Depositing

When you deposit money with Betterment, your money is transferred to Betterment Securities, a FINRA member broker-dealer, with instructions to buy ETFs based on your desired asset allocation between stocks and bonds (Betterment’s two investment baskets). You own shares in the stock and bond ETFs that Betterment recommends for these two baskets and Betterment manages buying and selling them for you. Your funds are automatically invested within 1-3 business days into Betterment’s portfolio, based ...

Deposits into investing goals generally complete in 1-3 business days. Markets are generally open Monday through Friday, 9:30 a.m. to 4:00 p.m., but are closed for certain market holidays. Transactions can also be delayed by bank holidays. Betterment does not guarantee specific execution timelines. We avoid trading on or around market open or close, as markets have historically been more volatile during this time. Pending wait times are imposed by banking and market rules and cannot be sped up ...