Read on for information to help you lead a smarter financial life.
Are You New To Investing? Start Here
Investing can be easier and less expensive than you think. We’ll show you the ropes so that you can start making the most of your money today.
Consider This Your Financial Roadmap
Separating your money into the categories of now, soon, and later can help you see a full picture of your financial roadmap.
FDIC vs SIPC—What’s the difference?
FDIC. SIPC. NCUA. There’s a good chance you’ve heard of most of these acronyms at some point while dealing with your finances. But what exactly does each mean when it comes to your money?
Guidelines for Testing Rails Applications
Discusses the different responsibilities of model, request, and system specs, and other high level guidelines for writing specs using RSpec & Capybara.
Investing in Your 20s: 4 Major Financial Questions Answered
When you're in your 20s, you may be starting to invest or you might have some existing assets you need to take better care of. Pay attention to these major issues.
What Are Your Alternatives To Standard Savings Accounts?
Opting out of a standard savings account could earn you more returns in the long-term. Find out some of your options below.
Manage Your Cash the Modern Way With Two-Way Sweep
Manage your cash the modern way—effortlessly. Try out Two-Way Sweep, our latest in cash management technology.
4 Betterment Investing Options If You Have Low Risk Tolerance
If you’re an investor with low risk tolerance, Betterment has options that can help move forward your investing and savings goals, mediating between potential returns and your desired risk level.
What A Trip To The Casino Can Teach You About Investing And Risk
Learn the ins and outs of how gambling works from a quantitative investor, and use it to your advantage in investing for the long term.
Betterment Everyday™ Cash Reserve Has A Variable APY: What That Means For You
Interest rates change over time, but at Betterment, we are always working hard to help give you one of the best rates possible so you can make the most of your money.
Questions? We have answers
Explore the questions customers like you ask us, and learn how Betterment can help you meet your financial goals.
What can Betterment do for me?
How can I be smart with my savings?
Not sure where to start? Here's our basic two-step starter recommendation.
Step 1. Start with Cash Reserve.
Any money in Cash Reserve should at least fight off inflation. Earn up to APY* with Betterment Everyday™ Cash Reserve.Start with Cash Reserve
Step 2. Choose your financial goals.
When you open your account, we'll suggest goals, like building up a safety net or saving for an upcoming purchase.How To Prioritize Your Financial Goals
How do I start investing?
How do I plan for my retirement?
Who are the experts behind the scenes?
Who to ask
Financial Advisors ready to fit your lifestyle
Augment your digital Betterment experience with access to our advisors over-the-phone. Let us help tailor your financial plan to your situation.Learn More
Betterment Everyday Cash Reserve
*The annual percentage yield ("APY") on the deposit balances in Betterment Everyday 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 Everyday Checking. Cash Reserve and Betterment Everyday Checking are separate offerings and are not linked accounts.
†Betterment Everyday Cash Reserve ("Cash Reserve") is offered by Betterment LLC. Clients of Betterment LLC may 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.
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 of FDIC insurance once the funds reach one or more Program Banks (up to $250,000 each 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 . 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.
Betterment Everyday Checking
‡Checking accounts and the Betterment Visa Debit Card provided by and issued by nbkc bank, Overland Park, Kansas, Member FDIC. Funds deposited into Checking will be eligible for up to $250,000 of FDIC insurance. Betterment Everyday Checking made available through Betterment Financial LLC. Neither Betterment Financial LLC, nor any of their affiliates, is a bank. Betterment Financial LLC does not charge foreign transaction fees for the use of the Betterment Visa Debit Card outside of the United States. However, Visa charges a foreign transaction fee of 1%. Betterment Financial LLC does not reimburse this 1% transaction fee on foreign ATM transactions or on any other foreign transactions or purchases.