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 auto