HOW IT WORKS
Start investing in 3 easy steps
1. Take the assessment
Give us a few quick answers about your goals, your investment timeline, and your thoughts on risk versus reward.
2. See custom investment model
Based on your answers, we’ll show you a model portfolio and potential performance over your investment timeline.
3. Start an account
With a starting deposit of $10,000, you can open an online account and get started right away. A low annual fee of .75% keeps costs down.
The BBVA Wealth Solutions approach to online investing
Why do we have a risk tolerance quiz?
There’s a reason we ask you to take an investment risk profile quiz. It’s because successful investing is possible when a portfolio matches your comfort level for risk. Our quiz is a simple and effective way to gauge risk tolerance factors against your personal inclination.
What is an asset allocation strategy?
Asset allocation is an investment strategy that manages a balance of risk versus reward by adjusting your investments according to your risk tolerance, goals and investment time frame.
There’s an investment portfolio for every person
Based on your quiz results, we’ll recommend an online managed account that matches your risk tolerance and time horizon to a strategic asset allocation plan. Whichever you choose, your portfolio will be managed by a knowledgeable professional.
- Ideal investor: Has both a high tolerance for risk and a long investment time horizon.
- Main objective: Provide high growth without providing current income.
Moderate Aggressive Model
- Ideal investor: Has relatively high tolerance for risk and a longer time horizon. Can tolerate fluctuations in portfolio values.
- Main objective: Capital appreciation.
- Ideal investor: Seeks relatively stable growth with a lower level of income potential.
- Main objective: Achieve relatively steady growth while generally attempting to limit fluctuations in the portfolio to less than the overall U.S. equity market.
Moderate Conservative Model
- Ideal investor: Seeks both modest capital appreciation and income potential.
- Main objective: Preserve capital with some fluctuations in the values of the portfolio.
- Ideal investor: Cautious with a low risk tolerance and/or a short time horizon.
- Main objective: Preserve capital while providing income.
Your quick investment account tutorial
Opened in the name of one person with all tax reporting being performed under the Social Security number of that individual.
An account owned by two or more people. Tax reporting is performed under the Social Security number of the primary account holder.
Roth IRA - Rollover
A type of individual retirement account where contributions are made with after-tax dollars and distributions are tax-free in certain conditions.
Roth IRA - Participant
An IRA funded with after-tax dollars, offering the opportunity for federal tax-free growth and withdrawals. Contributions are subject to income limitations.
Traditional IRA - Rollover
The IRA often used when changing jobs or retiring. Assets are distributed from an employer sponsored plan and can be moved into another IRA without tax penalties.
Traditional IRA - Participant
This plan allows you to contribute a limited yearly sum toward retirement. Contributions may be tax-deductible. Future taxes on capital gains and interest are deferred.
Details you need to make a smart decision
Securities and investment products offered through BBVA Investments, a division of BBVA Securities Inc., 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., 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 consultants. 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 BBVA Investments. 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 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|