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.

See accounts

Choose the right level of risk for your money.

Lower risk/reward
Higher risk/reward
  • Cash only

    portfolio-icon_cash

    High-yield cash

    Earn interest on your savings with no market risk and access your money whenever you need it.

    • Yield

      4.25% APY** (variable)

    • Principal risk

      FDIC insurance up to $2M through program banks

    Start with cash
    Learn more
  • Bonds only

    goldman

    Goldman Sachs Tax-Smart Bonds

    Gives higher-income individuals a personalized bond portfolio to generate additional after-tax yield.
    • Yield

      3.55%**

    • Principal risk

      Very conservative
    Start with bonds
    Learn more
  • Bonds only

    portfolio-icon_goldman-sachs

    BlackRock Target Income

    Earn higher yields while limiting stock market volatility with one of four levels of risk to choose from. 
    • Yield

      4.53% - 5.81%**

    • Principal risk

      Conservative to moderate
    Start with bonds
    Learn more
  • Stocks and bonds

    plant

    Investing portfolios

    Build wealth for the long-term with one of our diversified portfolios of stocks and bonds.
    Start with investing
    Learn more
**Annualized blended 30-day SEC yield as of 12-13-2024. Yield for Goldman Sachs Tax-Smart Bonds assumes an individual filing single who resides in California with a 35% federal tax rate and $260K income. Yield is not performance.

How to think about 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.
Get started
A risk sign and a growing plant on a balancing scale.

Explore our resources:

Be invested.

Get started