How to invest with UMB
We believe in tailoring your investment plans to fit your specific needs and goals.
Our team has the tools, resources and experience to help you build a portfolio, whether you plan to invest independently or with guidance from an advisor
How to invest with UMB
We believe in tailoring your investment plans to fit your specific needs and goals.
Our team has the tools, resources and experience to help you build a portfolio, whether you plan to invest independently or with guidance from an advisor
UMB's investment philosophy
We take a comprehensive and collaborative approach to your investment journey. With a robust process to select investments backed by data-driven and in-depth research, and insight from your advisor, we can guide you to an investment plan that makes the most sense for your personal financial objectives.
Self-directed investing1
Do-it-yourself investors seeking an online, self-directed brokerage account to research, select, purchase, monitor and manage their own investments.
Investing with a financial professional1
Investors who would like to work with a financial professional to develop a diversified portfolio based on their goals and risk tolerance, which can include ongoing account monitoring and rebalancing services with UMB Managed Account Solutions.
Custom portfolio construction and management2
Investors seeking a full-service relationship with a dedicated wealth advisor team providing customized investment guidance based on your goals at the highest level of service and support.
Our investment strategy specializes in you. We offer several investment tracks that differ based on how you want to invest and the experience you are expecting. Regardless of the path you choose, you will receive exceptional customer service and investment solutions backed by rigorous research and consistent oversight.
| Self-Directed Investing | Investing with a Financial Professional | Custom Portfolio Construction and Management | Who best fits this investment style? |
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|---|---|---|---|
| Investment choices | Stocks, bonds, options, exchange traded funds (ETFs), mutual funds and brokered certificates of deposit. | Stocks, bonds, options, ETFs, mutual funds, unit investment trusts, variable annuities and managed accounts | Portfolios constructed based on client goals using stocks, bonds, ETFs, mutual funds, socially responsible strategies and access to full suite of liquid and private placement alternative investments |
| Minimum initial investment | No minimum | $50,000 | $1 million |
| Online and mobile account access | |||
| Dynamic financial planning | |||
| Self-directed investing and trading | |||
| Dedicated financial professional | |||
| Dedicated wealth planning team | |||
| Personalized investment strategies and recommendations | |||
| Investor tools and online research | |||
| Phone support | Call center | Financial advisor direct line | Your wealth team |
| One-on-one consultations, dedicated support | |||
| Active account monitoring and rebalancing* | |||
| Fee types | Fees and commissions | Fees, commissions and advisory fees | Assets under management fees |
| UMB Financial Services, Inc., Form CRS and Regulation Best Interest Disclosures | |||
Invest with purpose
Align your values with your portfolio construction by focusing on environmental, social and corporate governance (ESG) investing. With a responsible ESG portfolio at UMB, you can expect a range of portfolio options, inclusive of domestic mid- and small-cap stocks, international, emerging markets and fixed income Investments that have positive impact.
Learn moreRetirement investing
Understanding your retirement options is critical to mapping your financial plan. An individual retirement account (IRA) offers a compelling combination of benefits: it's flexible, accessible and earnings have a chance to grow over time. Your financial professional can help guide you in selecting the type of IRA that may help you reach your long-term financial goals.
Read moreAre your ready to start investing with UMB? Connect with us at 800.842.9999
The yin and yang of investing
In Chinese philosophy, yin and yang describe how seemingly opposite or contrary forces may actually be complementary, interconnected and interdependent in the natural world. When you look at portfolio management, passive (indexing) and active strategies are the yin and yang of investing.
Investing with purpose: A five-step starter plan for ESG investing
How can I make a difference? It's a question people are increasingly asking themselves. And more importantly, it's one they’re acting on. From monitoring energy consumption and establishing environmental practices, to evaluating the products they purchase and the organizations they support, people are trying to leave a positive imprint however they can.
Healthcare investing with a health savings account3
Health savings accounts are a strategic way to save for your future health expenses, from medical bills and hospital charges to prescriptions and long-term care premiums. To help you optimize your health savings account, UMB offers a unique investment opportunity with HSA Saver®. HSA Saver is an investing platform that allows you to invest your health funds once you reach a minimum account balance of $1,000. Call 866.520.4472 to learn more.
Investment strategies
UMB approaches investments as it approaches financial solutions—one size does not fit all. We know you need an investment partner who can guide you, whether it's simply by providing you with the tools to make your own choices, or offering investment strategies through an investment advisor. Below are some examples of investment strategies to get the conversation started.
- Income investing
Income investing is a good fit for investors looking to generate annual income while managing risk. We can help you create a collection of assets designed to create cash flow in the short- or long-term.
- Growth investing
If you are interested in investments that can appreciate over time, growth investing may be the strategy that works best for you. We can help you find and select investment options with an eye toward long-term capital appreciation.
- Diversified asset mix
For many investors, a diversified portfolio strategy makes the most sense, with assets that blend income generation and capital appreciation. Connect with UMB's financial professionals to talk through the best investment mix to meet your goals
Securities are offered through (1)UMB Financial Services, Inc. Member FINRA, SIPC or (2)UMB Private Wealth Management. UMB Private Wealth Management is a division within UMB Bank, n.a. UMB Bank, n.a. is a subsidiary of UMB Financial Corporation. UMB Financial Services, Inc. is a wholly owned subsidiary of UMB Financial Corporation and an affiliate of UMB Bank, n.a. (3) UMB health savings accounts are offered through UMB Healthcare Services. UMB Investment Management selects mutual funds in various asset classes for inclusion in the UMB HSA Saver Investment Program. UMB Investment Management and UMB Healthcare Services are departments of UMB Bank, n.a. UMB Bank, n.a. is a wholly owned subsidiary of UMB Financial Corporation. UMB Custody Services provides safekeeping and settlement of the mutual fund investments in the UMB HSA Saver investment program. UMB Custody Services is a division of UMB Bank, n.a.
Check the background of UMB Financial Services, Inc. and associated investment professionals on FINRA's BrokerCheck.
Securities and Insurance products are:
NOT FDIC INSURED | NO BANK GUARANTEE | NOT A DEPOSIT | NOT INSURED BY ANY GOVERNMENT AGENCY | MAY LOSE VALUE
*Account monitoring services are not provided for UMB Financial Services, Inc.'s broker/dealer accounts.