Investment accounts are brokerage accounts that let you invest directly from your Mercury Personal account into a portfolio of carefully selected Exchange-Traded Funds (ETFs).
Eligibility requirements
To open an investment account, you must be a:
- U.S. citizen or permanent resident or
- Visa holder with one of the following unexpired visas:
E-1 , E-2, E-3, F-1, G-4, H-1B, L-1 , O-1 , TN-1 , TN-2
How to apply
Opening an investment account only takes about 10 minutes:
- Log in to Mercury Personal on your web browser
- Go to the Invest tab
- Complete a short questionnaire to help us understand your risk profile
- Review your recommended portfolio
- Accept the required disclosures and agreements
Most applications are automatically approved. If we need more time, we’ll follow up within a few business days.
What can I invest in?
We offer a portfolio that blends two core ETFs:
iShares US Treasury Bond ETF (SGOV)
- A low-risk, tax-advantaged ETF that invests in U.S. Treasury bills with maturities of less than 3 months
- Designed for capital preservation and stable income generation
- Typically returns higher yields than traditional savings accounts
- View Prospectus here
Vanguard Total Stock Market ETF (VTI)
- Diversified exposure to ~3,500 U.S. stocks (large, mid, and small-cap)
- Provides long-term growth potential
- View Prospectus here
Note: Past performance does not guarantee future results. All investments involve risk and potential for loss.
How do deposits and withdrawals work?
Deposits: When you add money into your Investment Account, its automatically invested based on your selected portfolio allocation. Deposits that arrive before market close are typically invested the same day;those made after market close are processed the next business day.
Withdrawals: When you withdraw money, we sell your investments based on your current portfolio allocation. After the sale, it typically takes 1-3 business days for the funds to settle and appear in your account.
What fees are associated with Investment Accounts?
Mercury charges a low advisory fee of 0.10% per year (10 basis points) on the assets in your investment account.
- The fee is accrued daily and charged monthly.
- It’s automatically deducted from your account at the beginning of the next month.
Example:
If you invest $50,000 on March 10th, your fee would be about $3.01 based on 22 days of management, and assuming the net market value of your assets remains constant at $50,000 during this period
- Daily fee rate: (0.10% / 365) = 0.00000274 (or 0.000274%)
- Fee calculation: (Daily fee rate) × (Daily Asset value) × (Number of days managed)
- March fee: (0.10% / 365) × $50,000 × 22 = $3.01
Note: The underlying ETFs in your portfolio (like SGOV and VTI) also have built-in fees commonly referred to as “expense ratios”. These are included in the fund’s price – not charged separately.
Is there a minimum deposit required to get started?
Nope. There’s no minimum to open or fund your Investment Account. We will take advantage of fractional shares to invest available funds according to your selected portfolio allocation.
Do you offer trust or retirement accounts or (eg IRA, Roth, 529)?
We only offer individual brokerage accounts at this time. If you are interested in other types of accounts, please let us know at personal@mercury.com. Your feedback helps us shape what we build next.
How do you protect my money?
Your Investment Account is:
- Advised by Mercury Advisory LLC, an SEC-registered investment adviser (“Mercury Advisory”)
- Custodied by Apex Clearing Corporation, our investment partner and a registered broker dealer and member FINRA / SIPC
SIPC Protection:
Your investments are protected by the Securities Investor Protection Corporation (SIPC):
- Up to $500,000, including $250,000 uninvested cash
- Covers missing securities in the rare case of fraud or broker failure
- Does not cover market losses
Learn more at sipc.org. Investment accounts are not FDIC insured.
Mercury Invest is offered by Mercury Advisory, LLC, an SEC-registered investment adviser. Mercury Advisory is a wholly-owned subsidiary of Mercury Technologies. This communication does not constitute an offer to sell or the solicitation to buy security. Funds in Mercury Investment accounts are subject to investment risks, including possible loss of the principal invested, and past performance is not indicative of future results. View our Customer Relationship Summary and other important information at mercury.com/legal.
Mercury Invest is not insured by the FDIC. Funds in Mercury Invest are not deposits or other obligations of Choice Financial Group or Column N.A. and are not guaranteed by Choice Financial Group or Column N.A.