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Updated Aug. 03, 2026

Custom portfolios carry the same 0.25% annual wrap fee as Betterment's other managed accounts. That fee is never charged on your cash position.

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Betterment Cash Reserve is part of the Cash Sweep Program (“CSP”) and is offered by Betterment LLC. CSP requires a Betterment Securities brokerage account. Client funds in the CSP are deposited into one or more FDIC-insured banks (“Program Banks”). Assets in the Cash Reserve Program under the CSP earn variable interest. CSP assets 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 $4M ($8M 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 CSP funds. For details, see Betterment’s CSP disclosure and Form ADV Part 2. FDIC insurance information is available at FDIC.gov.

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