Earn Rewards: Sign up now and earn a special reward after your first deposit. See offer details

Now available: New and improved Socially Responsible Investing portfolios. Learn more

<title>Dismiss</title>

Betterment

Save, invest, retire

GET — On the App Store

View

Introducing Custom Model Portfolios. Learn more

<title>Dismiss</title>
Loading

What you get when you invest with us

What you get when you invest with us

  • Strategy built on Nobel Prize-winning research to help you earn better returns

  • Investments diversified across the globe to benefit from multiple markets

  • Low cost with no additional fees, and expense ratios well below industry average

  • Personalized digital advice on how to invest based on your goal

We’ll help you set an investing strategy for every goal.

  • Let us know how much you want to save and by when

  • We’ll recommend a stock-and-bond allocation based on your goal

  • As you near your goal’s due date, we’ll adjust your allocation to reduce risk

  • Easily adjust your allocation yourself, or even build a custom portfolio

Set your first goal

Our portfolios are designed to help you build wealth.

Our strategies diversify your investments across the globe to optimize returns. You can review any investment strategy’s historical performance before you select it, and you’ll always be able to see your goal’s performance in your account.

See historical performance

Invest in the entire market— not just a single stock.

A portfolio is how you choose to invest. For every goal you set with Betterment, we’ll help you customize your portfolio based on your time horizon, risk tolerance, and more. See your portfolio options below.

Invest in the entire market— not just a single stock.

Learn more about our general investing offerings, which can be compared to a global market index.

Betterment Core Portfolio

Recommended portfolio strategy focused on global diversification with low-cost, tax-efficient ETFs

Learn more about our core portfolio

Goldman Sachs Smart Beta

Aims to outperform market-capitalization portfolios with Goldman Sachs ETFs

Explore this portfolio’s risks and returns

Choose from our Socially Responsible Investing Portfolios.

Broad Impact Portfolio

Includes ETFs with high ESG ratings and weighs criteria equally to keep investments balanced

Learn more about values-based investing

Climate Impact Portfolio

Includes climate-conscious ETFs that support companies with lower carbon emissions and helps fund green projects

Get more details on the ETFs included

Social Impact Portfolio

Includes two ETFs that support minority empowerment and gender diversity in the workplace

Learn about the NACP and SHE funds included

For a lower-risk approach, try an all-cash or all-bond option.

Betterment Cash

Cash-only strategy, with money held in our program bank network earning a variable interest rate of

Get FDIC insurance, unlimited transfers, and more

BlackRock Target Income

Bond-only strategy that avoids stock market volatility by focusing on bond income rather than market returns

Explore this portfolio’s different risk levels

Learn more about our general investing offerings

Choose from our Socially Responsible Investing Portfolios

For a lower-risk approach, try an all-cash or all-bond option.

Looking for more control over your portfolio?

With our Flexible Portfolio options, you can adjust the weights of individual asset classes or choose not to invest in certain geographies or bond classes.

Frequently asked questions

Two Way Sweep and Cash Analysis are not available for goals that can be held in Betterment cash or an Investing portfolio strategy. These features can only be accessed through a Cash Reserve goal.

* The annual percentage yield ("APY") on the deposit balances in Betterment Cash Reserve ("Cash Reserve") is 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 . This APY is variable and subject to change daily. See Current APY. 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.

Betterment Cash Reserve ("Cash Reserve") is offered by Betterment LLC. Clients of Betterment LLC participate in Cash Reserve through their brokerage account held at Betterment Securities. Neither Betterment LLC nor any of its affiliates is a bank. Through Cash Reserve, clients' funds are deposited into one or more banks ("Program Banks") where the funds earn a variable interest rate and are eligible for FDIC insurance. 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. Two Way Sweep and Cash Analysis are not available for goals that can be held in Betterment cash or an Investing portfolio strategy. These features can only be accessed through a Cash Reserve goal.

Funds held in your brokerage accounts are not FDIC‐insured but are protected by SIPC. Funds in transit to or from Program Banks are generally not FDIC‐insured but are protected by SIPC, except when those funds are held in a sweep account following a deposit or prior to a withdrawal, at which time funds are eligible for FDIC insurance but are not protected by SIPC. See Betterment Client Agreements for further details. Funds deposited into Cash Reserve are eligible for up to (or $2,000,000.00 for joint accounts) of FDIC insurance once the funds reach one or more Program Banks (up to $250,000 for each insurable capacity — e.g., individual or joint — at up to four Program Banks). Even if there are more than four Program Banks, clients will not necessarily have deposits allocated in a manner that will provide FDIC insurance above (or $2,000,000.00 for joint accounts). The FDIC calculates the insurance limits based on all accounts held in the same insurable capacity at a bank, not just cash in Cash Reserve. If clients elect to exclude one or more Program Banks from receiving deposits the amount of FDIC insurance available through Cash Reserve may be lower. Clients are responsible for monitoring their total assets at each Program Bank, including existing deposits held at Program Banks outside of Cash Reserve, to ensure FDIC insurance limits are not exceeded, which could result in some funds being uninsured. For more information on FDIC insurance please visit www.FDIC.gov. Deposits held in Program Banks are not protected by SIPC. For more information see the full terms and conditions and Betterment LLC's Form ADV Part II.