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 “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.
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.
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.
Frequently Asked QuestionsView All ›
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.
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 email@example.com to talk about any possible manual overrides to your goal
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.
- Walk through the questions until you get to the page congratulating you on opening your account.
- You will receive an email asking you to verify your email address.
- Once you verify your email address, log in to your account at https://invest.ubtgo.com/portal.
- 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.
- 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.
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.
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.
Get help from an expert
ᶲTransfers 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%