Betterment Invest & Save Money

Build long-term wealth with Betterment, the automated investing and savings app designed to help you reach your financial goals. Whether you’re new to investing or managing a diverse portfolio, Betterment gives you the tools, automation, and expert-built portfolios to grow wealth with confidence. Join 1M+ investors who trust us with over $70B in investments. Start today with as little as $10 and build your financial future with confidence. Betterment is a trusted money management platform that uses automated technology to make investing and saving smart and easy. INVEST & SAVE WITH CONFIDENCE - Start investing and saving with no minimum balance - Track your cash, savings, and investments in one app - Manage financial goals for short and long-term growth EARN 3.25% VARIABLE APY* (AS OF 12/12/25) WITH BETTERMENT CASH RESERVE - Grow your savings with a high-yield cash account - Get up to an extra 0.75% APY* with qualifying deposits - Cash Reserve lets you earn interest even during volatile times at 10x the national average. - Protect your eligible cash with up to $4M FDIC insurance through program banks. Subject to certain conditions. Learn more: betterment.com/cash-portfolio EXPERT-BUILT PORTFOLIOS - Choose from low-cost, globally diversified portfolios that match your risk tolerance and goals. - Diversify with stock and bond ETFs - Explore low-cost, expert-built portfolios like Social Impact, Innovative Technology, or Climate Impact - Choose bond-only portfolios like Goldman Sachs Tax-Smart Bonds - We manage all the trading, rebalancing, reinvesting, and tax management for you, automatically SELF-DIRECTED INVESTING - Start trading individual stocks, ETFs, and mutual funds, all with a platform you trust. - Invest in stocks and ETFs with Betterment’s tools by your side - See your tax impact before you sell - ​​ Trade fractional shares with no commissions - Invest and build your wealth your way SMART AUTOMATION & OPTIMIZATION - Betterment’s automated tech does the work for you. - Automatically reinvest available dividends and rebalance your portfolio - Improve tax efficiency with tools like tax-loss harvesting - Automate deposits to grow your investments consistently - Get expert guidance and advice LOW FEES. REAL GROWTH POTENTIAL. - Keep more of what you earn while your investments grow. - Invest for $5/month or 0.25% annually with $24K balance or $200+ monthly deposit - Upgrade to Premium (0.65%) for unlimited CFP® advisor access - Certified Financial Planner® professionals, salaried, never commissioned, for a significantly lower management fee PLAN FOR RETIREMENT & SAVINGS GOALS - Turn future financial planning into action - Build retirement savings with IRAs or taxable accounts - Manage spending with hassle-free, no-fee checking - Plan income growth and long-term savings - Track net worth, outside accounts, and investment performance SO, WHY BETTERMENT? Betterment combines investing, crypto, cash, and savings in one easy-to-use app to help you build lasting wealth. With automation, expert-built portfolios, and low pricing, you can invest and save confidently and focus on your financial growth with ease.