Managed for you

Automated investing

Automated Investor, a low-cost robo-advisor, uses technology to determine the right mix of investments for your goals.

  • Investment decisions made for you
  • Automatic monitoring and rebalancing
  • Access to a financial advisor by phone
  • Available as a taxable account or an IRA
  • For every $1,000 you invest, pay only $0.20 a month in fees1
  • Learn more about the different account types that are available

Best for:
Investors who prefer a diverse and managed portfolio that’s easy to use, saves time and helps them stay on track

Get started Learn more

Do it yourself

Self-directed investing

Select and manage your own investments using online trading.

  • Stocks, options, exchange-traded funds and over 10,000 mutual funds2
  • Standard trade fee of $4.95 with no minimum investment
  • Phone support when you need it
  • 100 free online trades a year with a qualified checking account offered by our affiliate U.S. Bank3
  • Learn more about the different account types that are available

Best for:
Experienced investors or those who want the flexibility of buying and selling their own investments

Get started Learn more

Start with an IRA

An individual retirement account (IRA) is a tax-advantaged account designed to help you save toward retirement. If you have earned income, you can open one regardless of age.

Traditional IRA

Traditional IRAs are tax-deferred retirement savings accounts. This means that any income your account earns will not be taxed immediately. Taxes apply when you start taking money out of the IRA account. Traditional IRAs are popular with those who believe they will be in a lower tax bracket when they retire.

Open with Automated Investor Open a self-directed account

Roth IRA

Roth IRAs are tax-free retirement savings accounts. Your non-deductible contribution grows tax-free and qualified withdrawals are not taxed. Roth IRAs are often leveraged by younger investors who are seeking the long-term growth of their investments.

Open with Automated Investor Open a self-directed account

SEP IRA

Simplified employee pension (SEP) IRAs are tax-deferred retirement savings accounts set up by business owners or self-employed individuals for themselves and any employees. A SEP IRA offers higher contribution limits than other retirement accounts.

Open with Automated Investor Open a self-directed account

Take the next step

Find an advisor or banker
Call 866-758-8655
Request a call
Take our investing quiz
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Disclosures

Automated Investor legal agreements & disclosures

Self-directed investing legal agreements & disclosures

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  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. Offer is for 100 free trades per calendar year (Jan. 1-Dec. 31). Offer applies to online trades of equities and exchange-traded funds only and requires enrollment in paperless documents for self-directed brokerage account. To receive the free trades, a U.S. Bank Smartly® Checking account or an existing U.S. Bank Platinum® Checking Package or U.S. Bank Gold® Checking Package must be established with our affiliate U.S. Bank. Free trades made available up to four business days from confirmation of account funding. This offer is not designed to support day trading or active trading and may be revoked if there is excessive or unreasonable activity. Additional fees may apply. Please refer to the Schedule of Commissions and Fees for more information at https://www.usbank.com/investing/online-investing/self-directed-investing/brokerage-fees.html.

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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.

U.S. Bank, U.S. Bancorp Investments and their representatives do not provide tax or legal advice. Each individual's tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

For U.S. Bank:

Equal Housing Lender. Deposit products are offered by U.S. Bank National Association. Member FDIC. Mortgage, Home Equity and Credit products are offered by U.S. Bank National Association. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice.

U.S. Bank is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Investments, Inc.

U.S. Bank does not offer insurance products. Insurance products are available through our affiliate U.S. Bancorp Investments.

For U.S. Bancorp Investments:

Investment and insurance products and services including annuities, are available through U.S. 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. U.S. Bank is not responsible for and does not guarantee products, services or performance of U.S. Bancorp Investments.

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.

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 and Regulation Best Interest Disclosure are available for you to 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.