Invest Disclosures
Ally Invest Disclosures
Ally Invest offers investment brokerage and advisory services to investors through its wholly owned subsidiaries. Ally Invest may at any time revise these Disclosures. You agree to be bound by subsequent revisions and agree to review the Disclosures periodically for changes. The most updated version of these documents will always be available for your review on this page, accessible by clicking on the "Disclosures" link that appears at the bottom of the pages on the website.
Table of Contents
Ally Invest is a trade name used by Ally Invest Group Inc. and its brokerage and advisory subsidiaries.
Securities offered through Ally Invest Securities LLC, member FINRA and SIPC. Advisory services offered by Ally Invest Advisors Inc. a Securities and Exchange Commission (SEC) registered investment advisor. Foreign exchange trading (Forex) is offered through Ally Invest Forex LLC, member NFA. Ally Invest Securities LLC, Ally Invest Advisors Inc. and Ally Invest Forex LLC are separate but affiliated companies and each a subsidiary of Ally Invest Group Inc. Ally Invest Group Inc. is a wholly owned subsidiary of Ally Financial Inc.
Online trading has inherent risk due to system response and access times that may vary due to market conditions, system performance, and other factors. An investor should understand these and additional risks before trading. Forex accounts are not protected by the Securities Investor Protection Corp. (SIPC) or Federal Deposit Insurance Corp. (FDIC).
Content, research, tools, and stock or option symbols are for educational and illustrative purposes only and do not imply a recommendation or solicitation to buy or sell a particular security or to engage in any particular investment strategy. The projections or other information regarding the likelihood of various investment outcomes are hypothetical in nature, are not guaranteed for accuracy or completeness, do not reflect actual investment results, do not take in to consideration commissions, margin interest and other costs, and are not guarantees of future results.
All investments involve risk, losses may exceed the principal invested, and the past performance of a security, commodity, industry, sector, market, or financial product does not guarantee future results or returns. Ally Invest provides self-directed investors with discount brokerage services. These discount brokerage services do not provide investment recommendations or offer investment, financial, legal or tax advice. You alone are responsible for evaluating the merits and risks associated with the use of Ally Invest's systems, services or products. If you have additional questions regarding your taxes, please visit IRS.gov or consult a tax professional. Ally Invest does not provide any tax advice.
Trading in options and forex is speculative in nature and not suitable for all investors. Investors should only use risk capital when trading options and forex because there is always the risk of substantial loss.
Options involve risk and are not suitable for all investors. If you are considering trading options on securities, you should read Characteristics and Risks of Standardized Options before you begin. Options investors may lose the entire amount of their investment in a relatively short period of time.
Brokerage Products: Not FDIC Insured • No Bank Guarantee • May Lose Value
Users & Electronic Signatures
Third-Party Websites
Ally Invest is not responsible for content of linked third-party websites. Third-party links and software applications are provided solely as a convenience or for educational or informational purposes.
Ally Invest firms are regulated by governmental as well as self-regulatory organizations. These regulatory bodies provide investment notices that are designed to assist investors. Ally Invest recommends that customers read the following notices to investors.
From Financial Industry Regulatory Authority (FINRA)
From the Securities and Exchange Commission (SEC)
Investor Toolkit from the MSRB
Ally Invest Forms CRS & Conversation Starters
Ally Invest Securities LLC
Ally Invest Securities provides self-directed investors with digital brokerage services, and does not make recommendations or offer investment advice. Each investor is solely responsible for evaluating the merits and risks associated with the use of our systems, services and products.
Investors should consider the investment objectives, risks, and charges and expenses of a mutual fund or ETF carefully before investing. A mutual fund/ETF prospectus contains this and other information and can be obtained by emailing support@invest.ally.com .
Quotes are delayed at least 15 minutes, unless otherwise indicated.
Multiple leg options strategies involve additional risks, and may result in complex tax treatments. Please consult a tax professional prior to implementing these strategies.
Securities Accounts
Margin Borrowing Information
Margin Account Agreement and Disclosure
Understanding Margin Accounts (guidance from FINRA)
Risks Involved With Trading in a Margin Account (guidance from FINRA)
Option Trading Information
Option Account Agreement (PDF)
Characteristics and Risks of Standardized Options
Option Trading in IRA Accounts
Uncovered Option Writing Risk Disclosure
Option Exercise and Do Not Exercise Instruction Submission Schedule
Market Price Quotes and Company Fundamentals
Day Trading Information
Apex Clearing Corp Relationship
Additional Disclosures
Order Types and Order Handling
Business Continuity (PDF)
Customer Identification Program (PDF)
Electronic Delivery of Trade and Account Information
Fixed Income Terms and Conditions (PDF)
Check and Electronic Funds Transfer Clearing Schedule
Exchange Traded Products – Including Leverage, Volatility and Other Risks
Mutual Funds Breakpoints (PDF)
Securities Income Program
Fully Paid Securities Lending Disclosure (PDF – enrollees prior to 8/1/23)
Master Securities Lending Agreement (PDF – enrollees prior to 8/1/23)
Ally Invest Advisors is a registered investment adviser offering advisory services on a discretionary basis for a fee through our Wrap Fee Program. For more information, please refer to the Wrap Fee Program Brochure .
All investments involve risk, including loss of principal. Asset allocation and diversification do not eliminate the risk of experiencing investment losses. Ally Invest Advisors Inc. ("Ally Invest Advisors", "our", or "we") does not guarantee that the results of its advice, recommendations, or the objectives of a managed portfolio will be achieved. We make no assurance that the investment process will consistently lead to successful investing. Before you invest, you should carefully review and consider your investment objectives as well as the risks, charges, and expenses of the underlying securities. If you have questions regarding your taxes, please visit IRS.gov or consult a tax professional. Ally Invest does not provide any tax advice.
Brokerage accounts are serviced by Ally Invest Securities LLC ("Ally Invest Securities"), and advisory client account assets are held in the custody of Apex Clearing Corporation, members FINRA and SIPC . Read all disclosures and notices pertaining to your relationship with Ally Invest Securities at: https://www.ally.com/invest/disclosures/ . Ally Invest Advisors and Ally Invest Securities are wholly owned subsidiaries of Ally Invest Group Inc. Ally Invest Group is a wholly owned subsidiary of Ally Financial Inc.
This is not an offer or solicitation of an offer in any jurisdiction where Ally Invest Advisors is not authorized to conduct investment advisory business.
Customers should carefully review the following PDF documents to properly understand the characteristics, fees, and risks associated with the services provided:
Ally Invest Advisors Form CRS Conversation Starters
Ally Invest Advisors Wrap Fee Program Brochure
Ally Invest Robo Portfolios Advisory Agreement
Ally Invest Robo Portfolios Monte Carlo Methodology
Ally Invest Personal Advice Advisory Agreement
Ally Invest Personal Advice Monte Carlo Methodology
Ally Invest Personal Advice Portfolio Performance Disclosures
Ally Invest Forex LLC
Ally Invest Forex LLC is a guaranteed introducing broker to GAIN Capital Group, LLC ("GAIN Capital"). Your forex account is held and maintained at GAIN Capital who serves as the clearing agent and counterparty to your trades. GAIN Capital is registered with the Commodity Futures Trading Commission (CFTC) and is a member of the National Futures Association (NFA) (ID # 0339826). Ally Invest Forex LLC is a member of the National Futures Association (ID # 0408077).
Forex trading involves significant risk of loss and is not suitable for all investors. Increasing leverage increases risk. Before deciding to trade forex, you should carefully consider your financial objectives, level of investing experience, and ability to take financial risk. Any opinions, news, research, analyses, prices or other information contained does not constitute investment advice. Read the full Forex Risk Disclosure Statement. Please note that spot gold and silver contracts are not subject to regulation under the U.S. Commodity Exchange Act.
Forex Customer Agreement (PDF)