Make Your Money Hustle

Whether or not you’re saving or investing, it’s necessary to be sure to’re working with an organization that places your cash to work. Right here’s how we try this at Betterment:

SAVINGS

Excessive-yield money accounts like Money Reserve might be a wise hedge throughout risky markets—particularly for cash you’re saving for use quickly.

• New clients can earn 13x greater than the common financial savings account** with Betterment’s Money Reserve account.
• Moreover, we provide as much as $2M ($4M for joint accounts) in FDIC insurance coverage by our program banks†, with limitless withdrawals and no charges.
• Once you’re prepared to begin investing, you’ll be able to arrange recurring transfers from Money Reserve immediately right into a portfolio, which helps you benefit from greenback price averaging.

Qualifying deposit of $10 required, Terms and conditions apply. For Money Reserve (“CR”), Betterment LLC solely receives compensation from our program banks; Betterment LLC and Betterment Securities don’t cost charges in your CR stability.

INVESTING

Low-cost, ETF-based portfolios make it straightforward to diversify your investments throughout 1000’s of shares and bonds whereas conserving prices down.

• Our Investing and Capital Markets Groups monitor our portfolios, making changes when essential to account for main market adjustments.
• We don’t simply select shares. Our consultants overview and rating property, and run portfolio simulations towards varied situations to assist measure anticipated long-term efficiency.
• As a fiduciary, it’s our job to behave in your greatest curiosity. We’ll by no means suggest investments or provide you with steerage except we consider it’ll make it easier to attain your monetary targets.

Automated investing expertise can carry out a number of refined, time-saving actions in your behalf, serving to optimize your cash.

• Automated rebalancing helps preserve your portfolio at the popular danger degree as markets fluctuate and property change in worth. And we use deposits and automatic dividend reinvestment to rebalance tax-efficiently.
• Recurring deposits and transfers make it easier to save commonly with out having to recollect to take action. Simply set the quantity and frequency, and we deal with the remainder.
• Tax Coordination helps us optimize your after-tax returns by strategically holding investments in every account kind.