Invest and save better with Betterment. Investing apps are a dime a dozen, right? So, you might be wondering why you should download this investing app. It’s simple: Betterment is a robo advisor built with technology that optimizes for you, creating a tailored experience that fits your needs whether you’re an investor-in-training or a stock market guru. Join the 900,000+ people who entrust us with over $50 billion.

As an independent digital investment advisor and fiduciary, Betterment is built to help you do what’s best for your money so you can live better. Get started in minutes with just $10 and no minimum balance. Keep track of your financial life across your short- and long-term savings goals with our easy-to-use app.

NEW CUSTOMERS EARN 5.00% VARIABLE APY* (as of 9/20/24) ON CASH
- Get an extra 0.50% APY* with qualifying deposit and over 10x** the national average.
- Protect your earnings with up to $2 million† in FDIC insurance at our program banks.
- Learn more at www.betterment.com/cash-portfolio

GET UP TO A 3% MATCH ON NEW CONTRIBUTIONS TO AN IRA
- 1% match for digital customers and a 3% match for Premium customers! Premium comes with access to a team of CFP professionals, a .25% Cash Reserve preferred rate boost, and more.
- Make saving for retirement easy with an IRA. We’ll match net Roth and traditional IRA contributions until December 30, 2024.
- Learn more at www.betterment.com/ira-and-401k

EXPERT-BUILT PORTFOLIOS TO HELP YOU WEATHER THE MARKET
- Customize your stock-and-bond risk level with recommendations from the pros.
- Choose one of our optimized, curated portfolios of ETFs, like Innovative Tech, Goldman Sachs Smart Beta, or socially responsible investing options: Broad, Social, or Climate Impact portfolios
- Looking for an all-bond strategy? Try our BlackRock Target Income portfolio or our Goldman Sachs Tax-Smart Bond portfolio to target higher yields while taking on less risk than stocks.

INVEST WITH TECH THAT OPTIMIZES FOR YOU
- Rebalance your portfolio and reinvest dividends automatically
- Limit your tax impact with automated tools, like tax-loss harvesting and tax coordination between accounts
- Set up recurring deposits on your preferred schedule
- Questions? We’ve got resources galore or ask our financial advisors!

KEEP MORE OF YOUR MONEY
- Invest with us for just $4/month, or pay an annual fee of 0.25% on your investing account balance when you:
- Have a total Betterment balance of $20,000 or more across investing and cash accounts you hold at Betterment, or
- Set up a recurring deposit(s) of $250/month or more into any account
- Upgrade to Premium for unlimited access to advisors at just .65% of your invested assets, a fraction of the cost compared with traditional advisors
- These are CERTIFIED FINANCIAL PLANNER™ professionals, salaried never commissioned, for a significantly lower management fee

TURN LIFE GOALS INTO MONEY GOALS
- Manage money for everyday spending and get cash back with Checking
- Save for that exercise bike, your next vacation, and more
- Go beyond your 401(k) with an IRA
- Use our projection tools to create a plan
- Calculate how to reach your target with our goal forecaster

SEE THE BIGGER PICTURE
- Get our all-in-one financial dashboard
- Connect outside accounts, see your net worth, and view your investment performance, all in one place