Investing with UnionBanc Investment Services
No matter your investment goals, we have solutions to help you achieve them.
Managed Accounts vs. Brokerage Accounts
If you are seeking professional portfolio management where you pay a single asset-based fee, consider a Managed Account. If you prefer to work with an advisor on a per-transaction fee basis, a Brokerage Account may be a better fit.
Investing can be complicated. Market uncertainty, shifting investment landscapes, and complex financial options can be a lot to manage on your own. Our Financial Advisors have the expertise to manage day-to-day investment decision-making and offer ongoing investment advice.
Work with a Financial Advisor to develop your investment strategy
Hold either your entire portfolio or portions of it within a broad range of accounts
We meet with you regularly to review your investments and adjust as necessary
Managed Account Investment Strategies
Fund Strategist Portfolio
A strategically chosen and managed set of mutual funds and/or Exchange Traded Funds (ETFs) that cover a broad range of strategies and are designed to meet various investment time horizons and risk tolerances
Investment minimum: $50,000
Separately Managed Account
A portfolio of individually owned securities, managed by a third-party investment manager, that can be tailored to fit your investing preferences. You may invest in specific asset classes or choose specific investment styles employed by an asset manager.
Investment minimum: $100,000
Unified Managed Account
An account that allows you and your Financial Advisor to design a portfolio by combining mutual funds, ETFs and/or separately managed accounts in a single diversified account.
Investment minimum: $100,000
Dynamic Investment Strategy
A strategically chosen and managed set of mutual funds or ETFs provided by the Bank that cover a broad range of strategies designed to meet various investment time horizons and risk tolerances
Investment minimum: $250,000
Customized Investment Strategy
Fully customized portfolios designed by a Union Bank Portfolio Manager based on specific investment objectives and needs for asset preservation, income, or appreciation. Portfolios are based on risk tolerance, time horizon, and investment objectives as identified in your personal profile.
Investment minimum: $1,000,000
For clients with more complex wealth management and investment needs, The Private Bank at Union Bank offers a team of advisors to help you tailor an investment strategy to meet your unique objectives.
Fund Strategist Portfolio
Fund Strategist Portfolio
A strategically chosen and managed set of mutual funds and/or Exchange Traded Funds (ETFs) that cover a broad range of strategies and are designed to meet various investment time horizons and risk tolerances
Investment minimum: $50,000
Separately Managed Account
Separately Managed Account
A portfolio of individually owned securities, managed by a third-party investment manager, that can be tailored to fit your investing preferences. You may invest in specific asset classes or choose specific investment styles employed by an asset manager.
Investment minimum: $100,000
Unified Managed Account
Unified Managed Account
An account that allows you and your Financial Advisor to design a portfolio by combining mutual funds, ETFs and/or separately managed accounts in a single diversified account.
Investment minimum: $100,000
Dynamic Investment Strategy
Dynamic Investment Strategy
A strategically chosen and managed set of mutual funds or ETFs provided by the Bank that cover a broad range of strategies designed to meet various investment time horizons and risk tolerances
Investment minimum: $250,000
Customized Investment Strategy
Customized Investment Strategy
Fully customized portfolios designed by a Union Bank Portfolio Manager based on specific investment objectives and needs for asset preservation, income, or appreciation. Portfolios are based on risk tolerance, time horizon, and investment objectives as identified in your personal profile.
Investment minimum: $1,000,000
For clients with more complex wealth management and investment needs, The Private Bank at Union Bank offers a team of advisors to help you tailor an investment strategy to meet your unique objectives.
With a Brokerage Account, we provide guidance based on your short- and long-term goals and risk tolerance, and help you invest in listed securities in all major U.S. markets.
Choose from a wide range of investments on a commission-based fee structure
Enjoy personal guidance from your Financial Advisor
Place trades and access real-time market data through online investing
No minimum investment required
Our Brokerage Options
Fixed Income Investments
Fixed Income Investments are an essential asset class for individuals, corporations, or foundations. UnionBanc Investment Services is one of the few remaining banks to offer clients direct access to institutional-level offerings of all types, including the following:
•Money Market Funds: A safer liquid alternative that provides current income with a stable value and daily liquidity.
•Treasury/Agency Bills, Notes and Bonds: Regarded as one of the safest investment alternatives, as the principal and interest is guaranteed by the U.S. government. Maturities are available up to 30 years and offer tax-advantaged income or zero-coupon capital appreciation.
•Municipal Securities: Issued by states, municipalities, or counties to finance capital expenditures; are exempt from federal taxes and often state taxes; and typically pay interest every six months.
•Corporate Notes, Bonds and Commercial Paper: Debt of various maturities issued by public and private companies with various credit ratings that pays high levels of taxable income.
Mutual Funds and Exchange Traded Funds
Mutual Funds are investment vehicles operated by professional money managers that invest in a diversified basket of securities, which can include individual stocks, bonds, money market instruments, and other assets. They offer the average investor a simple way to diversify their portfolio without having to purchase and/or manage a number of individual securities.
And, generally speaking, the low minimum investment required for many mutual funds makes them accessible to a wide range of investors. For these reasons, a mutual fund is one of the most popular investment vehicles.
Exchange Traded Funds or ETFs are similar to mutual funds in that they represent a diversified portfolio of stocks and bonds. But ETFs are traded on the stock exchange—which means the price of shares is determined by the current market value while a mutual fund’s share price is calculated once a day. There is no minimum investment required other than the cost of one share.
Annuities
An annuity is an investment contract with an insurance company which manages your investment on your behalf. You can buy an annuity with a single payment or make periodic payments.
Annuities have two broad phases:
We offer three types of annuities:
•A fixed annuity pays a set rate of return on your money — guaranteed for a specific time period — so you are protected against market volatility
•A fixed index annuity offers market participation and opportunity growth and principal protection in the event of a down market
•A variable annuity gives you the opportunity to earn higher returns by investing in a diversified portfolio of securities. It is subject to greater volatility however, including the risk of loss of principal
A fixed annuity might be a good choice for a conservative investor in or near retirement who wants guaranteed income. A variable annuity could help a younger or more-aggressive investor build a retirement nest egg.
529 Plans and 401(k) Plans
529 plans are tax-advantaged savings plans specifically designed to pay for future education costs. Legally known as “qualified tuition plans,” 529 plans are sponsored by states, stage agencies, or educational institutions.
401(k) plans are savings and retirement plans offered by employers. 401(k) plans offer tax breaks for employees as 401(k) contributions are taken before federal or state taxes are withdrawn.
Portfolio Connection and BDSP
Portfolio Connection® is our money management brokerage account that lets you combine your investments and personal cash management into one convenient account. By doing so you can:
You may also earn interest on uninvested cash in your brokerage account through the Bank Deposit Sweep Program.
The Bank Deposit Sweep Program (BDSP) allows cash balances (or free credit balances) to be automatically “swept” into an interest-bearing deposit account at MUFG Union Bank, N.A.
Once swept into the BDSP, they are covered by FDIC insurance up to the permissible limits. Uninvested funds swept back into your UBIS brokerage account can then be used to purchase stocks, bonds, mutual funds and other securities.
See below for current BDSP rates.
Fixed Income Investments
Fixed Income Investments
Fixed Income Investments are an essential asset class for individuals, corporations, or foundations. UnionBanc Investment Services is one of the few remaining banks to offer clients direct access to institutional-level offerings of all types, including the following:
•Money Market Funds: A safer liquid alternative that provides current income with a stable value and daily liquidity.
•Treasury/Agency Bills, Notes and Bonds: Regarded as one of the safest investment alternatives, as the principal and interest is guaranteed by the U.S. government. Maturities are available up to 30 years and offer tax-advantaged income or zero-coupon capital appreciation.
•Municipal Securities: Issued by states, municipalities, or counties to finance capital expenditures; are exempt from federal taxes and often state taxes; and typically pay interest every six months.
•Corporate Notes, Bonds and Commercial Paper: Debt of various maturities issued by public and private companies with various credit ratings that pays high levels of taxable income.
Mutual Funds and Exchange Traded Funds
Mutual Funds and Exchange Traded Funds
Mutual Funds are investment vehicles operated by professional money managers that invest in a diversified basket of securities, which can include individual stocks, bonds, money market instruments, and other assets. They offer the average investor a simple way to diversify their portfolio without having to purchase and/or manage a number of individual securities.
And, generally speaking, the low minimum investment required for many mutual funds makes them accessible to a wide range of investors. For these reasons, a mutual fund is one of the most popular investment vehicles.
Exchange Traded Funds or ETFs are similar to mutual funds in that they represent a diversified portfolio of stocks and bonds. But ETFs are traded on the stock exchange—which means the price of shares is determined by the current market value while a mutual fund’s share price is calculated once a day. There is no minimum investment required other than the cost of one share.
Annuities
Annuities
An annuity is an investment contract with an insurance company which manages your investment on your behalf. You can buy an annuity with a single payment or make periodic payments.
Annuities have two broad phases:
We offer three types of annuities:
•A fixed annuity pays a set rate of return on your money — guaranteed for a specific time period — so you are protected against market volatility
•A fixed index annuity offers market participation and opportunity growth and principal protection in the event of a down market
•A variable annuity gives you the opportunity to earn higher returns by investing in a diversified portfolio of securities. It is subject to greater volatility however, including the risk of loss of principal
A fixed annuity might be a good choice for a conservative investor in or near retirement who wants guaranteed income. A variable annuity could help a younger or more-aggressive investor build a retirement nest egg.
529 Plans
and 401(k) Plans
529 Plans and 401(k) Plans
529 plans are tax-advantaged savings plans specifically designed to pay for future education costs. Legally known as “qualified tuition plans,” 529 plans are sponsored by states, stage agencies, or educational institutions.
401(k) plans are savings and retirement plans offered by employers. 401(k) plans offer tax breaks for employees as 401(k) contributions are taken before federal or state taxes are withdrawn.
Portfolio Connection and BDSP
Portfolio Connection and BDSP
Portfolio Connection® is our money management brokerage account that lets you combine your investments and personal cash management into one convenient account. By doing so you can:
You may also earn interest on uninvested cash in your brokerage account through the Bank Deposit Sweep Program.
The Bank Deposit Sweep Program (BDSP) allows cash balances (or free credit balances) to be automatically “swept” into an interest-bearing deposit account at MUFG Union Bank, N.A.
Once swept into the BDSP, they are covered by FDIC insurance up to the permissible limits. Uninvested funds swept back into your UBIS brokerage account can then be used to purchase stocks, bonds, mutual funds and other securities.
See below for current BDSP rates.
Bank Deposit Sweep Account Rates
Rates effective 07/21/2022
Account Daily Balance | Interest Rate % | Annual Percentage Yield (APY)% |
---|---|---|
$0.01-$49,999.99 | 0.02% | 0.02% |
$50,000-$99,999.99 | 0.02% | 0.02% |
$100,000-$249,999.99 | 0.02% | 0.02% |
$250,000-$499,999.99 | 0.03% | 0.03% |
$500,000-$999,999.99 | 0.03% | 0.03% |
$1 million & over | 0.05% | 0.05% |
Meet with a Financial Advisor
Ready to invest? We're ready too. Let us introduce you to your UnionBanc Investment Services Financial Advisor.
Please refer to our Terms & Disclosures
Brokerage and investment advisory services offered by UnionBanc Investment Services LLC, an SEC-registered broker-dealer, investment adviser, member FINRA / SIPC, and subsidiary of MUFG Union Bank, N.A. Insurance services offered by UnionBanc Insurance Services, a division of MUFG Union Bank, N.A., having a California domicile and principal place of business at 1201 Camino Del Mar, Suite 208, Del Mar, CA 92014. California State Insurance License No. 0817733. Non-deposit investment and insurance products: • Are NOT deposits or other obligations of, or guaranteed by, the Bank or any Bank affiliate • Are NOT insured by the FDIC or by any other federal government agency • Are subject to investment risks, including possible loss of the principal amount invested • Insurance and annuities are products of the insurance carriers.