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Individuals Employers Advisors Logo Open menu Investing Automated investing IRAs and 401(k) rollovers Portfolio options Socially responsible investing Crypto investing Historical performance tool Cash High-yield cash account Checking account Rewards Planning Talk to an advisor Retirement planning Track your goals All-in-one dashboard About Who we are Investment philosophy Pricing Press Education Articles Videos Employee resources Help center FAQ See solutions for Individuals Employers Advisors Log in New Customer Offer: Earn up to 5.50% (variable) APY* for 3 months when you open your first cash account with a qualifying deposit. Terms apply. Close Icon An easy way to invest & save We put your money to work so you can take it easy. Build wealth with automated investing , earn more on your cash with variable 5.00% APY* , and grow your retirement with tax-advantaged IRAs. Best Overall Robo Advisor 2024 ★★★★★ 4.7 rating 60,500 § reviews See full disclosures for award details. Image is hypothetical. Automated Investing to help you build wealth High APY to grow your savings Tax-advantaged IRAs for retirement Jump to Section Please select Automated Investing to help you build wealth High APY to grow your savings Tax-advantaged IRAs for retirement Take the stress out of investing with automation. G et a diversi fi ed , expert-built portfolio to help you invest like a pro . We manage your money for you — helping minimi z e taxes and maximi z e returns — while you focus on living your life . Curated portfolios , including sustainability , tech , and crypto Automated rebalancing and dividend reinvestment Tax-ef fi cient tools to help boost your after-tax returns Recurring deposits can help keep your money on track Best Portfolio Management, 2024 Best Overall Robo Advisor, 2024 Best Robo Advisor of 2023 Best Robo-Advisor Overall, 2023 See full disclosures for award details. Image is hypothetical How we help you get more from your money. Tax savings can pay your fee. 78% of customers using our tax-loss harvesting feature had their taxable advisory fee covered by likely tax savings (in 2022). Fee coverage and estimated tax savings based on internal calculations. See more in disclosures. Recurring deposits can help you earn even more. Over the last decade, customers who automated their deposits earned 6% higher annual returns than those who did not. 10-year annualized return based on internal calculations for the Core portfolio. See more in disclosures. Put more power behind your savings with 5.00% variable APY.* Don’t let traditional savings accounts keep your money from growing. Our high-yield cash account earns interest at 10x the national average.** No fees or minimum balance Up to $2M FDIC insurance with our program banks † Unlimited withdrawals Transfer cash to investing accounts seamlessly Best for Cash Management 2023 See full disclosures for award details. For Cash Reserve (CR”), LLC only receives compensation from our program banks; LLC and Securities do not charge fees on your CR balance. Loading ...loading image Make saving for retirement easy with an IRA. Feel confident saving for retirement with one of our IRAs. Get tax benefits along with our automated technology and full suite of planning tools. Traditional , Roth , and S E P IRAs Rollovers could save you on high fees and hassle Planning tools to help you save for retirement Best 401(k) Plans 2024 Best for IRAs 2024 See full disclosures for award details. Image is hypothetical 850,000+ Customers $45+ Billion Assets under management 14+ years In business Arch illustration - desktop Arch illustration - mobile Here’s what our customers have to sayIt’s a good "set-it-and-forget-it" investing tool for my family. Casey M. Saves the stress and hassle of handling retirement savings myself. David S. I like the different types of accounts offered, the high APY, and how easy it is to check my accounts on mobile. Karen G. Set-it-and-forget-it investing. Low fees. Easy to see my financial status at a glance. Andrew C. The climate change portfolio is great. I like being able to plan for retirement while knowing my savings are not supporting Big Oil! Julie O. It’s easy to select stock and bond allocation for your risk type. Michael M. Non-paid client of . Views may not be representative, see more reviews at the App Store and Google Play Store . Ready to get started? Check out our most popular accounts. Invest Automated investing Build wealth with diversified, expert-built portfolios. save High-yield cash savings Earn more interest on your savings with 5.00% variable APY.* RETIRE IRAs Grow your retirement savings with a tax-advantaged IRA. Images are hypothetical Want to know how you can make the most of your money? Take our quiz. I’m in school Caret Right Icon I’m working or job hunting Caret Right Icon I’m retired Caret Right Icon Still have questions? How does work? Caret Down Icon helps you manage your money through cash management, guided investing, and retirement planning. We are a fiduciary, which means we act in your best interest. We’ll ask a bit about you when you sign up . We’ll also gather information when you connect your outside accounts . Then, we’ll help you set financial goals and set you up with investment portfolios for each goal. For your long-term financial needs (like retirement, next year’s vacation, or a down payment), our investment strategy utilizes low-cost ETFs (exchange-traded funds) and an adjustable risk profile based on your goal type and how long you plan to invest. For your daily saving and spending, you can use our cash management products that include Checking (which is offered by nbkc bank, Member FDIC) and Cash Reserve , a high-yield cash account. Will I have access to real humans? Caret Down Icon Customer support team members are available five days per week to answer questions about your account. If you want in-depth financial advice, you can talk to a licensed advisor by phone for an additional cost. Our Premium plan provides you with unlimited access and costs an additional 0.15% on your invested balances (with a minimum account balance requirement of $100,000). Is my money safe at ? Caret Down Icon Securities is a Member of SIPC, which protects securities of its members up to $500K (including $250K for claims for cash). Explanatory brochure available upon request or at www.sipc.org. What you should remember is that the SPIC does not protect against market changes in your investing account. Individual Cash Reserve accounts have FDIC insurance up to $2 million and joint Cash Reserve accounts offer up to $4 million in FDIC insurance once funds are deposited into our program banks † . Funds deposited into Checking are FDIC-insured up to $250,000 for individual accounts and up to $250,000 per depositor for joint accounts, provided by nbkc bank, Member FDIC. Explore further details about FDIC insurance . Who are the experts behind the scenes? Caret Down Icon Our team of investing experts make decisions about our portfolio strategies and fund selection with the help of an external committee of economists, PhDs, and industry experts. More than just a portfolio management team, our experts work to develop improvements to our Tax Smart technology , our cash analysis tools, and other advanced strategies. Triangle illustration Make your money hustle. Want to know how you can make the most of your money? Take our quiz. I’m in school Caret Right Icon I’m working or job hunting Caret Right Icon I’m retired Caret Right Icon Triangle illustration Get started Get started on Close Icon App Download Stay in browser Continue Logo Icon SVG Footer Accounts Investing Crypto investing IRAs and 401(k) rollovers Roth IRAs High-yield cash account Checking Trusts Investments Portfolio options Socially responsible investing Tax-smart investing Charitable giving 401(k) rollovers Retirement income Tools Retirement planning Track your goals All-in-one dashboard Rewards Refer-a-friend program Help Help...