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ading rebalancing and tax management done for you self directed investing trade stocks and etfs with tax insights you won t find anywhere else iras save for retirement with a tax advantaged traditional roth or sep ira crypto investing a managed portfolio of bitcoin and ethereum etfs bond investing stable income diversification and reduced risk from goldman sachs and blackrock portfolio options explore portfolios built with low cost etfs historical performance see how well our portfolios perform premium get 1 1 advice from a cfp along with exclusive benefits investing options and more tax saving technology get the same tax tech used by high net worth investors at no extra cost socially responsible sri invest for a better world from climate to social impact custom portfolios are here pick your own stocks and etfs while we handle the rest learn more cash cash close menu high yield cash no fees or minimums fdic insured up to 8m joint unlimited withdrawals variable apy checking everyday spending with no foreign transaction or atm withdrawal fees new customer offer 4 00 apy unlock our highest variable rate of the year claim offer retirement retirement close menu 401 k ira rollovers our low cost portfolios can add up to more for your retirement iras save for retirement with a tax advantaged traditional roth or sep ira solo 401 k new retirement account with a high contribution limit for self employed individuals rollover support free expert guidance to consolidate your retirement retirement planning get tools and advice that can help you win at retirement 401 k plan for your business scalable retirement solutions for your employees start investing with betterment today and earn up to 2 000 claim offer premium offers offers close menu 4 00 apy boost open a cash reserve account and make a deposit to get a 0 75 apy boost on up to 1m through 1 15 2027 earn up to 2 000 open any individual investing account and make a deposit to earn up to 2 000 on us unlock a discounted mortgage rate get up to 0 75 off through our partnership with rate refer a friend invite a friend and you both earn a 150 investing bonus and a boosted rate of 4 00 variable apy boost terms apply double dip on rewards when you refer a friend learn more resources resources close menu education support customer reviews understanding risk and return pricing press careers pursue better free financial advice for the busiest season of your life unlock live chats with a licensed financial specialist then get help moving beyond the basics of investing learn how see solutions for individuals employers advisors log in build your wealth in the background investing and saving shouldn t take over your life let our automation and tax saving tech do the work for you image is illustrative get started with an account in minutes popular automated investing popular iras 4 00 apy high yield cash new customer offer new custom portfolios self directed investing bond investing crypto investing checking solo 401 k cash reserve offered by betterment llc and requires a betterment securities brokerage account betterment is not a bank fdic insurance provided by program banks subject to certain conditions learn more annual percentage yield variable is 3 25 as of 12 12 2025 plus a 0 75 boost apy boost on balances up to 1m for new clients with a qualifying deposit 10 min deposit for base apy terms apply if the base apy changes the boosted apy will change invest the way you want you re in control self directed investing select and manage your investments along with tax insights you won t get anywhere else get started learn more let us handle it automated investing most popular get a globally diversified portfolio and we ll handle all trading rebalancing and tax management for you get started learn more you build it we manage it custom portfolios new pick your own stocks and etfs we automate portfolio rebalancing dividend reinvesting and taxes for you get started learn more logos are trademarks of respective companies 2025 factset research systems inc all rights reserved invest the way you want choose from thousands of stocks and etfs with betterment by your side see tax impact before you sell trade fractional shares pay no commission or management fees start investing learn more betterment waives its wrap fee on assets in self directed investing accounts invest investing should always be this easy we manage your money for you putting our technology behind every dollar you invest so you can focus on living your life image is illustrative invest the way you want choose from our curated portfolios or build your own all using low cost exchange traded funds save more in taxes we use tax loss harvesting to help turn market dips into tax savings in fact nearly 70 of customers using tax loss harvesting covered their taxable advisory fees through estimated tax savings build wealth without the busywork with betterment portfolios all the trading rebalancing reinvesting and tax management is done for you save boost your savings with a high yield cash account don t let traditional savings accounts keep your money from growing whether saving for an emergency fund or a big goal our high yield cash account is 10x the national average annual percentage yield variable is 3 25 as of 12 12 2025 plus a 0 75 boost apy boost on balances up to 1m for new clients with a qualifying deposit 10 min deposit for base apy terms apply if the base apy changes the boosted apy will change no hidden fee s forget any monthly or maintenance costs what you earn is what you keep 4 million fdic insurance eligible cash is fdic insured up to 8 million joint or 4 million individual at our program banks subject to certain conditions that s 16x what most firms offer move money with ease easily transfer cash to your investing account set up recurring savings and withdraw funds anytime you need retire feel confident about retirement with an ira grow your retirement savings with a tax advantaged traditional roth or sep ira get tax benefits along with our automated technology and full suite of planning tools tax benefits we coordinate your retirement accounts for maximum tax efficiency helping you save on taxes and grow your returns retirement planning we build you a personalized plan recommend how much to save and adjust as needed learn more see why 1m customers trust us to manage 70b of their money image is illustrative excellent place to make your money work for you kathryn h it s a good set it and forget it investing tool for my family casey m saves the stress and hassle of managing retirement savings myself david s because of the opportunity to invest in a better future the climate change portfolio is great julia o portfolio options are clear cost effective and well implemented christopher t read more reviews clients views may not be representative see app store google play reviews still have questions how does betterment work caret down icon betterment helps you manage your money through cash management guided investing and retirement planning we are a fiduciary which means we act in your best interest we ll ask a bit about you when you sign up we ll also gather information when you connect your outside accounts then we ll help you set financial goals and set you up with investment portfolios for each goal for your long term financial needs like retirement next year s vacation or a down payment our investment strategy utilizes low cost etfs exchange traded funds and an adjustable risk profile based on your goal type and how long you plan to invest for your daily saving and spending you can use our cash management products that include checking which is offered by nbkc bank member fdic and cash reserve a high yield cash account will i have access to real humans caret down icon customer support team members are available five days per week to answer questions about your account if you want in depth financial advice you can talk to a licensed advisor by phone for an additional cost our premium plan provides you with unlimited access and costs an additional 0 40 on your invested balances with a minimum investing account balance requirement of 100 000 across eligible balances is my money safe at betterment caret down icon betterment securities is a member of sipc which protects securities of its members up to 500k including 250k for claims for cash explanatory brochure available upon request or at www sipc org accounts are subject to market risks and changes these risks are inherent in investing are tradeoffs you make to pursue investment returns eligible cash is fdic insured up to 8 million joint and 4 million individual in fdic insurance once funds are deposited into our program banks subject to certain conditions funds deposited into checking are fdic insured up to 250 000 for individual accounts and up to 500k per depositor for joint accounts provided by nbkc bank member fdic explore further details about fdic insurance who are the experts behind the scenes caret down icon our team of investing experts make decisions about our portfolio strategies and fund selection with the help of an external committee of economists phds and industry experts more than just a portfolio management team our experts work to develop improvements to our tax smart technology our cash analysis tools and other advanced strategies build wealth with confidence and ease get started get started on close icon betterment app download stay in browser continue skip to audience navigation betterment logo icon svg footer accounts automated investing self directed investing high yield cash iras crypto investing checking trusts tools portfolio options historical performance tax savings mobile app goal tracker all in one dashboard charitable giving socially responsible investing sri custom portfolios service talk to an advisor premium rollover support retirement advice resources education compare betterment support faq risk and return pricing about about us reviews press careers rewards 4 00 apy boost refer a friend disclosures legal betterment on instagram betterment on facebook betterment on x betterment on linkedin review finra s brokercheck national average savings account annual percentage yield apy as of 12 10 2025 for savings accounts under 100 000 per fdic annual percentage yield variable is 3 25 as of 12 12 2025 plus a 0 75 boost apy boost on balances up to 1m for new clients with a qualifying deposit 10 min deposit for base apy terms apply if the base apy changes the boosted apy will change reported customer count of 1 million as of 8 19 2025 includes checking and investing clients betterment s reported assets under management aum of 70 billion is as of 5 10 2026 betterment does not provide tax advice tlh is not suitable for all investors learn more checking accounts and the betterment visa debit card provided by and issued by nbkc bank member fdic betterment checking made available through betterment financial llc neither betterment financial llc nor any of their affiliates is a bank betterment financial llc reimburses atm fees and the visa 1 foreign transaction fee worldwide everywhere visa is accepted checking accounts do not earn apy annual percentage yield betterment checking is not a part of the betterment cash sweep program any balances you hold with nbkc bank including but not limited to those balances held in betterment checking accounts are added together and are insured up to 250 000 per depositor through nbkc bank member fdic betterment is not fdic insured fdic insurance only covers the failure of an insured bank if you have funds jointly owned these funds would be separately insured for up to 250 000 for each joint account owner nbkc bank utilizes a deposit network service which means that at any given time all none or a portion of the funds in your betterment checking accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the federal deposit insurance corporation fdic for a complete list of other depository institutions where funds may be placed please visit https www cambr com bank list balances moved to network banks are eligible for fdic insurance once the funds arrive at a network bank to learn more about pass through deposit insurance applicable to your account please see the account documentation additional information on fdic insurance can be found at https www fdic gov resources deposit insurance logos are trademarks of respective companies 2025 factset research systems inc all rights reserved learn more about self directed investing fdic insurance provided by program banks subject to certain conditions up to 8m jt 4m ind applies to eligible cash important betterment disclosures information is educational only and not investment or tax advice external links are educational and do not imply betterment s endorsement all screenshots are for illustrative purposes only who provides what service investment advice advisory services are provided by betterment llc an sec registered investment adviser betterment llc s internet based advisory services are designed to assist clients in achieving discrete financial goals they are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client s financial situation and do not incorporate specific investments that clients hold elsewhere betterment is not a tax advisor brokerage services custody brokerage services are provided to clients of betterment llc by betterment securities an sec registered broker dealer and member of finra sipc and apex clearing corporation a third party sec registered broker dealer and member finra sipc betterment checking betterment checking is made available through betterment financial llc checking accounts and the betterment visa debit card provided by and issued by nbkc bank member fdic see betterment checking disclosure betterment at work 401 k plan administration services provided by betterment for business llc investment advice to plans and plan participants provided by betterment llc an sec registered investment adviser no betterment entity is a bank special disclosure for betterment cash reserve betterment cash reserve is part of the cash sweep program csp and is offered by betterment llc csp requires a betterment securities brokerage account client funds in the csp are deposited into one or more fdic insured banks program banks assets in the cash reserve program under the csp earn variable interest csp assets are eligible for fdic insurance subject to certain conditions funds in brokerage accounts are protected by sipc but funds at program banks are fdic insured up to 250k per depositor per bank with a potential aggregate limit of 4m 8m for joint accounts once the funds reach one or more program banks funds in transit to or from program banks are generally not fdic insured but are covered by sipc fdic insurance limits include all accounts held at a bank not ju...