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Filing Your 2019 Taxes: A Betterment Guide

All tax forms will be ready for you to download in your account by Feb. 18. Certain forms will be ready sooner. See below for more details.

For answers to your tax filing questions, scroll down to the help articles below.

Top Dates Investors Should Know

Unlike the rules for banks or employers, the government guides investment services to distribute their main tax forms in mid-Feb. This means you can expect your 1099-B and DIV forms no sooner than Feb. 18.

Betterment is not a tax advisor, nor should any information herein be considered tax advice. Please consult a qualified tax professional.

Most Common Tax Filing Questions

Reporting Investment Income on Your Taxes: Foreign, U.S. Government, and State

Investing in a globally diversified portfolio means that your taxes will have an added layer of complexity. Learn how to report income from state, government, and foreign sources.

Filing Tax Forms as an Investor: 1099-B, 1099-DIV, 1099-R, 1099-INT, and 5498

Find answers to the common tax filing questions we hear from investors like you.

Importing Tax Forms Into Tax Software: TurboTax, H&R Block, and TaxAct

With Betterment, you can automatically import your tax information into TurboTax, H&R Block, and TaxAct. Here’s what you need to know.

Insights From our Head of Tax on Filing Your Tax Return

Our Head of Tax: 6 Tax Filing Hurdles When Investing

Taxes can be confusing, even for the most savvy investors. Enter Eric Bronnenkant, our Head of Tax, with six things to look out for when filing your taxes while investing.

What Is a Tax Advisor? Attributes to Look For

Since Betterment isn't a tax advisor, we often suggest that customers see a tax advisor regarding certain issues or decisions. Who exactly is a tax advisor and how should you think about picking one?

Tax Planning Happens Year Round, Not Just in April

Knowing how your investments affect your tax bill can help you save money not just on April 15th, but for years to come.

READ MORE ON TAX FILING

What Should I Know About Taxes on My Investment Accounts?

An informed and educated investor can make better decisions if they know the unique tax attributes of each type of investment account.

Put Your Tax Refund To Work—We’ll Show You How

You finally got your tax refund. Now what? We’ll show you how to put it to use so that you can get the most of your money.

How to Determine the Tax-Deductible Value of Donated Shares

As part of optimizing your portfolio for taxes, you should assess how much of your invested money you can donate to reduce capital gains tax, instead of donating cash.

Betterment Everyday Cash Reserve

Betterment Everyday Cash Reserve (“Cash Reserve”) is offered by Betterment LLC. Clients of Betterment LLC may participate in Cash Reserve through their brokerage account held at Betterment Securities. Neither Betterment LLC nor any of its affiliates is a bank. Through Cash Reserve, clients’ funds are deposited into one or more banks ("Program Banks") where the funds earn a variable interest rate and are eligible for FDIC insurance. Cash Reserve provides Betterment clients with the opportunity to earn interest on cash intended to purchase securities with through Betterment LLC and Betterment Securities. Cash Reserve should not be viewed as a long-term investment option.

Funds held in your brokerage account are not FDIC-insured but are protected by SIPC. Funds in transit to or from Program Banks are generally not FDIC-insured but are protected by SIPC, except when those funds are held in a sweep account following a deposit or prior to a withdrawal, at which time funds are eligible for FDIC insurance but are not protected by SIPC. See Betterment Client Agreements for further details. Funds deposited into Cash Reserve are eligible for up to $1,000,000.00 of FDIC insurance once the funds reach one or more Program Banks (up to $250,000 each at up to four Program Banks). Even if there are more than four Program Banks, Clients will not necessarily have deposits allocated in a manner that will provide FDIC insurance above $1,000,000. The FDIC calculates the insurance limits based on all accounts held in the same insurable capacity at a bank, not just cash in Cash Reserve. If clients elect to exclude one or more Program Banks from receiving deposits the amount of FDIC insurance available through Cash Reserve may be lower. Clients are responsible for monitoring their total assets at each Program Bank, including existing deposits held at Program Banks outside of Cash Reserve, to ensure FDIC insurance limits are not exceeded, which could result in some funds being uninsured. For more information on FDIC insurance please visit www.FDIC.gov. Deposits held in Program Banks are not protected by SIPC. For more information see the full terms and conditions and Betterment LLC’s Form ADV Part II.

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