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3.50% APY

No fees or minimums. FDIC insured up to $4M.\*\* Unlimited withdrawals. Variable APY.
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**Earn up to 4.15% (variable) APY!** Lock in your 0.65% boost through January 15, 2026. Terms apply.

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# Self-directed investing is here

Trade thousands of stocks and ETFs on a platform you trust with no commissions and tax insights you won’t find anywhere else.



Logos above are trademarks of their respective companies.



- **Boost your savings up to** **4.15% APY** (variable) through January 15, 2026. New customers only. Terms apply.
Claim your offer
- **Results for the long term**
Since its launch, our Core portfolio has delivered over 9% composite annual time-weighted returns after fees. Learn more



As of 12/31/2024, and inception date 9/7/2011. Composite annual time-weighted returns: 12.7% over 1 year, 7.9% over 5 years, and 7.8% over 10 years. Composite performance calculated based on the dollar-weighted average of actual client time-weighted returns for the Core portfolio at 90/10 allocation, net of fees, includes dividend reinvestment, and excludes the impact of cash flows. Performance not guaranteed, investing involves risk. Cash Reserve offered by Betterment LLC and requires a Betterment Securities brokerage account. Betterment is not a bank. FDIC insurance provided by Program Banks, subject to certain conditions. Learn more.



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## Start with our most popular accounts.



- INVEST## Automated investing

Build wealth with diversified, expert-built portfolios.
- SAVE## High-yield cash

Earn more interest on your savings with 3.50% variable APY.
- RETIRE## IRAs

Grow your retirement savings with a tax-advantaged IRA.







## Investing should always be this easy.

We manage your money for you—putting our technology behind every dollar you invest—so you can focus on living your life.





- ### Managed portfolios

Choose from our curated portfolios or build your own—all using low-cost exchange-traded funds.
- ### Save more in taxes

We use tax-loss harvesting to help turn market dips into tax savings In fact, **Nearly 70% of customers using tax-loss harvesting covered their taxable advisory fees through estimated tax savings.**
- ### Ongoing optimization

We monitor your investments, rebalance your portfolio, and reinvest dividends to help maximize your returns.





## Invest the way you want.

Choose from thousands of stocks and ETFs with Betterment by your side.

- See tax impact before you sell
- Trade fractional shares
- Pay no commission or management fees

Start investing Learn more


Betterment waives its wrap fee on assets in self-directed investing accounts.



## Boost your savings with a high-yield cash account.

Don’t let traditional savings accounts keep your money from growing. Whether saving for an emergency fund or a big goal, our high-yield cash account earns interest at ~9x the national average.





- ### $0 fees

Forget any monthly or maintenance costs—what you earn is what you keep.
- ### $2M FDIC insurance

Enjoy up to $2 million ($4 million for joint accounts) FDIC insurance with our program banks, subject to certain conditions. FDIC-insured up to $2M is 8X what most firms offer.
- ### Move money with ease

Easily transfer cash to your investing account, set up recurring savings, and withdraw funds anytime you need.





## Feel confident about retirement with an IRA.

Grow your retirement savings with a tax-advantaged traditional, Roth, or SEP IRA. Get tax benefits along with our automated technology and full suite of planning tools.





- ### Tax benefits

We coordinate your retirement accounts for maximum tax efficiency, helping you save on taxes and grow your potential returns.
- ### Lower fees

Rollovers to a Betterment IRA of low-cost ETFs can save on high 401(k) fees.
- ### Retirement planning

We build you a personalized plan, recommend how much to save, and adjust as needed.



### As the largest independent digital investment advisor, see what customers say about Betterment

> Excellent place to make your money work for you.”

Kathryn H.

> It's a good "set-it-and-forget-it" investing tool for my family."

Casey M.

> Saves the stress and hassle of managing retirement savings myself"

David S.







## Want to know how you can make the most of your money? Take our quiz.



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## Still have questions?

- How does Betterment work? Caret Down Icon

Betterment helps you manage your money through cash management, guided investing, and retirement planning. We are a fiduciary, which means we act in your best interest.

We'll ask a bit about you when you sign up. We'll also gather information when you connect your outside accounts. Then, we'll help you set financial goals and set you up with investment portfolios for each goal.

For your long-term financial needs (like retirement, next year's vacation, or a down payment), our investment strategy utilizes low-cost ETFs (exchange-traded funds) and an adjustable risk profile based on your goal type and how long you plan to invest.

For your daily saving and spending, you can use our cash management products that include Checking (which is offered by nbkc bank, Member FDIC) and Cash Reserve, a high-yield cash account.
- Will I have access to real humans? Caret Down Icon

Customer support team members are available five days per week to answer questions about your account.

If you want in-depth financial advice, you can talk to a licensed advisor by phone for an additional cost. Our Premium plan provides you with unlimited access and costs an additional 0.40% on your invested balances (with a minimum investing account balance requirement of $100,000).
- Is my money safe at Betterment? Caret Down Icon

Betterment Securities is a Member of SIPC, which protects securities of its members up to $500K (including $250K for claims for cash). Explanatory brochure available upon request or at www.sipc.org. What you should remember is that the SIPC does not protect against market changes in your investing account.

Individual Cash Reserve accounts have FDIC insurance up to $2 million and joint Cash Reserve accounts offer up to $4 million in FDIC insurance once funds are deposited into our program banks.

Funds deposited into Checking are FDIC-insured up to $250,000 for individual accounts and up to $250,000 per depositor for joint accounts, provided by nbkc bank, Member FDIC. Explore further details about FDIC insurance.
- Who are the experts behind the scenes? Caret Down Icon

Our team of investing experts make decisions about our portfolio strategies and fund selection with the help of an external committee of economists, PhDs, and industry experts.

More than just a portfolio management team, our experts work to develop improvements to our Tax Smart technology, our cash analysis tools, and other advanced strategies.



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- ## Accounts
- Automated investing
- Self-directed Investing
- High-yield cash
- IRAs
- Crypto investing
- Checking
- Trusts
- ## Tools
- Portfolio options
- Historical performance
- Tax savings
- Mobile app
- Goal tracker
- All-in-one dashboard
- Charitable giving
- Socially responsible (SRI)
- ## Service
- Talk to an advisor
- Premium
- Rollover support
- Retirement advice
- ## Resources
- Education
- Support
- FAQ
- Risk and return
- Pricing
- ## About
- About us
- Reviews
- Press
- Careers
- ## Rewards
- 4.15% APY boost
- Refer a friend
- ## Disclosures
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National average savings account annual percentage yield (APY) (as of October 29, 2025) for savings accounts under $100,000, per FDIC.

Annual percentage yield (variable) is 3.50% as of October 31, 2025, plus a 0.65% boost (“APY Boost”) for new clients with a qualifying deposit. $10 min deposit for base APY. Terms apply; if the base APY changes, the Boosted APY will change.

Annual percentage yield (variable) is 3.50% as of October 31, 2025, plus a 0.25% boost (“APY Boost”); clients must maintain the Premium $100k account threshold across eligible investments; other terms apply.  $10 min deposit for base APY. If the base APY changes, the Boosted APY will change.

The reported customer count of 1 Million+ is as of Oct. 21, 2025, and is inclusive of checking and investing clients.

Betterment's reported assets under management (AUM) of $65 Billion+ is as of Oct. 21, 2025.

Betterment does not provide tax advice. TLH is not suitable for all investors. Learn more.

Checking accounts and the Betterment Visa Debit Card provided by and issued by nbkc bank, Member FDIC. Betterment Checking made available through Betterment Financial LLC. Neither Betterment Financial LLC, nor any of their affiliates, is a bank. Betterment Financial LLC reimburses ATM fees and the Visa® 1% foreign transaction fee worldwide, everywhere Visa is accepted. Checking accounts do not earn APY (annual percentage yield). Betterment Cash Reserve and Betterment Checking are separate offerings and are not linked accounts.



Any balances you hold with nbkc bank, including but not limited to those balances held in Betterment Checking accounts are added together and are insured up to $250,000 per depositor through nbkc bank, Member FDIC. Betterment is not FDIC-insured. FDIC insurance only covers the failure of an insured bank. If you have funds jointly owned, these funds would be separately insured for up to $250,000 for each joint account owner. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Betterment Checking accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit https://www.cambr.com/bank- list. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at https://www.fdic.gov/resources/deposit-insurance/.

Logos are trademarks of respective companies. © 2025 FactSet Research Systems Inc. All rights reserved.

Learn more about Self-Directed Investing.



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**IMPORTANT BETTERMENT DISCLOSURES**

Information is educational only and not investment or tax advice. External links are educational, and do not imply Betterment’s endorsement. All screenshots are for illustrative purposes only.



**Who Provides What Service?**

Investment Advice: Advisory services are provided by Betterment LLC, an SEC-registered investment adviser. Betterment LLC's internet-based advisory services are designed to assist clients in achieving discrete financial goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client's financial situation and do not incorporate specific investments that clients hold elsewhere. Betterment is not a tax advisor.

Brokerage Services & Custody: Brokerage services are provided to clients of Betterment LLC by Betterment Securities, an SEC-registered broker-dealer and member of FINRA/SIPC, and Apex Clearing Corporation, a third-party SEC registered broker-dealer and member FINRA/SIPC.

Betterment Checking: Betterment Checking is made available through Betterment Financial LLC. Checking accounts and the Betterment Visa Debit Card provided by and issued by nbkc bank, Member FDIC.  **See Betterment Checking Disclosure****.**

Betterment at Work: 401(k) plan administration services provided by Betterment for Business LLC.  Investment advice to plans and plan participants provided by Betterment LLC, an SEC registered investment adviser.

**No Betterment entity is a bank.**

**Special Disclosure for Betterment Cash Reserve**

Betterment Cash Reserve is offered by Betterment LLC and requires a Betterment Securities brokerage account. Client funds in Cash Reserve are deposited into one or more FDIC-insured banks (“Program Banks”), where they earn variable interest and are eligible for FDIC insurance (subject to certain conditions). Funds in brokerage accounts are protected by SIPC, but funds at Program Banks are FDIC-insured up to $250K per depositor per bank, with a potential aggregate limit of $2M ($4M for joint accounts) once the funds reach one or more Program Banks. Funds in transit to or from Program Banks are generally not FDIC-insured but are covered by SIPC. FDIC insurance limits include all accounts held at a bank, not just Cash Reserve funds. For details, see Betterment’s Cash Reserve T&Cs and Form ADV Part 2. FDIC insurance information is available at FDIC.gov.

**Let’s Talk About Risk:**

Investing involves risk and there is the potential of losing money when you invest in securities. Past performance does not guarantee future results and the likelihood of investment outcomes are hypothetical in nature.Investments in securities are: **Not FDIC Insured • Not Bank Guaranteed • May Lose Value.** Before investing, consider your investment objectives and Betterment LLC's fees and expenses. For more details, see Betterment’s Form CRS, Form ADV Part II and other disclosures. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Betterment LLC is not registered.

**Who Provides the Market Data?** Market Data by Xignite and FactSet. Copyright © 2025 FactSet Research Systems Inc. Fund data © 2022 Morningstar. All Rights Reserved.

**© Betterment Holdings Inc.** **All rights reserved.****Betterment,** **450 West 33rd Street, FL 11 New York, NY 10001**

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