Betterment Invest & Save Money 8.71.0

Invest and save more effectively with Betterment. The market is flooded with investing apps, but what sets Betterment apart? It's simple: Betterment is a robo advisor that leverages advanced technology to optimize your experience. Whether you're a novice investor or a seasoned stock market expert, Betterment tailors its services to meet your specific needs. Join the 800,000+ individuals who have trusted us with over $36 billion in assets.

As an independent digital investment advisor and fiduciary, Betterment's primary goal is to help you make the best decisions for your money so you can improve your overall quality of life. Getting started is quick and easy, with just $10 required and no minimum balance. Our user-friendly app allows you to keep track of your financial goals, both short-term and long-term.

New customers now earn a variable APY* of 5.50% (as of 8/16/23) on cash deposits. With a qualifying deposit, you can earn an additional 0.75% APY*, which is over 13 times** the national average. Plus, your earnings are protected by up to $2 million† in FDIC insurance through our program banks. For more information, visit betterment.com.

Be prepared for any market situation with our expert-built portfolios. Tailor your stock-and-bond risk level based on recommendations from industry professionals. Choose from our optimized, curated portfolios of ETFs, such as Innovative Tech, Goldman Sachs Smart Beta, or socially responsible investing options like Broad, Social, or Climate Impact portfolios.

Invest confidently with technology that optimizes for you in various market conditions. Our platform automatically rebalances your portfolio and reinvests dividends. Take advantage of automated tools like tax-loss harvesting and tax coordination between accounts to minimize your tax impact. You can also set up recurring deposits on your preferred schedule. If you have any questions, we offer abundant resources or the option to consult our financial advisors.

Retain more of your money with our affordable pricing model. Invest with us for just $4 per month, or pay an annual fee of 0.25% on your investing account balance if you meet any of the following criteria: a total Betterment balance of $20,000 or more across any accounts held at Betterment, or recurring deposits of $250 per month or more into any account. Upgrade to Premium for unlimited access to advisors at just 0.4% of your invested assets—a fraction of the cost compared to traditional advisors. Our advisors are CERTIFIED FINANCIAL PLANNER™ professionals who are salaried and never commissioned, resulting in significantly lower management fees.

Transform your life goals into tangible financial goals. Save for that exercise bike, your dream vacation, and more. Diversify beyond your 401(k) with an IRA. Utilize our projection tools to create a comprehensive plan and calculate how to achieve your target with our goal forecaster.

See the bigger picture with our all-in-one financial dashboard. Connect external accounts, monitor your net worth, and track your investment performance—all in one place.

Unlock additional benefits with Betterment. Invest in cryptocurrency with diversified expert-built portfolios and access in-depth resources. Manage everyday spending with Checking accounts and the Betterment Visa Debit Card provided and issued by nbkc bank, Member FDIC. Our checking services are made available through Betterment Financial LLC—all without the need for a traditional banking institution.

• National average savings account interest rate is reported by the FDIC (as of 7/31/23) as the average annual percentage yield (APY) for savings accounts with deposits under $100,000.

Checking accounts and the Betterment Visa Debit Card are provided and issued by nbkc bank, Member FDIC. Checking services are made available through Betterment Financial LLC. Neither Betterment Financial LLC, nor any of their affiliates, is a bank.