Skip to main content

Individuals
Employers
Advisors

Invest
Self-directed investing is here

Trade stocks and ETFs with tax insights you won’t find anywhere else.
Learn more
Cash
- High-yield cash
  
  3.25% APY
  
  No fees or minimums. FDIC insured up to $4M.** Unlimited withdrawals. Variable APY.
- Checking
  
  Everyday spending with no foreign transaction or ATM withdrawal fees.
New customer offer: 3.90% APY

Unlock our highest variable rate of the year!
Claim offer
Retirement
- Rollover support
  
  Free expert guidance to consolidate your retirement.
- Retirement planning
  
  Get tools and advice that can help you win at retirement.
Start investing with Betterment today and earn up to $1,000!
Claim offer
Premium
- Premium
  
  Get 1:1 advice from a CFP® along with exclusive benefits, investing options, and more.
95% of Betterment customers say they are happy with their advisor experience.
Learn more
Resources
Traditional vs. Roth

Should you take your tax break now, or later?
Read more

See solutions for

Individuals
Employers
Advisors

Award Disclosures

Betterment BBB Business Review

WM-25-Industry-Awards-Finalist-Blue-RGB(1)

Skip to top navigation menu

Accounts
Tools
Service
Resources
- Education
- Support
- FAQ
- Risk and return
- Pricing
About
- About us
- Reviews
- Press
- Careers
Rewards
- 3.90% APY boost
- Refer a friend
Disclosures
- Legal

Contact us
Betterment 401(k)
Betterment Advisor Solutions

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 offered by Betterment LLC and requires a Betterment Securities brokerage account. Client funds in Cash Reserve are deposited into one or more FDIC-insured banks (“Program Banks”), where they earn variable interest and 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 $2M ($4M 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 just Cash Reserve funds. For details, see Betterment’s Cash Reserve T&Cs and Form ADV Part 2. FDIC insurance information is available at FDIC.gov.

Let’s Talk About Risk:

Investing involves risk and there is the potential of losing money when you invest in securities. Past performance does not guarantee future results and the likelihood of investment outcomes are hypothetical in nature.Investments in securities are: Not FDIC Insured • Not Bank Guaranteed • May Lose Value. Before investing, consider your investment objectives and Betterment LLC's fees and expenses. For more details, see Betterment’s Form CRS, Form ADV Part II and other disclosures. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Betterment LLC is not registered.

Who Provides the Market Data? Market Data by Xignite and FactSet. Copyright © 2025 FactSet Research Systems Inc. Fund data © 2022 Morningstar. All Rights Reserved.

© Betterment Holdings Inc. All rights reserved.Betterment, 450 West 33rd Street, FL 11 New York, NY 10001

You are viewing a web property located at Betterment.com. Different properties may be provided by a different entity with different marketing standards.

Site Map
Terms of Use
Privacy Policy
Trademark
Legal Directory

Google Play and the Google Play logo are trademarks of Google, Inc.

Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S.

Betterment assumes no responsibility or liability whatsoever for the content, accuracy, reliability or opinions expressed in a third-party website, to which a published article links (a “linked website”). Such linked websites are not monitored, investigated, or checked for accuracy or completeness by Betterment. It is your responsibility to evaluate the accuracy, reliability, timeliness and completeness of any information available on a linked website. All products, services, and content obtained from a linked website are provided “as is” without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy. If Betterment has a relationship or affiliation with the author or content, it will note this in additional disclosure.

© Betterment. All rights reserved