Investing with UMB HSA Saver

Transcription

1 Investing with UMB HSA Saver Invest Your Way Invest Simply Invest from Anywhere Invest in Real Benefits Invest with Confidence

2 Description Investment Purchase Investment Purchase Dividend Reinvestment Sell Investment Investment Purchase Dividend Reinvestment Date 06/23/ /23/ /05/ /05/ /01/ /01/2013 Status Pending Pending Welcome back, Claire Appleton Available to invest: $3, Log Out View Statements Amount $1,000.00* $500.00* $10.56 ($500.00) $2, $23.01 Invest Confidently Invest Easily UMB HSA Saver is backed by decades of investment experience led by UMB s Chief Investment Officer. 1 HSA Saver pairs that knowledge and experience with an intuitive design to create a powerful yet simple investment tool. After you have reached the required account balance, you can log on to your HSA, open an HSA Saver investment portfolio 2 and start investing. Below is an introduction to our user-friendly features to help you navigate this powerful platform. Dashboard Stay on top of your investments. This is your personalized home page, providing an overview of your investments at a glance. From here, you can view your transaction history, manage your investments or customize your reporting tools, all with the click of a button. manage your investments transaction history HSA Saver Transaction History 1, 2 See back page for disclosures.

3 0.73% Marketplace Find quality investment opportunities. Marketplace makes it easy to navigate and break down your investment options. Invest with confidence knowing the list has been prescreened by UMB for quality. To help make an informed investment decision, Marketplace also provides you with data and performance stats from Morningstar (an independent financial research firm). 3 Once you ve made a decision, add that investment to your cart then specify the amount you want to invest in that fund before checking out. buy and sell holdings select fund name to view more info Show : All Funds (45) My Investment Cart (2) Funds (45) Investment Amount Expense Ratio Morningstar Return Rating TIAA-CREF Growth & Income Instl Category (3 year) $ (TGIRX) 11.92% Large Growth 0.45% Victory Small Company 14.69% Opportunity Large Growth $ (EXTJX) Performance Top 5 Sectors 0.68% 14.96% Large Value purchase n in this funds Quarter End Month End Technology me. 0.66% 15.80% Mid-Cap Blend r Analyst Rating.17% 15.28% Consumer Continue Shopping 1.08% YTD 1 Year 12.26% Mid-Cap Growth Healthcare 0.80% 14.69% 17.63% 14.12% Mid-Cap Value Financials Yr 3 Year 5 Year of this fund s 0.94% 8.46% Small Growth Industrials urn and risk % Add To Cart Add To Cart 500 Top 10 Holdings $1, available to invest 1. Apple 2. Johnson & Johnson 3. Google Class A Purchase Investment 4. General Electric 5. Microsoft 6. Bank of America 7. Chevron 8. PepsiCo Inc 9. JP Morgan Manage Take control of your portfolio. On the Manage page, we ve made maintaining and managing your investments a streamlined process, putting you in control of your portfolio. From here, you can purchase more of a specific holding, sell holdings or even schedule monthly auto investments. auto invest option purchase sell 3 See back page for disclosures.

4 A New Way to Invest in Your Future UMB HSA Saver has been designed to provide a simplified approach to your HSA investments. Backed by UMB s 1 experience and insight, HSA Saver is a powerful tool that just made investing a whole lot easier. Invest Your Way Invest Simply Invest from Anywhere Invest in Real Benefits Invest with Confidence You can invest as little or as much as you like and as often as you like. For one low monthly fee, no fund minimums, and no trading fees. Signing up and choosing your funds takes minutes. And independent data from Morningstar 3 helps you invest with confidence. Our simple site allows quick management of your account. You can research funds,buy, or sell, all from your computer, tablet or smartphone. HSAs have the potential to offer tax-free deposits, tax-free earnings, and tax-free withdrawals - something not seen in other retirement accounts. 4 UMB Investment Management takes the guesswork out of mutual fund selection by vetting mutual funds in various asset classes for inclusion in the UMB HSA Saver Investment Program. Since 1927 UMB has been a trusted provider of experienced investment services. This material is provided for informational purposes only and contains no investment advice or recommendations to buy or sell any specific securities Investors should carefully consider the fund's investment objectives risks, charges and expenses before investing. To obtain a summary prospectus or prospectus containing this and other information, contact UMB Healthcare Services at or view the prospectus provided during enrollment. Please carefully read the summary prospectus or prospectus before investing. 1 UMB Investment Management selects mutual funds in various asset classes for inclusion in the UMB HSA Saver Investment Program. UMB Investment Management is a department of UMB Bank, n.a. UMB Bank, n.a. is a wholly owned subsidiary of UMB Financial Corporation. Investments in securities through HSA investment account are: Not FDIC Insured May Lose Value No Bank Guarantee 2 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. 3 Generally, data on mutual funds is provided by Morningstar, Inc. Although UMB believes the data gathered from these third party sources is reliable, it does not review such information and cannot warrant it to be accurate complete or timely. UMB is not responsible for any damages or losses arising from any use of this third-party information. 4 All mention of taxes is made in reference to federal tax law. State taxes may vary. Consult your tax advisor for details. UMB Healthcare Services and UMB HSA Saver are registered trademarks of UMB Financial Corporation. ACT10i UMB Financial Corporation

5 Leading Class Fund Selection* Using time-tested mutual fund selection methodologies, UMB 1 has hand-picked quality funds for your personal UMB HSA Saver portfolio. 2 TYPE NAME TICKER EXPENSE RATIO US EQUITY All Cap Vanguard Total Stock Mkt Idx Adm VTSAX 0.05% Large Cap TIAA-CREF Growth & Income Instl TIGRX 0.44% Large Cap Touchstone Value Institutional TVLIX 0.67% Large Cap Vanguard 500 Index Adm VFIAX 0.05% Mid Cap TIAA-CREF Mid-Cap Value Instl TIMVX 0.43% Mid Cap Vanguard Mid Cap Index Adm VIMAX 0.09% Mid Cap Victory Munder Mid-Cap Core Growth Y MGOYX 1.07% Small Cap Eagle Small Cap Growth I HSIIX 0.78% Small Cap Vanguard Small Cap Index Adm VSMAX 0.09% Small Cap William Blair Small Cap Value I BVDIX 1.23% INTERNATIONAL Emerging Large Growth Driehaus Emerging Markets Growth DREGX 1.63% Emerging Large Blend Vanguard Emerging Mkts Stock Idx Adm VEMAX 0.15% Large Blend MainStay ICAP International I ICEUX 0.95% Large Blend Vanguard Developed Markets Idx Adm VTMGX 0.09% ALLOCATION Aggressive Vanguard LifeStrategy Growth Inv VASGX 0.17% Conservative Vanguard LifeStrategy Cnsrv Gr Inv VSCGX 0.15% Conservative Vanguard LifeStrategy Income Inv VASIX 0.14% Moderate Vanguard LifeStrategy Moderate Gr Inv VSMGX 0.16% Target Date Vanguard Target Retirement 2015 Inv VTXVX 0.16% Target Date Vanguard Target Retirement 2020 Inv VTWNX 0.16% Target Date Vanguard Target Retirement 2025 Inv VTTVX 0.17% Target Date Vanguard Target Retirement 2030 Inv VTHRX 0.17% Target Date Vanguard Target Retirement 2035 Inv VTTHX 0.18% Target Date Vanguard Target Retirement 2040 Inv VFORX 0.18% Target Date Vanguard Target Retirement 2045 Inv VTIVX 0.18% Target Date Vanguard Target Retirement 2050 Inv VFIFX 0.18% Target Date Vanguard Target Retirement 2055 Inv VFFVX 0.18% Target Date Vanguard Target Retirement 2060 Inv VTTSX 0.18% INCOME Intermediate Term Bond Dodge & Cox Income DODIX 0.44% Intermediate Term Bond Federated Total Return Bond FTRBX 0.36% Intermediate Term Bond Vanguard Total Bond Market Index Adm VBTLX 0.07% Short Term Bond Vanguard Short-Term Bond Index Adm VBIRX 0.20% Short Term Bond Vanguard Short-Term Govt Bd Idx Admiral VSBSX 0.12% *Fund list available as of 9/1/15. Fund list subject to changes. 1, 2 See reverse side for disclosures.

6 For more information on the UMB HSA Saver site or investment strategies, visit hsa.umb.com/individuals or call HSA (4472) This material is provided for informational purposes only and contains no investment advice or recommendations to buy or sell any specific securities Investors should carefully consider the fund's investment objectives risks, charges and expenses before investing. To obtain a summary prospectus or prospectus containing this and other information, contact UMB Healthcare Services at or view the prospectus provided during enrollment. Please carefully read the summary prospectus or prospectus before investing. 1 UMB Investment Management selects mutual funds in various asset classes for inclusion in the UMB HSA Saver Investment Program. UMB Investment Management is a department of UMB Bank, n.a. UMB Bank, n.a. is a wholly owned subsidiary of UMB Financial Corporation. Investments in securities through HSA investment account are: Not FDIC Insured May Lose Value No Bank Guarantee 2 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. 3 Generally, data on mutual funds is provided by Morningstar, Inc. Although UMB believes the data gathered from these third party sources is reliable, it does not review such information and cannot warrant it to be accurate complete or timely. UMB is not responsible for any damages or losses arising from any use of this third-party information. UMB Healthcare Services and UMB HSA Saver are registered trademarks of UMB Financial Corporation. ACT UMB Financial Corporation