Low fee and low
minimum balance
Get started with as little as $2,000
and pay a low annual advisory fee of
0.50%.
and pay a low annual advisory fee of
0.50%.
Robo Investing with Santander PathFinder | Santander - Santander
Santander® PathFinder
Helping you reach your financial goals with our new automated investing tool.
Once you're logged into Online Banking, select the Santander PathFinder banner.
Get to know automated investing
Santander PathFinder is an automated investing tool, also known as a robo-advisor. It uses advanced technology to build and manage your portfolio. The tool reviews your portfolio’s performance daily and rebalances when needed. Whether you’re saving for a college education or retirement, automated investing ensures that you’re always working towards your goals.
Benefits of automated investing
- Lower fees than most traditional investing methods.
- Balanced portfolio of exchange-traded funds suited to the goals and risk preferences you indicate in an introductory questionnaire.
- Automatic portfolio adjustments that help keep you on track.
- A way to diversify your investment strategy.
Santander PathFinder benefits
Low fee and low
Diversified portfolio
Receive a diversified portfolio designed to align with the goals and risk preferences you indicate in an introductory questionnaire.
Automatic portfolio rebalancing
Santander PathFinder will monitor the market and rebalance your portfolio when needed.
Support from Financial Advisors
Get human support when you need it. Our Financial Advisors are available at no additional cost.
Once you’re logged into Online Banking, select the Santander PathFinder banner.
A simple path to investing
Step 1
Log in to Online Banking
Exclusively available to Santander clients enrolled in Online Banking. Log in and look for Santander PathFinder.
Step 2
Create your portfolio
Take a few minutes to answer some questions about your goals and risk tolerance and receive a portfolio recommendation tailored just for you.
Step 3
Let us do the work
Santander PathFinder will get to work monitoring the market and managing your portfolio.
Why choose Santander PathFinder?
If you're looking for a simple way to invest or to diversify your strategy, Santander PathFinder may be right for you. It's flexible enough to let you change your goals at any time and provides personalized advice and account support from Santander Investment Services' Financial Advisors when you need it.
 | A low-fee account. |
| Advanced technology does the work for you. |
| | Automatic portfolio adjustments to help keep you on track. |
Frequently asked questions
We rebalance when the market has moved your portfolio away from its target allocation by more than a few percent, either 3% or 5% depending on the asset classes' target allocation in your portfolio. We will also rebalance your account if during our periodic reviews we update our models to balance between our long-term investing approach and changing market conditions. As you add cash to a portfolio, we buy ETFs to maintain your target allocation. When you make withdrawals, we sell ETFs in a balanced fashion to help make sure you stay on track.
When you sign up for a new Santander PathFinder account, you'll be asked a few questions about your finances, investing experiences, and other similar and important questions. Santander PathFinder will then generate an investment strategy based upon the information you've provided, with regard to your financial situation, goals, and comfort with investment risk.
You can always retake the questionnaire, even after your account is open. We recommend retaking the questionnaire any time your situation, goals, or comfort with investment risk may have changed. If your investment strategy changes, we'll automatically update your target asset allocation - no need to open a new account.
Yes! Santander PathFinder helps you build and manage a tax-efficient investment strategy by selecting funds that value after-tax returns over pre-tax returns. Additionally, long-term gains are preferred over short-term gains to help keep taxes as low as possible. If you have any questions or concerns, we recommend reaching out to a tax professional, as Santander PathFinder does not offer tax advice.
We offer Santander PathFinder for individual and joint accounts, as well as retirement accounts such as a traditional individual retirement accounts (IRAs), Roth IRA, rollover IRA (for funds rolled-over from a former employer's 401(k) or 403(b) plan), and SEP IRA.
Please note that Santander PathFinder currently doesn't manage 529 education savings plans, nor can we manage the assets in your current employer's 401(k), Roth 401(k) or 403(b) plan.
*This service is currently only available to existing Santander Bank customers. To learn more about Santander® PathFinder, please call 844-683-7848 to speak to a Santander Investment Services Financial Advisor. To become a Santander Bank customer, please go to www.santanderbank.com to learn more about our products and services, and to open an account. Or, visit your local branch to speak with a banker. We plan to make this service available to all in the near future.
Portfolio management services are provided by SigFig Wealth Management, LLC ( SigFig ), an SEC registered investment adviser. SigFig is not affiliated with Santander Investment Services, Santander Securities LLC or any of their affiliated entities.
Securities and advisory services are offered through Santander Investment Services, a division of Santander Securities LLC. Santander Securities LLC is a registered broker-dealer, Member FINRA and SIPC and a Registered Investment Adviser. Insurance is offered through Santander Securities LLC or its affiliates. Santander Investment Services is an affiliate of Santander Bank, N.A.
Santander Securities LLC U.S. registered representatives may only conduct business with residents of the states in which they are properly registered. Please note that not all the investments and services mentioned on this website are available in every state.
| INVESTMENT AND INSURANCE PRODUCTS ARE: | |||||
| NOT FDIC INSURED | NOT BANK GUARANTEED | MAY LOSE VALUE | |||
| NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY | NOT A BANK DEPOSIT | ||||
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