Open an IRA with Automated Investor

An individual retirement account (IRA) is a great choice in addition to a 401(k) because it can often provide you with more flexibility and a larger number of investment options. Since it’s a tax-advantaged account, an IRA can mean more money saved for your future.

Different types of IRAs provide unique tax, savings and income advantages for your retirement plans. Learn about the differences between traditional, Roth and SEP IRAs to determine which one might be best for you.

Put your goals within reach

Automated Investor helps you stay on track and in control by combining our investing expertise with technology to manage your investments. We take the guesswork out of investing and allow you to focus on your retirement goal.

Automated Investor is currently only available to existing clients 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.

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The benefits of Automated Investor

Low fees and a low investment minimum

With a minimum investment of just $1,000, you can get started working toward your financial goals. Annual fees are 0.24%, billed quarterly.1 That means that for every $1,000 invested you will pay $0.60 every three months (based on rate of $0.20 per month).

Automatic rebalancing and monitoring

Automated Investor's always-on rebalancing feature keeps your portfolio diversified and balanced automatically. This saves you time and the hassle of having to constantly review your account and research when and what adjustments are needed.

Easy, straightforward investing

In just a few minutes, you can open an Automated Investor account. Your money is invested in a mix of funds that have been selected by our investment experts and tailored to your goals and preferences. If your plans change, you can adjust your goals at any time and Automated Investor will do the rest.

Compounding growth

Compound growth is when you earn money on the growth (or interest) you earned previously. Compounding makes your money grow faster because you have the opportunity to earn more from the money that's reinvested. Automated Investor aims to take advantage of this for you.

Choose your preferences. Begin investing in minutes.

To get started with Automated Investor, answer a few simple questions to tell us about your goals, investment preferences and time frame. We'll use this information to select a diversified mix of investments that fits your needs best.

Your portfolio is then put to work, automatically adjusting for market conditions and implementing tax-efficient strategies, such as tax-loss harvesting, with the objective to maximize returns, minimize risk and help you save on taxes.

A tailored approach to your investment mix

Experiment by moving the risk selection slider left or right to see how the investment mix chart changes.

  • Low-risk tolerance
  • Medium-risk tolerance
  • High-risk tolerance

YOUR INVESTMENT MIX Toggletip Icon

Equity

Fixed Income

Real Estate

The investment portfolios shown are for illustrative purposes. Depending on your goal and target date, the investment strategy may differ.

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Help is available when you need it

You're not alone on your investing journey. We have online resources and human support to help you along the way.

When you want offline help, we're here for you. Wealth professionals are available to provide you with insight and answer any questions you may have about Automated Investor. Call 866-758-8655 to talk with one of our knowledgeable financial professionals.

Ready to get started?

Start investing toward a financial goal without adding to your to-do list. If you're ready, use one of the buttons here to either begin investing with Automated Investor or explore the other types of investment options we offer.

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Frequently asked questions

Get answers to your Automated Investor questions. Start here or view all FAQ.

Consider using Automated Investor if you:

  • Have some money available to invest, in addition to an emergency fund
  • Are seeking a ­­way to get started working toward your goal of growing your wealth, retirement, buying a home or other goal
  • Want an investment strategy created by experts
  • Are comfortable investing online, with automated investments and with the robo-advisor approach
  • Can accept market risk
  • Prefer to have your accounts monitored and automatically rebalanced
  • Would like a low-cost investment solution

If you are an existing customer of U.S. Bancorp Investments or our affiliate U.S. Bank who is exploring investment opportunities, there are several different types of robo-advisor accounts that can be opened, including:

  • Individual accounts

  • Joint accounts

  • Traditional IRAs 

  • SEP IRAs

  • Roth IRAs

  • Asset allocation – Based on your goal and risk profile, the robo-advisor will invest your money across a variety of asset classes with various levels of risk and potential return to keep your portfolio diversified.
  • Automatic portfolio rebalancing – Your account is reviewed by our robo-advisor daily, when U.S. markets are open, to help keep your portfolio in balance with your goal and target date.
  • Low-cost investments - We invest your money in exchange-traded funds (ETFs)2, whose fees are typically lower than those for mutual funds. Source: Investopedia, September 2022, “Why are ETF fees lower than mutual funds?”
  • Tax-loss harvesting - For taxable accounts, we automatically seek to offset taxes on capital gains by selling other investments at a loss. The cash from the sell transactions will be reinvested across your portfolio to help keep your portfolio in balance and on track with your goal.
  • See our Methodology & Assumptions page for more information on automated investments.

Your Automated Investor account is automatically monitored by our robo-advisor daily when U.S. markets are open.

Peace of mind

  • We invest and manage your money for you. As a fiduciary, it’s our responsibility to make automated investment decisions that are in your best interest.
  • The strategies behind the smart technology of Automated Investor come from our affiliate U.S. Bank Asset Management Group, that has more than 40 years of experience managing money.
  • Our always-on automated trading system monitors your investments every business day when U.S. markets are open.

Ease and convenience

  • Automated Investor is an easy robo-advisor tool to use. You don’t need to have any investing experience or knowledge.
  • You can track progress toward your goal right on your account dashboard and easily move money between accounts. Access all your accounts together at usbank.com or on any mobile device.

Value and service

  • Our low-cost investment advice, low fund fees, dividend reinvesting and tax efficient investing methods could potentially mean more money for your goal.

  • Investing with a robo-advisor, including Automated Investor, comes with investing risk.  As with any investment, you’ll experience ups and downs in the market that will be reflected in your account value. Please see the charts below on historical returns for stocks and bonds for additional information.
  • There are some limitations if you want to access your money immediately. Automated Investor should not be a replacement for a cash reserve or emergency fund. Requests to withdraw cash could take two to three business days to complete. To maintain your Automated Investor service, you’ll need to keep at least $1,000 in your account.
  • Like any robo-advisor, Automated Investor is dependent on technology and utility providers. The service could be impacted by issues and outages at both our site and 3rd party provider sites, such as power outages, software and system issues, cyber-attacks or other Internet-related failures. For more information, please refer to the Automated Investor Investment Advisory Agreement.

Historical gains and losses

Here are examples of the best and worst market returns based on market indices for the past 20 years3

Stocks

Best

Worst

1 month

13%

(4/2020)
17%

(10/2008)

3 months

26%

(ending 5/2009)
30%

(ending 11/2008)

1 year

57%

(ending 3/2021)
43%

(ending 2/2009)

3 years

98%

(ending 2/2012)
41%

(ending 3/2003)

5 years

153%

(ending 2/2014)
36%

(ending 2/2009)

10 years

279%

(ending 2/2019)
23%

(3/2012)

Bonds

Best

Worst

1 month

4%

(12/2008)
5%

(9/2022)

3 months

6%

(ending 1/2009)
9%

(ending 10/2022)

1 year

15%

(ending 10/2001)
18%

(ending 10/2022)

3 years

36%

(ending 5/2003)
19%

(ending 10/2022)

5 years

11%

(ending 7/2012)
16%

(ending 10/2022)

10 years

9%

(ending 6/2016)
21%

(ending 10/2022)

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Disclosures

Automated Investor 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. Cumulative rolling returns at month-end for periods ending 3/31/2003 through 3/30/2023. Indices used to illustrate the markets are: S&P 500 for stocks, Barclays Aggregate Index for Bonds, DJ Equity AI REIT TR USD Index for real estate. Historical market performance does not include any advisory fees or fund fees. Past performance is no guarantee of future results. Automated Investor portfolios are not intended to mimic any particular index, and investors cannot invest directly in any index.

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.