Illustration depicts the investment relationship between potential return and the potential risk and time horizon.

Looking beyond uncertainty to seize opportunity.

While persistent inflation creates certain challenges for investors, today's higher interest rates — not seen in decades — offer a range of exciting new opportunities to get your money working harder for you.

Put your money to work for you.

Maybe you've taken a wait-and-see approach to investing because of uncertainties surrounding markets and the economy.

But did you know right now is a great time to take another look at your approach to managing your cash and investing?

A wealth professional can help you take a fresh look at your finances and uncover new ways of putting your money to work for you.

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In a simple conversation, we can help you get the most out of your relationship with U.S. Bank.1

Premium benefits:

  • Preferred pricing and special rates on savings and lending products
  • Unlimited waived fees on non- U.S. Bank ATMs, cashier checks, wire transfers, IRA’s and more

Exclusive access:

  • High-yield Reserve Money Market savings account
  • Dedicated mortgage loan officer when you need one
  • High priority service throughout your relationship

 

Learn how to take advantage of these opportunities.

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How can our team help you? We put the goals of our clients first, helping them move forward with confidence.

U.S. Bank:

Feel financially secure:

  • Optimize return on cash
  • Improve short-term liquidity

Make a large purchase:

  • Buy or refinance a home
  • Buy an investment property

Leave a legacy:

  • Give to family and friends
  • Support a cause or charity

U.S Bancorp Investments:

Invest in my future:

  • Invest in a diversified portfolio
  • Start or grow a business

Prepare for the future:

  • Plan for retirement
  • Save for education

Protect my assets:

  • Minimize tax impact
  • Implement insurance strategies

Have an urgent need or just want a second opinion?

Schedule your conversation

Insights from our experts

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Cash management and investing strategies when interest rates are up

A fresh look at managing cash and investments in today’s higher interest rate environment.

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How do rising interest rates affect the stock market?

With interest rates continuing to go up, learn what the ripple effects across capital markets may mean for investor portfolios.

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Tactical asset allocation in a changing market

Consider these tactical asset allocation strategies to help enhance investment returns and manage overall portfolio risk.

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Impact of inflation and interest rates on your financial plan

Persistent inflation and rising interest rates can affect your ability to meet your financial goals. Consider these strategies to help mitigate risk and boost potential investment returns.

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Frequently asked questions

Money market funds and Treasury bills are two liquid investments to consider. Locking into a certificate of deposit (CD) – or laddering a series of CDs over a range of maturities to maximize yield – can be another good option. Promotional rates may be available to help you optimize returns.

A liquid asset secured line of credit can be a flexible way to meet cash-flow needs without disrupting your long-term investing strategy. It’s a line of credit secured by the existing assets in your portfolio which you can use opportunistically – to provide liquidity, pay off higher interest rate debt or delay selling depreciated securities until the time is right.

First, speak with a wealth professional for tactical asset-allocation guidance on where to place assets to best meet your objectives. Second, consider dollar-cost averaging. It’s a disciplined strategy for investing over time and on a regular schedule to reduce risk and mitigate the effects of poor market timing. While markets and economic conditions will change, smart asset allocation and a patient, steady approach can help put you on a path to success.

Think of having different time horizons and risk tolerances spanning the investment buckets of Liquidity, Lifestyle and Legacy. Consider money market funds and Treasury bills when your risk tolerance is low and liquidity is key. Migrate to short-term bonds when your cash flow needs decrease but the economic outlook remains uncertain. Lastly, when your time horizon is longer and you can assume more risk, commit to a financial plan that supports your goals through exposure to fixed-income investments, equity and real assets.

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Disclosures

  1. Certain benefits require a U.S. Bank Smartly Checking® account and enrollment in U.S. Bank Smart Rewards®. Other benefits depend on the amount of qualified deposits and/or investment balances from our affiliate U.S. Bancorp Investments and/or Personal Trust balances you may have. Other considerations may apply.

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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. Wealth Management – U.S. Bank | U.S. Bancorp Investments is the marketing logo for U.S. Bank and its affiliate U.S. Bancorp Investments.

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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.

The information provided represents the opinion of U.S. Bank and U.S. Bancorp Investments and is not intended to be a forecast of future events or guarantee of future results. It is not intended to provide specific investment advice and should not be construed as an offering of securities or recommendation to invest. Not for use as a primary basis of investment decisions. Not to be construed to meet the needs of any particular investor. Not a representation or solicitation or an offer to sell/buy any security. Investors should consult with their investment professional for advice concerning their particular situation.

Equity securities are subject to stock market fluctuations that occur in response to economic and business developments.

Investments in fixed income securities are subject to various risks, including changes in interest rates, credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications and other factors. Investment in fixed income securities typically decrease in value when interest rates rise. This risk is usually greater for longer-term securities. Investments in lower-rated and non-rated securities present a greater risk of loss to principal and interest than higher-rated securities.

There are special risks associated with investments in real assets such as commodities and real estate securities. For commodities, risks may include market price fluctuations, regulatory changes, interest rate changes, credit risk, economic changes and the impact of adverse political or financial factors. Investments in real estate securities can be subject to fluctuations in the value of the underlying properties, the effect of economic conditions on real estate values, changes in interest rates and risks related to renting properties (such as rental defaults).

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. 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.

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.

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.

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.

U.S. Bancorp Investments Order Processing Information.

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.