How to navigate risk and return

A smart approach to investing involves balancing your goals and timeline with your risk tolerance. If you're unsure where to start, open a Betterment account, and we'll help you find the right account.

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
Stocks and bonds

Investing portfolios

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

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.

Annualized blended 30-day SEC yield as of 5-31-2026. 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.