Investing doesn’t need to be complex or intimidating. Start with just $200. Answer a few basic questions about yourself and your financial goals, and EasyVest’s automated advisor will instantly provide your recommended investment strategy.
EasyVest’s automated digital advisor constantly processes and analyzes live market data to automatically optimize your portfolio based on your goals.
GET STARTED in just a few minutes, simply sign in to JetStream FCU online banking or our mobile app and navigate to EasyVest.
Add to your investment account at any time or set up recurring transfers, all right from your JetStream FCU checking.
By answering a guided series of questions, EasyVest instantly builds a diversified portfolio specifically tailored to your goals and circumstances.
Designed to make investing simple and accessible for anyone who is interested in building wealth but unsure how to get started.
Types of accounts:
Upon opening your EasyVest automated investment account, you will be presented with the fee schedule. There is an account management/advisory fee of 0.5% per year of the value of your EasyVest account, or 0.042% per month, subject to a minimum fee of $0.50 per month. This fee is charged to your EasyVest account on the first day of each calendar month. Other service fees may apply based on your account registration and activity.
You will be opening an EasyVest investment account that invests in securities. Your EasyVest account is not a JetStream Federal Credit Union account or share. The investment account is held at Drivewealth, LLC, a securities brokerage firm, that is not affiliated with the Credit Union. The account is managed by Access Softek Advisory Services, LLC, which is not affiliated with the Credit Union. Your EasyVest automated advisor account is NOT intended to be used as an actively traded brokerage account. It is solely designed to provide a tailored portfolio to meet your stated risk tolerance, investment objective and time horizon.
Our EasyVest automated investment management advisor uses a data-driven algorithm to determine what securities to buy for your account and how much of each security to purchase for your account. In order to make that determination, we gather information from you about you and your investment goals. We use that information to design a portfolio that is recommended for an investor with your objectives, timeline and risk tolerance.
The securities in your account will be “exchange traded funds” (ETFs) selected from a list of ETFs Access Softek Advisory Services has identified. ETFs are regularly evaluated to determine which ETFs work best for our EasyVest account holders, so this list may change from time to time. Each ETF is a diversified investment that may hold a variety of stocks and/or debt securities, depending on the stated strategy of the particular ETF. Your portfolio will also include some cash. More information about the ETFs in which your account may be invested and their strategies and investment categories are available from the EasyVest Investment Chat feature.
Because some ETFs’ market values may increase or decrease more than those of other ETFs, the proportions of the various securities in your account will change over time. The EasyVest algorithm will automatically rebalance your portfolio quarterly to ensure that the proportions of the ETFs in your account are still consistent with the investment goals you provided. EasyVest will also rebalance your portfolio on withdrawals and additional contributions to your investment account.
Yes, when you start the EasyVest investment account opening process select Custodial account. You will need the complete personal information for the minor. Opening a custodial account is a great way to make a financial gift to a minor and help them learn about investing. For a deeper look into the benefits of a custodial account, click here.
Yes, you can set up an automatically recurring transfer from your JetStream FCU checking account. Our maximum recurring transfer amount is $5,000.00. Funding frequency options for recurring transfers are:
From your EasyVest account, navigate to the Transfers & History tab, select Create new transfer, and complete the required fields. It can take 3-5 business days for the transactions to be fully processed due to the time required to buy/sell the securities and move the money to or from your checking/savings account, which happens via ACH transfer.
Your EasyVest account is typically required to sell securities to fund a withdrawal. A sale of securities will likely result in taxable gain or loss for you. You should consult with your own tax advisor before deciding to withdraw funds from your account.
If you make withdrawals from your EasyVest automated advisor investment account before the estimated time horizon you provided when opening your account, your account may not perform as intended. An early withdrawal may result in a loss of principal or subpar performance. The larger the time differential from your stated time horizon, the greater the likelihood of loss or underperformance might be.
What does capital preservation mean?
The investor wants to preserve or protect your capital or principal. In other words, maintain the value of the original investment as much as possible while providing a reasonable return.
What does income mean?
The investor wants to receive regular income from the investment, like dividends or interest payments.
What does growth/income mean?
The investor wants investments that can both grow in value and provide income.
What does growth mean?
The investor’s primary objective is to grow the investment, with regular income payments being less important.
What is rebalancing?
Rebalancing means buy and sell securities for your account to return to the originally recommended ETF percentage allocations for your portfolio, within a designated tolerance.
A prospectus is a legal disclosure document that describes a stock, bond, mutual fund or other security for investors. Prospectuses are created by security issuers.
None = I’m new to the idea of investing.
Limited = I have some investment experience, but I have not made many investments. I understand some aspects of investment markets and risks, but I do not consider myself an investor.
Good = I have made several investment decisions on my own or with the assistance of a professional. I have seen the value of my investments fluctuate both up and down, and I have a good understanding of markets and general risk characteristics.
Extensive = I have invested money numerous times in a variety of investment types, with or without professional assistance. I know how much risk I can take, and I understand the fluctuating nature of investments and securities in general.
Estimate your expected annual income, before taxes, taking into account all your sources of income. You will have an opportunity to update this number at least annually.
Option 1 Lower gains and lower losses preferred.
You prefer a conservative approach with little risk tolerance. Your primary focus is on limiting your losses, and you understand that this choice will also limit your growth opportunities. The portfolios selected for your account will include fewer options than more aggressive portfolios and will primarily focus on ETFs that hold debt securities.
Option 2 Low to moderate gains and losses preferred.
You are a conservative investor, with moderate risk tolerance. You want to include some growth opportunities, as long as losses are still somewhat limited. Your portfolio will include additional investment options that may fluctuate with market gains and losses.
Option 3 Both moderate gains and losses.
You have a moderate risk tolerance, and you prefer investments with a moderate chance of gains or losses. The portfolios selected for you will include a wider range of investment options compared to more conservative portfolios.
Option 4 Moderate to higher gains and losses ok.
You are a moderately aggressive investor if you prefer exposure to investments that have higher possibility of gains, even if that also means a moderate to high risk of losses. These portfolios include additional investment options and higher percentage allocations to investments that are not included in more conservative to moderate portfolio models.
Option 5 High gains and losses.
You are an aggressive investor. You want to allow for both higher gains and losses. These portfolios include a higher percentage allocation to ETFs that have the potential to increase in value, but also a higher probability of losses.
Capital Preservation: Choosing this option suggests that you are a very conservative investor valuing protection of principal over income or growth of that principal.
Income: Choosing this option suggests that you are investing to receive monthly income to live on, and that you are willing to take some risk with your principal.
Growth/Income: Choosing this option suggests that you prefer both current income and future growth, and that you are willing to take risk on the return on principal.
Growth: Choosing this option suggests that your goal is simply to grow your money for future needs, even though that means taking on the risk of loss of principal.
Inside the EasyVest product you will find a Chatbot that is available throughout the product, whether you have an investment account or not. The Chatbot can answer most investor questions and is frequently updated to support any new questions that it was previously unable to handle. In addition, Access Softek’s team of client service specialists are available via email in the event that you can’t find your answer in our chatbot. General requests are typically answered within one business day, but some requests require significant research that may delay our response to you.
Contact information for your investment account is automatically pulled from your online/mobile banking account. Any time you make an update to your email, phone, address, etc., inside digital banking, that information will automatically sync with your investment account the next time that you open the investment portal. If you ever have issues with you’re the contact information on your account, you are welcome to contact us at
Not NCUSIF insured. No Credit Union Guarantee. Not a deposit. May lose value. Not insured by any federal government agency. EasyVest is a micro-investing solution powered by Access Softek, Inc. Brokerage services are offered through DriveWealth LLC, a registered broker-dealer (member FINRA/SIPC). JetStream Federal Credit Union is not registered as a broker-dealer. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Access Softek’s internet-based services are designed to assist clients in achieving discrete financial goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client’s financial situation and do not incorporate specific investments that clients hold elsewhere.