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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
  
  3.75% APY (variable)
- Principal risk
  
  FDIC insurance up to $2M through program banks
Bonds only

Goldman Sachs Tax-Smart Bonds

Gives higher-income individuals a personalized bond portfolio to generate additional after-tax yield.
- Yield
  
  3.58%
- Principal risk
  
  Very conservative
Bonds only

BlackRock Target Income

Earn higher yields while limiting stock market volatility with one of four levels of risk to choose from.
- Yield
  
  4.11% - 5.50%
- Principal risk
  
  Conservative to moderate
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
  
  Moderate to aggressive

Annualized blended 30-day SEC yield as of 10-01-2025. 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.

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.

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.