Betterment Portfolio

Take the guesswork out of investing with our expertly designed portfolios crafted to help you grow your wealth over the long term. Whether you’re saving for retirement, planning a major purchase like a home, or building your financial future, we make it simple to get started.

Invest Like a Pro–The Easy Way to Build Wealth

With our accessible investment options, you can open a personalized account–including IRAs and Roth IRAs–with as little as $250. Prefer to start small? Begin with just $50 when you set up a systematic monthly investment program. It’s never been easier to take control of your financial future.

The sooner you start, the more time your money has to grow and work for you. And you don’t have to do it alone–our team of expert advisors is here to guide you every step of the way. Let us help you build a solid financial foundation and achieve the peace of mind that comes with knowing you’re on the road to financial freedom.

Start investing today and take the first step toward financial prosperity!

Climate Impact

The Climate Impact portfolio invests in companies with a demonstrated focus on the funding of green projects and lower carbon emissions.

Socially responsible Stocks and bonds

Core

The Core portfolio is low-cost and designed to generate long-term returns while reducing risk through diversification. Features a broad collection of exchange-traded funds (ETFs) made of thousands of stocks and bonds from around the world.

Stocks and bonds

Cash Reserve

Cash Reserve is a no-fee, 100% cash account designed to protect your money from market volatility. Given its relatively low returns compared to potential market gains

Goldman Sachs Tax-Smart Bonds

The Goldman Sachs Tax-Smart Bonds portfolio is designed to benefit high-income individuals (with a federal tax rate of 32% or higher) seeking a higher after-tax yield compared to a cash account. It comprises 100% short-term bond ETFs.

BlackRock Target Income

The BlackRock Target Income portfolio is designed to help you limit market volatility, preserve wealth, and generate income.

Broad Impact

The Broad Impact portfolio seeks to provide greater exposure to all of the different dimensions of social responsibility, such as lower carbon emissions, ethical labor management, or greater board diversity.

Socially responsible Stocks and bonds

Social Impact

The Social Impact portfolio provides more exposure to companies supporting social equity and minority empowerment.

Stocks and bonds Socially responsible

Goldman Sachs Smart Beta

The Smart Beta portfolio invests more heavily in companies based on trends with the potential to outperform the broader market over the long term.

Stocks and bonds

Innovative Technology

The Innovative Technology portfolio invests in pioneer companies set to transform the future economy and society.

Stocks and bonds

Value Tilt

The Value Tilt portfolio is globally diversified with a tilt toward undervalued U.S. companies for investors who understand the potential benefits and risks of investing more heavily in value stocks.

Stocks and bonds

Crypto ETF

Tap the market moves of the two largest and widely traded cryptocurrencies, Bitcoin and Ethereum, with this fully automated ETF portfolio.

Climate Impact

The Climate Impact portfolio invests in companies with a demonstrated focus on the funding of green projects and lower carbon emissions.

Socially responsible Stocks and bonds

Core

The Core portfolio is low-cost and designed to generate long-term returns while reducing risk through diversification. Features a broad collection of exchange-traded funds (ETFs) made of thousands of stocks and bonds from around the world.

Stocks and bonds

Broad Impact

The Broad Impact portfolio seeks to provide greater exposure to all of the different dimensions of social responsibility, such as lower carbon emissions, ethical labor management, or greater board diversity.

Socially responsible Stocks and bonds

Social Impact

The Social Impact portfolio provides more exposure to companies supporting social equity and minority empowerment.

Stocks and bonds Socially responsible

Goldman Sachs Smart Beta

The Smart Beta portfolio invests more heavily in companies based on trends with the potential to outperform the broader market over the long term.

Stocks and bonds

Innovative Technology

The Innovative Technology portfolio invests in pioneer companies set to transform the future economy and society.

Stocks and bonds

Value Tilt

The Value Tilt portfolio is globally diversified with a tilt toward undervalued U.S. companies for investors who understand the potential benefits and risks of investing more heavily in value stocks.

Stocks and bonds

Goldman Sachs Tax-Smart Bonds

The Goldman Sachs Tax-Smart Bonds portfolio is designed to benefit high-income individuals (with a federal tax rate of 32% or higher) seeking a higher after-tax yield compared to a cash account. It comprises 100% short-term bond ETFs.

BlackRock Target Income

The BlackRock Target Income portfolio is designed to help you limit market volatility, preserve wealth, and generate income.

Cash Reserve

Cash Reserve is a no-fee, 100% cash account designed to protect your money from market volatility. Given its relatively low returns compared to potential market gains

Crypto ETF

Tap the market moves of the two largest and widely traded cryptocurrencies, Bitcoin and Ethereum, with this fully automated ETF portfolio.

Our firm's Motto:

The best of people are those who benefit others the most

Disclosure:

Let’s Talk About Risk:

Investment Advisory Services offered through National Christian Financial Advisors, Inc. (NCFA). Investing involves risk and there is the potential of losing money when you invest in securities. Past performance does not guarantee future results. National Christian Financial Advisors, Inc. (NCFA) does not guarantee any specific outcome or profit.

Investments in securities are: Not FDIC Insured • Not Bank Guaranteed • May Lose Value.

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We're Here to Serve and Advise

Get in touch with NCFA for expert financial guidance and personalized support. We’re here to help you achieve your goals with ethical, sustainable solutions.

Our firm's Motto:

The best of people are those who benefit others the most

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National Christian Financial Advisors, Inc. (NCFA) is minority owned and operated Independent Registered Investment Advisory Firm

Disclosure:

Let’s Talk About Risk:

Investment Advisory Services offered through National Christian Financial Advisors, Inc. (NCFA). Investing involves risk and there is the potential of losing money when you invest in securities. Past performance does not guarantee future results. National Christian Financial Advisors, Inc. (NCFA) does not guarantee any specific outcome or profit.

Investments in securities are: Not FDIC Insured • Not Bank Guaranteed • May Lose Value.

The annual percentage yield (“APY”) on the deposit balances in Betterment Cash Reserve (“Cash Reserve”) is 4.00% and represents the weighted average of the APY on deposit balances at the banks participating in Cash Reserve (the “Program Banks”) and is current as of December 27, 2024. This APY is variable and subject to change daily. Deposit balances are not allocated equally among the participating Program Banks. A minimum deposit of $10 is required, but there is no minimum balance required to be maintained. The APY available to a customer may be lower if that customer designates a bank or banks as ineligible to receive deposits. APY applies only to Cash Reserve and does not apply to checking accounts held through Betterment Checking. Cash Reserve and Betterment Checking are separate offerings and are not linked accounts.

Copyright © 2025 by NCFA