Betterment Invest & Save Money

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ื”ื•ืจื“ื•ืช
ืกื™ื•ื•ื’ ืชื•ื›ืŸ
ื›ื•ืœื
ืฆื™ืœื•ื ืžืกืš
ืฆื™ืœื•ื ืžืกืš
ืฆื™ืœื•ื ืžืกืš
ืฆื™ืœื•ื ืžืกืš
ืฆื™ืœื•ื ืžืกืš
ืฆื™ืœื•ื ืžืกืš
ืฆื™ืœื•ื ืžืกืš
ืฆื™ืœื•ื ืžืกืš

ืžื™ื“ืข ืขืœ ืืคืœื™ืงืฆื™ื” ื–ื•

ื”ืฉืงื™ืขื• ื•ื—ืกื›ื• ื˜ื•ื‘ ื™ื•ืชืจ ืขื Betterment. ืืคืœื™ืงืฆื™ื•ืช ื”ืฉืงืขื” ื”ืŸ ืคืจื•ื˜ื” ืฉืœ โ€‹โ€‹ืชืจื™ืกืจ, ื ื›ื•ืŸ? ืื– ืื•ืœื™ ืืชื” ืชื•ื”ื” ืœืžื” ืืชื” ืฆืจื™ืš ืœื”ื•ืจื™ื“ ืืช ืืคืœื™ืงืฆื™ื™ืช ื”ื”ืฉืงืขื” ื”ื–ื•. ื–ื” ืคืฉื•ื˜: Betterment ื”ื•ื ื™ื•ืขืฅ ืจื•ื‘ื• ืฉื ื‘ื ื” ืขื ื˜ื›ื ื•ืœื•ื’ื™ื” ืฉืžื‘ืฆืขืช ืื•ืคื˜ื™ืžื™ื–ืฆื™ื” ืขื‘ื•ืจืš, ื•ื™ื•ืฆืจ ื—ื•ื•ื™ื” ืžื•ืชืืžืช ืœืฆืจื›ื™ื ืฉืœืš ื‘ื™ืŸ ืื ืืชื” ืžืฉืงื™ืข ื‘ื”ื›ืฉืจื” ืื• ื’ื•ืจื• ื‘ื‘ื•ืจืกื”. ื”ืฆื˜ืจืคื• ืœ-850,000+ ืื ืฉื™ื ืฉืžืคืงื™ื“ื™ื ื‘ื™ื“ื™ื ื• ืœืžืขืœื” ืž-45 ืžื™ืœื™ืืจื“ ื“ื•ืœืจ.

ื›ื™ื•ืขืฅ ื”ืฉืงืขื•ืช ื“ื™ื’ื™ื˜ืœื™ ืขืฆืžืื™ ื•ื›ื ืืžืŸ, ื”ืžืฉื™ืžื” ืฉืœ Betterment ื”ื™ื ืœืขื–ื•ืจ ืœืš ืœืขืฉื•ืช ืืช ื”ื˜ื•ื‘ ื‘ื™ื•ืชืจ ืขื‘ื•ืจ ื”ื›ืกืฃ ืฉืœืš ื›ื“ื™ ืฉืชื•ื›ืœ ืœื—ื™ื•ืช ื˜ื•ื‘ ื™ื•ืชืจ. ื”ืชื—ืœ ืชื•ืš ื“ืงื•ืช ืขื $10 ื‘ืœื‘ื“ ื•ืœืœื ื™ืชืจืช ืžื™ื ื™ืžื•ื. ืขืงื•ื‘ ืื—ืจ ื”ื—ื™ื™ื ื”ืคื™ื ื ืกื™ื™ื ืฉืœืš ืขืœ ืคื ื™ ื™ืขื“ื™ ื”ื—ื™ืกื›ื•ืŸ ืœื˜ื•ื•ื— ื”ืงืฆืจ ื•ื”ืืจื•ืš ืฉืœืš ืขื ื”ืืคืœื™ืงืฆื™ื” ื”ืงืœื” ืœืฉื™ืžื•ืฉ ืฉืœื ื•.

ืœืงื•ื—ื•ืช ื—ื“ืฉื™ื ืžืจื•ื•ื™ื—ื™ื 5.50% APY ืžืฉืชื ื”* (ื ื›ื•ืŸ ืœ-4/2/24) ื‘ืžื–ื•ืžืŸ
- ืงื‘ืœ ืชื•ืกืคืช ืฉืœ 0.50% APY* ืขื ื”ืคืงื“ื” ืžืชืื™ืžื” ื•ืžืขืœ ืคื™ 11** ืžื”ืžืžื•ืฆืข ื”ืืจืฆื™.
- ื”ื’ืŸ ืขืœ ื”ืจื•ื•ื—ื™ื ืฉืœืš ืขื ืขื“ 2 ืžื™ืœื™ื•ืŸ ื“ื•ืœืจโ€  ื‘ื‘ื™ื˜ื•ื— FDIC ื‘ื‘ื ืงื™ื ื‘ืชื•ื›ื ื™ืช ืฉืœื ื•.
- ืœืžื™ื“ืข ื ื•ืกืฃ ื‘ื›ืชื•ื‘ืช betterment.com

ืžื–ื’ ืื•ื•ื™ืจ ื‘ื›ืœ ืฉื•ืง ืขื ืคื•ืจื˜ืคื•ืœื™ื• ืฉื ื‘ื ื• ืขืœ ื™ื“ื™ ืžื•ืžื—ื™ื
- ื”ืชืื ืื™ืฉื™ืช ืืช ืจืžืช ื”ืกื™ื›ื•ืŸ ืฉืœ ื”ืžื ื™ื•ืช ื•ื”ืื’"ื— ืฉืœืš ืขื ื”ืžืœืฆื•ืช ืžื”ืžืงืฆื•ืขื ื™ื.
- ื‘ื—ืจ ืื—ื“ ืžื”ืชื™ืงื™ื ื”ืื•ืคื˜ื™ืžืœื™ื™ื ืฉืœื ื• ืฉืœ ืชืขื•ื“ื•ืช ืกืœ, ื›ืžื• Innovative Tech, Goldman Sachs Smart Beta, ืื• ืืคืฉืจื•ื™ื•ืช ื”ืฉืงืขื” ืื—ืจืื™ื•ืช ื—ื‘ืจืชื™ืช: ืชื™ืงื™ื ืจื—ื‘ื™ื, ื—ื‘ืจืชื™ื™ื ืื• ืืงืœื™ื ื”ืฉืคืขื”
- ืžื—ืคืฉ ืืกื˜ืจื˜ื’ื™ื™ืช ื›ืœ ืงืฉืจ? ื ืกื” ืืช ืชื™ืง BlackRock Target Income ืฉืœื ื• ื›ื“ื™ ืœื”ืจื•ื•ื™ื— ืชืฉื•ืื•ืช ื’ื‘ื•ื”ื•ืช ื™ื•ืชืจ ืžืžื–ื•ืžืŸ ืชื•ืš ื ื˜ื™ืœืช ืกื™ื›ื•ืŸ ืคื—ื•ืช ืžืžื ื™ื•ืช.

ื”ืฉืงื™ืขื• ื‘ื˜ื›ื ื•ืœื•ื’ื™ื” ืฉืžื™ื™ืขืœืช ืขื‘ื•ืจื›ื
- ืื™ื–ื•ืŸ ืžื—ื“ืฉ ืืช ืชื™ืง ื”ื”ืฉืงืขื•ืช ืฉืœืš ื•ื”ืฉืงืข ืžื—ื“ืฉ ื“ื™ื‘ื™ื“ื ื“ื™ื ื‘ืื•ืคืŸ ืื•ื˜ื•ืžื˜ื™
- ื”ื’ื‘ืœ ืืช ื”ืฉืคืขืช ื”ืžืก ืฉืœืš ืขื ื›ืœื™ื ืื•ื˜ื•ืžื˜ื™ื™ื, ื›ืžื• ืงืฆื™ืจืช ื”ืคืกื“ ืžืก ื•ืชื™ืื•ื ืžืก ื‘ื™ืŸ ื—ืฉื‘ื•ื ื•ืช
- ื”ื’ื“ืจ ื”ืคืงื“ื•ืช ื—ื•ื–ืจื•ืช ืœืคื™ ืœื•ื— ื”ื–ืžื ื™ื ื”ืžื•ืขื“ืฃ ืขืœื™ืš
- ืฉืืœื•ืช? ื™ืฉ ืœื ื• ืžืฉืื‘ื™ื ื‘ืฉืคืข ืื• ืฉืืœ ืืช ื”ื™ื•ืขืฆื™ื ื”ืคื™ื ื ืกื™ื™ื ืฉืœื ื•!

ืฉืžื•ืจ ื™ื•ืชืจ ืžื›ืกืคืš
- ื”ืฉืงื™ืขื• ืื™ืชื ื• ืชืžื•ืจืช $4 ื‘ืœื‘ื“ ืœื—ื•ื“ืฉ, ืื• ืฉืœื ืขืžืœื” ืฉื ืชื™ืช ืฉืœ 0.25% ืขืœ ื™ืชืจืช ื—ืฉื‘ื•ืŸ ื”ื”ืฉืงืขื” ืฉืœืš ื›ืืฉืจ ืืชื”:
- ื™ืฉ ื™ืชืจื” ื›ื•ืœืœืช ืฉืœ Betterment ืฉืœ $20,000 ืื• ื™ื•ืชืจ ื‘ื›ืœ ื”ื—ืฉื‘ื•ื ื•ืช ืฉืืชื” ืžื—ื–ื™ืง ื‘-Betterment, ืื•
- ื”ื’ื“ืจ ื”ืคืงื“ื” ื—ื•ื–ืจืช ืฉืœ $250 ืœื—ื•ื“ืฉ ืื• ื™ื•ืชืจ ืœื›ืœ ื—ืฉื‘ื•ืŸ
- ืฉื“ืจื’ ืœ-Premium ืœืงื‘ืœืช ื’ื™ืฉื” ื‘ืœืชื™ ืžื•ื’ื‘ืœืช ืœื™ื•ืขืฆื™ื ื‘-0.4% ื‘ืœื‘ื“ ืžื”ื ื›ืกื™ื ื”ืžื•ืฉืงืขื™ื ืฉืœืš, ื—ืœืง ืงื˜ืŸ ืžื”ืขืœื•ืช ื‘ื”ืฉื•ื•ืื” ืœื™ื•ืขืฆื™ื ืžืกื•ืจืชื™ื™ื
- ืžื“ื•ื‘ืจ ื‘ืื ืฉื™ ืžืงืฆื•ืข CERTIFIED FINANCIAL PLANNERโ„ข, ื‘ืฉื›ืจ ืฉืžืขื•ืœื ืœื ื”ื•ื–ืžืŸ, ืชืžื•ืจืช ื“ืžื™ ื ื™ื”ื•ืœ ื ืžื•ื›ื™ื ืžืฉืžืขื•ืชื™ืช

ื”ืคื•ืš ื™ืขื“ื™ ื—ื™ื™ื ืœื™ืขื“ื™ ื›ืกืฃ
- ื—ืกื•ืš ืœืื•ืคื ื™ ื›ื•ืฉืจ, ืœื—ื•ืคืฉื” ื”ื‘ืื” ืฉืœืš ื•ืขื•ื“
- ืžืขื‘ืจ ืœ-401(k) ืฉืœืš ืขื IRA
- ื”ืฉืชืžืฉ ื‘ื›ืœื™ ื”ื”ืงืจื ื” ืฉืœื ื• ื›ื“ื™ ืœื™ืฆื•ืจ ืชื•ื›ื ื™ืช
- ื—ืฉื‘ ื›ื™ืฆื“ ืœื”ื’ื™ืข ืœื™ืขื“ ืฉืœืš ืขื ื—ื–ืื™ ื”ื™ืขื“ื™ื ืฉืœื ื•

ืจืื” ืืช ื”ืชืžื•ื ื” ื”ื’ื“ื•ืœื” ื™ื•ืชืจ
- ืงื‘ืœ ืืช ืœื•ื— ื”ืžื—ื•ื•ื ื™ื ื”ืคื™ื ื ืกื™ ื”ื›ืœ-ื‘ืื—ื“ ืฉืœื ื•
- ื—ื‘ืจ ื—ืฉื‘ื•ื ื•ืช ื—ื™ืฆื•ื ื™ื™ื, ืจืื” ืืช ื”ืฉื•ื•ื™ ื”ื ืงื™ ืฉืœืš ื•ืฆืคื” ื‘ื‘ื™ืฆื•ืขื™ ื”ื”ืฉืงืขื” ืฉืœืš, ื”ื›ืœ ื‘ืžืงื•ื ืื—ื“

ืงื‘ืœ ื™ื•ืชืจ ืขื ืฉื™ืคื•ืจ
- ื”ืฉืงืขื•ืช ืงืจื™ืคื˜ื• ืขื ืชื™ืงื™ื ืžื’ื•ื•ื ื™ื ืฉื ื‘ื ื• ืขืœ ื™ื“ื™ ืžื•ืžื—ื™ื ื•ืžืฉืื‘ื™ื ืžืขืžื™ืงื™ื
- ื ื”ืœ ื›ืกืฃ ืขื‘ื•ืจ ื”ื•ืฆืื” ื™ื•ืžื™ื•ืžื™ืช ื‘ืืžืฆืขื•ืช Checking
- ืชื›ื ื•ืŸ ืคืจื™ืฉื” ืขื ืชื•ื›ื ื™ืช 401(k) ืขื‘ื•ืจ ื”ืขืกืง ืฉืœืš


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ืฉืึถื‘ึทื—
8 W 24th St., ื ื™ื• ื™ื•ืจืง, ื ื™ื• ื™ื•ืจืง 10010


**ื”ืจื™ื‘ื™ืช ื”ืœืื•ืžื™ืช ื”ืžืžื•ืฆืขืช ืฉืœ ื—ืฉื‘ื•ืŸ ื—ื™ืกื›ื•ืŸ ืžื“ื•ื•ื—ืช ืขืœ ื™ื“ื™ ื”-FDIC (ื ื›ื•ืŸ ืœ-3/18/24) ื›ืชืฉื•ืื” ืฉื ืชื™ืช ืžืžื•ืฆืขืช ื‘ืื—ื•ื–ื™ื (APY) ืขื‘ื•ืจ ื—ืฉื‘ื•ื ื•ืช ื—ื™ืกื›ื•ืŸ ืขื ื”ืคืงื“ื•ืช ืžืชื—ืช ืœ-$100,000.

ื—ืฉื‘ื•ื ื•ืช ืขื•"ืฉ ื•ื›ืจื˜ื™ืก ื”ื—ื™ื•ื‘ ืฉืœ Betterment Visa ืฉืกื•ืคืงื• ื•ื”ื•ื ืคืง ืขืœ ื™ื“ื™ nbkc bank, Member FDIC. ื‘ื“ื™ืงื” ื–ืžื™ื ื” ื“ืจืš Betterment Financial LLC. ืœื Betterment Financial LLC, ื•ืœื ืืฃ ืื—ืช ืžื”ื—ื‘ืจื•ืช ื”ืžืกื•ื ืคื•ืช ืฉืœื”ื, ืื™ื ื• ื‘ื ืง.


ื‘ืขื•ื“ ืฉืื’"ื— ืคื—ื•ืช ืชื ื•ื“ืชื™ื•ืช ืžืžื ื™ื•ืช, ื”ืฉืงืขื” ื‘ืื’"ื— ืื™ื ื” ื ื˜ื•ืœืช ืกื™ื›ื•ืŸ.


ื ื›ืกื™ื ื“ื™ื’ื™ื˜ืœื™ื™ื ื”ื ืกืคืงื•ืœื˜ื™ื‘ื™ื™ื ื•ืชื ื•ื“ืชื™ื™ื ื‘ื™ื•ืชืจ, ื•ืžืชืื™ืžื™ื ืจืง ืœืžืฉืงื™ืขื™ื ื”ืžืกื•ื’ืœื™ื ืœืฉืืช ื‘ืกื™ื›ื•ืŸ ืฉืœ ื”ืคืกื“ ื•ืžืฉื™ื›ื•ืช ื—ื“ื•ืช. ื ื›ืกื™ื ื“ื™ื’ื™ื˜ืœื™ื™ื ืื™ื ื ื”ื™ืœืš ื—ื•ืงื™ ื•ืื™ื ื ื›ืคื•ืคื™ื ืœื”ื’ื ืช FDIC ืื• SIPC.
ืขื“ื›ื•ืŸ ืื—ืจื•ืŸ ื‘ืชืืจื™ืš
18 ื‘ื™ื•ื ื™ 2024

ืื‘ื˜ื—ืช ื ืชื•ื ื™ื

ื›ื“ื™ ืœืฉืžื•ืจ ืขืœ ื”ื‘ื˜ื™ื—ื•ืช ืฆืจื™ืš ืงื•ื“ื ื›ืœ ืœื”ื‘ื™ืŸ ืื™ืš ื”ืžืคืชื—ื™ื ืื•ืกืคื™ื ื•ืžืฉืชืคื™ื ืืช ื”ื ืชื•ื ื™ื ืฉืœืš. ื ื•ื”ืœื™ ืคืจื˜ื™ื•ืช ื”ื ืชื•ื ื™ื ื•ืื‘ื˜ื—ืช ื”ื ืชื•ื ื™ื ืขืฉื•ื™ื™ื ืœื”ืฉืชื ื•ืช ื‘ื”ืชืื ืœืฉื™ืžื•ืฉ, ืœืื–ื•ืจ ื•ืœื’ื™ืœ ื”ืžืฉืชืžืฉ. ื”ืžืคืชื— ืกื™ืคืง ืืช ื”ืžื™ื“ืข ื”ื–ื” ื•ื”ื•ื ืขืฉื•ื™ ืœืขื“ื›ืŸ ืื•ืชื• ืžื“ื™ ืคืขื.
ืœื ืžืชื‘ืฆืข ืฉื™ืชื•ืฃ ื ืชื•ื ื™ื ืขื ืฆื“ื“ื™ื ืฉืœื™ืฉื™ื™ื
ื”ืืคืœื™ืงืฆื™ื” ื”ื–ืืช ืขืฉื•ื™ื” ืœืืกื•ืฃ ืืช ืกื•ื’ื™ ื”ื ืชื•ื ื™ื ื”ืืœื”
ืžื™ืงื•ื, ืคืจื˜ื™ื ืื™ืฉื™ื™ื ื•-6 ื ื•ืกืคื™ื
ื”ื ืชื•ื ื™ื ืœื ืžื•ืฆืคื ื™ื
ื‘ืืคืฉืจื•ืชืš ืœื‘ืงืฉ ืฉื ืชื•ื ื™ื ื™ื™ืžื—ืงื•

ื“ื™ืจื•ื’ื™ื ื•ื‘ื™ืงื•ืจื•ืช

4.7
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ืžื” ื—ื“ืฉ

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