Goal-Based Online Investing

Invest for stuff. For life. For stuff that happens in life.

UBT’s Online Investing comes with as much or as little help as you need to meet the goals that matter most — all backed by investing knowledge from people who care.

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  • New Investors

    New Investors

    Become a more confident investor

    New to the investing game and not sure where to start? Online Investing from UBT might be perfect for you. It all starts with figuring out what you’re saving for. Maybe you’re thinking long-term and adding to your retirement nest egg. Or maybe you’re looking to save for a special vacation, a large purchase, or a new home. No matter what you’re aiming for, Online Investing probably has a portfolio that fits. Need more personalized attention? Choose our Premier or Platinum tier and one of our experts can help you get a sense of your full financial picture, figure out how much to save, and then help you build a diversified portfolio that will put you on the path toward your goal.

    A couple using UBT's Online Investing
  • Hands-Off Investors

    Hands-Off Investors

    A “set it and forget it” investing approach

    For investors who don’t have the time or experience to manage their own investments, Online Investing from UBT offers optimized, automated options that handle the allocations and rebalancing for you — so you can spend your time doing what you love. Simply choose a goal, set up your deposits, and you’re good to go.

    Set it and forget it investing
  • Hands-On Investors

    Hands-On Investors

    Make your portfolio your own

    We see you out there, DIYers, and we’re happy to let you set your own allocations to align with your goals, timeline, and risk tolerance. The process is the same: Choose the goal you have in mind (whether it's retirement, a big purchase, an upcoming vacation, or something else), set your deposits, and you’re on your way. You can choose to follow the allocations our individual goal types default to, or you can set your own allocations to get the mix you want.

    Hands on investing
Why Online Investing with UBT?

Goal-based investing

Whether you’re saving for retirement, or a honeymoon, or a new car, your online portfolio is designed to help you pursue your unique goals in a simple-to-manage way that makes sense for your situation.

Ongoing rebalancing

Your Online Investing portfolio features automatic reallocation and rebalancing based on your risk tolerance and time frame to help your investments stay on track toward hitting your goals.

Local support

Our teams are located right here in the Midwest, so you know your portfolio was built by people who understand their customers’ values and lifestyles and want to help each person reach their goals.

No minimums

Unlike other national financial institutions, we have no minimum balance requirement — and you can move funds from your bank account to your investment account and back again (and again) with no additional fees.1

The People Behind the Product

Portfolios backed by real people who really care

With Online Investing from UBT, you can rest assured that your money is invested in portfolios made up of stocks and bonds hand-selected by real people (like Tom) who have your best interests in mind. They’ll use their decades of experience to help create online portfolios that align with a variety of objectives, risk tolerances, and timelines so you’re sure to find a portfolio that fits.

Tom Sullivan

Frequently Asked Questions

What are catch-up contributions for IRAs?

Catch-up contributions are contributions that allow individuals who are 50 or older to make additional contributions to their IRA above their normal maxed-out contribution.

What amount should I invest when I’m starting out?

First, don’t worry about minimum account balances, because we don’t have any. How much you choose to invest depends on your goal, budget, and what planning you have done so far to reach that goal.

Can I get paper statements?

You can print paper copies of your statement(s) by downloading them from your portal.

How do I change my legal name?
How do I update my personal information?

You can update your personal information by clicking your Profile.

Will a phone app be available?

Yes, we expect an app soon. A web-enabled version is currently available on your mobile device through your browser.

1Transfers are typically initiated through the Automated Clearing House (ACH) system. Although transfers to and from Union Bank accounts via ACH will not incur a charge, other financial institutions may charge for these services.

Investment products: Not FDIC Insured — No Bank Guarantee — May Lose Value.