Goodbye, Idle Cash. Hello, Smart Saver.
Many of us hold too much cash in our bank accounts. It’s just sitting there, possibly earning you next-to-nothing. With Smart Saver, you could earn a 2.15% annual yield.*Start saving
Don't let your yield fall behind.
Smart Saver is a low-risk investing account composed of bonds (80% Short-Term U.S. Treasury Bonds, 20% Short-Term Investment Grade Bonds). So, if rates rise—like they have for the past several years—so does your yield. Banks, on the other hand, set their own rates and often don’t keep up with the market rate. Some even drop their rates over time.*Start saving
Find your extra cash.
Not sure how much extra cash you have? We’ve got you covered. We can analyze expenses, estimate spending needs, and help you figure out just how much extra cash you might be holding in your checking account.Analyze your account
Tax challenges to solve in early 2019
2018 Tax Season Calendar: The Dates You Need to Know
Before you get started with filing your taxes this year, take a look at our 2018 tax season calendar to make sure you’re aware of important tax deadlines.
Tax-Coordinated Portfolio: Tax-Smart Investing Using Asset Location
Betterment’s Tax-Coordinated Portfolio could increase after-tax returns by 15% over 30 years.
4 IRA Questions and Answers for Tax Filing Season
Can you contribute to a 401k and a deferred compensation plan? How about a 401k, a SEP, and a Roth? If you've got quirky tax-time questions, we've got answers.
* 2.15% yield is the asset-weighted blend of the 30 Day SEC Yield as of 5/1/2019 (a standardized calculation that reflects the dividends and interest earned after deduction of the fund’s expenses) of the ETFs that comprise this portfolio net of Betterment’s management fee (0.25% for its Digital plan). The ETFs were chosen with an aim to limit risk and produce income. Yield is an important number in evaluating a low-risk, all-bond portfolio, but is distinct from actual investment returns, which may vary. 20X the average savings account is calculated by taking the FDIC’s national average savings account interest rate for deposits under $100,000 of 0.10% (as of data available 5/1/2019) compared to 2.15%, the expected yield of a Betterment Smart Saver portfolio. Click here for more information.