Allocations as of April 2, 2024

This portfolio strategy has 101 different allocation options, from 0% to 100% stocks. The 90% stock, 10% bond portfolio has been selected to display holdings. Different allocations will have different weights of each asset class. Betterment may recommend a different allocation based on various goal inputs tailored to each client, including the time horizon for your goal with the longest period starting at 90% stocks. The holdings shown reflect the portfolio model for tax-deferred accounts, like IRAs or 401(k)s. You can expect differences in taxable accounts.

Taxable, HSA, and IRA portfolios target an operational cash allocation held at Program Banks that does not earn interest; when there are fees, withdrawals, or other portfolio management actions, this cash will be used first. Actual holdings will vary.