Self-directed investing
Select and manage your investments along with tax insights you won’t get anywhere else.
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Build wealth with confidence and ease
Investing and saving shouldn’t take over your life. Betterment automates the work for you.
Invest the way you want- Helps you save on taxes
- Trusted by 1M+ customers
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Get started with an account in minutes.
Invest
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. Annual percentage yield (variable) is 3.25% as of 12/12/2025, plus a 0.75% boost (“APY Boost”) on balances up to $1M 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.
Invest the way you want.
You're in control
Let us handle it
Automated investing
Most popularGet a globally diversified portfolio and we’ll handle all trading, rebalancing, and tax management for you.
You build it, we manage it
Custom portfolios
NewPick your own stocks and ETFs. We automate portfolio rebalancing, dividend reinvesting, and taxes for you.
As of 12/31/2025. Composite annual time-weighted returns: 20.06% over 1 year, 9.32% over 5 years, and 10.06% 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.
Logos above are trademarks of their respective companies. Betterment waives its wrap fee on assets in self-directed investing accounts.
Retirement accounts with personalized tracker and advice.
Pick traditional or Roth IRAs for tax-advantaged retirement savings. Or opt for an even higher contribution limit with a solo 401(k) or SEP IRA if you're self-employed.
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Your cash should
work harder.
Earn a competitive APY on your cash. Set money aside for what matters to you. Create multiple savings goals and earn 11X more than the average bank account.
Earn more on every dollar you save- Build your emergency fund or save toward a goal
- No fees or minimums
- FDIC insured up to $8M (joint) and $4M (individual)
Your money’s protected and your interests come first.
3/3/25 for Feb ’25. Fee paid for logo use. See more.
96%
of customers trust Betterment to help them save and invest
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We're a fiduciary.
Betterment is a registered investment adviser, which means we're legally required to act in your interest. We only make money when you make money.
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SIPC protection for securities up to $500K.
Securities in your Betterment account are held and protected by Betterment Securities, a FINRA member.
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Technology backed by human expertise.
Our team of behavioral finance experts, CFPs, and portfolio specialists monitor, analyze, and adjust your investments to help strengthen your returns.
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$70B+
Assets under management
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1M+
customers trust us with their money
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$10
to get started
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Weighted avg. app store rating as of 6.2.25 (reviews since: 9.10.10 Apple). See more.
Common questions. Real answers.
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.
