How a robo-advisor works

Though robo-advisors are popular with people who are newer to investing, they can provide an easy way to invest for anyone at any point in their investing journey. Generally, you start by answering a few simple questions about:

  • How much you want to invest

  • Your financial goals, such as investing for retirement, growing your wealth, preparing for a big life event, investing to buy a home or other goals

  • The time frame in which you wish to achieve those goals

  • How comfortable you are with financial risk

The robo-advisor analyzes your answers and uses this data to select an investment portfolio that aligns with your goals.

The advantage of a robo-advisor is that you get an expertly built portfolio that suits your life and goals, allowing you more time to pursue your passions.

Getting started with our robo-advisor

We make it easy to get started. Based on your answers to a few questions, you’ll be matched with an Automated Investor portfolio that's been created by our investment experts with your goals in mind.

Your portfolio is then put to work, automatically adjusting for market conditions, with the objective to maximize returns, minimize risk and help you save on taxes with tax-loss harvesting. At any time, you can adjust your goal if plans change.

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 get you started. Just call 866-758-8655.

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.

Human support on your side

Though Automated Investor’s smart technology manages your investment portfolio for you, a live investment professional is just a phone call away to answer all of your questions and provide you the human guidance you need.

Open an IRA with Automated Investor

In addition to individual and joint accounts, you can use Automated Investor to open a traditional, Roth or SEP IRA. Investing for your retirement with an individual retirement account (IRA) means more of your money is working harder for you with either tax-free or tax-deferred growth.

Frequently asked questions

Get answers to your robo-advisor and Automated Investor questions. Start here or view our other FAQs.

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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. U.S. Bancorp Investments can assist clients with IRA Rollovers. However, keep in mind that a rollover of qualified plan assets into an IRA is not your only option. Before deciding whether to keep assets in your current employer’s plan, to roll assets to a new employer’s plan, to take a cash distribution, or to roll assets into an IRA, clients should be sure to consider potential benefits and limitations of all options. These include total fees and expenses, range of investment options available, penalty-free withdrawals, availability of services, protection from creditors, RMD planning and taxation of employer stock. Discuss rollover options with your tax advisor for tax considerations.

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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.

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 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

U.S. Bancorp Investments Order Processing Information.