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Investing with us

Investing With Us

invest the way you want. we can show you how.

Investing With Us

invest the way you want. we can show you how.

Self-directed Trading

Managed Portfolio

Self-directed Trading

Managed Portfolio

Investing With Us

invest the way you want. we can show you how.

Self-Directed Trading

Managed Portfolio

Choose how you want to invest with us

Whether you’re new to investing, an experienced trader or somewhere in between, we offer investment choices with some of the lowest commissions in the industry.

Self-Directed Trading

For the hands-on investor.

Start Trading

Features

    • No commission fee on U.S. listed stocks and ETFs
    • No commissions on option trades and competitive contract fee of just 50¢ per contract 
    • A wide variety of investment choices built with the do-it-yourself investor in mind
    • In-depth research and market analysis tools to support all types of investment strategies

Investment choices

• Commission-free stocks

• Commission-free ETFs

• Commission-free options

• Bonds

• Mutual funds

• Margin account

Pricing

STOCKS AND ETFS

COMMISSION

$0

NO ACCOUNT MINIMUM

OPTIONS

COMMISSION

$0

+50¢ PER CONTRACT FEE

NO ACCOUNT MINIMUM

Trading Commissions

Learn about ETFs

Learn about options trading

Straight talk fees guide

About Our Commissions

Managed Portfolios

Not your average robo-advisor. 

Learn More

Features

    • Get started with $100
    • No advisory fees, annual charges or rebalancing fees, and 30% of your portfolio is set aside as an interest-earning cash buffer
    • We recommend and manage a professionally designed portfolio based on your personal goals, timeframe and risk tolerance
    • We’ll monitor and automatically rebalance your portfolio to make sure your plan stays on track

Portfolios for every type of individual investor

We’ll recommend one based on what matters to you.

    • Socially responsible
    • Shaped by companies with ethical track records, you’ll only invest in businesses that actively practice sustainability, energy efficiency or other environmentally-friendly initiatives.
    • Tax optimized
    • If you make after-tax contributions to an investment account, this type can help maximize your investments.
    • Core
    • Highly diversified across domestic, international and fixed-income assets. You can choose the amount of risk you are comfortable with, from conservative to aggressive.
    • Income
    • This portfolio type offers higher dividend yields, while maintaining a more conservative risk profile.

Self-Directed Trading

For the hands-on investor

Open Account

Features

    • No commission fee on all U.S. listed stocks and ETFs
    • No commissions on option trades and competitive contract fee of just 50c per contract 
    • A wide variety of investment products built with the do-it-yourself investor in mind
    • In-depth research and market analysis tools to support all types of investment strategies

Investment Choices

• Commission-free stocks

• Commission-free ETFs

• Commission-free options

• Bonds

• Mutual funds

• Margin account

Pricing

STOCKS AND ETFS

COMMISSION

$0

NO ACCOUNT MINIMUMS

OPTIONS

COMMISSION

$0

+50¢ PER CONTRACT FEE

NO ACCOUNT MINIMUM

Trading Commissions

Learn About ETFs

Learn About Options Trading

Straight Talk Fees Guide

About Our Commissions

Managed Portfolios

Not your average robo-advisor. 

Learn More

Features

    • Get started with $100
    • No advisory fees, annual charges or rebalancing fees, and 30% of your portfolio is set aside as an interest-earning cash buffer
    • We recommend and manage a professionally designed portfolio based on your personal goals, timeframe and risk tolerance
    • We’ll monitor and automatically rebalance your portfolio to make sure your plan stays on track

Portfolios for every type of individual investor

We’ll recommend one based on what matters to you.

    • Socially responsible
    • Shaped by companies with ethical track records, you’ll only invest in businesses that actively practice sustainability, energy efficiency or other environmentally-friendly initiatives.
    • Tax-Optimized
    • Great for investors in higher tax brackets. If you make after-tax contributions to an investment account, this type can help maximize your investments.
    • Core
    • Highly diversified across domestic, international and fixed-income assets. You can choose the amount of risk you are comfortable with, from conservative to aggressive.
    • Income
    • Ideal if you are currently near or in retirement. This portfolio type offers higher dividend yields, while maintaining a more conservative risk profile.

Questions? We're here to help — 24/7. 
Call us at 1-855-880-2559.

Why invest with us?

We offer a wide selection of resources to help investors of all experience levels make the most of their investments, including advanced charting tools and numerous calculators.

Intuitive Trading Experience

We offer web-based trading on a streaming HTML 5 platform. Our dynamic trading experience means investors can manage their accounts, access their portfolios and make trades seamlessly across multiple devices. You can also access your account with mobile and tablet apps for iPhone and Android.

  • Intuitive trading experience

    We offer web-based trading on a streaming HTML 5 platform. Our dynamic trading experience means investors can manage their accounts, access their portfolios and make trades seamlessly across multiple devices. You can also access your account with mobile and tablet apps for iPhone and Android.

Customer Service

We take pride in providing our clients with the best customer service possible. When you contact us, you'll have 24/7 access to brokers who can answer your investment questions.

  • Customer service

    We take pride in providing our clients with the best customer service possible. When you contact us, you'll have 24/7 access to brokers who can answer your investment questions.

Build Your Knowledge

Access informational articles provided by Ally Invest to help you improve your understanding of investment strategies and market trends.

  • Build your knowledge

    Access informational articles provided by Ally Invest to help you improve your understanding of investment strategies and market trends.

Seamless transfers

Effortlessly move up to $250,000 a day from your Ally Bank account to your Ally Invest account, or vice versa. Many transfers occur within minutes during market hours. Learn about transfer speeds

  • Seamless transfers

    Effortlessly move up to $250,000 a day from your Ally Bank account to your Ally Invest account, or vice versa. Many transfers occur within minutes during market hours. Learn about transfer speeds

Account protection

Ally Invest is a member of the Securities Investor Protection Corporation (SIPC), which covers customer claims up to $500,000, including a maximum of $250,000 for cash claims. While SIPC protects your funds in the case that Ally Invest fails, it does not protect against investment losses from the market. Learn more about SIPC protection

 

Ally Invest also has an additional coverage up to $37.5 million, including up to $900,000 in cash with an aggregate cap of $150 million.

 

Please note that protection does not cover forex trading.

Select your investment approach

Self-directed trading

For investors who want to manage their own portfolio, you can start trading stocks and ETFs for $0 with no account minimums. Other fees may apply. 

Open Account

Explore self-directed trading

Managed portfolios

Automated portfolios managed by a team of investment specialists. There are no advisory fees, annual charges or rebalancing fees. All you need is $100 to get started. 

Create Your Plan

Explore managed portfolios

Ally Invest Securities' background can be found at FINRA's BrokerCheck. Options involve risk and are not suitable for all investors.

 

Review the Characteristics and Risks of Standardized Options brochure before you begin trading options. Options investors may lose the entire amount of their investment in a relatively short period of time.

 

If you have questions regarding your taxes, please visit IRS.gov or consult a tax professional. Ally Invest does not provide any tax advice.

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Options Trading

Options involve risk and are not suitable for all investors. Options investors may lose the entire amount of their investment in a relatively short period of time.

Prior to buying or selling options, investors must read the Characteristics and Risks of Standardized Options brochure (17.8 MB PDF), also known as the options disclosure document. It explains in more detail the characteristics and risks of exchange traded options.

November 2012 Supplement (PDF)

October 2018 Supplement (PDF)

You can also request a printed version by calling us at 1-855-880-2559.

Straight Talk Fees Guide

With any investing approach, high expenses can have a big impact on your returns. That's why we have affordable, competitive fees and low commissions that won't get in the way of your financial goals.

  • SEC

    .0218 per $1,000 principal (sells only)

  • ORF (Options Regulatory Fee)

    0.0379 per contract (buys and sells)

  • TAF (Trading Activity Fee)

    .000119 per share (equity sells)

  • TAF (Trading Activity Fee)

    .002 per contract (option sells only)

Financial Industry Regulatory Authority (FINRA) transaction fee (TAF) This fee is charged on all stock and ETF sales at a rate of $.000119 per share with a minimum charge of $0.01 and a maximum charge of $5.95. This fee is rounded up to the nearest penny. Bonds are also subject to a TAF fee and can be charged up to $0.75 per bond traded, regardless of the bond's par value.

Cash balances do not currently earn interest. You may request that your account be enrolled in an interest-bearing Federal Deposit Insurance Corporation (FDIC) insured deposit sweep program. See current yield and additional information

  • IRA Annual Fee

    None

  • IRA Transfer Fee

    $50.00

  • IRA Closure Fee

    IRA closure fee is charged for full IRA distributions and full ongoing account transfers.

    $25.00

  • ACAT Transfer Out

    $50.00

  • Partial ACAT Transfer Out

    $50.00

  • Outgoing Domestic Wire Transfer

    $30.00

  • Overnight Delivery

    $50.00

  • Check Withdrawal

    $5.00

  • Check Stop Payment

    $30.00

  • Returned Checks

    $30.00 Plus interest for any trades from the earlier of the settlement date or date of deposit

  • Returned ACH

    $30.00

  • Returned Wires

    Applies to attempted third-party wires

    $30.00

  • Pre Pay Settlement Fee

    $20.00

  • Stock Certificate Deposit DTC Rejection Fees

    $175.00

  • Stock Certificate Deposit Processing Fee

    Commission on stock certificate deposited into Ally Invest will be equal to 5% of the principal amount of the trade. Stock Certificates cannot be used to fund a new account.

    $300.00 per certificate

  • Non-transferable security charge per position.

    $20.00 per month

  • Vault Fee

    Restricted certificates held for missing paperwork, certificates for securities that are not DTC eligible, etc.

    $60.00 per year charged monthly

  • Outgoing DTC

    Electronic delivery of individual certificates via Depository Trust Company

    $25.00 per position

  • DWAC Transfer Fee Per Position

    $50.00 + Any transfer agent fees up to $150.00

  • DRS Transfer Fee Per Position

    $115.00 per position

  • Paper Statements

    $4.00 per account statement

  • Phone Assisted Orders

    $20.00 + regular commission

  • Limited Trading Authorization (LTA) paper statement fee

    Required for all accounts that have LTA

    $4.00 per account statement

  • Paper Confirmations

    $2.00

  • 1099 Request for Exempt Accounts

    $50.00

  • Tax document requests by fax and regular mail

    $50.00

  • Option Exercise

    $0

  • Option Assignment

    $0

  • Option Position Management

    $100.00 regular commission

  • Option Expiration Sellouts

    $40.00 + regular commission

  • Margin Sellouts

    $40.00 + regular commission

  • Restricted Accounts, and Broker-Assisted Trades

    $20.00 + regular commission

  • Short Stock

    Loan charges on hard to borrow stock.

    Daily charge at cost

  • Worthless Securities Processing

    $30.00 Other fees may apply

  • Reg T Extension

    $10.00 + interest to settlement date

  • Foreign Stock Transaction Fee (not ADRs)

    $50.00 + regular commission

  • Foreign Stock Incoming Transfer Fee

    $50.00 per position

  • ADR and other foreign stock semi-annual charges

    At cost

  • Voluntary Reorganization

    $50.00

  • Entity Account Opening Fee

    None

  • Entity Account Annual Fee

    None

  • Index Products

    Ally Invest charges this additional per contract cost on certain index products where the exchange charges fees. See a full list of index options that incur additional fees.

    $0.35 per contract

  • Penny Stocks

    For stocks priced less than $2.00, there’s an additional penny per share charge and the maximum commission per order generally doesn’t exceed 5% of the trade value.

    $0.01 per share

  • OTCBB and Pink Sheet Stocks

    Minimum investment of $100 per trade

  • Unit Investment Trust

    Purchase: $0 (Subject to charges from the UIT), Sale: $9.95

Other Transfer Agent and Trade Settlement charges for certain securities may be passed through to you by our clearing firm.

About Our Commissions

Commissions and fees from published websites are current as of 10/09/2019. Some brokers may offer more competitive fees than the ones published if certain balances or levels of activity are met. You should contact your broker to confirm their commission schedule.

Pricing information

We offer competitive pricing of $0 per equity trade and 50¢ per options contract for all investors. We charge an additional 35¢ per contract on certain option index products where the exchanges charge a fee.

Low-Priced Securities Pricing

We require a minimum opening purchase order of $100 per order in OTCBB and Pink Sheet stocks, and add 1¢ per share on the entire order for stocks priced less than $2. We don’t accept opening trades for stocks below 1¢ per share. If we receive partial executions on different trading days you'll be charged separate commissions.

Commissions for Mutual Funds

LOAD

Purchases: $0 (subject to change from mutual fund)  Sale: (subject to change from mutual fund)

NO LOAD

Purchases: $9.95 Sales: $9.95

  • LOAD

    Purchases: $0 (subject to change from mutual fund)  Sale: (subject to change from mutual fund)

  • NO LOAD

    Purchases: $9.95

    Sales: $9.95

Commissions for Bonds and CDs

BONDS

$1.00 per bond ($10.00 minimum, $250.00 maximum) per transaction. 

TREASURIES

$1.00 per bond ($10.00 minimum, $250.00 maximum) per transaction. 

CERTIFICATES OF DEPOSITS

$24.95 per transaction

  • BONDS

    $1.00 per bond ($10.00 minimum, $250.00 maximum) per transaction

  • TREASURIES

    $1.00 per bond ($10.00 minimum, $250.00 maximum) per transaction

  • CERTIFICATES OF DEPOSITS

    $24.95 per transaction

Ally Invest may act as principal on any fixed-income transaction. When acting as principal, we will add a markup to any purchase, and subtract a markdown from every sale. This markup or markdown will be included in the price quoted to you and you will not be charged any commission or transaction fee for a principal trade.

Transfers timeline

Transfers from Ally Bank to any Ally Invest account and transfers from Self-Directed to Ally Bank only take a minute or two to complete during market hours.

 

Ally Invest Managed Portfolios to Ally Bank transfers take up to 5 business days.

Account Types

Request Time

Delivery Speed

Transfers between Ally Bank and any Ally Invest Account

MONDAY  - FRIDAY

Between 7:00 am ET and 3:55 pm ET

1 - 2 minutes

Transfers between Self-Directed and Ally Bank

MONDAY  - FRIDAY

Between 7:00 am ET and 3:55 pm ET

1 - 2 minutes

Transfers between Managed Portfolios and Ally Bank

MONDAY  - FRIDAY

Between 7:00 am ET and 3:55 pm ET

Up to 5 business days

Equity Trades

Standard Pricing

$0

Schwab

$0

TD Ameritrade

$0

E*Trade

$0

Wells Trade

$5.95

  • $0

  • Schwab

    $0

  • TD Ameritrade

    $0

  • E*Trade

    $0

  • Wells Trade

    $5.95

Ally Invest requires a minimum opening purchase of $100 per order in OTCBB and Pink Sheet stocks and adds 1 cent per share on the entire order for stocks priced less than $2. We don’t charge commissions for stocks and ETF trades. There’s also no commissions on options trading and 50c per contract fee. Ally Invest charges an additional 35 cents per contract on certain option index products where the exchanges charge fees. Ally Invest doesn’t accept opening trades for stocks below 1 cent per share. Commissions and fees from published web sites as of 10/09/2019. Some brokers may offers more competitive  fees than the ones published if certain balances or levels of activity are met. Please contact each broker individually to confirm their commissions schedule. 

We don’t charge a commission fee for stocks and ETF trades. There’s also no commissions on options trading and 50¢ per contract fee. Ally Invest charges an additional 35¢ per contract on certain option index products where the exchanges charge fees. Other fees may apply. Ally Invest requires a minimum opening purchase of $100 per order in OTCBB and Pink Sheet stocks, and adds 1¢ per share on the entire order for stocks priced less than $2. Ally Invest doesn’t accept opening trades for stocks below 1¢ per share. Commissions and fees from published web sites as of 10/09/2019. Some brokers may offers more competitive  fees than the ones published if certain balances or levels of activity are met. Please contact each broker individually to confirm their commissions schedule.