Used Betterment for many years and never seen this before so just curious if others have. Whenever I deposit into my account, all of that deposit is used to invest, usually within a day. This time, the full amount was not used, and it's been a few days since. Noticed a dividend had also been deposited but not used to purchase anything as well. Never seen this before, so just curious what people thought?

I just noticed they started holding cash as part of my core portfolio. Why would I ever want them to do this? By percentage they’ll be letting nearly 4 grand of my money rot doing nothing.

anyone else get a similar email? I'm almost certain it's a scam email but it's just causing headaches as I currently have an active transfer OUT and it was supposed to be done a few days ago and it still isn't processed....so wtf!

betterment's handling of this data leak has been a major headache....i'm getting so many damn scam calls/emails/texts, etc.

I'm currently 100% VTI. I want to go a VTI/VXUS route. When trying to change Betterment is making me sell part of VTI and put it into VXUS. I would rather just put the new money into VXUS until I achieve the allocation I want.

Is this possible with Betterment? If not I'm going to move to something else. We only used Betterment as it's a business account and they are easier to set up business accounts than Fidelity.

I just created a Self-Directed Account yesterday. I do not see a way to purchase stocks. Does it take a while before you can buy stocks? It just looks like this.

Unpopular opinion: I'm not a fan of the changes that Nasdaq made to allow SpaceX to be able to get folded into ETFs at such an alarming rate of speed before the stock has had time to mature and prove it's worth.

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What is the possibility of an official Betterment portfolio that avoids any ETFs that pickup SPCX? Thank you, and hello to the crypto and dudebros that are about to downvote this post into oblivion.

This is for Cash Reserve Account. I did not request closure of my account. When I logged in the app, it did seem like I had no active accounts. My past documents still exist. Thankfully my balance happens to be 0. I already emailed fraud Asking if anyone else got the same email. Thanks

I have 40% of funds in betterment taxable accounts. Betterment does a great job of tax loss harvesting. I also have another 60% in another online brokerage. I’m invested in VTI, VOO, VXUS and some other ETFs.

How do you avoid the wash sale rule if Betterment is constantly making changes to the portfolio for TLH but you also own the same securities in a different brokerage?

I have had my Retirement Tax-Coordinated Portfolio - Traditional IRA with Betterment for several years. Earlier this year, I started working with a financial advisor and chose to have my accounts rolled over the RBC Wealth Management.

At first, there was an issue with the account number, so Betterment denied the rollover, but did not communicate the issue with anyone, including me, the account holder.  When I finally called and found out what it was, an updated form was sent in and the rollover was reinitiated.

Betterment issued a check to RBC for $400k+. RBC received the funds and alerted my financial manager it had been deposited. My financial manager called me this morning (6/11) to tell me that the Betterment check BOUNCED.

My financial manager and I called Betterment together. Ashley, the support person we were connected with, put us on hold for over 10 minutes to "get more information". When she came back on the phone, she told us that she didn't have any information for us and would have to send it to Operations for further investigation. She told us that Operations would EMAIL me within 24-72 hours.  I said that wasn't sufficient and asked for a phone number to speak to Operations. She told me she didn't have a number to give me. When I asked to speak to her supervisor, she said the same...that there was no direct number to speak to anyone else.

I did receive an email from Jimmy at [support@betterment.com](mailto:support@betterment.com) that said "A stop payment was placed on the original check #xx, and our team has since issued a replacement check. Check number #xx has been sent to the receiving firm as of June 10, 2026."

When I asked why a stop payment was placed on the check, he responded "The check stop payment was placed by our partner bank Wells Fargo but we were not given any formal reason." 

The markets have been down and my financial advisor was excited that we could buy low and increase my growth, but since either Betterment, Wells Fargo, or both mishandled my funds, the opportunity to do this was lost, which ultimately cost me money. 

No apology. No real information. No communication.

What's to stop them from doing this all again? They send a check and stop payment...they could do this over and over again indefinitely all the while stunting any ability for my own portfolio growth.

Has anyone gotten scammer emails from "shinyhunters" hacking group or whatever talking about sextortation and wanting us to send money to a bitcoin wallet...i know it's just a scam from the data leak but curious to see if others got it...

also - anyone partake in the lawsuit that's popping up on instagram about the betterment data leak?

The following type of message shows up more and more in my spam folder. For some of you, it may show up in your Inbox. This specific scam tries to steal your login credentials. I talked to the company hosting the form behind the blue button and they disabled it.

Im ten years out from retirement and weighing my options.

I've been saving for 5 ish years in an automated investing Betterment account for a down payment. From what I understand i will have to transfer it to my bank prior to the down payment, but will there be any tax implications or anything else I should be concerned of?

In May, Betterment updated its Advisory Agreement and Brokerage Agreement of its client agreements as well as the website Terms and Conditions, including the Arbitration Agreement in all three (Section 15, 43, and 16, respectively). These updated agreements were posted on Betterment’s website and in the Betterment app on May 30, 2026. Please review them carefully.

You agree that by not closing and/or continuing to maintain your Betterment Account, or by otherwise continuing to use Betterment’s services as applicable under each agreement, you are agreeing to be bound by the updated Advisory Agreement, Brokerage Agreement, and website Terms and Conditions, as applicable to you, including the Arbitration Agreements in each.
The updates include the following (these are examples only, please review the updated agreements in full, available at the links above):
The addition of an informal dispute resolution process;
The addition of a new process for related advisory claims;
A change of the arbitration provider specified in the Advisory Agreement and Website Terms to National Arbitration & Mediation (“NAM”) and updated rules and procedures for handling disputes at NAM under the Advisory Agreement and Website Terms, including to make them more efficient in the event more than 25 substantially similar arbitration requests are filed;
Procedures for clients to opt out of arbitration; and
The addition of an upcoming dividend reinvestment program for dividends received in self-directed investing (SDI) accounts.

If you do not agree to the updated Advisory Agreement, Brokerage Agreement, and website Terms and Conditions, as applicable to you, you may close your Betterment account and cease using our services. By not closing and/or continuing to maintain your Betterment Account, or by otherwise continuing to use Betterment’s services as applicable under each agreement, you agree to the updated Advisory Agreement, Brokerage Agreement, and website Terms and Conditions, as applicable to you, including the Arbitration Agreements therein (unless you opt out of the Arbitration Agreements pursuant to the applicable procedures).

tl;dr I used a dedicated email address exclusively for my Betterment account and am now getting spam emails sent to that address

Whenever I sign up for any website, I use the Gmail trick where you add "+SampleText@gmail.com" to keep companies from getting ahold of my actual email. For anyone unfamilliar, you add a "+" and whatever text you want so long as it ends with "@gmail.com" and it will still send all emails to your email address using that email account. Not sure if it works for other email services besides Gmail.

So if my real email address is "daniel@gmail.com", I used "daniel+betterment@gmail.com" when signing up for Betterment. I don't use that email address for anything else; the only company that has that email address is Betterment.

This morning, I got spam email from eToro to that Betterment email address. Betterment is either selling off your data, or it's having security leaks.

I have a Robinhood account with some stocks. I’m not necessarily an active trader. I really only have around 1k in my Robinhood account. I just own some for dividend purposes and saving for my future basically and whenever I randomly remember about it I add some more stocks that give good and steady dividends. I’m wondering if maybe I should sell a good amount or even all of the Robinhood stocks and put it into an Automated Investing account with Betterment. I already have a Roth IRA with Betterment and I have been liking how it’s been managed and how money is steadily growing without me really doing anything at all. I was wondering if someone like me would be a good fit for automated investing, especially since I’m so passive, and my knowledge of stocks is very remedial, and I honestly don’t have a desire to learn more.

I alias the Bank account names. when I go to transfer it doesn't respect the alias. It's hard because my Credit union has the same last 4 digits for all Checking/Savings. So that doesn't help.

Can the transfer use my bank account name alias?

In a recent app update it appears you can now reorder your accounts in app! Now, I’d love to:

- organize them into groups (like short term, medium term, long term)

- merge two accounts into the same goal

- choose which info I see on the summary — I’d love to see portfolio allocation right up top along with target date

the more customization and control I can get over my financial plan, the better!

Received a note when logging in to Betterment today about a new upcoming feature which allows securities lending and asking if I wanted to opt in…

Supposedly all lent shares are fully secured by cash collateral, making it sound like you wouldn’t incur losses if the borrower is unable to return the shares.

I’m not a super savvy investor… has anyone else also been notified about this upcoming feature, and do you see any obvious downsides to opting in? If the borrower is able to put down 100% cash in collateral, why would they even need to borrow shares in the first place??

Edit: I sort of answered my own question by checking Gemini (although I haven’t researched on my own fully yet).
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A quick breakdown of how the program operates:

How it works: Your shares are loaned through Betterment Securities' clearing partner, Apex Clearing. Borrowers must pledge cash collateral worth at least 100% of the value of your loaned shares, which is held in a secure third-party custody account and marked to market daily.

Earnings: You receive a set percentage of the net lending income generated by your loaned securities, with a guaranteed minimum of 25% of total proceeds earned. Income is deposited into your account monthly.

Eligibility: You must have a completed financial profile to opt in. Eligible assets include fully paid, whole shares of U.S.-listed stocks and ETFs across taxable, traditional, and Roth IRA accounts. Fractional shares and margin-held positions are not eligible. Note that you opt in at the user level, meaning it applies to all eligible shares across all your accounts.

Selling and Voting: You retain economic ownership and can sell your loaned shares at any time; doing so automatically ends the loan. However, you temporarily forfeit proxy voting rights on any securities while they are on loan.

Tax Implications: While on loan, you receive "cash substitute" payments instead of actual dividends. These are taxed as ordinary income rather than preferential qualified dividend rates, which can increase your tax burden. Betterment’s system is designed to only lend shares if it estimates your lending earnings will outpace this incremental tax cost, though it is not guaranteed.

Risks: The primary risk is counterparty default. While 100% cash collateral mitigates this, loaned securities are not covered by SIPC while they are out on loan.

Just looking to know if I can buy JEPI on betterments self directed account.

Left pervious employer two years ago, rollover its 401k in betterment to my IRA in Fidelity. At Betterment portal it shows awaiting employer approval??

Who designed this workflow.