Investor Solutions

For The Digital Age, Powered By Folio

Investor Solutions

For The Digital Age, Powered By Folio

Investor Solutions

Investor Solutions powered by Folio is an online only, digital solution for investors that want to take advantage of Hills Bank’s investment management services. Folio is an unaffiliated clearing broker/dealer providing custody of your assets, which Hills Bank will manage for you. Learn more to see if Investor Solutions powered by Folio is an investment option for you!

For enrollment questions, please contact Folio.

Email: | Phone: 1-888-485-3456 | Hours: Weekdays 6a.m. - 8p.m. Central, (7a.m. - 9p.m. Eastern) Sat-Sun 7a.m. - 3p.m. Central, (8a.m. -4p.m. Eastern)

Folio is an unaffiliated clearing broker/dealer where you can establish a brokerage account that will provide custody of your assets which Hills Bank will manage for you. Investment products are not a deposit, not FDIC insured, not insured by any federal government agency, carry no bank guarantee, and may go down in value.


Risk and Return

To determine the appropriate allocation to stocks, a common guideline is to subtract your age from 110. The answer, or result, is the percent of your portfolio that should be allocated to stocks. For example, a 40-year-old investor should have approximately 70% stock allocation (110 - 40 = 70). By following this guideline, an investor may reduce their risk as retirement nears. The reward for taking on investment risk is the potential for greater returns. If you have a financial goal with a long-term horizon, higher-risk assets such as stocks or stock mutual funds may be appropriate. Stable value investments such as cash, FDIC insured CDs, or short-term investment grade bonds have lower risk and may be more appropriate for short-term financial goals.

Be Careful of Averages!

Market returns are like the weather in Iowa—sometimes we have above average days, sometimes we have below average days! Over time, strong returns offset weak returns and investors’ annualized performance may “average” out. 

Pick One:

Hills Bank’s investment portfolios utilize low-cost, non-proprietary mutual funds. We have no affiliation with any fund family. Our independence allows us to select funds based on merit.



How Much Should I Save?

Experts suggest that you will need 75-85% of your pre-retirement income to maintain your lifestyle throughout retirement. What changes in retirement to allow for this 15-25% decrease in your income? Ideally, your mortgage and other debts are paid off. If you have children, they are grown and living on their own. If this is not the case, your income replacement may need to be higher. Another change in retirement that may allow you to live on 75-85% of your pre-retirement income is that you are no longer paying into Social Security (a 7.65% tax on your wages), and the expense of saving for retirement has come to an end. To achieve your retirement goal, you may need to accumulate savings and investments of 10-12 times your pre-retirement annual income. To accumulate this amount of savings and investments, you should save at least 10-15% of your income every year.

Starting Early is Essential

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