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 “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.
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.
Digital features at 0.50%
With a $0 minimum balance, our most affordable option takes your individual risk tolerance, timeline, and objectives into account and provides a portfolio that’s automatically rebalanced and reallocated accordingly.
Premier features at 0.75%
You’ll enjoy all the benefits of our Digital platform, plus individual consultations with a UBT financial planning expert. They’ll sit down with you to look at where you are now and where you want to go, then develop a plan for how to get there — with annual reviews and updates.
Platinum features at 1.00%
Our most feature-rich option, the Platinum tier gives you all the benefits of Premier, plus unlimited contact with a dedicated financial advisor, a comprehensive financial plan, annual reviews and updates, and a closer look at your retirement needs, asset allocation, tax analysis, and more.
For those with more complex financial situations, our full service investment management and financial planning could be the best option for managing your investments and pursuing your financial goals. Contact us to learn more about wealth management services from UBT.
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.
Frequently Asked Questions
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.
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.
You can print paper copies of your statement(s) by downloading them from your portal.
Please call us at 877.851.8847 or email email@example.com and we will be happy to assist you.
You can update your personal information by clicking your Profile.
Yes, we expect an app soon. A web-enabled version is currently available on your mobile device through your browser.
Get help from an expert
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.