How long do deposits take to invest?

Deposits into investing goals generally complete in 1-2 business days. They typically invest on the next market day if the deposit was made before 11PM EST.

Markets are generally open Monday through Friday, 9:30 a.m. to 4:00 p.m., but are closed for certain market holidays. Transactions can also be delayed by bank holidays.

If you have an auto-deposit scheduled on the weekend, it will invest the following Tuesday. This is done to avoid potential overdrafts to your bank account and allow you an additional day to cancel your auto-deposit. You’ll receive an email the day before your auto-deposit is set to transfer from your bank account as a reminder.

Betterment does not guarantee specific execution timelines. We avoid trading on or around market open or close, as markets have historically been more volatile during this time. Pending wait times are imposed by banking and market rules and cannot be sped up by Betterment.

Transaction Timeline Table