Get higher returns with bond investing

Our Goldman Sachs and BlackRock portfolios offer diversified portfolio bond ETFs that can earn you steady returns without too much risk.

Goldman Sachs Tax-Smart Bonds
Ideal for high-income individuals looking for a high after-tax yield with less risk than a traditional stock-and-bond investing portfolio.

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Target Income built with BlackRock
Built for investors looking for an alternative to a cash account who are willing to take on some risk to potentially generate and reinvest yield.

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Yield data as of 7-30-2026 for the Aggressive Target Income built with BlackRock portfolio, and ranges 4.65% to 5.13% across four risk levels.

Blended 30-day SEC yield is calculated as the weighted average of 30-Day SEC yields for each ETF in the portfolio, net of Betterment’s 0.25% annual advisory fee. View historical performance by target income risk level and learn more about blended 30-day SEC yields here. Yield is not performance.

Annualized blended 30-day SEC yield as of 7-30-2026. Investing in bonds involves risk; performance is not guaranteed. Only Betterment provides investment advice to its clients, not Goldman Sachs; neither provides legal, tax or accounting advice. Learn more. 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.

What should you do with your money?

We have the accounts that make it easy to decide. From growing your savings to building long-term wealth, you can be invested with your preferred balance of risk and return.

Lower risk/reward

Higher risk/reward

Cash only

High-yield cash

Earn interest on your savings with no market risk and access your money whenever you need it.
- Yield
  
  4.00% APY (variable) (new customer offer)
- Principal risk
  
  Eligible cash is FDIC insured up to $4 million through program banks, subject to certain conditions
Bonds

Bond investing

Low-cost bonds deliver higher returns than cash with less risk than equities.
- Yield
  
  Up to 5.13% (variable)
- Principal risk
  
  Very conservative to moderate
Stocks and bonds

Investing portfolios

Build wealth for the long-term with one of our diversified portfolios.
- Returns
  
  See performance
- Principal risk
  
  Conservative to aggressive

Target investments, actual holdings will vary.

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.

Yield data as of 7-30-2026 for the Aggressive Target Income built with BlackRock portfolio, and ranges 4.65% to 5.13% across four risk levels.