Stash by Liberty APK Download: A Review of the Investment App
If you are looking for a simple and easy way to start investing in South Africa, you may have heard of Stash by Liberty. This is an investment app that helps you save small amounts of money every day into a tax-free investment account. But what exactly is Stash by Liberty, how does it work, and what are its pros and cons? In this article, we will review the app and show you how to download and install it on your Android device.
What is Stash by Liberty?
A tax-free investment app for South Africans
Stash by Liberty is an app that helps you invest in your future, tax free, by saving small amounts of money every day via an app. You can stash automatically from a connected bank card from as little as R5 per day, or simply stash at any time with a press of a button. You can choose to invest your money into either an SA Top 40 Shares portfolio, or a Cash+ portfolio, or into both, depending on your needs and investment goals. As these portfolios grow in value, so does your stash.
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How does it work?
Stash every day, when it's sunny, or when you sweat
Stash gives you full control over when and how much you invest. You can use the app to set up automatic stashing from your bank card every day, or whenever you want. You can also link your Stash app to a fitness app on your phone and stash based on how many steps you take, calories you burn, or meters you walk. You can also stash based on the weather in your city, and stash more when it's sunny and less when it's cloudy. This way, you can make saving fun and rewarding.
Choose between SA Top 40 Shares or Cash+ portfolios
Stash lets you choose between two types of portfolios to invest your money in. The SA Top 40 Shares portfolio invests your money into the 40 largest companies listed on the Johannesburg Stock Exchange (JSE), such as Naspers, MTN, Sasol, and Standard Bank. This portfolio gives you exposure to the South African economy and its growth potential. The Cash+ portfolio invests your money into a mix of cash and bonds, which are low-risk and stable investments that provide a steady return. This portfolio is suitable for short-term goals or as a safety net. You can also invest in both portfolios at the same time, and adjust the allocation between them as you wish.
Access your money anytime from the app
Stash gives you full access to your money at any time, without any penalties or fees. You can withdraw your money from the app within 24 hours, or even faster if you use Instant EFT. You can also top up your stash with extra money whenever you have some spare cash. You can view your stash balance, performance, and transactions from the app anytime, anywhere. You can also set up goals and track your progress towards them from the app.
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What are the features and benefits of Stash by Liberty?
No forms, no fees, no minimum balance
Stash is designed to make investing easy and accessible for everyone. You don't need to fill out any forms, pay any fees, or maintain any minimum balance to use the app. You only need a South African ID number and a bank card to start stashing. Stash also does not charge any management fees, transaction fees, or withdrawal fees. The only cost you pay is the underlying fund fee, which is 0.4% per year for the SA Top 40 Shares portfolio and 0.25% per year for the Cash+ portfolio.
Flexible and convenient investing options
Stash gives you the freedom and flexibility to invest according to your preferences and circumstances. You can stash as little or as much as you want, as often or as seldom as you want, and into whichever portfolio or portfolios you want. You can also change your stashing settings anytime from the app. You can stash automatically from your bank card every day, or whenever you want. You can also stash based on the weather in your city, or based on your physical activity. You can also stash manually with a press of a button.
Backed by Liberty Group Limited
Stash is backed by Liberty Group Limited, one of the largest and most trusted financial services companies in South Africa. Liberty Group Limited is part of the Standard Bank Group, and has been in operation since 1957. Liberty Group Limited provides life insurance, investment, and retirement solutions to millions of customers across Africa. Stash is a product of Liberty Group Limited's innovation arm, Liberty Blue Skies Ventures (Pty) Ltd.
What are the drawbacks and limitations of Stash by Liberty?
The bank account does not earn interest
Stash requires you to link a bank card to the app in order to stash money from it. However, the bank account that is linked to the app does not earn any interest on the money that is stashed from it. This means that you are losing out on some potential returns while your money is waiting to be invested into the portfolios. If you have a high-interest savings account or a fixed deposit account, you may want to consider stashing from those accounts instead.
The app is only available for Android devices
Stash is currently only available for Android devices running version 5.0 or higher. This means that if you have an iOS device, such as an iPhone or an iPad, you will not be able to use the app. Stash has stated that they are working on developing an iOS version of the app, but there is no confirmed date for its release yet.
The app may not suit advanced or sophisticated investors
Stash is designed to be a simple and easy way to start investing in South Africa, especially for beginners or casual investors who want to save small amounts of money every day into a tax-free investment account. However, if you are an advanced or sophisticated investor who wants more control over your investments, such as choosing specific stocks or funds, diversifying across different asset classes or markets, adjusting your risk level or asset allocation, or using leverage or derivatives, then Stash may not be suitable for you. Stash only offers two types of portfolios to invest your money in, and does not allow you to customize or modify them. Stash also does not provide any financial advice or guidance on how to invest your money, or how to achieve your financial goals. You may want to consider other investment platforms or services that offer more features and options for advanced or sophisticated investors.
How to download and install Stash by Liberty APK?
Step 1: Go to the official website or Google Play Store
To download and install Stash by Liberty APK, you can either go to the official website of Stash at or go to the Google Play Store and search for "Stash by Liberty". You will see the app icon with a green background and a white S logo. Make sure you download the app from a trusted and verified source, and avoid any third-party or unofficial websites that may offer fake or malicious versions of the app.
Step 2: Click on the download button and accept the permissions
Once you have found the app on the website or the Google Play Store, click on the download button and wait for the app to be downloaded to your device. You may need to accept some permissions for the app to access your device's features, such as your camera, microphone, location, contacts, storage, and biometrics. These permissions are necessary for the app to function properly and securely, and you can review them before granting them.
Step 3: Open the app and register with your SA ID number and bank card
After the app has been downloaded and installed on your device, open it and follow the instructions on the screen to register and set up your account. You will need to enter your South African ID number and scan your bank card with your device's camera. The app will verify your identity and bank card details, and create your Stash account. You will also need to create a PIN code or use your fingerprint or face recognition to secure your account. You can then start stashing money into your tax-free investment account.
How secure is Stash by Liberty?
The app uses bank-level encryption and biometric authentication
Stash takes security very seriously and uses bank-level encryption and biometric authentication to protect your money and data. The app encrypts all your information with 256-bit SSL encryption, which is the same level of security used by banks and other financial institutions. The app also uses biometric authentication, such as your fingerprint or face recognition, to verify your identity and prevent unauthorized access to your account. You can also set up a PIN code as an alternative way of logging in.
The app does not store your bank card details or personal data
Stash does not store any of your bank card details or personal data on your device or on their servers. The app only uses your bank card details to link it to your Stash account, and then deletes them after verification. The app also does not store any of your personal data, such as your name, address, phone number, or email address. The app only uses your South African ID number to verify your identity and eligibility for tax-free investing, and then encrypts it with a unique key.
The app is regulated by the Financial Sector Conduct Authority (FSCA)
Stash is regulated by the Financial Sector Conduct Authority (FSCA), which is the government agency that oversees the conduct of financial service providers in South Africa. The FSCA ensures that Stash complies with all the relevant laws and regulations, such as the Financial Advisory and Intermediary Services Act (FAIS), the Financial Intelligence Centre Act (FICA), and the Protection of Personal Information Act (POPIA). The FSCA also monitors Stash's performance and conduct, and protects consumers' rights and interests.
What are some alternatives to Stash by Liberty?
Other investment apps for South Africans, such as EasyEquities, Sygnia or OUTvest
If you are looking for other investment apps that are available in South Africa, you may want to check out EasyEquities, Sygnia or OUTvest. These are some of the most popular and reputable investment apps that offer a range of features and options for investors of different levels and goals. EasyEquities allows you to buy fractional shares of local and international companies, ETFs, unit trusts, and cryptocurrencies with low fees and no minimums. Sygnia allows you to invest in low-cost index funds that track various markets and sectors, such as the S&P 500, the FTSE 100, or the MSCI World. OUTvest allows you to create a personalized investment plan with a robo-advisor that recommends the best funds and portfolios for your goals and risk appetite.
Other robo-advisors or online brokers, such as Wealthfront, Betterment or Robinhood
If you are looking for other robo-advisors or online brokers that are available internationally, you may want to check out Wealthfront, Betterment or Robinhood. These are some of the most popular and reputable platforms that offer a range of features and options for investors of different levels and goals. Wealthfront and Betterment are robo-advisors that create and manage diversified portfolios of ETFs for you based on your goals, risk tolerance, and time horizon. They also offer other services, such as tax-loss harvesting, automatic rebalancing, and financial planning. Robinhood is an online broker that allows you to buy and sell stocks, ETFs, options, and cryptocurrencies with zero commissions and no minimums. They also offer other features, such as fractional shares, margin trading, and cash management.
Other online savings accounts, such as TymeBank, Capitec or Discovery Bank
If you are looking for other online savings accounts that are available in South Africa, you may want to check out TymeBank, Capitec or Discovery Bank. These are some of the most popular and reputable online banks that offer high-interest savings accounts with low fees and no minimums. TymeBank offers a GoalSave account that pays up to 10% interest per year depending on how long you save. Capitec offers a Global One account that pays up to 9.25% interest per year depending on your balance. Discovery Bank offers a Savings Account that pays up to 6.5% interest per year depending on your Vitality Money status.
Conclusion
Stash by Liberty is a simple and accessible way to start investing in South Africa
Stash by Liberty is an investment app that helps you save small amounts of money every day into a tax-free investment account. You can stash automatically from your bank card every day, or whenever you want. You can also stash based on the weather in your city, or based on your physical activity. You can choose to invest your money into either an SA Top 40 Shares portfolio, or a Cash+ portfolio, or into both, depending on your needs and investment goals.
The app offers tax-free investing, flexible options and no fees
Stash is designed to make investing easy and accessible for everyone. You don't need to fill out any forms, pay any fees, or maintain any minimum balance to use the app. You only need a South African ID number and a bank card to start stashing. Stash also does not charge any management fees, transaction fees, or withdrawal fees. The only cost you pay is the underlying fund fee, which is 0.4% per year for the SA Top 40 Shares portfolio and 0.25% per year for the Cash+ portfolio.
The app may not suit everyone's needs, preferences or goals
Stash is designed to be a simple and easy way to start investing in South Africa, especially for beginners or casual investors who want to save small amounts of money every day into a tax-free investment account. However, if you are an advanced or sophisticated investor who wants more control over your investments, such as choosing specific stocks or funds, diversifying across different asset classes or markets, adjusting your risk level or asset allocation, or using leverage or derivatives, then Stash may not be suitable for you. Stash only offers two types of portfolios to invest your money in, and does not allow you to customize or modify them. Stash also does not provide any financial advice or guidance on how to invest your money, or how to achieve your financial goals. You may want to consider other investment platforms or services that offer more features and options for advanced or sophisticated investors.
FAQs
Here are some of the most frequently asked questions about Stash by Liberty:
Question
Answer
Q1. How much can I invest with Stash by Liberty?
A1. You can invest as little or as much as you want with Stash by Liberty, as there is no minimum or maximum amount to stash. However, you should be aware that there is a limit of R36,000 per year and R500,000 in total that you can invest tax free in South Africa, according to the Taxation Laws Amendment Act of 2015. If you exceed these limits, you will have to pay tax on the excess amount.
Q2. How much can I earn with Stash by Liberty?
A2. The amount of money you can earn with Stash by Liberty depends on several factors, such as how much you stash, how often you stash, which portfolio or portfolios you choose, how the market performs, and how long you stay invested. Stash does not guarantee any returns or profits, as investing involves risks and uncertainties. However, you can use the app to view your stash balance, performance, and transactions at any time, and see how your money is growing over time.
Q3. How can I contact Stash by Liberty customer support?
A3. If you have any questions, queries, complaints, or feedback about Stash by Liberty, you can contact their customer support team via email at hello@stash.co.za, or via phone at 0860 456 789. You can also visit their website at and use the live chat feature to chat with a representative online.
Q4. Is Stash by Liberty compatible with iOS devices?
A4. No, Stash by Liberty is currently only compatible with Android devices running version 5.0 or higher. However, Stash has stated that they are working on developing an iOS version of the app, but there is no confirmed date for its release yet.
Q5. Can I open a Stash account for my children?
A5. Yes, you can open a Stash account for your children under the age of 18, as long as you are their legal guardian and have their consent. You will need to provide their South African ID number and bank card details, as well as your own ID number and bank card details. You will also need to verify your identity and relationship with them via the app. You can then manage their stash account on their behalf, and help them save for their future.
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