To participate, you'll need a completed financial profile and must agree to the program terms at opt-in.
Eligible investments include fully paid whole shares of U.S.-listed stocks and ETFs. Fractional shares and margin-held positions are not eligible.
Eligible accounts include taxable accounts (individual and joint) and tax-advantaged accounts. Trusts and business accounts are not eligible. Participation is also subject to Betterment Securities' discretion—certain account types or balances may be excluded, with additional details shared at launch.
One thing to know: you opt in at the user level, not the account level. That means once you've opted in, all eligible shares across all accounts you own will automatically be available for lending. You can't choose to include some accounts and exclude others. For joint accounts, lending follows the opt-in or opt-out status of the primary account holder.
