Funds for life events and major purchases

Sometimes you need access to more cash to fund a major purchase or life event, such as a wedding, holiday trip, or the arrival of a new baby. Options to consider include asset-secured financing, using your home equity, and loans and lines of credit from U.S. Bank. If you have a longer time horizon, consider a customized investment portfolio plan from U.S. Bank or U.S. Bancorp Investments.

Using investments

Depending on your timeline, creating a custom investment portfolio may be an effective way to fund a major purchase. Wealth Management from U.S. Bank and U.S. Bancorp Investments emphasizes long-term growth and income generation while attempting to minimize risk. We develop customized investment strategies designed to help weather unpredictable conditions in all types of market cycles.

If you prefer to customize your own investment portfolio or use our automated investing solution, we also offer self-directed investing and Automated Investor services from U.S. Bancorp Investments. With Automated Investor, you set your goal – saving for retirement, making a major purchase, or general investing – and we'll invest your money for you. 

Learn more about ways to invest

Using the equity in your home

If you own a home, consider a home equity line of credit or a home equity loan from U.S. Bank to plan for a major purchase.

A home equity line of credit works much like a credit card. Unlike an unsecured credit card, your credit is secured by the equity you have in your home, so interest rates can be lower – potentially making it a better way to borrow money.

A home equity loan can be a great way to pay for one-time major expenses. The principal and interest payments are fixed for the life of the loan.

Compare home equity options

Personal loans and lines of credit

Personal loans and lines of credit from U.S. Bank are unsecured sources of funds to pay for major purchases. Funds for a personal loan are typically received at once and paid back over time. Personal loans can be used for one-time expenses such as the purchase of a car.

Personal lines of credit may give you ongoing access to a revolving credit line that can help pay for incremental expenses over time.

Compare loan options

Liquid asset secured financing

If you are looking for a way to take advantage of unique financing opportunities while maintaining control of your wealth, you may want to consider liquid asset secured financing. This flexible line of credit from U.S. Bank Wealth Management is secured by eligible assets in one or more of your investment accounts. One of our wealth professionals can help you determine if this type of financing may be right for you.

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Insights from our experts

Education savings

If you're saving for future education. look into an education savings account like a 529 plan from U.S. Bancorp Investments.

Learn more

How to use liquid asset secured financing

Leveraging the assets in your investment portfolio can provide quick access to cash.

Read article

3 types of debt to help reach financial goals

Consider leveraged investing as part of your financial strategy.

Read article

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Disclosures

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Investment and insurance products and services including annuities are:
Not a deposit • Not FDIC insured • May lose value • Not bank guaranteed • Not insured by any federal government agency.

U.S. Wealth Management – U.S. Bank | U.S. Bancorp Investments is the marketing logo for U.S. Bank and its affiliate U.S. Bancorp Investments.

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U.S. Bank, U.S. Bancorp Investments and their representatives do not provide tax or legal advice. Each individual's tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

The information provided represents the opinion of U.S. Bank and U.S. Bancorp Investments and is not intended to be a forecast of future events or guarantee of future results. It is not intended to provide specific investment advice and should not be construed as an offering of securities or recommendation to invest. Not for use as a primary basis of investment decisions. Not to be construed to meet the needs of any particular investor. Not a representation or solicitation or an offer to sell/buy any security. Investors should consult with their investment professional for advice concerning their particular situation.

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For U.S. Bank:

Equal Housing Lender. Deposit products are offered by U.S. Bank National Association. Member FDIC. Mortgage, Home Equity and Credit products are offered by U.S. Bank National Association. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice.

U.S. Bank is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Investments, Inc.

U.S. Bank does not offer insurance products. Insurance products are available through our affiliate U.S. Bancorp Investments.

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For U.S. Bancorp Investments:

Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank.

U.S. Bancorp Investments is registered with the Securities and Exchange Commission as both a broker-dealer and an investment adviser. To understand how brokerage and investment advisory services and fees differ, the Client Relationship Summary and Regulation Best Interest Disclosure are available for you to review.

Insurance products are available through various affiliated non-bank insurance agencies, which are U.S. Bancorp subsidiaries. Products may not be available in all states. CA Insurance License #0E24641.

Pursuant to the Securities Exchange Act of 1934, U.S. Bancorp Investments must provide clients with certain financial information. The U.S. Bancorp Investments Statement of Financial Condition is available for you to review, print and download.

The Financial Industry Regulatory Authority (FINRA) Rule 2267 provides for BrokerCheck to allow investors to learn about the professional background, business practices, and conduct of FINRA member firms or their brokers. To request such information, contact FINRA toll-free at 1-800‐289‐9999 or via https://brokercheck.finra.org. An investor brochure describing BrokerCheck is also available through FINRA.

U.S. Bancorp Investments Order Processing Information.

Municipal Securities Education and Protection– U.S. Bancorp Investments is registered with the U.S. Securities and Exchange Commission and the Municipal Securities Rulemaking Board (MSRB). An investor brochure that describes the protections that may be provided to you by the MSRB rules and how to file a complaint with an appropriate regulatory authority is available to you on the MSRB website at www.msrb.org.