Your Retirement Check-Up
Use this tool whether you're just starting or verifying an existing plan.
We are here to help you achieve your financial goals, the way you want to, at every stage of your life. Benefit from the guidance of our experienced BBVA Investments team with Full-Service Brokerage and a dedicated financial advisor or manage your own investments with a Self-Directed Brokerage Account. You can also invest online with our SmartPath® Digital Portfolios offered by BBVA Wealth Solutions.
For individuals residing outside the U.S., we also offer full-service investing through our International Investments division.
Learn more about Investment Solutions
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Access your investment account information anytime, anywhere with the new BBVA Investments Mobile App. Get real-time quotes, plus view your account balances, holdings, activity, order status, and more. If your account type allows, you can even place trades for equities and mutual funds. Download the app today, and start investing on the go.
With a minimum $100 investment and $9.95 trading on stocks, ETFs, and mutual funds, you can manage your investments with a self-directed brokerage account. Within minutes, easily open an account online and begin investing in:
Download the forms below to learn more about our Self-Directed Investments and online access accounts.
With a minimum $10,000 investment and a 0.75% annual fee, our BBVA Wealth Solutions model portfolios are actively managed by portfolio managers and can help you reach your investment goals according to your unique investment profile. Our Risk Tolerance Questionnaire, developed in partnership with Morningstar, will recommend one of the available portfolios based on your timeline, risk tolerance, and overall investment goals:
Designed for the cautious investor with a low risk tolerance and/or a short time horizon. The main objective is to preserve capital while providing income.
Moderate Conservative Model
Appropriate for the investor who seeks both modest capital appreciation and income potential. While this model is designed to preserve capital, fluctuations in the values of the portfolio will likely occur from year to year.
Designed for the investor who seeks relatively stable growth with a lower level of income potential. The main objective is to achieve relatively steady growth while generally attempting to limit fluctuations in the portfolio to less than the overall U.S. equity market.
Moderate Aggressive Model
Designed for investors with a relatively high tolerance for risk and a longer time horizon. The main objective is capital appreciation, and these investors should be able to tolerate fluctuations in portfolio values.
Appropriate for investors who have both a high tolerance for risk and a long investment time horizon. The main objective is to provide high growth without providing current income.
Our trusted investment team can assist you with retirement plans, personal investments, and insurance solutions. Whatever your goal, we’ve got the experience and know-how to help make your money work harder.
Our financial advisors can work with you to establish effective habits that will help you realize your retirement goals. Our Retirement Solutions include:
A business retirement plan provides tax advantages, helps attract and retain employees, and most importantly, provides for retirement. We can assist you in considering solutions that maximize these benefits and navigate the complexities of today's tax environment.
Even if you reside outside the U.S., we have investment solutions available to you. Here are two services we offer to you:
Your cash account is a central brokerage account in the United States. Its primary purpose is the purchase, sale, and custody of investment products. The principal operations that can be performed with a cash account are:
Account statements are issued monthly only when there has been account activity; otherwise, they are delivered quarterly with all account activities, operations details, securities positions, updated portfolio assessment, and available balances. The account statements are delivered by courier.
Once your cash account has been established, it can be converted into a margin account.
Securities and investment products offered through BBVA Investments, a division of BBVA Securities Inc. (“BBVA Investments”), member FINRA and SIPC and an affiliate of BBVA USA. Insurance products are offered through BBVA Insurance Agency, Inc., an affiliate of BBVA USA. Investment advisory services are offered by BBVA Wealth Solutions, Inc. (“BWS”), a registered investment advisor and an affiliate of BBVA USA.
OPTIONS TRADING: Options trading entails a significant level of risk and is not appropriate for all investors. Certain requirements must be met to trade options. Options transactions will be subject to the execution, delivery, and acceptance of separate agreements with Pershing LLC, the clearing firm for BBVA Investments. You should consult with your tax advisor since options trading may affect your tax situation.
TRADING ON MARGIN: All margin transactions will be subject to the execution, delivery, and acceptance of separate agreements with Pershing, LLC, the clearing firm for BBVA Investments. You must always contact BBVA Investments to verify the amount available based on your portfolio before requesting any operation involving margin credit. In some cases, the drop in value of the instruments constituting the guarantee can be so large that it becomes necessary to sell some or all of the portfolio to cover the guarantee proportion established in the margin credit contract. Your loss can be greater than the value of your account. This is why the investor must be aware of the risks involved in this type of account.
EQUITY LINKED CD: Please carefully review the terms and conditions for any Equity Linked CD's in which you invest though your BBVA Investments account for important information related to FDIC deposit insurance. Selling an Equity Linked CD prior to maturity is subject to market fluctuations and proceeds from the sale could be substantially less than the original deposit amount.
MORNINGSTAR: Morningstar Investment Management LLC (“Morningstar”) is a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. Morningstar is not acting in the capacity of investment advisor to individual investors and is not affiliated with BWS or its affiliates. BWS has engaged Morningstar to construct asset allocation models for use by BWS and its financial advisors. Morningstar makes no warranties, expressed or implied, as to results to be obtained from use of information it provides. Morningstar is not responsible for the presentation of performance statistics and other data. The Risk Tolerance Questionnaire (RTQ) presented is a tool made available to BWS through a license agreement between Morningstar and BWS. The RTQ is provided for educational purposes only and its sole purpose is to assist you and BWS in determining your general investment risk capacity and your attitude towards risk. This RTQ only considers the personal and financial information you provide and does not consider all necessary factors used in making an investment decision. The result provided by the RTQ should not be considered the sole source of information used to match your investment needs and objectives to a portfolio or investment product. There is no guarantee that the RTQ or its scoring method perfectly assesses a person's tolerance to risk or attitudes about gains and losses or that the use of the RTQ will result in an asset allocation that appropriately reflects your ability to withstand investment risk. Ultimately, you have the final decision in determining whether to invest in an investment portfolio and its appropriateness for your own particular investment needs and objectives, which may vary from the RTQ profile or score based on additional information not captured by the RTQ. In no way should the use of the RTQ be viewed as advice or establishing any kind of advisory relationship with Morningstar. Any recommendation that BWS may or may not make in which they have relied to some extent on the RTQ remains at the full discretion of BWS. The use of the RTQ should not be construed as a form of endorsement by Morningstar of the recommendation of any investment product by BWS. Please consult with a financial professional and obtain the financial product's prospectus (or its equivalent) and read it carefully prior to investing. ©2018 Morningstar Investment Management LLC. Used with permission. All Rights Reserved.
Links to third party sites are provided for your convenience and do not constitute an endorsement. BBVA USA does not provide, is not responsible for, and does not guarantee the products, services or overall content available at third party sites. These sites may not have the same privacy, security or accessibility standards.
|Securities and Insurance Products:|
|ARE NOT DEPOSITS||ARE NOT FDIC INSURED|
|ARE NOT BANK GUARANTEED||MAY LOSE VALUE|
|ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY|