Portfolio Management for OnePay Invest

What type of investments should I pick?#

OnePay Invest is a self-directed investing platform, which means all decisions about buying or selling investments are made by you. OnePay does not provide investment advice, make recommendations, or assess whether an investment is suitable for you.

If you’re unsure about what to invest in, consider researching stocks and ETFs or speaking with a licensed financial professional for guidance.

How is my portfolio performance calculated?#

Your portfolio performance shows how your investments have changed in value over time, both in U.S. dollars and as a percentage. It’s based on your OnePay Invest holdings and reflects how much your total portfolio value has increased or decreased over a selected time period, excluding the effects of any deposits or withdrawals.

This calculation is influenced by the Modified Dietz Method, an industry-standard approach that helps ensure your returns accurately reflect your investment performance.

Your portfolio return shows the total return for the current day, combining all of your holdings. This information is provided for your reference only. Daily returns are calculated using market close prices (4 p.m. ET) from the previous trading day.

What does my portfolio chart show?#

Your portfolio chart tracks how the value of your investments (like stocks or ETFs) changes over time, excluding any deposits or withdrawals. This means the chart reflects only how your investments themselves have performed, whether they’ve gained or lost value.

Charts, including charts relating to your historic portfolio valuations or performance, or relating to past prices of specific securities, are provided for informational purposes only. Charts are based on various data sources, which may include market data or other information provided by third party information providers. One Growth does not make any representation or guarantee relating the accuracy, timeliness, or completeness of charts or any information or data on which they are based.

How do I set up and manage my recurring investments?#

You can schedule automatic purchases of a chosen investment daily, weekly, bi-weekly (every two weeks) or monthly. Once you pick the investment, dollar amount, frequency, start date, and the funding source, your OnePay Checking balance will fund each purchase without you having to place orders manually.

If you choose to purchase with every direct deposit, your purchase will be triggered each time a direct deposit is received in your OnePay deposit account deposit account. Only the available funds from that specific deposit will be used for the purchase.

To set up recurring investments:

• Open the OnePay app

• Select Invest from the Home tab

• Select Search Investments

• Once you find the investment you want to buy, select Buy

• Toggle the recurring option on and select your desired frequency

• Follow the on-screen instructions to choose your amount, funding source, and start date

To manage your recurring investments:

• Go to the Home tab in the OnePay app

• Select Invest

• Tap the Settings icon in the upper-right corner

• Choose Recurring Investments

• From here, you can set up a new recurring buy, edit an existing recurring investment (amount, funding source, frequency, or next investment date),or delete an existing recurring investment

Tap here to set up recurring investments.

What are corporate actions and proxy voting?#

Companies sometimes make decisions that affect their shareholders — these are called corporate actions.

Some examples include:

• Mergers or acquisitions

• Stock splits (changing the number of shares per shareholder)

• Delisting from the stock exchange (becoming a private company again)

• Tender offers

• Dividends (company profit paid out to shareholders)

Some corporate actions may also include shareholder votes, known as proxy voting.

If a corporate action affects a stock you own, you’ll receive an email with the details. The email will include any instructions if action is required.

What types of shareholder communications will I receive?#

As a OnePay Invest customer, you may receive certain shareholder communications for some of your investments. These give you updates on company activity, fund performance, and shareholder rights.

You may see:

• Proxy materials: Voting statements or ballots

• Prospectuses: Information about risks, fees, and performance for stocks or ETFs

• Annual and semi-annual reports: Updates on fund or company performance

• Corporate action notices: Events like stock splits, mergers, or other changes

• Class action notices: Information about legal settlements related to investments you own or previously held

If your investments are eligible, these materials will usually be sent to you electronically. Some may include links if action is required.

How do I vote as a shareholder?#

As a shareholder, you may be eligible to vote on company matters, such as electing board members or approving mergers. This process is called proxy voting.

If proxy voting is available for a stock you own, you’ll receive voting materials and instructions by email. These will explain how to submit your vote, which is usually done online or by mail.

Not all stocks provide proxy voting rights, so you may not always receive voting materials. OnePay doesn’t provide voting advice, and how you choose to vote is completely up to you.

What is dividend reinvestment?#

A Dividend Reinvestment Plan (also called DRIP) is an option that automatically uses the cash dividends you earn from eligible stocks or ETFs to buy more of that same investment. Instead of receiving dividend payments as cash in your OnePay deposit balance, those funds are used to purchase additional shares or fractional shares.

How does dividend reinvestment work with OnePay Invest?#

If you opt in to dividend reinvestment, any eligible dividends from your OnePay Invest holdings will automatically be reinvested into those same securities. You don’t need to take any extra steps each time a dividend is paid.

Reinvested dividends appear in your transaction history as additional share purchases.

If you don’t opt in, dividends will continue to be paid out as cash into your OnePay deposit account's Debit balance.

To turn on or off your dividend reinvestments

• Open the OnePay app

• Go to Invest

• Select the Settings icon in the upper-right corner

• Tap Dividend reinvestment

• Toggle the setting on or off

Once turned on, dividend reinvestment applies to all eligible investments in your OnePay Invest account. You can turn it off anytime.

What happens when a security trading halt occurs?#

A trading halt means activity for a specific stock or ETF is temporarily paused. During the halt, you won’t be able to buy or sell that security.

Security trading halts can usually last from a few minutes to hours, and extend longer in some cases. While a halt is in effect, the price of the security doesn’t change. Once trading resumes, you can place orders again.

Halts apply only to the affected security, and you can continue trading other investments as usual.

What happens during a market halt?#

A market halt is a rare event when trading across the entire stock market is paused. During a market halt, you won’t be able to buy or sell any securities.

Halts usually last only a few minutes. While the market is paused, the value of your holdings doesn’t change. Once trading resumes, you can place new buy or sell orders.

Are there risks associated with enabling stock lending?#

Stock lending does involve some risks. For example, while your shares are on loan, you temporarily give up certain rights like voting, and there are market and counterparty risks involved. Learn more about the risks here.

What is lending?#

Stock lending gives you the opportunity to earn interest on stocks and ETFs you own in your OnePay Invest account. After you enable this feature, OnePay may lend your eligible stock to a financial institution, and the interest revenue generated is shared with you.

While your stocks are on loan, you can still sell them at any time as you normally would. Only customers with a OnePay Invest account are eligible to participate.

How does stock lending work? #

When you enroll in stock lending your shares may be loaned to other financial institutions in exchange for interest payments.

You remain the owner of your investments the entire time, and you can still sell your shares at any time as you normally would.

Am I eligible for stock lending? #

Stock lending may not be appropriate for everyone. You may be eligible to participate in Stock lending depending upon certain factors, such as income or how long your OnePay Invest account has been open.

How do I enroll or unenroll in stock lending?#

As a OnePay Invest customer, you have the option to enroll in stock lending if you are eligible. 

To enroll or unenroll in Stock Lending:

• Open the OnePay app

• Go to Invest

• Select the Settings icon in the upper-right corner

• Select Stock lending

• Toggle the stock lending button

How do I earn money from stock lending? #

When your shares are loaned out, you earn interest based on market demand and prevailing rates. This interest is paid to the Debit pocket in your OnePay deposit account as earnings from stock lending. Any interest you earn will appear as a separate transaction in your account, typically posted monthly.

Will I earn interest every month? #

Not necessarily. Stock lending earnings depend on market demand. Some months your investments may not be loaned out, and no interest will be earned or posted.

What happens to dividends when my shares are on loan?#

If your shares are on loan during a dividend payout, you won’t receive the dividend directly from the issuer. Instead, you’ll receive a manufactured dividend, which is paid by the borrowing party. The manufactured dividend represents the same value as the original dividend, and will be credited to your account and look very similar to regular dividend payments. 

Can I sell my investments when they are out on loan?#

You still own the stock or ETF that is out on loan and can sell at any time.