Self Directed Investing
Investing independently with UMB Financial Services, Inc.1
If you are a confident and independent investor who prefers to dig into the investing details solo, we have a wide range of investment choices, data and tools at your disposal. With our online, self-directed brokerage account you can research, select, purchase, monitor and manage your investment portfolio.
Self Directed Investing
Investing independently with UMB Financial Services, Inc.1
If you are a confident and independent investor who prefers to dig into the investing details solo, we have a wide range of investment choices, data and tools at your disposal. With our online, self-directed brokerage account you can research, select, purchase, monitor and manage your investment portfolio. Differentiator component
Robust trading platform and tools
Conveniently manage your brokerage account and trades online, and use our investor tools and research to feel confident in your selections.
Transparent fees
Our fee structure is simple and straightforward. No hidden fees, no fine print. You can choose the level of service or support you want.
No minimum initial investment
Whether you’re just getting started or interested in a more hands-on investing experience, UMB makes it accessible with no-minimum balance brokerage accounts.
Your UMB brokerage experience
- Online and mobile account access.
- Planning calculators and investor tools.
- Fund ratings from Morningstar.
- Stock analyst research.
- Service and support through our brokerage call center.
Account features
Brokerage account options
Depending on your needs, we have several account options to choose from:
- Individual accounts
- Joint accounts
- Custodial accounts
- Transfer on death accounts
- Trust accounts
Brokerage investment solutions
- Stocks
- Bonds
- Mutual funds
- Options
- Brokered certificates of deposit
Investing independently with your UMB health savings account2
Health savings accounts (HSAs) are a strategic way to save for your future health expenses, from medical bills and hospital charges to prescriptions and long-term care premiums. Your HSA funds are yours until you spend them—no matter if you change jobs, retire, switch health plans or move to another state.
To help you optimize your HSA funds, 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.
Five things to know about bonds
Bonds are a risk-mitigating asset class. They lower the total volatility of portfolio returns and provide protection against turbulence in the global economy and equity markets. Yields and returns are currently below long-term averages, but bonds still play an important role in portfolio diversification and risk management.
Are you financially ready for retirement?
Retiring is one of the largest transitions a person will encounter in their lifetime, yet only one-third of Americans feel they are ready for retirement
Looking for investment recommendations?
If you're interested in investment recommendations from a financial professional rather than a self-directed investment experience, connect with us at 800.842.9999. Our investment philosophy is collaborative with a comprehensive approach to your investment journey. Our data-driven investment selections and in-depth research, paired with insight from your advisor, can help guide your investment plan.
If you have questions about your brokerage account, connect with us at 800.842.9999
Investing with professional assistance1
Find out more about working with a UMB financial professional to develop a diversified portfolio based on your goals and risk tolerance, which can include ongoing account monitoring and rebalancing services with UMB Managed Account Solutions.
Custom portfolio construction and management3
We deliver a full-service experience with a dedicated wealth advisor team providing customized investment guidance based on your goals.
Securities are offered through (1) UMB Financial Services, Inc., Member FINRA, SIPC or (3) 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.
(2) 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