Semantic Coherence: Betterment Holdings Inc. – Signal Evidence & AI Readability

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[H1] Build your wealth in the background
Investing and saving shouldn’t take over your life. Let our automation and tax-saving tech do the work for you.

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Boost your savings up to 4.00% (variable) APY New customer offer; Get a boost on your savings for 3 months. Your boost stays locked in, even if our base rate changes. Terms apply.
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Enroll and earn up to $2,000 The more you invest, the more you can earn. Terms apply.

[H1] Invest with fewertax surprises
Keep more of what you earn with Betterment’s tax-saving technology. Our trading algorithms take tax optimization to a level that’s practically impossible to replicate on your own.

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Boost your savings up to 3.90% (variable) APY Get a boost on your savings for 3 months. Your boost stays locked in, even if our base rate changes. Terms apply.
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Enroll and earn up to $1,500 The more you invest, the more you can earn. Terms apply.

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.

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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Boost your savings up to 4.00% APY (variable) through January 15, 2026. New customers only. Terms apply.

Claim your offer

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Results for the long termSince its launch, our Core portfolio has delivered over 9% composite annual time-weighted returns after fees.

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[H2] Start with our most popular accounts.

Join over 1 million people building wealth with confidence and ease.

INVEST

[H2] Automated investing

Build wealth with diversified, expert-built portfolios.

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SAVE

[H2] High-yield cash

Earn more interest on your savings with 3.25% variable APY.

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RETIRE

[H2] IRAs

Grow your retirement savings with a tax-advantaged IRA.

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INVEST

Automated investing

Build wealth with diversified, expert-built portfolios.

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SAVE

High-yield cash

Earn more interest on your savings with 4.00% variable APY.

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RETIRE

IRAs

Grow your retirement savings with a tax-advantaged IRA.

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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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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

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

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INVEST
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.

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[H3] Ongoing optimization

Invest across global markets and asset classes to better build wealth through market cycles. Investors in our Core portfolio earned ~10% annual returns on average. (Since launch date)

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[H3] 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.

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[H3] Build wealth without the busywork

Choose one of our expert-built portfolios with all the trading, rebalancing, reinvesting, and tax management done for you.

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Invest with our globally diversified, expert-built portfolios.

Explore portfolio options

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Save
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 is 10x the national average.

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[H3] $0 fees

Forget any monthly or maintenance costs—what you earn is what you keep.

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[H3] $4 million FDIC insurance

Eligible cash is FDIC insured up to $8 million (joint) or $4 million (individual) at our program banks. subject to certain conditions. That's 16x what most firms offer.

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[H3] Move money with ease

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

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RETIRE

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.

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Tax benefits

We coordinate your retirement accounts for maximum tax efficiency, helping you save on taxes and grow your returns.

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Retirement planning

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

Learn more

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[H2] See why 1M+ customers trust us to manage $70B+ of their money.

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"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.

"Because of the opportunity to invest in a better future - the climate change portfolio is great."
JULIA O.

"Portfolio options are clear, cost effective and well implemented."
CHRISTOPHER T.

Read more reviews

Clients. Views may not be representative. See App Store & Google Play reviews.

[H2] Still have questions?

How does Betterment work?
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?
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 across eligible balances).

Is my money safe at Betterment?
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.
Eligible cash is FDIC-insured up to $8 million (joint) and $4 million (individual) in FDIC insurance once funds are deposited into our program banks, subject to certain conditions.
Funds deposited into Checking are FDIC-insured up to $250,000 for individual accounts and up to $500K per depositor for joint accounts, provided by nbkc bank, Member FDIC. Explore further details about FDIC insurance.

Who are the experts behind the scenes?
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.

[H2] Want to know how you can make the most of your money? Take our quiz.

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[H2] Build wealth with confidence and ease.

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Build your wealth with automated investing

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[H1] Investing made easy
Award-winning technology meets decades of investor know-howto help your money grow for the long run.

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[H2] Technology powered by human expertise.

We're always working to help grow your money—maximizing returns, minimizing taxes, and handling all the busywork. Every decision is guided by real experts focused on helping you build wealth over the long term.

[H3] Automated investing

We manage all the trading, rebalancing, reinvesting, and tax management for you, moves that make a big difference over decades.
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[H3] Personalized platform

We build an investing portfolio around what you want to accomplish, whether that’s retirement or simply building wealth.
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[H3] Diversified portfolios

Your money is invested across global markets and asset classes, a better way to build wealth through market cycles.
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[H3] Expert-managed

Our in-house Investing Team regularly monitors, analyzes, and updates portfolios to help strengthen your investments.
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[H2] Since launch, our Core portfolio’s average annual return has been ~10% after fees.

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[H2] Investing that fits your needs.

[H3] Accounts built for retirement and more.
Traditional IRA, Roth IRA, SEP IRA, 401(k) rollover, and Solo 401(k).
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[H3] Make your retirement more tax-efficient.
Open both an IRA and a taxable investing account, and we’ll coordinate them to help minimize tax liabilities and better grow your retirement savings.

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Invest with our globally diversified, expert-built portfolios.

Explore portfolio options

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Enroll and earn up to $1,500

Open any individual investing account (including an IRA) and make a deposit to earn up to $1,500 on us. The more you invest, the more you can earn.

Claim offer

[H2] Investing that can help lower your taxes.

Nearly 70% of customers using tax-loss harvesting covered their taxable advisory fees through estimated tax savings.

[H2] Pay for a wedding

[H2] Save for education

[H2] Buy a home

[H2] Build wealth

[H2] Trusted to do what's right for your money.

[H5] As a fiduciary, we're legally bound to put your interests first when you invest.

[H2] 1 Million+

Customers

[H2] $70B+

Assets under management

[H2] 4.8 rating

78.1K reviews on App Store and Google Play

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[H3] $70B+ in assets

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[H3] 1 Million+ customers

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Member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org.

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[H3] 4.8 rating 78.1K reviews

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Cash Sweep Program

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[H1] Cash Reserve

[H2] Cash Sweep Program Disclosure
Updated April 20, 2026
Effective May 1, 2026, MTG LLC d/b/a Betterment Securities (“Betterment Securities”, our broker-dealer) is consolidating its existing cash management activities into a single, unified program called the Cash Sweep Program through which available cash in your account will be managed. This means cash in your Betterment account, including funds held in our Transfer Sweep Program and Cash Reserve, will be managed under one program. As part of this program, clients authorize Betterment Securities to automatically move, or “sweep,” available cash into one or more banks insured by the Federal Deposit Insurance Corporation (each, a “Program Bank”). Betterment LLC (“Betterment”, our registered investment adviser) instructs Betterment Securities as to how to allocate this uninvested cash across Program Banks, following the settlement of securities transactions and/or completion of transfers from the Transfer Account (as defined below). The Cash Sweep Program is governed by the terms and conditions set out in Section 34 of your Brokerage Agreement and the Cash Sweep Addendum.
[H2] 1. Cash Reserve
[H3] Betterment Cash Reserve Overview
Cash Reserve is our no-fee, 100% cash account, which shields your money from market volatility.  Given its relatively low returns compared to potential market gains, we generally recommend this account for funds you intend to spend within the next year. Key features of Cash Reserve include a 3.25% annual percentage yield (APY variable), FDIC insurance is available for eligible cash held across Betterment accounts in the Cash Sweep Program up to $4 million at our program banks $8 million for joint accounts), subject to certain conditions, and fast access to your money. Eligible cash includes balances in Cash Reserve, cash held in managed investing portfolios and self-directed investing, and cash held in Transfer Accounts (as defined below) but not, for avoidance of doubt, balances in Betterment Checking, which is not a part of the Betterment Cash Sweep Program. Neither Betterment LLC, nor Betterment Securities, nor any of their affiliates is an FDIC-insured bank.
[H3] Elective Offering
Cash Reserve is a Betterment offering that you may elect to participate in by providing instruction to Betterment in your account Interface. If you participate in Cash Reserve, you authorize Betterment, on a discretionary basis, to direct Betterment Securities as to the allocation of your funds among Program Banks in order to achieve, on each day, a blended average rate of interest that is available across all client balances in Cash Reserve.
[H3] How Cash Reserve Works
Cash Reserve is offered through Betterment and managed via brokerage accounts at Betterment Securities as part of the Cash Sweep Program. While Betterment is not a bank, client funds in Cash Reserve are deposited into one or more FDIC-insured Program Banks, where they earn variable interest and qualify for FDIC insurance, subject to certain conditions. This account is designed to provide clients with a secure, interest-earning option for cash that may later be used to invest through Betterment. However, it is not intended for long-term investing.
[H3] SIPC and FDIC Protection
Cash held in Betterment accounts, including funds deposited into Cash Reserve, become eligible for FDIC insurance once they are transferred to one or more Program Banks, with up to $250,000 per depositor per bank, with a maximum aggregate coverage of $4 million ($8 million for joint accounts) once deposited into multiple Program Banks. Funds held in Transfer Accounts are covered by FDIC insurance up to $250,000 for all deposits held in the same insurable capacity (e.g., individual, joint, IRA, etc.). If you choose to exclude certain Program Banks from receiving deposits, your total FDIC insurance coverage may be reduced.  Funds in transit to or from Program Banks are generally not FDIC-insured but remain covered by SIPC (Securities Investor Protection Corporation). FDIC insurance limits apply to all accounts a client holds at a bank, not just their cash held at Betterment. Certain trust and corporate accounts may be eligible for additional FDIC insurance. Clients are responsible for monitoring their deposits across multiple banks to avoid exceeding FDIC insurance limits.
For more details, refer to the Cash Sweep Addendum to the Betterment Client Agreements and Betterment’s Form ADV Part 2 and our FDIC & SIPC disclosures. Additional information on FDIC insurance can be found at FDIC.gov.
[H3] 2. Deposit Accounts and Program Banks
The following banks participate in the Cash Sweep Program:

Who it's for
Anyone depositing money to be spent soon

Holdings

Apple Bank1

Program bank

Bank Hapoalim, B.M.1

Program bank

Barclays Bank Delaware1

Program bank

CIBC Bank USA1

Program bank

Cross River Bank

Program bank

Encore Bank 1

Program bank

First Internet Bank of Indiana 1

Program bank

First Merchant Bank1

Program bank

First Western Trust Bank1

Program bank

Forbright Bank 1

Program bank

HSBC Bank USA, N.A.1

Program bank

Lake Forest Bank & Trust Company, N.A.1

Program bank

Morgan Stanley Bank, N.A.1

Program bank

Morgan Stanley Private Bank, National Association1

Program bank

NexBank1

Program bank

Northbrook Bank and Trust Company, N.A.1

Program bank

Northern Bank & Trust Company1

Program bank

State Bank of the Lakes, N.A. 1

Program bank

State Street Bank and Trust Company1

Program bank

The Bancorp Bank2

Program bank

Truist Bank1

Program bank

Webster Bank, N.A.1

Program bank

Wells Fargo Bank, N.A.1 2

Program bank

Western Alliance Bank1

Program bank

Wheaton Bank and Trust, N.A. 1

Program bank

First Carolina Bank 1

Program bank

1 Program Bank using both a Money Market Deposit Account and a Demand Deposit Account.
2 Program Bank with a Transfer Account (as defined below).
Betterment is not a bank. Deposit Accounts are obligations of the Program Banks and not of Betterment or Betterment Securities. You do not have a direct account relationship with any Program Bank.
You may exclude any Program Bank from receiving your funds by making a request in writing to Betterment at support@betterment.com. Excluding a Program Bank may reduce the APY available to you and the amount of FDIC insurance for which you are eligible will be reduced. You are unable to designate all Program Banks as ineligible to receive your funds. For more information, please review the Cash Sweep Addendum to the Betterment Client Agreements.
In addition, Deposit Accounts at The Bancorp, N.A. and Wells Fargo Bank, N.A. provide transactional functionality by temporarily holding Transfer Cash, as defined in the Betterment Client Agreements (“Transfer Accounts”). You may not exclude these Program Banks from receiving Transfer Cash. Betterment Securities will automatically sweep Transfer Cash into the Transfer Accounts. Betterment does not instruct Betterment Securities as to the sweep of Transfer Cash or its placement in Transfer Accounts.
You may not exclude these Program Banks from receiving Transfer Cash.
The Transfer Account at Wells Fargo Bank, N.A. receives (i) rollover funds from third-party financial institutions destined for investment in a Betterment individual retirement account (“IRA”) or 401(k), and (ii) proceeds for outgoing IRA rollovers to third-party financial institutions.
The Transfer Account at The Bancorp, N.A. receives all other funds, including (i) funds for the purchase of securities, (ii) dividends, (iii) transfers from third-party financial institutions, and (iv) proceeds from the sale of securities, in each case, for Betterment IRA, HSA, 401(k), and taxable accounts.

[H2] Be invested.

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New customer offer
Earn more with a boost on your savings

Open a Cash Reserve account and make a qualifying deposit to get a 0.75% APY boost on your savings for 3 months. Your boost stays locked in, even if our base rate changes.

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Terms apply.

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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.

[H2] See how Betterment’s Cash Reserve stacks up

Betterment
Robinhood Gold
SoFi
Chase

APY

4.40%

4.00%

3.80%

0.1%

Account fees

$0

$5/mo

$0

$5/mo(conditional)

FDIC insurance

Up to $2M

Up to $2.5M

Up to $3M

Up to $250k

[H2] What makes Betterment’s Cash Reserve better?

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[H2] Earn a higher APY.

Grow your savings with an APY 10x the national average.

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[H2] $8 million insured.

Rest easy, eligible cash is FDIC-insured up to $8 million (joint) or $4 million (individual) at our program banks, subject to certain conditions. That's 16X what most firms offer.

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[H2] Unlimited withdrawals. No fees.

Compare this to other banks that limit how often you can access your money.

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[H2] No minimum balance.

Other institutions offer higher interest rates based on a larger balance—you can grow your money with us for as little as $10.

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Optimize your cash today. Start saving for tomorrow.
Set money aside for what matters to you. Create multiple savings goals and use our automated tools to help you achieve them.

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Keep your money safe as it grows.
Cash Reserve lets you earn interest even during volatile times. Eligible cash is FDIC-insured up to $8 million (joint) or $4 million (individual) at our program banks, subject to certain conditions. Meaning you won’t have to sacrifice security for growth.

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[H4]  Our Program Banks
Bank Hapoalim, B.M.1
Barclays Bank Delaware1
CIBC Bank USA1
Cross River Bank
Encore Bank 1
First Internet Bank of Indiana1
First Merchant Bank1
First Western Trust Bank1
Forbright Bank 1
HSBC Bank USA, N.A.1
Lake Forest Bank & Trust Company, N.A.1
Morgan Stanley Bank, N.A.1
Morgan Stanley Private Bank, National Association1
NexBank1
Northbrook Bank and Trust Company, N.A.1
State Bank of the Lakes, N.A.1
State Street Bank and Trust Company1
The Bancorp Bank2
Truist Bank1
Webster Bank, N.A.1
Wells Fargo Bank, N.A.1 2
Western Alliance Bank1
Wheaton Bank and Trust, N.A.1
Apple Bank1

[H2] Our Program Banks

Bank Hapoalim, B.M.1

Barclays Bank Delaware1

CIBC Bank USA1

Cross River Bank

Encore Bank 1

First Internet Bank of Indiana 1

First Merchant Bank1

First Western Trust Bank1

Forbright Bank 1

HSBC Bank USA, N.A.1

Lake Forest Bank & Trust Company, N.A.1

Morgan Stanley Bank, N.A.1

Morgan Stanley Private Bank, National Association1

NexBank1

Northbrook Bank and Trust Company, N.A.1

State Bank of the Lakes, N.A. 1

State Street Bank and Trust Company1

The Bancorp Bank2

Truist Bank1

Webster Bank, N.A.1

Wells Fargo Bank, N.A.1 2

Western Alliance Bank1

Wheaton Bank and Trust, N.A. 1

Apple Bank1

Northern Bank & Trust Company1

First Carolina Bank 1

Cash Reserve Terms and Conditions

List last updated Oct. 24, 2025. FDIC insurance provided by Program Banks, subject to certain conditions. Up to $8M (jt.)/$4M (ind.) applies to eligible cash. Electing to exclude one or more Program Bank from receiving deposits may lower the amount of FDIC insurance available.