Investment Management

Professionally managed options can open the investment world to you.

Financial professionals at U.S. Bank and U.S. Bancorp Investments offer a consultative approach to investment management. An advisor works as your partner in helping you understand the options available in today’s wide-ranging investment marketplace. Your advisor builds the investment process around you, your goals and individual circumstances that affect your approach to money management and investing.

By gaining a comprehensive understanding of you as an investor, your advisor is able to create a customized investment strategy that is consistent with your goals. The centerpiece of that plan is a personalized asset allocation strategy. You can choose from a variety of professionally managed investment programs.

    1. We start by analyzing your needs, goals and risk tolerance to create your personal profile.
    2. Next, we work with you to develop your asset allocation and investment strategy.
    3. Then we work with you to implement your portfolio and recommend a full range of investment options that align with your goals, which may include:
      • Stocks, bonds and mutual funds
      • Fixed- and variable-rate annuities
      • Exchange-Traded Funds (ETFs) and Unit Investment Trusts (UITs)
      • Professionally-managed portfolios
    4. We’ll monitor and manage your portfolio on an ongoing basis.
    5. We'll review your progress with you regularly.
  • What are the strategies for successful investing?

    It’s important to know who you are as an investor and what you want your portfolio to accomplish. The key steps include:

    • Identifying specific financial goals. These may include funding a child’s higher education, your own retirement, the purchase of a home, starting a business or other goals that are important to you.
    • Assessing the amount of time you have to achieve each goal. Setting time frames for each of your goals is key because it can help determine how long your money can keep working for you.
    • Understanding your own risk tolerance. Some investors are risk takers by nature while others are very conservative, but many fall somewhere in between. Age, personality, investment experience and financial circumstance can all affect your tolerance for risk.
    • Determining your asset allocation – in other words, the mix of assets you want to own across various classes of investments. Diversification may help reduce your overall risk. Your asset allocation strategy should support your goals while being consistent with your risk tolerance level.
    • Taking the time to review your overall portfolio performance, keeping your eye on the big picture. If your portfolio begins to drift from your asset allocation strategy, you may consider rebalancing your portfolio to maintain your long-term investment strategy.
    • Making adjustments to your portfolio if your needs and circumstances change.

    Why do I need to diversify my portfolio?

    A diversified portfolio spreads investment dollars out over a variety of asset classes and/or different securities. The goal of diversification is to help protect the value of your overall portfolio against a decline of price in a single security and/or a market sector. For example, some investors own a mix of stocks and bonds, with the expectation that in times when stock markets decline, bonds will perform better, helping to minimize the volatility of the overall portfolio. The different asset classes may counterbalance one another to help reduce short-term fluctuation in the portfolio. Of course, asset allocation and diversification does not ensure a profit or protect against a loss.

    Why is it important to focus on asset allocation as part of the investment process?

    Studies show that asset allocation has the single largest impact on your account’s overall performance. According to 1990 Nobel Prize winner Harry Markowitz’s “Modern Portfolio Theory”, almost 92% of investment returns are the result of how assets are allocated among different classes, while only 2% are due to the specific stocks and bonds you choose to buy within each asset class. Asset allocation may have a more significant effect on performance returns than industry weighting, stock selection, market timing or any other portfolio management decision.

    How often should I make adjustments to my asset allocation?

    Your asset allocation should reflect your current investment objectives, but it is also a long-term commitment. If your objectives and investment timeframe have not changed, you may not want to make adjustments to your asset mix. This is true even if short-term developments in the market are not working to your benefit. But if things have changed, the investment mix that suited you when you began investing may not be appropriate today. Major changes in your personal life, financial situation and time horizon can all be reasons to reconsider your asset allocation strategy.

    What does it mean to rebalance a portfolio and why is that important?

    Your asset allocation strategy is based on specific objectives for investment return consistent with your acceptable level of risk. If over time the performance of certain types of assets held in your portfolio dramatically stray from expected return levels, it’s possible that you may find that you are significantly over-invested or under-invested in specific asset classes. For example, if due to strong performance, a planned 15% weighting of international stocks in your portfolio grows to a 20% weighting, you may suddenly be taking on significantly more risk by owning more international stocks than your original allocation called for. If that occurs, you may consider rebalancing assets in your portfolio to the weighting specified in your original asset allocation strategy.

    Is there a cost to having my investments professionally managed?

    Yes. Your advisor will discuss the costs involved before you decide to become a client.

    What products are available within these managed accounts?

    Depending on your specific situation, portfolios may include all types of mutual funds, exchange-traded funds (ETFs), individual stocks, bonds and other securities or other types of investments available on the open market. Part of the process of working with an investment advisor is to determine which products may fit your asset allocation strategy.

  • Use Our Calculators

    Our financial calculators can help you customize scenarios for:

    • Retirement
    • Education
    • 401(k)
    • Insurance

    Insurance

    U.S. Bancorp Investments can help you determine the types of insurance that may be appropriate for you.

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    More Products & Services

    We offer investment products and financial services to help you work toward your goals and simplify your financial life.

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“Call to Invest” and “Invest on Your Own” are services offered through U.S. Bancorp Investments.

Investment products and financial services are provided through U.S. Bank and/or its affiliate, U.S. Bancorp Investments.

Investment products and services are:

Not a DepositNot FDIC InsuredMay Lose ValueNot Bank GuaranteedNot Insured by any Federal Government Agency

U.S. Bank, U.S. Bancorp Investments and their representatives do not provide tax or legal advice. Each individual's tax and financial situation is unique. Clients should consult their tax and/or legal advisor for advice and information concerning their particular situation.

The information provided represents the opinion of U.S. Bank and is not intended to be a forecast of future events or guarantee of future results. It is not intended to provide specific investment advice and should not be construed as an offering of securities or recommendation to invest. Not for use as a primary basis of investment decisions. Not to be construed to meet the needs of any particular investor. Not a representation or solicitation or an offer to sell/buy any security. Investors should consult with their investment professional for advice concerning their particular situation.

Equity securities are subject to stock market fluctuations that occur in response to economic and business developments. Investing in fixed income securities are subject to various risks, including changes in interest rates, credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications and other factors. Investment in debt securities typically decrease in value when interest rates rise. The risk is usually greater for longer term debt securities. Investments in lower rated and non rated securities present a greater risk of loss to principal and interest than higher rated securities. Mutual fund investing involves risk; principal loss is possible. Investing in certain funds involves special risks such as those related to investments in small- and mid-capitalization stocks, foreign, debt, and high yield securities, and funds that focus their investments in a particular industry, or employ a long-short strategy. Please refer to the fund prospectus for additional details pertaining to these risks.

Exchange Traded Funds (ETFs) are baskets of securities that are traded on an exchange like individual stocks at negotiated prices and are not individually redeemable. Share of ETFs may trade at a premium or a discount to the net asset value of the underlying securities.

Fixed Annuities are a contract between an individual and an insurance company designed to allow for tax-deferred accumulation of investment earnings. Fixed annuities come with a rate of return that is guaranteed by the claims-paying ability of the insurance company. An annuity contract can be annuitized, providing the individual with a guarantee (from the insurance company) of a fixed or variable payment at a future date. A deferred variable annuity is a long-term financial product designed for retirement purposes. Early withdrawals may be a subject to surrender charges, and if taken prior to age 59 1/2, a 10% federal income tax penalty may apply. All guarantees are back by the claims-paying ability of the issuing insurance company.

Before investing, read the prospectus carefully to consider the investment objectives, risks, charges, expenses and other important information. Past performance is no guarantee of future results. Asset allocation and diversification does not ensure a profit or protect against a loss.

For U.S. Bank:

Deposit products offered by U.S. Bank National Association. Member FDIC.

U.S. Bank is not responsible for and does not guarantee the products, services, or performance of U.S. Bancorp Investments.

For U.S. Bancorp Investments:

Investment products and services are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank.

Insurance products are available through various affiliated non-bank insurance agencies, which are U.S. Bancorp subsidiaries. Products may not be available in all states. CA Insurance License# OE24641.

The Financial Industry Regulatory Authority (FINRA) Rule 2267 provides for BrokerCheck to allow investors to learn about the professional background, business practices, and conduct of FINRA member firms or their brokers. To request such information, contact FINRA toll-free at 1.800.289.9999 or via http://brokercheck.finra.org. An investor brochure describing BrokerCheck is also available through FINRA.