Funds for life events and major purchases

Sometimes you need access to more cash to fund a major purchase or life event, such as a wedding, holiday trip, or the arrival of a new baby. Options to consider include asset-secured financing, using your home equity, and loans and lines of credit from U.S. Bank. If you have a longer time horizon, consider a customized investment portfolio plan from U.S. Bank or U.S. Bancorp Investments.

Using investments

Depending on your timeline, creating a custom investment portfolio may be an effective way to fund a major purchase. Wealth Management from U.S. Bank and U.S. Bancorp Investments emphasizes long-term growth and income generation while attempting to minimize risk. We develop customized investment strategies designed to help weather unpredictable conditions in all types of market cycles.

If you prefer to customize your own investment portfolio or use our automated investing solution, we also offer self-directed investing and Automated Investor services from U.S. Bancorp Investments. With Automated Investor, you set your goal – saving for retirement, making a major purchase, or general investing – and we'll invest your money for you. 

Using the equity in your home

If you own a home, consider a home equity line of credit or a home equity loan from U.S. Bank to plan for a major purchase.

A home equity line of credit works much like a credit card. Unlike an unsecured credit card, your credit is secured by the equity you have in your home, so interest rates can be lower – potentially making it a better way to borrow money.

A home equity loan can be a great way to pay for one-time major expenses. The principal and interest payments are fixed for the life of the loan.

Personal loans and lines of credit

Personal loans and lines of credit from U.S. Bank are unsecured sources of funds to pay for major purchases. Funds for a personal loan are typically received at once and paid back over time. Personal loans can be used for one-time expenses such as the purchase of a car.

Personal lines of credit may give you ongoing access to a revolving credit line that can help pay for incremental expenses over time.

Liquid asset secured financing

If you are looking for a way to take advantage of unique financing opportunities while maintaining control of your wealth, you may want to consider liquid asset secured financing. This flexible line of credit from U.S. Bank Wealth Management is secured by eligible assets in one or more of your investment accounts. One of our wealth professionals can help you determine if this type of financing may be right for you.

Insights from our experts

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If you're saving for future education. look into an education savings account like a 529 plan from U.S. Bancorp Investments.

How to use liquid asset secured financing

Leveraging the assets in your investment portfolio can provide quick access to cash.

3 types of debt to help reach financial goals

Consider leveraged investing as part of your financial strategy.


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Investment and insurance products and services including annuities are:
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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.

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

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For U.S. Bancorp Investments:

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