Principal Simple Invest

Digital investing with a
human connection.

Call 866-412-0770 to get started
Tablet showing an example of a webpage showing the investment mix selected for an IRA.

This illustration is designed to provide a hypothetical example of a personalized investment mix. It is not indicative of the specific portfolio allocation a customer account will employ at any given time.

A simple process.

You don’t have to figure it all out on your own.

Principal® SimpleInvest uses a robo-advisor to create and automatically adjust an investment mix personalized to you and your financial goals.

Get a closer look at how it works, it only takes a minute.

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The above illustrations are designed to provide a general representation of personalized investment mixes. They are hypothetical examples only and are not indicative of the specific allocation a customer account will employ at any given time.

Get a personalized investment mix.

Our proprietary algorithm puts you at the center of the equation.

We get to know a little about you—like your retirement age, goals, and how you feel about risk—to deliver a personalized investment mix.

What investments are available?

Your account will include Principal proprietary mutual funds and ETFs, with a minimal allocation of cash held in a bank deposit account. We believe a mix of investment management styles is an efficient way to help you meet your goals.

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Sit back and relax with automatic adjustments.

We monitor your investment mix on an ongoing basis and then automatically rebalance and adjust it so it stays aligned with your financial goals.

When your goals change, just update your account and we’ll adjust your investments to match.

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Technology and real people.

You get both a robo-advisor and ongoing financial guidance from a team of experienced professionals. They’ll answer questions about your investments and provide guidance on other financial topics life throws your way.

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Access helpful tools for each life stage.

Get interactive retirement planning tools, articles and checklists sent right to your inbox. We also offer complimentary, ongoing educational materials for other financial considerations beyond retirement.

Ready to get started?

Start with $5,0001 to open a Principal® SimpleInvest IRA.

Give us a call.

866-412-0770

Monday – Friday
8:00 a.m. – 5:00 p.m. CT

Fees1

Total annualized program fee is .85% of your account balance.
Here’s how that breaks down:

Account management fee

Typically an annualized .4% of your account balance.

Varies based on your personalized investment portfolio. The account management fee is debited from your account monthly.

What it’s for

Allows us to monitor and rebalance your account and provide ongoing service and access to financial professionals.

Investment expenses

Typically an annualized .45% of your account balance.

Varies based on your personalized investment portfolio. Investment expenses are taken out of the value of your underlying investments, not debited from your account.

What it’s for

The management of the mutual funds and ETFs in your portfolio. Most investments (no matter who you work with) have underlying expenses and fees.

1 Please refer to Principal Advised Services' Form ADV 2A (PDF) for additional information.

Investment and insurance products are:

  • Not insured by the Federal Deposit Insurance Corporation (FDIC) or any federal government agency.
  • Not a deposit, obligation of, or guaranteed by any Bank or Banking affiliate.
  • May lose value, including possible loss of the principal amount invested.

This information is intended to be educational in nature and is not intended to be taken as a recommendation.

Principal® SimpleInvest is a discretionary investment advisory program that offers diversified investment portfolios for a fee. Principal® SimpleInvest is sponsored and managed by Principal Advised Services, LLC, which consults with Principal Global Investors, LLC in the creation of the portfolios and the selection of the underlying portfolio investments. Principal Global Investors, LLC also provides trading and execution services. Principal Advised Services, LLC and Principal Global Investors, LLC are members of the Principal Financial Group®. Brokerage and custodial services provided by Apex Clearing Corporation, member FINRA, NYSE and SIPC. Apex Clearing Corporation is not affiliated with any member of the Principal Financial Group®. Principal® SimpleInvest portfolios are comprised primarily of Principal® products, including affiliated mutual funds and ETFs.

Please refer to the Form ADV (PDF) and Form CRS (PDF) for Principal Advised Services, LLC, the Miscellaneous Fee Schedule (PDF) for Apex Clearing Corporation, and other applicable disclosures and agreements for important information about Principal® SimpleInvest and its services, fees and related conflicts of interest. All investments have inherent risks. Investing in Principal® SimpleInvest portfolios does not guarantee profit or protect against loss.

Principal, Principal and symbol design, and Principal Financial Group are trademarks and service marks of Principal Financial Services, Inc., a member of the Principal Financial Group®, Des Moines, IA 50392.