Guided Investments

Smarter Investing, Simplified

Take the guesswork out of investing with Guided Investing — an easy, automated way to build and manage a personalized investment portfolio tailored to your goals and risk tolerance.

What Is Guided Investing?

Guided Investing is an automated investment solution, provided by InvestiFi*, that recommends and manages a diversified portfolio based on your individual financial goals and risk preferences. It’s designed for those who want a hands-off, low-cost approach to investing — without sacrificing strategy or personalization.

  • Tell Us About You: Answer a few simple questions about your financial goals, timeline, and comfort with risk.
  • Get a Personalized Portfolio: Based on your answers, a professionally designed, diversified portfolio using low-cost ETFs across asset classes like stocks and bonds will be recommended.
  • Let It Work for You: Your portfolio is monitored and automatically rebalanced every quarter to stay aligned with your goals — no manual adjustments required.

Ready to Get Started?

Simply log in to your online banking or River Valley app to get started.

Get Started

Why Choose Guided Investing?

Self-directed investing means you make the decisions—you choose what to buy, when to sell, and how to build your portfolio.

  • Diversified—Spread across multiple asset classes to balance risk and return
  • Automated—Ongoing monitoring and rebalancing
  • Personalized—Tailored to your financial goals and preferences
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FAQs

By answering a few questions about your risk tolerance, you create a personalized diversified portfolio based on your risk and goals which will automatically rebalance for a hands-off approach.

You can start a portfolio with as little as $20.

Not necessarily. The platform is designed to be user-friendly and includes tools, research, and market data. This option is best suited for those who are not comfortable making their own investment choices or who are looking for a hands-off approach.

Securities that include ETFs comprised of various stocks and bonds. These vary depending on your investment profile.

Yes! While the platform is self-directed, support is available if you need help navigating the portal or have technical questions. If you need support related to your investment account, we also offer access to licensed financial professionals.

Once you open your guided investment account, you’ll be able to log in securely through the online investment portal to view balances, trade securities and track your portfolio.

River Valley does not provide tax advice. For specific questions, you should consult a tax professional. You can find your consolidated transaction history in the documents section of the investment portal which can be used as a record of gains and losses received from trades.

No, River Valley is not a broker-dealer, does not offer the investments and the investments are not insured by American Share Insurance. All securities and brokerage services are offered by InvestiFi Securities, member FINRA/SIPC.

There are no transaction fees. However, there are annual Assets Under Management (AUM) fees which are charged quarterly.

Available for Personal Accounts 18 and over.

* Investment advisory services provided by AdvisiFi, LLC (“AdvisiFi”), an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. Securities and brokerage products offered by InvestiFi Securities LLC (“InvestiFi Securities”) and RQD* Clearing LLC (“RQD”), SEC-registered broker-dealers, and members FINRA/SIPC. AdvisiFi, InvestiFi Securities and RQD are not affiliates of River Valley Credit Union, Inc. (“Financial Institution”). The Financial Institution does not provide investment advisory or brokerage services, and nothing on this website should be considered an offer, solicitation of an offer, or advice to buy or sell securities or investment products or to open an investment account.

Cash and securities held by RQD are (1) not insured by the FDIC, NCUA or other government agency, or by any private insurance offered in lieu of FDIC or NCUA coverage, (2) not guaranteed, (3) not River Valley Credit Union, Inc. deposits or obligations, and (4) may lose value. Securities and investments offered by InvestiFi Securities involve risk, including possible loss of principal.

Brokerage services are available only to residents of the United States and in jurisdictions where InvestiFi Securities is registered. Please visit [InvestiFi.co/legal] for applicable terms, conditions and important disclosures.

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