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 850,000+ people who entrust us with over $45 billion. As an independent digital investment advisor and fiduciary, Betterment’s mission is 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 5.50% VARIABLE APY* (as of 4/2/24) ON CASH - Get an extra 0.50% APY* with qualifying deposit and over 11x** the national average. - Protect your earnings with up to $2 million† in FDIC insurance at our program banks. - Learn more at betterment.com WEATHER ANY MARKET WITH EXPERT-BUILT PORTFOLIOS - 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 to earn higher yields than cash 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 any 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 .4% 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 - 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 GET MORE WITH BETTERMENT - Crypto Investing with diversified expert-built portfolios and in-depth resources - Manage money for everyday spending with Checking - Retirement planning with a 401(k) plan for your business ______________________ Betterment 8 W 24th St., New York, NY 10010 **National average savings account interest rate is reported by the FDIC (as of 3/18/24) as the average annual percentage yield (APY) for savings accounts with deposits under $100,000. Checking accounts and the Betterment Visa Debit Card provided and issued by nbkc bank, Member FDIC. Checking made available through Betterment Financial LLC. Neither Betterment Financial LLC, nor any of their affiliates, is a bank. While bonds are substantially less volatile than stocks, investing in bonds is not without risk. Digital assets are highly speculative and volatile, and only suitable for investors able to bear the risk of loss and sharp drawdowns. Digital assets are not legal tender and not subject to FDIC insurance or SIPC protections.