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Grow your savings with 4.00% APY* (variable)
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Bond investing

Invest in a 100% bond portfolio with up to 6.76%** (variable)
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A managed portfolio of Bitcoin and Ethereum ETFs
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The annual percentage yield ("APY") on the deposit balances in Betterment Cash Reserve ("Cash Reserve") is 4.00% and represents the weighted average of the APY on deposit balances at the banks participating in Cash Reserve (the "Program Banks") and is current as of December 27, 2024. This APY is variable and subject to change daily. Deposit balances are not allocated equally among the participating Program Banks. A minimum deposit of $10 is required, but there is no minimum balance required to be maintained. The APY available to a customer may be lower if that customer designates a bank or banks as ineligible to receive deposits. APY applies only to Cash Reserve and does not apply to checking accounts held through Betterment Checking. Cash Reserve and Betterment Checking are separate offerings and are not linked accounts.

See Betterment's Form ADV Part II and Terms and Conditions for additional information, including details on the deposit allocation methodology.

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Betterment Cash Reserve ("Cash Reserve") is offered by Betterment LLC through brokerage accounts at Betterment Securities. Betterment LLC is not a bank. Client funds in Cash Reserve are deposited into one or more FDIC-insured banks (“Program Banks”), where they earn variable interest and are eligible for FDIC insurance (subject to certain conditions). Cash Reserve provides Betterment clients with the opportunity to earn interest on cash intended to purchase securities through Betterment LLC and Betterment Securities. Cash Reserve should not be viewed as a long-term investment option.

Funds in brokerage accounts are protected by SIPC, but funds at Program Banks are FDIC-insured up to $250K per depositor per bank, with a potential aggregate limit of $2M ($4M for joint accounts) once the funds reach one or more Program Banks. Funds in transit to or from Program Banks are generally not FDIC-insured but are covered by SIPC. FDIC insurance limits include all accounts held at a bank, not just Cash Reserve funds. Trust and corporate accounts may be eligible for additional insurance. Clients are responsible for monitoring their deposits across Program Banks to avoid exceeding FDIC limits.

For details, see Betterment’s Cash Reserve T&Cs and Form ADV Part 2. FDIC insurance information is available at FDIC.gov.

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Checking accounts and the Betterment Visa Debit Card provided by and issued by nbkc bank, Member FDIC. Funds deposited into Checking are FDIC-insured up to $250k for individual accounts and up to $250k per depositor for joint accounts. Betterment Checking made available through Betterment Financial LLC. Neither Betterment Financial LLC, nor any of their affiliates, is a bank. Betterment Financial LLC reimburses ATM fees and the Visa® 1% foreign transaction fee worldwide, everywhere Visa is accepted. Checking accounts do not earn APY (annual percentage yield). Betterment Cash Reserve and Betterment Checking are separate offerings and are not linked accounts.

Any balances you hold with nbkc bank, including but not limited to those balances held in Betterment Checking accounts are added together and are insured up to $250,000 per depositor through nbkc bank, Member FDIC. If you have funds jointly owned, these funds would be separately insured for up to $250,000 for each joint account owner. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Betterment Checking accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit https://www.cambr.com/bank-list. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at https://www.fdic.gov/resources/deposit-insurance/.

Yield data as of [DATE] for the [PORTFOLIO RISK LEVEL] Target Income Portfolio, and ranges [LOW]% to [HIGH]% across four risk levels. Blended 30-day SEC yield is calculated as the weighted average of 30-Day SEC yields for each ETF in the portfolio, net of Betterment’s 0.25% annual advisory fee.

30-Day SEC yield is a standardized calculation set by the SEC for the purpose of comparing bond funds. It represents annualized yield based on the dividends and interest earned by a fund over the last 30 days, after accounting for fund expenses.

Blended 30-day SEC yield measures income generated by the very aggressive portfolio bond ETFs over the previous 30 days, but is not an indicator of future returns and is only a component — and not a measure —of portfolio performance. Investment returns may vary depending on your chosen risk level. Not a guarantee of future performance; investing involves risk, including loss of principal. To review historical performance for each target income risk level, please visit https://www.betterment.com/blackrock-target-income-portfolio.

The blended yield will vary month-to-month as the underlying bond ETFs update their 30-day SEC yields each month.

iShares® and BlackRock® are trademarks of BlackRock and are used under license. BlackRock Target Income Portfolios themselves are not funds but are instead strategies composed of ETFs managed by BlackRock or its affiliates. Betterment is responsible for (i) making its own independent judgment as to how to use the BlackRock Target Income Portfolios with its clients and (ii) determining the appropriateness or suitability of the BlackRock Target Income Portfolio or any of the ETFs included therein for any Betterment clients. BlackRock has no contractual, advisory or fiduciary relationship with any Betterment client and does not have investment discretion over, nor does it place trade orders for, any Betterment client account. BlackRock makes no representations or warranties, express or implied, with respect to any services offered by Betterment, including with respect to the BlackRock Target Income Portfolios.

IMPORTANT BETTERMENT DISCLOSURES

We want you to know a few things:

Who Provides What Service?

Investment Advice: Advisory services are provided by Betterment LLC, an SEC-registered investment adviser.

Traditional Investment Brokerage Services & Custody: Brokerage services are provided to clients of Betterment LLC by Betterment Securities, an SEC-registered broker-dealer and member of FINRA /SIPC, and Apex Clearing Corporation, a third-party SEC registered broker-dealer and member FINRA/SIPC.

Betterment Checking: Betterment Checking is made available through Betterment Financial LLC. Checking accounts and the Betterment Visa Debit Card provided by and issued by nbkc bank, Member FDIC. See Betterment Checking Disclosure.

Betterment at Work: 401(k) plan administration services provided by Betterment for Business LLC. Investment advice to plans and plan participants provided by Betterment LLC, an SEC registered investment adviser.

No Betterment entity is a bank.

Special Disclosure for Betterment Cash Reserve

Betterment Cash Reserve is offered by Betterment LLC and requires a Betterment Securities brokerage account. Client funds in Cash Reserve are deposited into one or more FDIC-insured banks (“Program Banks”), where they earn variable interest and are eligible for FDIC insurance (subject to certain conditions). Funds in brokerage accounts are protected by SIPC, but funds at Program Banks are FDIC-insured up to $250K per depositor per bank, with a potential aggregate limit of $2M ($4M for joint accounts) once the funds reach one or more Program Banks. Funds in transit to or from Program Banks are generally not FDIC-insured but are covered by SIPC. FDIC insurance limits include all accounts held at a bank, not just Cash Reserve funds.

For details, see Betterment’s Cash Reserve T&Cs and Form ADV Part 2. FDIC insurance information is available at FDIC.gov.

Let’s Talk About Risk:

Investing involves risk and there is the potential of losing money when you invest in securities. Past performance does not guarantee future results and the likelihood of investment outcomes are hypothetical in nature.

Investments in securities are: Not FDIC Insured • Not Bank Guaranteed • May Lose Value.

Before investing, consider your investment objectives and Betterment LLC's fees and expenses. Betterment LLC's internet-based advisory services are designed to assist clients in achieving discrete financial goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client's financial situation and do not incorporate specific investments that clients hold elsewhere.

For more details, see Betterment’s Form CRS, Form ADV Part II and other disclosures.

Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Betterment LLC is not registered.

Who Provides the Market Data?

Betterment, 450 West 33rd Street, FL 11 New York, NY 10001

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