{"id":443,"date":"2021-02-24T11:30:00","date_gmt":"2021-02-24T11:30:00","guid":{"rendered":"https:\/\/moneywithkatie.com\/the-best-place-for-your-emergency-fund-betterment-safety-net\/"},"modified":"2025-08-29T16:37:48","modified_gmt":"2025-08-29T16:37:48","slug":"the-best-place-for-your-emergency-fund-betterment-safety-net","status":"publish","type":"post","link":"https:\/\/moneywithkatie.com\/the-best-place-for-your-emergency-fund-betterment-safety-net\/","title":{"rendered":"A Better Place to Put Your Cash Cushion in 2025: The Betterment Emergency Fund"},"content":{"rendered":"
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Paid non-client of Betterment. Views may not be representative, see more reviews at the <\/em>App Store <\/em><\/span><\/a>and <\/em>Google Play Store<\/em><\/span><\/a>.<\/em> Learn more<\/em><\/span><\/a> about this relationship. Any links provided to or mentions of other websites are offered as a matter of convenience and are not intended to imply that Betterment or its authors endorse, sponsor, promote, and\/or are affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated otherwise.<\/em><\/p>\n<\/div>\n

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Let me start off by saying: You should only follow my advice if you\u2019re comfortable with it.<\/p>\n

That said, it would greatly behoove you to become<\/em> comfortable with investing, and the only way to become comfortable doing something is to learn the facts, determine your calculated risk tolerance, and actually do it. <\/p>\n

If you\u2019re going to panic, sell your positions, and close your account because your Emergency Fund investing goal dips $10, you\u2019re not going to be able to stick around long enough to enjoy the $30 rally\u2014and it\u2019ll be of no use to you. <\/p>\n

This post is intended to walk you through some of the realistic risks and benefits of choosing an investing account like Betterment\u2019s Emergency Fund to grow (or maintain the value of) your emergency savings. Let\u2019s begin!<\/p>\n

I\u2019ve talked before on this site about my first nerve-racking experience investing: I bought $1,000 worth of VOO (an S&P 500 ETF) on Robinhood and the moment<\/em> I pressed the \u201cBuy\u201d button, I sat at my desk and stared at the balance as it moved. It was fascinating and terrifying, and at that time, it represented about 5% of my total net worth outside of my 401(k). Is this safe? A whole 5% of all my money invested? Maybe I should\u2019ve done less.<\/em><\/p>\n

Fast-forward only two years, and the ratio has flipped. I have 5% of my net worth in cash at any given time. It\u2019s funny how much my mindset has changed: Now, rather than being nervous about the money that\u2019s IN the market, I\u2019m nervous about the money that\u2019s OUT of it.<\/p>\n<\/div>\n

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Betterment Emergency Fund vs. a savings account<\/h2>\n

How can that be possible? One word: Inflation. The buying power of every dollar decreases in value (on average) 3% every year.<\/p>\n

Does that mean you should have no cash in your portfolio? Obviously not\u2014things happen, and there are those obnoxious things called bills that need to be paid. You certainly want enough cash on hand to cover the next 60 days of your life at any given time, and probably more than that\u2014but beyond your realistic \u201ccash on hand\u201d amount, you (typically) don\u2019t want 5+ figures of wealth sitting dormant in a traditional savings account.*<\/p>\n

*If you\u2019ve got a similar situation to me\u2014no children, renter, dual-income, etc. If you\u2019re a single parent paying a mortgage, I\u2019d adopt a far more risk-averse attitude. <\/em><\/p>\n

Most personal finance hobbyists suggest having 3-6 months of expenses in some type of emergency fund in cash. This is never bad advice\u2014but saving six months of expenses can take a long time. <\/p>\n<\/div>\n

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Betterment\u2019s Emergency Fund account for your emergency savings<\/h2>\n

I don\u2019t make the decision to recommend Betterment\u2019s Emergency Fund account lightly, as I had always religiously followed the \u201c6 months of cash\u201d dogma of Personal Finance Dot Com.<\/p>\n

In doing a little research, I discovered there were other options like the Emergency Fund investing goal at Betterment, a taxable investing account that was invested in 85% bonds and 15% stocks (although their default allocation is subject to change, you can also change the allocation yourself if you want to be heavier in stocks or bonds). <\/p>\n

I was intrigued.<\/p>\n

In the investing world, bonds are generally considered the lower risk bet in comparison to stocks. They\u2019re called \u201cfixed income assets\u201d because your interest is more or less guaranteed by the government and corporations who issue them.<\/p>\n

Here\u2019s why I was interested: Betterment marketed this investing goal as a good place to grow your emergency fund. Up until that point, I had never heard of a company (or anyone) using an investment account for an emergency fund (beyond the idea that your Roth IRA principal actually serves as a back-up emergency fund because you can withdraw it anytime penalty-free).<\/p>\n

But to strategically use an investment account to grow a large sum of cash that could help combat inflation? Sounds like a winner to me.<\/p>\n

\u2026except let me do a lot of research first, because I\u2019m greedy<\/em>, not stupid.<\/p>\n<\/div>\n

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How the Betterment Emergency Fund works<\/h2>\n

The Emergency Fund invests 85% of your total balance in corporate and government bonds, and these bonds produce interest. For example, a percentage of the total goal can be invested in U.S. Short-Term Treasury Bonds, which produce a range of annual yields<\/strong> (read<\/em>: interest for you!). (Betterment makes these decisions for you; you don\u2019t have to decide which bonds to pick.)<\/p>\n

The 15% of your Emergency Fund that\u2019s invested in stocks is the aggressive portion that\u2019s intended to drive growth; the 85% in bonds are intended to provide stability. Think about it like dating a mechanical engineer with a Master\u2019s Degree from MIT who also has a chest tattoo\u2013mostly wholesome and predictable, but\u2026 then there\u2019s that chest tattoo, providing a little intrigue.<\/p>\n<\/div>\n

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What\u2019s the catch?<\/h2>\n

There isn\u2019t one, minus the tax implications for your gains (there are tax implications for High-Yield Savings Accounts, too; this is why your bank will send you a 1099-INT form to report your interest). <\/p>\n

Interest is taxed as earned income, which means it basically gets added to your total income for the year and will likely be taxed in your marginal tax bracket. <\/p>\n

If you\u2019re like, Wait, what? I\u2019m getting taxed on that interest?<\/em> It probably means you haven\u2019t earned enough interest income for you to notice during tax time.<\/p>\n

With an investing goal like Betterment Emergency Fund, you\u2019ll likely receive a 1099-DIV to report your bond interest and dividends earned.<\/p>\n

Unfortunately, most bond interest is taxed as earned income every single year, regardless of whether or not you withdraw it, which means you pay your marginal tax rate<\/strong> on interest. Dividends are taxed every year, too, but qualified dividends that meet certain requirements are taxed at the \u201ccapital gains\u201d tax rate<\/a>\u2014which is often going to be lower than your marginal tax rate. <\/p>\n

The larger \u201ccatch,\u201d so to speak, is that investing your emergency savings in this way is riskier than keeping them in cash (particularly the 15% that\u2019s invested in stocks).<\/p>\n<\/div>\n

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Other tax implications to consider<\/h3>\n

The question that I get the most from savvy readers who are considering this type of account? \u201cWhat happens if I have to withdraw the money after a few months to pay for something?\u201d<\/p>\n

Remember those capital gains taxes we talked about? If you hold your earnings for greater than a year and then<\/em> sell them, you\u2019ll pay 15% on those gains. That\u2019s known as a long-term capital gains tax<\/em><\/a>, and unless you\u2019re earning more than $533,400, you\u2019ll probably be in the 15% group. <\/p>\n

But if you sell in less<\/em> than a year, you\u2019ll be charged as if it\u2019s earned income\u2014just like how your interest is taxed.<\/p>\n

So let\u2019s pretend something catastrophic happens and you need all $15,000 of your Emergency Fund\u2019s balance, all at once. It\u2019s difficult to think of a single scenario wherein that would be the case (think about it: Even if you lose your job, you\u2019re likely not going to withdraw the entire account all at once\u2014you\u2019d probably withdraw it little by little as you needed it as you looked for a job), but let\u2019s pretend.<\/p>\n

If you sold the entire balance, including the gains, you\u2019d be charged short-term capital gains taxes on the portion that came from the market gains. <\/p>\n

Short-term capital gains taxes = your marginal tax rate. <\/p>\n

So that would mean your net gain would drop by the amount eaten up by short-term capital gains taxes.<\/p>\n

This means that the worst case scenario is that your net gain is slightly lower due to taxes.<\/p>\n

There are no transaction fees for accessing your money in your Betterment Emergency Fund account<\/strong>. <\/p>\n

What\u2019s next?<\/h3>\n

Again, I urge you to remember: Investing can be simple (especially with Betterment), but it\u2019s not easy <\/em>and comes with risk. It\u2019s not easy to see your portfolio drop and log off without selling anything, sometimes no indication that it will bottom out and begin climbing again soon. <\/p>\n<\/div>\n

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How to set up an Emergency Fund account<\/h2>\n

If you don\u2019t have an account with Betterment at all, you\u2019ll need to sign up<\/a> to get started.<\/p>\n

Step #1<\/strong>: You\u2019ll see a screen that says \u201cHow would you like to get started?\u201d<\/p>\n

While you\u2019re probably tempted to click, \u201cSave cash and earn interest,\u201d that\u2019s like the second-most right answer on the multiple choice quiz. You want to click:<\/p>\n

\u201cInvest for a long-term goal. <\/strong>Build wealth or plan for your next big purchase.\u201d<\/p>\n

Then, you\u2019ll be asked to set up your account with your personal information, which is standard and\u2014I trust\u2014you don\u2019t need screen grabs to walk through that part. Once you\u2019re done, you\u2019ll land in the Home section of your new account. Woohoo!<\/p>\n

Step #2<\/strong>: Add the actual Emergency Fund goal. <\/p>\n

From here, you can go any number of ways, but I would click \u201cAdd new\u201d on the left-hand side column (it\u2019s gray) or \u201cFinish setup\u201d on the Investing account. <\/p>\n

Once you reach the screen where it asks, \u201cWhat are you saving for?\u201d, you\u2019ll click \u201cEmergency Fund<\/strong>. Helps build an emergency fund so you\u2019re prepared for the unexpected.\u201d It has the purple life preserver next to it.<\/p>\n

Then, you\u2019ll click \u201cIndividual Taxable\u201d on the next screen (or Joint, if you\u2019re married and intend to share it).<\/p>\n

You\u2019ll then be asked for a Goal name, a Target amount, and a Target date.<\/p>\n

If you\u2019re just starting to build your emergency fund, enter a real target amount (like $15,000, for example).<\/p>\n

This will help set your account up in an appropriately aggressive manner, along with your target date. I wouldn\u2019t stress too much about the accuracy of the target date; it\u2019s used to tell you whether you\u2019re on track or off track to meet the goal based on projections. <\/p>\n

If your emergency fund is fully funded and you\u2019re just trying to grow or maintain the balance, enter its current amount as the target amount.<\/p>\n

This will tell you you\u2019ve \u201creached your goal,\u201d and the money will continue to grow.<\/p>\n

Step #3<\/strong>: Click \u201cCreate this goal\u201d and begin your trek to world domination.<\/p>\n

Notice how \u201c15% stocks\u201d is the recommended allocation; you can change it if you want based on your risk tolerance and #YearnToEarn.<\/p>\n<\/div>\n

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How long does it take to get your money out of the Betterment Emergency Fund?<\/h3>\n

If you do<\/em> need to withdraw from the account, it\u2019ll generally take around 4-5 business days for the money be sent to your checking account. <\/p>\n

So if you anticipate needing the money in the account the same day something happens (read: you don\u2019t have a credit card or source of cash to pay for the expense before the money lands in your account), this may not be the best thing for you.<\/p>\n

You may want to keep one month of expenses in cash and the rest of your emergency fund (whether it be two months or six!) in an account like this one.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Paid non-client of Betterment. Views may not be representative, see more reviews at the App Store and Google Play Store. Learn more about this relationship. Any links provided to or mentions of other websites are offered as a matter of convenience and are not intended to imply that Betterment or its authors endorse, sponsor, promote, […]<\/p>\n","protected":false},"author":178814,"featured_media":2390,"comment_status":"closed","ping_status":"open","sticky":false,"template":"si-template-single-post-emergency-funds.php","format":"standard","meta":{"footnotes":""},"categories":[35,36],"tags":[49],"class_list":["post-443","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing-and-taxes","category-spending-and-saving","tag-emergency-funds"],"yoast_head":"\nA Better Place to Put Your Cash Cushion in 2025: The Betterment Emergency Fund - Money with Katie<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/moneywithkatie.com\/the-best-place-for-your-emergency-fund-betterment-safety-net\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A Better Place to Put Your Cash Cushion in 2025: The Betterment Emergency Fund - Money with Katie\" \/>\n<meta property=\"og:description\" content=\"Paid non-client of Betterment. 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