Online Investing from UBT

Go after your goals with help from people who care

With Online Investing from UBT, you can invest with confidence knowing our friendly, local experts are here and ready to help — and with no minimum investment required, it’s easy to get started.

  • New Investors

    New Investors

    Become a more confident investor

    New to investing and not sure where to start? Online Investing from UBT can help you get on the right track, with easy-to-use goals, auto-deposits, and asset allocations based on your risk tolerance.

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

    Hands-Off Investors

    A “set it and forget it” investing approach

    If you feel like you don’t have the time or experience to manage your 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.

    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 within Online Investing. Get ready to dive in and start pursuing your goals your way.

    A couple looking at an tablet
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 offer a no minimum balance requirement option — and you can move funds from your bank account to your investment account and back again (and again) with no additional fees.*

Invest Your Way

Find an account that’s right for your goals

From Individual Taxable Accounts to Individual Retirement Accounts and Roth IRAs, Union Bank & Trust is here to help plan your future your way.

  • Individual Taxable Account
    An individual taxable account is your most flexible account option for saving and investing for things like travel or major purchases.
  • Individual Retirement Account
    An IRA is a great way to save outside of your employer’s retirement fund on a pre-tax basis, meaning the money you invest in your IRA isn’t taxed until it’s time to withdraw — usually in retirement. Please consult your tax advisor.
  • Roth IRA
    A Roth IRA is another great way to diversify your tax situation in retirement. Unlike a traditional IRA, a Roth IRA’s contributions are made after taxes are taken out, so your withdrawals won’t be taxed.

The People Behind the Product

Portfolios backed by real people who really care

With Online Investing, you can rest assured that your money is invested in portfolios 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

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What is the general investment theory used in determining the allocation of my account?

The investment professionals at Union Bank & Trust build portfolios using Modern Portfolio Theory (MPT). MPT was pioneered in 1952, earning its creator a Nobel prize. MPT is a theory on how risk-averse investors can construct portfolios to maximize expected return based on a given level of market risk. The theory emphasizes that risk is an inherent part of a higher return. Diversification of assets plays a major part, and our portfolios have broad style and geographic diversification.

Can you explain the goals?

You can choose from six different goals. Each goal tells us something unique about how you want to invest your funds. Some of the goals have guard rails on them to help protect your money based on needs and time frames. The guard rails are used to calculate your proper asset allocation. For example, we would suggest not being 100% invested in stock if your need for the money is less than one year from the start of your goal. Our guard rails would prevent that from happening. To learn more about each goal, check out our guide. Of course, you can reach out to us at 877.851.8847 or investonline@ubt.com to talk about any possible manual overrides to your goal

How do I get a financial plan?

To receive a personalized financial plan, you’ll need to have your account elevated to the Platinum tier. Call us at 877.851.8847 or email us to request an upgrade. Click here to see what’s offered at each tier level.

What are the steps to open an online investing account?
  1. Walk through the questions until you get to the page congratulating you on opening your account.
  2. You will receive an email asking you to verify your email address.
  3. Once you verify your email address, log in to your account at https://invest.ubtgo.com/portal.
  4. You may receive an email asking for additional documentation for your identity before your account can be opened. No need to worry — we simply need a little more information to verify your identity. You’ll receive an email; follow the prompts to provide the requested information. In some cases, it’s as easy as uploading a picture of your driver’s license.
  5. If you were required to provide additional documentation, an investment professional will need to review and approve your documentation. Upon final approval, you will receive an email letting you know that you are now ready to log in. Log in to your account at https://invest.ubtgo.com/portal.
What is the online investing risk tolerance questionnaire?

The risk tolerance questionnaire is a series of questions that help us understand your comfort level with market risk as it relates to long-term return potential.

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.

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

 

Transfers 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.

*No minimum balance requirement on the digital platform.

**Minimum account fee of $4/month which translates to a minimum balance of $6,400 at .75%

***Minimum account fee of $20/month which translates to a minimum balance of $24,000 at 1.00%