Building and managing your portfolio

Whether it's planning for a major purchase, preparing for retirement or building and preserving wealth, you have important reasons to invest in your future. An investment portfolio that reflects your goals and priorities can be a key part of working toward the life you want. We’re dedicated to helping you build wealth with investment portfolio management based on your needs, risk tolerance and desired outcomes.

Asset Allocation

Our customized approach

When building your investment portfolio, we take a risk- and timeline-based approach. We offer personalized options featuring asset allocations that span the risk-reward spectrum – ranging from the very conservative to aggressive – to meet your needs.

Your portfolio will reflect your goals, risk tolerance, tax situation and time horizon. If you’re interested in aggressive growth potential, your portfolio may include more equities. If you’ve recently retired and your goal is income sustainability, your portfolio may include a larger share of bonds.

We select investments that complement each other, with the goal of delivering consistent performance across varying market environments and through changing times.

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Building impact investing into your portfolio

Your values can be meaningfully incorporated into your investment portfolio. Through impact investing, we offer an approach to portfolio construction that looks beyond just financial return. Impact investing provides socially and ethically responsible options that may help mitigate risk and consider environmental, social and governance (ESG) opportunities.

Learn about impact investing

Ongoing portfolio rebalancing

Life changes, and your investment portfolio should evolve too. To help you stay on track toward your goals, we monitor your portfolio to account for market shifts, new possibilities and adjustments that may provide long-term benefits. We look for opportunities to:

  • Recalibrate to address changes in the market that can impact asset-class exposure.
  • Refresh to account for new investment options that may align with your priorities.
  • Rebalance for risk and return consistency that reflects your time horizon.

  

Your wealth professional, backed by a team of specialists, will conduct annual reviews to confirm that your portfolio remains in line with your risk tolerance and what you’re working to achieve.

Benefits of working with a wealth professional

Insights from our experts

Market news

Read our up-to-date reports on economic events and news from the markets.

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Investing insights

Discover trends and ideas that may impact your investing strategy moving forward.

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What is impact investing?

Learn how your personal values can be meaningfully incorporated into your investment strategy.

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Next step

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Disclosures

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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 is a marketing logo for U.S. Bank.

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U.S. Bank 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.

The information provided represents the opinion of U.S. Bank 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.

U.S. Bank does not offer insurance products but may refer you to an affiliated or third party insurance provider.

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Diversification and asset allocation do not guarantee returns or protect against losses.

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.

Environmental, Social and Governance (“ESG”) investment strategies limit the types and number of investment opportunities available and, as a result, ESG focused funds may underperform other funds that do not have an ESG focus. ESG investment strategies may result in the funds investing in securities or industry sectors that underperform the market as a whole or underperform other funds screened for ESG standards.