus of $ 20 - $ 1k 11%
pre-sale bonus of $ 1k - 5k $ 15%
pre-sale bonus of $ 5k - $ 10k 18%
pre-sale bonus of $ 10 thousand - $ 50 thousand 20%
pre-sale bonus of $ 50k - $ 100k 25%
pre-sale bonus> 100k $ 30%
Marker Bonus Sales
First day marker sale 10%
after 1 day 9%
after the first 8 days 5%
after the first 14 days 0%
Legal consequences of launching a token
Tokens are not securities. To save tokens do not return. Tokens are not for speculative investments. All the nests of documentation, projects and sources in the research, development and conceptual stage can change. No promises of future effectiveness or value, or will be made with regard to saving money or tokens to the Crypto currency, including I do not promise self-worth, there is no promised continuation of payments, and there is no guarantee that it will occupy any special value to save tokens or to accumulate Crypto currency. To save the tokens and save the Crypto currency is not participating in the company and saving the tokens and saving the Crypto currency with any rights in the specified company. Sticking tokens are sold as a functional good and all income received by the company can be freely spent at the company, there are no conditions. To accumulate tokens and to accumulate Crypto currency is intended for specialists dealing with cryptographic tokens and block systems of software systems.
Pay with any seller who accepts traditional debit and credit cards
Role of the marker
Zanachku markers (CTT) based on the blockbuster Efiriuma. Owners to save Tokens will be able to use them to buy a Crypto currency for 1 by 1 based on the stash of blockage as soon as the layer with zero level of knowledge has been integrated. Participants of the stash Crypto currency will be able to execute Incentivizednodes and in return they will pay a deposit of Crypto currency.
Symbol-CTT
The cost of one token in $ USD $ 0.10 based on the closing hourly prices of exchange rates published on cryptocompare.com when our deposit address receives your compensation
Common stash marker (CTT) Supply of 500,000,000
Markers for sale 0-360,000,000
Markers stash team 125,000,000 (6 months in prison)
Markers for consultants & Bounties 15,000,000 markers to hide Laboratories Pty LtdIf any
Tokens are not sold, they will be sent to the storage repository (6 month lock)
Accumulate Tokens (CTT) on the platform of the Efirium Blockade
The total currency of the Crypto currency is more than 100 years, a maximum of 997.8 thousand, after 100 years of production, includes a 500 m marker sale
Zarachku rate Crypto currency of emissions 7.1% per annum
Preliminary Sale Date 24/09/17 23:00 UTC to 09/11/17 10:00 GMT
Period of sale of the marker is 12/11/17 01:00 UTC on 12/12/17 10:00 GMT
Accepted Crypto currency is Bitcoin (BTC), Bitcoin Nalichka (MPB), hyphen (dash), dogecoin (Doge), ethereum network (Eth), in Ethereum classical (etc.), Lightcoin (ltc in), pulsations (communities) , waves (waves), ZCash (ZKE).
Accepted by the Etherium markers are Aragon (ANT), Augur (rap), Bancor (BNT), main focus (baht), Blockage capital (VSARBYL), DigixDAO (DGU), Civic (IVC), first blood (1st), Gnosis ( GNO), Golem (GNT), HumanIQ (queen), Iconomi (MSK), iExec RLC, Matchpool, Melonport (million), smartphones (IHO), TenX (paid), SingularDTV (SNGLS), Roy city (CBT), Tokencard (TCN), WeTrust (TRIEST), and wings (wings)
Token Date distribution of stash markers (CTT) will be distributed based on the sale of the marker
Security tools will be stored in Multisig wallets and refrigerators
Minimum Target-No
Maximum Capitalization $ 36,000,000
information:
Website: https://stashpay.io
Facebook: https://www.facebook.com/stashpay.io
Twitter: https://twitter.com/stashpay
Oleh: Culun86 : https://bitcointalk.org/index.php?action=profile;u=1096996
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