Boost your retirement savings

When you open an IRA, you’re taking the first step in working toward your retirement. Investing in an IRA means more of your money is working harder for you with either tax-free or tax-deferred possible growth.

Here's more about why you should consider opening a traditional, SEP or Roth IRA:

  • The type of IRA you choose to open depends on your retirement goals and when you prefer to pay taxes on the accumulated funds.

  • With a traditional or SEP IRA, you may qualify for annual tax deductions now, but you'll pay taxes when you withdraw money in retirement. With a Roth IRA, you pay taxes now, but you won't pay taxes when you withdraw the money. This means your investments grow tax-free.

  • An IRA is a great choice and can often provide you with more flexibility and a larger number of investment options than a 401(k). Learn more about the benefits of an IRA vs. 401k and how having both could lead to more money for your future.

  • Your IRA takes advantage of compounding growth, meaning you have the opportunity to earn money on the previously gained growth of your portfolio.

Your future starts now

Whether you’re just starting to plan for your retirement or well on your way, opening an IRA with Automated Investor is a smart way to invest in yourself.

Easily get started in minutes with just $1,000. Based on your selections, Automated Investor will match you with a portfolio designed with your retirement goals in mind. It then uses smart technology and industry insights to manage your investments for you and help keep you on track. These benefits plus low annual fees of just 0.24%, billed quarterly,1 mean that your money is working harder for you toward the future you envision.

Automated Investor is currently exclusively for customers of U.S. Bancorp Investments and its affiliate U.S. Bank. Not a customer yet? We can help you get started. Just call 866-758-8655.

Start investing Explore other options
View transcript

Why choose an IRA managed by Automated Investor

An easy way to invest.

You tell us your retirement goal and time frame and in minutes we’ll match you with an Automated Investor IRA portfolio that’s been specifically designed by our experts to work toward your goal. Your portfolio is then monitored and adjustments are made when needed to help keep you on track.

Start investing with $1,000.

With a low minimum investment, you can get started working toward retirement as soon as you are ready. All you need is $1,000 and just a few minutes to open an account, and you’ll be ready to start building your retirement wealth today.

Pay low account fees.

Your money is invested in low-fee exchange-traded funds (ETFs).2 Annual fees are 0.24% of invested assets, billed quarterly. That means for every $1,000 invested, you will pay only $0.60 every three months (based on a rate of $0.20 per month).

Human support is just a phone call away

Though Automated Investor uses smart investing technology to manage your portfolio, you’re not on your investing journey alone. A highly skilled financial professional is available to talk with you when you need the live support that only another person can provide.

Get your questions answered and gain confidence in knowing how your investments are being handled. Call 866-758-8655 to speak with a member of our investment advisory team.

Get more information about IRAs

How does an IRA work?

Learn how IRAs work, including IRA tax advantages and other IRA benefits, and understand the difference between an IRA and 401(k), with our at-a-glance guide to individual retirement accounts.

Find out more

IRA vs. 401(k): What's the difference?

The three most common types of retirement investment accounts are a 401(k), traditional IRA and Roth IRA.

Learn more

Types of IRA accounts

An individual retirement account (IRA) can be a key element of a retirement plan, but the first step is to determine which type or types of IRA accounts fit your situation.

Read the article

FAQs about IRAs

You contribute taxable income into a Roth IRA, and any investment growth accumulates tax-free and is not taxed upon withdrawal. In comparison, any income your Traditional IRA investments earn will not be taxed until you start taking distributions. Learn more about types of IRAs.

Only U.S. Bancorp Investments customers or customers with an account with our affiliate U.S. Bank who have a customer login can apply to Automated Investor online. We can help you get started quickly with a customer login – just call 866-897-3929.

Your Automated Investor IRA will be invested in a mix of ETFs. The ETFs cover a broad range of asset classes, giving you a diversified portfolio to help you reach your retirement goals. The funds chosen for your portfolio are hand-selected by the Asset Management Group, a team of specialists from our affiliate U.S. Bank.

  1. Online with Automated Investor which invests and rebalances your portfolio automatically for you
  2. Online with a Self-directed brokerage account where you choose the specific investments
  3. With an advisor who will set up an account for you

Yes, you can easily do both.3 Learn how we make rollovers easy.

“Compounded” investment gains means that you earn money off the gains you earned earlier. Here’s an article that explains this a bit further: Why compounding matters.

Take the next step

Open an account
Call 866-758-8655
Request a call
Find a financial advisor
Start of disclosure content

Disclosures

Automated Investor legal agreements & disclosures

Start of disclosure content

  1. Annual advisory fee is 0.24% of invested assets, billed quarterly with a minimum investment of $1,000. Your annual advisory fee doesn’t include ETF fees and expenses which are reflected in the daily pricing of the fund, or other account level fees as described in our Automated Investor Wrap Fee Program Brochure.

  2. Exchange Traded Funds (ETFs) are subject to risks similar to those of stocks, such as market risk. Investing in ETFs may bear indirect fees and expenses charged by ETFs in addition to its direct fees and expenses, as well as indirectly bearing the principal risks of those ETFs. ETFs may trade at a discount to their net asset value and are subject to the market fluctuations of their underlying investments.

  3. U.S. Bancorp Investments can assist clients with IRA Rollovers. However, keep in mind that a rollover of qualified plan assets into an IRA is not your only option. Before deciding whether to keep assets in your current employer’s plan, to roll assets to a new employer’s plan, to take a cash distribution, or to roll assets into an IRA, clients should be sure to consider potential benefits and limitations of all options. These include total fees and expenses, range of investment options available, penalty-free withdrawals, availability of services, protection from creditors, RMD planning and taxation of employer stock. Discuss rollover options with your tax advisor for tax considerations.

Start of disclosure content

Investment and insurance products and services including annuities are:
Not a deposit • Not FDIC insured • May lose value • Not bank guaranteed • Not insured by any federal government agency.

U.S. Investments is a marketing logo for U.S. Bancorp Investments Inc.

Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank.

Insurance products are available through various affiliated non-bank insurance agencies, which are U.S. Bancorp subsidiaries. Products may not be available in all states. CA Insurance License #0E24641.

U.S. Bancorp Investments and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

IMPORTANT: The projections or other information generated by Automated Investor regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.

Investing involves risk, including possible loss of principal.

U.S. Bancorp Investments is registered with the Securities and Exchange Commission as both a broker-dealer and an investment adviser. To understand how brokerage and investment advisory services and fees differ, the Client Relationship Summary is available for review.

Pursuant to the Securities Exchange Act of 1934, U.S. Bancorp Investments must provide clients with certain financial information. The U.S. Bancorp Investments Statement of Financial Condition is available for you to review, print and download.

The Financial Industry Regulatory Authority (FINRA) Rule 2267 provides for BrokerCheck to allow investors to learn about the professional background, business practices, and conduct of FINRA member firms or their brokers. To request such information, contact FINRA toll-free at 1-800‐289‐9999 or via https://brokercheck.finra.org. An investor brochure describing BrokerCheck is also available through FINRA.

Past performance and market conditions do not guarantee future results. There is no assurance that a particular investment mix or hypothetical performance shown will lead to actual investment results or performance. Diversification and asset allocation strategies do not guarantee low volatility, profit or protection against loss. There is no guarantee that you will achieve your goal within your time horizon, or over a longer time period by using Automated Investor. You are responsible for providing accurate and up to date information about your goal, time horizon, and risk tolerance.

If you have any questions or concerns, contact us to consult with an investment professional 866-758-8655. The illustrative portfolios cannot account for the impact that economic, market, and other factors may have on an actual investment portfolio.

Municipal Securities Education and Protection– U.S. Bancorp Investments is registered with the U.S. Securities and Exchange Commission and the Municipal Securities Rulemaking Board (MSRB). An investor brochure that describes the protections that may be provided to you by the MSRB rules and how to file a complaint with an appropriate regulatory authority is available to you on the MSRB website at www.msrb.org.

U.S. Bancorp Investments Order Processing Information.