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 getstarted.
- New Investors
Become a more confident investor
New to investing and not sure where to start? Online Investing from UBT can help you get your financial goals on the right track, easily set up auto-deposits, and allocate assets based on your risktolerance.
- 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 youlove.
- 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 yourway.
Account options and fees
IRA
- Cost is 0.5% of your balance annually+ $10 annual fee ($0 minimum balance)
- Free trades and transfersᶲ
- Free automatic rebalancing
- Our platform provider charges a $60 account closing fee
Non-IRA
- Cost is 0.5% of your balance annually ($0 minimum balance)
- Free trades and transfersᶲ
- Free automatic rebalancing
Why Online Investing with UBT?
Goal-based investing
Whether you’re saving for retirement, 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 yoursituation.
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 yourgoals.
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 theirgoals.
No minimums
Unlike other national financial institutions, we offer an option with no minimum balance requirement — and you can move funds from your bank account to your investment account and back again (andagain).
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 yourway.
- Individual taxableaccount
An individual taxable account is your most flexible account option for saving and investing for things like travel or majorpurchases. - Individual retirementaccount
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 taxadvisor. - 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. Please consult your taxadvisor.
Online Investing FAQs
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 thatfits.
Related Resources
Frequently Asked Questions
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- Simply log in to your account and click My Profile, and Bank Accounts
- Click Withdraw ($) icon
- Select the Online Investing account you wish to withdraw from
- Enter the amount you wish to withdraw
- You will receive a pin code via text after clicking Remove Funds to confirm your withdrawal.
- UBT does not charge trading fees or assess penalties for requested withdrawals or account closures. (Please note: our platform provider charges a $60 account closing fee for IRA accounts)
- Please note: With IRAs, you will have to select distribution type, and enter Federal & State tax Withholding percentages (0-100%).
- Please note: Possible IRS penalty if money is taken out of IRA before age 59 ½. Certain exemptions to the penalty are available
- Please visit www.irs.govfor more information.
- Simply log in to your account and click My Profile, and Bank Accounts
- Click Add ($) icon
- Select One-Time Deposit or Recurring Deposit
- Select the Online Investing account you wish to deposit into
- If one-time deposit, simply enter the amount you want to deposit
- If recurring deposit, simply enter the amount you want to transfer and the frequency
- Then set the starting and ending dates or you can click on the No End Date radio button
- Please note: With IRAs, you will have to select the contribution year
- Review the information and when ready, click Add Funds
- You will receive an email confirmation once the money has been transferred
- Simply log in to your account and click My Profile-Funding
- Then, select Bank Accounts
- Click Add Bank Account
- Search for “Union Bank & Trust (NE) – Personal”
- Enter your UBT username and password when prompted
- Select your checking or savings account and click Confirm
You can deposit funds into your Online Investing account via ACH electronic transfer. There are no wire or transfer fees on our end, but you should check to see if your financial institution charges fees for your transaction. Note: We do not accept cash or checks.
- 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 athttps://invest.ubtgo.com/#/login.
- 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 athttps://invest.ubtgo.com/#/login.
Please refer to ourguide to account types.
Investment products: Not FDIC Insured — No Bank Guarantee — May Lose Value.
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.
As an experienced financial expert deeply entrenched in the world of online investing, I can confidently attest to the importance of choosing the right platform to achieve your financial goals. In the realm of online investing, Union Bank & Trust (UBT) stands out as a reliable and comprehensive solution for investors of all types. Allow me to delve into the concepts embedded in the provided article to demonstrate my expertise.
1. Goal-Based Investing: The article emphasizes the significance of goal-based investing, catering to various objectives such as saving for retirement, a honeymoon, or a new car. This approach aligns with the core principle of tailoring investment strategies to specific life goals. UBT's Online Investing offers portfolios designed to help investors pursue their unique objectives in a manageable way.
2. Hands-Off and Hands-On Investor Options: UBT recognizes the diversity in investor preferences, providing solutions for both hands-off investors who prefer automated, optimized options, and hands-on investors who want to customize their portfolios. This flexibility in approach acknowledges the varied time constraints and experiences of investors.
3. Account Options and Fees: The article outlines the account options available, including Individual Taxable Accounts, Individual Retirement Accounts (IRAs), and Roth IRAs. Notably, it specifies the cost structure, with a 0.5% annual fee for both IRA and non-IRA accounts. The absence of a minimum balance requirement, free trades, and automatic rebalancing are highlighted features. It's essential for investors to understand the fee structure to make informed decisions.
4. IRA and Roth IRA: The article provides concise information on Individual Retirement Accounts (IRAs) and Roth IRAs, underlining the tax advantages of each. A traditional IRA allows pre-tax contributions, while a Roth IRA involves after-tax contributions, providing tax diversification in retirement. The mention of consulting a tax advisor emphasizes the importance of seeking professional guidance in complex financial matters.
5. Online Investing FAQs: The Frequently Asked Questions section addresses crucial aspects of managing an online investment account with UBT. It covers topics like withdrawing money, setting up deposits, linking accounts, and the steps to open an online investing account. This demonstrates a commitment to transparency and user support.
6. Portfolios Backed by Real People: UBT differentiates itself by highlighting that online portfolios are curated by real people with decades of experience, adding a personal touch to the digital investing experience. This reassures investors about the human expertise behind the automated processes.
In conclusion, Union Bank & Trust's Online Investing platform presents a comprehensive and user-friendly approach to investing, accommodating a wide range of investor preferences and goals. The emphasis on goal-based investing, account flexibility, and local support positions UBT as a noteworthy player in the online investing landscape.
