Risk tolerance is your willingness to accept fluctuations in your investment value based on your financial goals and comfort level with risk.

Diversification is a strategy that spreads your investments across different asset types to help reduce risk and improve overall stability.

• Trading hours are 9:30 AM – 4:00 PM ET on weekdays (excluding holidays)
• Buy orders execute in near real time
• Sell proceeds typically settle within approximately 2 business days

Guided investing is an automated investment service that builds and manages a portfolio based on your goals and risk tolerance.

An annual asset-based fee of 0.50% (50 basis points) for discretionary investment (guided investments) advisory services will be charged. This fee will be prorated and charged quarterly, in arrears, based on the average daily balance in your account(s) designated to managed portfolio(s) during the prior quarter. Upon termination of services, a prorated fee based on the days remaining in the quarter will be charged. You authorize the charged fee to your funding account or brokerage account.

• Portfolio recommendations tailored to your profile
• Automatic rebalancing
• Optional customization, such as socially responsible investing

• Must be a member age 18 or older in good standing
• Limited to one investment account per primary account holder
• Investments are held with a qualified custodian and are not insured

No. Securities:

• Are not insured by the NCUA or any government agency
• Are not guaranteed by Summit Choice CU
• May lose value

Investing involves risk, including the possible loss of principal.

• Saving: Lower risk, focused on preserving money (e.g., savings accounts).
• Investing: Higher risk, aimed at long-term growth through assets like stocks, bonds, and real estate.

Guided Investing is an automated investment tool that recommends and manages a portfolio based on your risk tolerance, financial goals, and preferences. It uses automated monitoring to rebalance your portfolio on a quarterly basis.

Your risk tolerance is assessed based on factors such as your financial goals, investment timeline, income, savings, and responses to questions about how you handle market fluctuations. We use this information to assign you a risk score that guides our portfolio recommendation.

Once your risk tolerance is determined, Guided Investing recommends a diversified portfolio designed to align with your goals. The portfolios are built using a mix of low cost ETF’s that span across multiple asset classes, such as equities and bonds, to balance risk and potential returns based on your investor profile.

Guided Investing automatically executes trades on your behalf in response to deposits and withdrawals. In addition, we will buy and sell assets to keep your portfolio aligned with your target allocation (rebalancing), as described below.

Your portfolio is automatically rebalanced once per quarter to ensure it stays aligned with the target asset allocation in the selected portfolio. Over time, market fluctuations can cause certain assets to become overweight or underweight in your portfolio. Quarterly rebalancing adjusts your holdings in an effort to maintain your intended risk level. If you deposit additional funds between rebalancing periods, the system will allocate them according to the asset allocation in the selected portfolio without triggering a full rebalance. However, during the next scheduled quarterly rebalance, your asset mix may be adjusted to reflect any market shifts or changes to your investment strategy.

“Robo investing” advisors typically charge a subscription fee or an advisory fee based on a percentage of your invested assets. Third-party fees, such as fund expense ratios, may apply depending on the specific investments within your portfolio.

While Guided Investing recommends an optimized portfolio for you, some customization options may be available, such as choosing socially responsible investments or adjusting your risk tolerance over time. In addition, you may place restrictions on the portfolio by removing particular securities from the portfolio.

If your financial situation, investment goals, or risk tolerance change, it's important to update your investor profile to ensure your portfolio remains aligned with your needs. Based on your updated information, we may recommend a new asset allocation or portfolio strategy during the next quarterly rebalance.

Your investments are held with a qualified custodian, RQD* Clearing, LLC, an SEC-registered broker-dealer and member of FINRA/SIPC. However, as with any investment, there is no guarantee of returns, and your portfolio is subject to market risks.

To get started, you simply need to answer a few questions about your financial goals and risk tolerance. Once your profile is set up, the system will recommend and manage your portfolio automatically.