Trying to decide whether to invest with Stash vs. Robinhood? Both of these online brokerages make it easy for new investors to get started in the stock market with their easy-to-use apps. But that’s really where the similarities end.
Let’s take a closer look at what each of these popular investment apps offers, how much they cost, and who they’re best for.
Stash vs. Robinhood: The basics
Stash and Robinhood offer very different investment experiences. Stash is a subscription-based app that wants to help new investors grow their knowledge and their portfolio. In comparison, Robinhood is a commission-free trading app for hands-on investors interested in advanced features like cryptocurrency, options, and margin lending.
$0, or $5/month for Robinhood Gold
Individual brokerage accounts; Roth and traditional IRA; custodial
Individual brokerage account
Stocks and ETFs
Stocks, ETFs, Options, cryptocurrency
Phone and email
Email and social media
Stash is a micro-investing app that charges tiered, monthly subscription fees for its services. It’s a simple investment app that you can use to open a taxable brokerage account, retirement account, or custodial accounts.
Through Stash, investors can invest in micro (or fractional) shares of ETFs and stocks. The ETFs are all thematically branded, making it easier to find investments you might be interested in. And besides self-directed investments, you can also use Stash to build a portfolio for you based on your financial goals.
Stash also has a banking1 feature that comes with a Stash Stock-Back® Card, which you can earn pieces of stock in the companies you shop at2.
Overall, Stash is a straightforward investment app for new investors. It has some sweet tools to help you get the most of your experience, like a retirement calculator, educational content, and a dividend reinvestment program (DRIP).
Start investing with Stash
Paid non-client endorsement. See Apple App Store and Google Play reviews. View importantdisclosures.
Robinhood was one of the first online brokerages to offer commission-free trades on stocks, ETFs, options, and cryptocurrency. Many other brokerages have adopted its business model, but Robinhood was still one of the first.
Robinhood is known for its super clean and straightforward mobile trading app with customizable alerts and candlestick charting. And for a $5 monthly fee, Robinhood will give you Morningstar Research Reports and NASDAQ Level II Market Data.
Investors like Robinhood because it’s so simple. They only offer taxable brokerage accounts (no retirement accounts), but Robinhood dramatically cuts traditional investing costs. You can trade cryptocurrency and options, and access margin lending on Robinhood is another major draw for more experienced investors.
Invest with Robinhood
Stash vs. Robinhood: Fees
One of the most significant differences between Stash and Robinhood is the cost. Stash charges a flat monthly fee, while Robinhood is free for most investors. Let’s see the breakdown of their costs:
Stash app fees
Stash has two different monthly subscriptions:
- Growth: $3/month. This account includes a personal investment account, unlimited trades, an online banking account1that comes with the Stock-Back® card2, financial education, plus a tax-advantaged retirement account and a discretionary-managed account called a Smart Portfolio.
- Stash+: $9/month. Includes everything in Growth plus custodial accounts for up to two children. You’ll receive a monthly market insights report and a Stash debit card with 2x Stock-Back.4
Aside from the monthly subscription fee, Stash does not charge an annual or inactivity fee. However, there is a $75 outgoing transfer fee if you want to move your shares from Stash to another brokerage.
The average expense ratio on ETFs is about 0.25%, but there are no additional investment fees for stocks.
There are no Robinhood monthly fees, and no commission or annual fees. Most investors will get a lot out of the free version of Robinhood, but for more active investors, you can pay $5/month for Robinhood Gold. Gold comes with Morningstar and NASDAQ Level II market data, margin lending, and access to larger instant deposits.
There are other administrative and regulatory fees you’ll come across with Robinhood, and these are pretty standard across brokerage. Some of these fees include:
- Outgoing transfers from Robinhood to another brokerage: $75
- Paper statements: $5
- Paper confirms: $2
- Regulatory trading fees: $22.10 per $1,000,000 of principal
- Trading activity fees (TAF): $0.000119 per share (equity sells) and $0.002 per contract (options sells)
Robinhood also charges 5% yearly interest for margin lending after the first $1,000 of margin you use.
Stash vs. Robinhood: Top features
Both of these brokerage apps have a list of unique features, which highlight just how different these two apps are.
Stash’s standout features
Thematic and mission-driven investments
You can invest in stocks and ETFs with Stash, but Stash has renamed all of its ETFs so you can find them by theme. These are existing ETFs, just rebranded with new names, like:
- American Innovators (U.S. based tech companies) is the Stash name for Vanguard Information Technology ETF, ticker symbol VGT
- Clean & Green (companies with clean and renewable energy) is the Stash name for the iShares Global Clean Energy ETF, ticker symbol ICLN
- Women Who Lead (female focused companies, leadership and charitable work) is the Stash name for SPDR SSGA Gender Diversity Index ETF, ticker symbol SHE
- All That Glitters (precious metals) is the Stash name for Aberdeen Standard Physical Precious Metals Basket Shares ETF, ticker symbol GLTR
- Do the Right Thing (companies who focus on positive environmental, social, and/or governance impact) is the Stash name for iShares MSCI USA ESG Select Fund, ticker symbol SUSA
If you’re interested in socially responsible investing (SRI), Stash makes it easy to find companies that align with your social, environmental, and governance beliefs. It’s not a full-blown SRI strategy, but you can begin to curate a portfolio that aligns with your beliefs.
Read my full Stash investment app review here to learn more.
While you can select your investments with Stash, it also offers some features to automate the process for anyone who wants to make it easier. You can set up one-time or recurring investments for specific stock and ETFs.
Stash also offers round-ups, where you link a debit card to your account, and Stash rounds up your purchases to the next dollar amount. Once you hit $5 or more from your round-ups, Stash moves that money to your personal investment account balance for you to invest. You can also use Set Schedule to set up recurring weekly or monthly deposits into your investment account.
Stash’s dividend reinvestment program (DRIP) automatically reinvests dividends you earn on specific investments. You have to opt into the program, and if you don’t, your Stash dividends will go to your account for you to choose how they’re invested. Remember, not all stocks pay out dividends. And there's no guarantee any stock will pay dividends in a quarter or year. Dividends may be subject to additional taxes, and are considered taxable income. Please refer to the IRS for additional information.
This is a newer feature, and it means Stash has entered the realm of discretionary managed portfolios. Stash’s Smart Portfolios are available in the Stash Growth and Stash+ subscription plans. The portfolios are tailored to your risk assessment and automatically rebalanced on a quarterly basis if your portfolio drifts 5% or more to stay within your target asset allocation.
Self-directed investments for new investors
Stash wants to demystify the investing experience, starting with what exactly you’re investing in. Each of Stash’s more than 3,000 ETFs and stocks has a succinct description of the investment, how risky it is, ticker symbol, and price. ETF descriptions also include expense ratio and all of the investment’s holdings.
You can dig even deeper by clicking on a link to the investment’s website. And if there are any terms you don’t understand, Stash has question marks next to different terms to learn more. Stash also provides a diversification analysis feature on your account that can help you see how over or underweight in other asset classes you may be, and then Stash makes recommendations.
Retirement and custodial accounts
Stash offers traditional and Roth IRAs in the Growth account ($3/month) and custodial accounts for kids in the Stash+ account ($9/month). This is one area where Stash is dramatically different from Robinhood because Robinhood only offers individual brokerage accounts.
All Stash subscription plans are eligible for Stash online banking — an online debit account with no overdraft, minimum balance, or hidden fees. You can access over 19,000 fee-free ATMs with the Stash Stock-Back® Card.
The Stock-Back® Card rewards you in pieces of stock for shopping at certain retailers,2 which could be an alternative to earning rewards points or miles for travel.
Compared to Robinhood, Stash has much stronger customer service options. There’s in-app and email support, but users can also contact Stash via phone for help.
Robinhood’s standout features
Robinhood offers stocks, ETFs, options, and cryptocurrency trade, and all are commission-free. Crypto and options trades are a major draw for Robinhood, but overall, it’s still missing some of the investments you can find with a brokerage like Webull or TD Ameritrade.
Individual brokerage accounts
Robinhood only offers individual brokerage accounts, so it’s probably not going to be where you do all of your investing. You can use another brokerage for retirement savings, and many investors hold accounts with multiple brokerages.
For $5/month, you can upgrade to Robinhood Gold, which is a premium account option that comes with professional-level research through Morningstar and Level II Market Data. Gold lets you access larger instant deposits, and you can start margin lending.
Read more in my full Robinhood app review here.
Trading on margin
In simple terms, margin is a loan you take to invest, and it’s not something a brand new investor should try. But if you feel confident in your skills, Robinhood supports margin lending. You need to have at least $2,000 in your account and Robinhood Gold account. There are no fees on the first $1,000 of margin, but there’s a 2.5% yearly interest on margin beyond that.
Cash management account
Robinhood now offers an FDIC-insured high-yield savings account currently earning 0.30% APY. It’s free to open a cash management account through Robinhood, and there aren’t any overdraft, transfer, or ATM fees at over 75,000 ATMs nationwide.
The real benefit of this account is that uninvested cash can earn interest while you’re deciding when and where to invest.
Dividend reinvestment program
Like Stash, Robinhood offers a dividend reinvestment program (DRIP) on eligible, dividend-earning stocks and ETFs. Both investment apps can offer DRIP because they offer fractional shares. It’s a way to put smaller amounts of money to use, and you can diversify your portfolio faster that way.
Who is Stash best for?
Stash may be best for new investors who want some control over their investments and want to learn more about how the stock market works. Stash lets you self-direct investments, or you can invest with their Smart Portfolio feature. The app is very user-friendly and focuses on educating investors so they know exactly what’s going on in their portfolio.
Stash might not be best option for cost-conscious investors because of its monthly subscription fees. A fee of $3/month may not sound high, but it’s expensive when you compare that to other robo-advisors like Betterment or Wealthfront, which charge a percentage of assets under management.
Who is Robinhood best for?
Robinhood is best for active traders, or those who want to get more hands-on with their investment. The app is sleek and simple, and the trading platform isn’t as advanced as Webull, so it's more user-friendly when you’re first starting out. Plus, Robinhood has features you won’t find with Stash, namely crypto, options trading, and margin lending. I don’t recommend those for newbie investors, but Robinhood gives you that choice as you learn more.
Robinhood isn’t going to be an ideal brokerage if you want a retirement account or managed portfolio. It’s also taken some heat recently because of how it make money, and I encourage you to read about that here if you want to learn more.
Related: Leaving Robinhood? Here are 9 Robinhood Alternatives That are Better For Investors
Stash vs. Robinhood: The final word
It’s difficult to make an apples-to-apples comparison with Stash and Robinhood because they are so different. You really have to think about what you want in an investment app to decide which one is right for you.
Stash lets you self-direct investments in stocks and ETFs, and it now offers the option for discretionary managed portfolios, called Smart Portfolios, which is a great way to start investing. Stash wants new investors to learn about the process as they go, and it’s a solid choice if the monthly subscription fee doesn’t bother you. Stash also offers new users a $5 bonus after you deposit at least $5 into your Personal Portfolio when you sign up for a Stash account via this link.
Robinhood is for hands-on investors that want access to alternative investments like cryptocurrency, plus it does margin lending and options. Robinhood is free, but it lacks retirement accounts.
Take some time to consider what you want, but don’t waste too much time if you haven’t started investing yet. It’s one of the best ways to save for retirement and gain long-term wealth.
Paid non-client endorsement. See Apple App Store and Google Play reviews. View important disclosures.
Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. Investing involves risk and investments may lose value. Nothing in this material should be construed as an offer, recommendation, or solicitation to buy or sell any security.
1 Bank Account Services provided by and Stash Visa Debit Card (Stock-Back® Card) issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
2 All rewards earned through use of the Stash Visa Debit card (Stock-Back® Card) will be fulfilled by Stash Investments LLC. Rewards will go to your Stash personal investment account, which is not FDIC insured. You will bear the standard fees and expenses reflected in the pricing of the investments that you earn, plus fees for various ancillary services charged by Stash. Stash Stock-Back® Rewards is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates. What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P payment. If stock of the merchant is not available for a qualifying purchase, the security will be in shares of a predetermined ETF or from a list of predetermined publicly-traded companies available on the Stash Platform. See full terms and conditions. If publicly-traded stock of the merchant (or a subsidiary thereof, if applicable) is not available or otherwise capable of being fulfilled for any reason, the stock reward arising from a qualifying transaction will be in an ETF or a publicly traded company available on the Stash Platform. A user will receive shares of the ETF or publicly traded company that is designated as their Default Investment at the time the qualifying purchase posts to the user’s Stash Banking account.
3 Fractional shares start at $0.05 for investments that cost $1,000+ per share. Stash Subscription fee starts at $1/ month. You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash and the Custodian. Please see the Advisory Agreement for details. Other fees apply to the bank account. Please see the Deposit Account Agreement.
4 Double Stock-Back® Rewards is subject to terms and conditions.
Clients may incur ancillary fees charged by Stash and/or it’s custodian that are not included in the monthly subscription fee. Other fees apply to the bank account. Please see the Deposit Account Agreement for details. If applicable, your Stash banking account is a funding account for purposes of the Advisory Agreement. Your Stash subscription fee may be deducted from your Stash banking account balance.
“Retirement Portfolio” is an IRA (Traditional or Roth) and is a non-discretionary managed account. Stash does not monitor whether a customer is eligible for a particular type of IRA, or a tax deduction, or if a reduced contribution limit applies to a customer. These are based on a customer’s individual circumstances. You should consult with a tax advisor.
“Kids Portfolio” is a custodial UGMA / UTMA account. Money in a custodial account is the property of the minor. This type of account is a Non-Discretionary Managed account.
A “Personal Portfolio:” You can choose your own investments only in a “Personal Portfolio” which is a Non-Discretionary Managed account.
A “Smart Portfolio” is a Discretionary Managed account whereby Stash has full authority to manage. “Smart” is only available in Growth ($3) and/or premium ($9).
Stash through the “Diversification Analysis” feature does not rebalance portfolios or otherwise manage the Personal Portfolio Account for Clients on a discretionary basis. Each Client is solely responsible for implementing any such advice. This investment recommendation relies entirely on the responses you’ve provided regarding your risk tolerance. Stash does not verify the completeness or accuracy of such information. Investing involves risk, including possible loss of principal. No asset allocation is a guarantee against loss of principal.
Stash: 2022 Comparison. Robinhood offers free trading and appeals more to active investors, while Stash offers far more educational content and the option for a managed portfolio.Is there a better app than Stash? ›
Whether Stash or Acorns is better depends a lot on your personal needs and expectations. Both offer many similar features on a monthly subscription. If you're looking for a basic portfolio with some key features, including retirement accounts, at low cost, then Acorns might be a better pick.Is there a problem with Stash app? ›
Stash Status. No incidents reported today. No incidents reported.Can Stash be trusted? ›
Stash uses the latest security measures to protect its customers, including 256-bit encryption, biometric authentication and other cutting-edge technologies. Deposits to Stash bank accounts are FDIC insured up to the legal limits through a partnership with Green Dot Bank.What is the downside to Robinhood? ›
Robinhood's range of offerings is extremely limited in that it only offers stocks, ETFs, options, and cryptocurrency trading. Robinhood doesn't support mutual funds or fixed income products and you can't trade commodities, forex, or futures.Who is better than Robinhood? ›
|Brand||Best for||Minimum balance|
|TD Ameritrade||Intermediate-level traders||$0|
|Betterment||Hands-off investing||$10 minimum to start investing, $0 minimum balance requirement after that|
|Ally Invest||Self-directed investors||$0|
If you're looking for access to both a managed portfolio and an individual brokerage account where you can dabble in picking your own investments, Stash may be a good fit. Stash also provides access to fractional shares, allowing you to diversify with very little money.Which is the best platform for investment? ›
- Wealthfront – Best app for portfolio management.
- Fidelity Investments – Best app for managing money all-in-one.
- Robinhood – Best app for active trading.
- Charles Schwab – Best app for beginners.
- Ellevest – Best app for socially responsible investing.
Why does Stash charge a monthly fee? We're all about transparency. Unlike other investment apps, we don't have banking overdraft charges 2 or add-on transaction fees†—just a flat monthly subscription ($3 or $9 per month) for access to all your money needs.Why does Stash keep taking my money? ›
It sounds like you either have Auto-Stash or Smart-Save turned on. Auto-Stash is Stash's automatic investment tool. It runs on a set schedule, so head to the app and adjust the timing or turn off Auto-Stash if you'd like to stop automatic deposits/investments.
If you still have investments, you'll need to sell those before withdrawing your money. The money from the sale will be held for two business days (in accordance with SEC regulation) before you can move it to your bank account.Why can't I cash out on Stash? ›
You don't have enough money in your accounts.
You can only transfer your available balance in your Stash Bank account or your amount available to transfer in your Portfolio Cash. Here's how to find these amounts in the app: From the Home screen, tap Transfer on the bottom navigation bar.
Generally speaking, you're free to transfer or withdraw money out of Stash whenever you want. There are a few caveats, though: If you have investments, first you have to sell those and wait for the SEC-mandated holding period to be over.How do I cash out Stash? ›
- Log on stash.com.
- Select Home on navigation bar.
- Select Personal portfolio.
- Select Transfer.
- Select the account you wish to move money from and to.
- Enter the amount you wish to transfer.
- Click Confirm to move forward.
- Click Make Transfer to confirm the transaction.
Stash is best for beginners who want automatic investing options with freedom to choose investments. With fractional shares, subscribers can invest in thousands of securities at any dollar amount. Its fees start at $1, which may be higher than fees charged by other apps for small balances.Why you should leave Robinhood? ›
They don't offer any IRAs or tax-efficient accounts at all. They also don't offer bonds, which help diversify your portfolio and lower the risk. Basically, Robinhood is not a good platform to invest in long term goals — you can't shelter your investments against taxes and you can't diversify your portfolio.Why can't I withdraw my money from Robinhood? ›
You may not be able to withdraw money while your account is restricted. Robinhood sometimes restricts users' accounts. That can happen if the user has a negative balance, had a bank account transaction reversed, if the user is suspected of fraud, or for a few other reasons.Does it cost money to withdraw from Robinhood? ›
Keep in mind that while there is no fee for bank transfers, withdrawals using a debit card incur a 1.5% fee because they happen instantly (typically around 10 minutes but sometimes longer depending on your bank).Why do people prefer Robinhood? ›
Robinhood provides 100% commission-free stock, options, ETF and cryptocurrency trades, making it attractive to investors who trade frequently. Still, these days many big-name brokers also offer free trades, so it makes sense to compare other features when picking a broker.What do people use instead of Robinhood? ›
For overall similarity: Webull
Webull is easy to use, sleek on mobile and offers free trades on stocks, options, ETFs and cryptocurrency, much like Robinhood.
Robinhood is a popular robo-advisor with more than 15.9 million monthly active users (MAU) in March 2022. 1 It's considered a safe option for investors' securities and cash for various reasons.How much does Stash charge to withdraw? ›
Are there ATM fees for my Stash banking account? Stash has over 19,000 no-fee ATMs. ¹ Click here to find one near you. For out-of-network ATMs, there is a withdrawal fee of $2.50 and a $0.50 fee for balance inquiry.Does Stash pull your credit? ›
Stash does not perform traditional credit checks prior to or after account openings, but it does go through standard customer identification and verification procedures first. Stash offers a network of ATMs.What are the top 3 best investments? ›
- High-yield savings accounts. ...
- Short-term certificates of deposit. ...
- Short-term government bond funds. ...
- Series I bonds. ...
- Short-term corporate bond funds. ...
- S&P 500 index funds. ...
- Dividend stock funds. ...
- Value stock funds.
Here are the best low-risk investments in December 2022:
High-yield savings accounts. Series I savings bonds. Short-term certificates of deposit. Money market funds.
High-quality bonds and fixed indexed annuities are often considered the safest investments with the highest returns. However, there are many different types of bond funds and annuities, each with risks and rewards. For example, government bonds are generally more stable than corporate bonds based on past performance.Can I cancel Stash anytime? ›
You can close your subscription at any time in the app or online at Stash.com.How long does it take for Stash to pay out? ›
When you cash out all or part of your Stash, the transaction is sent to your bank immediately. However, the money may take up 7 working days (usually a lot quicker than that) to reflect in your bank account.What happens if Stash goes out of business? ›
Q. What happens to my account if Stash goes out of business? We have every intention of sticking around for the long term. However, if anything happens to Stash that required us to close up shop, you would maintain control of your account. No matter what, your investments are always yours.Is Acorn or Stash better? ›
In general, Stash is most likely to appeal to DIY, hands-on investors, while Acorns tends to be a better fit for investors who want to outsource management of their investments. But Stash also offers a managed portfolio.
Stash offers access to FDIC-insured banking accounts through Stride Bank N.A., member FDIC.Is Robinhood a good way to invest? ›
Stock trading costs: 5 out of 5 stars
Robinhood provides 100% commission-free stock, options, ETF and cryptocurrency trades, making it attractive to investors who trade frequently. Still, these days many big-name brokers also offer free trades, so it makes sense to compare other features when picking a broker.
Robinhood provides a bare-bones trading experience, making it a poor choice for investors seeking the best trading platform. Also, Robinhood's stock research tools are severely lacking when compared to $0 brokers such as TD Ameritrade, Charles Schwab, and Fidelity.Is Robinhood still trustworthy? ›
Yes, Robinhood is a safe stock broker that's regulated by the Securities and Exchange Commission (SEC) and follows the same regulatory requirements as other popular brokers.Which is better Robinhood or Coinbase? ›
On Coinbase, there are more than 170 tradable cryptocurrencies, and even more that can be added to price watch lists. And, Coinbase adds new tradable cryptocurrencies fairly often. Robinhood, on the other hand, currently lists 16 cryptocurrencies . Cryptocurrency selection winner: Coinbase.Is it hard to get your money out of Robinhood? ›
Withdrawing money from Robinhood on your phone is a very simple process. All you need is, of course, your smartphone, and the Robinhood app readily installed on your device. This process works whether you have an Android or iOS phone.How much does Robinhood take when you cash out? ›
Bank account: No fee for withdrawals. External debit card account: Withdrawals have a 1.5% fee based on the amount being transferred out. You'll see the calculated fee when you initiate the withdrawal, so you'll know the amount up front.Which is the best trading platform? ›
- Zerodha KITE trading platform.
- Upstox PRO trading platform.
- Angel Broking Speed PRO trading platform.
- ICICI Direct Trade Racer trading platform.
- 5Paisa Trader Terminal trading platform.
- FYERS ONE trading platform.
- Sharekhan TradeTiger trading platform.
Investing with a Robinhood brokerage account is commission-free. We don't charge you fees to open your account, to maintain your account, or to transfer funds to your account. However, self-regulatory organizations (SROs) such as the Financial Industry Regulatory Authority (FINRA) charge us a small fee for sell orders.Is Fidelity better than Robinhood? ›
Although Robinhood is typically thought of as a beginner-friendly investing app, Fidelity has repeatedly earned title of Best Broker for Beginning Investors and the Best App for Investing in NerdWallet's Best-Of Awards.
The account offers a competitive 1.50% APY variable high-yield interest rate. Interest on the account is paid monthly. While it's not the highest rate around, it's enough to rival some of the best online savings accounts. Robinhood keeps fees low on its cash management account.Is Robinhood good for beginners? ›
Investing through Robinhood is as easy as opening an account. All you need is to be 18 years or older, have a valid Social Security number, and a U.S. address. If you're new to investing, start with a small amount of money you're OK with losing, and stick to stocks and ETFs.Do I own my stocks on Robinhood? ›
Debunking misinformation: Yes, you own the shares you buy through Robinhood.What is the safest stock on Robinhood? ›
The very first recommendation was, unsurprisingly, VTI. There's no such thing as a risk-free, 100% safe investment. However, among the 100 most popular on Robinhood, you won't find an alternative that's safer than VTI.Can I withdraw crypto from Robinhood? ›
Crypto bought on Robinhood using Instant cannot be withdrawn until those transactions settle, which can take approximately up to 5 business days. Transfer fees: Every on-chain crypto transaction incurs a network fee— sometimes called a miner fee or gas fee.Who is better than Coinbase? ›
|Name of exchange||Why Better than Coinbase||Our Rating|
|Pionex||Low risk investment strategy.||5/5|
|Bitstamp||Cheaper (between 0.05% to 0.0% fees) trading than Coinbase. Almost same as Coinbase Pro.||5/5|
|Crypto.com||Crypto.com Visa card – 4 tiers. Higher crypto staking yields.||4.5/5|