What should you do with your money?

We have the accounts that make it easy to decide. From growing your savings to building long-term wealth, you can be invested with your preferred balance of risk and return.

A phone with stocks, bonds, and cash as options on the screen.

Lower risk/reward

Higher risk/reward

Cash only

High-yield cash

Earn interest on your savings with no market risk and access your money whenever you need it.
- Yield
  
  5.00% APY** (variable)
- Principal risk
  
  FDIC insurance up to $2M through program banks^†
Bonds only

Goldman Sachs Tax-Smart Bonds

Gives higher-income individuals a personalized bond portfolio to generate additional after-tax yield.
- Yield
  
  4.59%**
- Principal risk
  
  Very conservative
Bonds only

BlackRock Target Income

Earn higher yields while limiting stock market volatility with one of four levels of risk to choose from.
- Yield
  
  4.91% - 6.10%**
- Principal risk
  
  Conservative to moderate
Stocks and bonds

Investing portfolios

Build wealth for the long-term with one of our diversified portfolios of stocks and bonds.
- Returns
  
  See performance
- Principal risk
  
  Moderate to aggressive

How to think about risk and return.

A smart approach to investing involves balancing your goals and timeline with your risk tolerance. If you're unsure where to start, open a Betterment account, and we'll help you find the right account.