Whether you’re saving or investing, it’s important to make sure you’re working with a company that puts your money to work. Here’s how we do that at Betterment:

SAVINGS

High-yield cash accounts like Cash Reserve could be a smart hedge during volatile markets—especially for money you’re saving to be used soon.

• New customers can earn 13x more than the average savings account** with Betterment’s Cash Reserve account.

• Additionally, we offer up to $2M ($4M for joint accounts) in FDIC insurance through our program banks†, with unlimited withdrawals and no fees.

• When you’re ready to start investing, you can set up recurring transfers from Cash Reserve directly into a portfolio, which helps you take advantage of dollar cost averaging.

New customers earn up to 5.50% APY* with Cash Reserve.

Qualifying deposit of $10 required,  apply. For Cash Reserve (“CR”), Betterment LLC only receives compensation from our program banks; Betterment LLC and Betterment Securities do not charge fees on your CR balance. Cash Reserve available to clients of Betterment LLC, which is not a bank, and cash transfers to program banks are conducted through brokerage accounts at Betterment Securities.

INVESTING

Low-cost, ETF-based portfolios make it easy to diversify your investments across thousands of stocks and bonds while keeping costs down.

• Our Investing and Capital Markets Teams monitor our portfolios, making adjustments when necessary to account for major market changes.

• We don’t just choose stocks. Our experts review and score assets, and run portfolio simulations against various scenarios to help measure expected long-term performance.

• As a fiduciary, it’s our job to act in your best interest. We’ll never recommend investments or give you guidance unless we believe it’ll help you reach your financial goals.

Automated investing technology can perform multiple sophisticated, time-saving actions on your behalf, helping optimize your money.

• Automated rebalancing helps keep your portfolio at the preferred risk level as markets fluctuate and assets change in value. And we use deposits and automated dividend reinvestment to rebalance tax-efficiently.

• Recurring deposits and transfers help you save regularly without having to remember to do so. Just set the amount and frequency, and we handle the rest.

• Tax Coordination helps us optimize your after-tax returns by strategically holding investments in each account type.

THE BIG IDEA

Whether you’re saving or investing, your money should be working hard for you. Betterment makes it easy. We manage more than $40 billion dollars across cash, investing, and retirement for over 800,000 customers. We’d love to make your money hustle, too.

*Current promotional rate. The annual percentage yield ("APY") on the deposit balances in Betterment Cash Reserve ("Cash Reserve") is 4.75% 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 7/31/23, plus a .75% boost available as a special offer for 3 months with qualifying deposit. ; if the base APY increases or decreases, you’ll get the .75% boost on the updated rate. This APY is variable and subject to change daily. 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. Cash Reserve is only available to clients of Betterment LLC, which is not a bank, and cash transfers to program banks are conducted through the clients’ brokerage accounts at Betterment Securities. Learn more about Cash Reserve at .

See Betterment's  and  for additional information, including details on the deposit allocation methodology.

**The national average savings account interest rate is reported by the FDIC (as of July 17, 2023) as the average annual percentage yield (APY) for savings accounts with deposits under $100,000.

Investing involves risk, and performance is not guaranteed.