Stocks & Bonds


curated portfolios

Our portfolios are the easy way to invest like a pro. Choose from our selection to help you build wealth over the long term

For every goal you set with us, we’ll let you choose the kind of portfolio you want and recommend a specific stock-to-bond ratio.

Invested with benefits

Tax savings

Automated and optimized tax strategies designed to help minimize tax impact on returns

Lower costs

Keep more money in your portfolio with low-cost exchange-traded funds (ETFs) and our transparent pricing

Adjusts automatically

Your investments are rebalanced as the market moves once at the minimum account balance, with dividends getting reinvested

Customize your portfolio

If you’re an experienced investor looking for more control, a Flexible portfolio lets you adjust individual asset class weights based on your preferences.


Well-diversified, low-cost, and built for long-term investing. Features an especially broad collection of stocks and bonds from across the world.

STOCKS & BONDSClimate Impact

Invests in companies with lower carbon emissions and the funding of green projects while still helping you achieve potential long-term growth.

STOCKS & BONDSInnovative Technology

A well-diversified portfolio focused on high-growth potential companies such as clean energy, semiconductors, robots, virtual reality, blockchain, and nanotechnology along with increased exposure to risk.

STOCKS & BONDSSocial Impact

Provides broad diversified exposure with a greater focus on companies actively working toward minority empowerment and gender diversity as part of your long-term strategy.

STOCKS & BONDSBroad Impact

Invests in companies that rank highly on environmental, social, and corporate governance (ESG) criteria without compromising potential long-term performance.
Targets companies that have potential to outperform the broader market over the long term. Diverse and relatively low-cost, but with higher exposure to risk.

Retirement FundExplore the amazing features of our Portfolio Plan

This asset class is targeted towards investors with long-term objectives and early returns
Spend less time micromanaging your investments
Expandable investment capital upwards
Zero account management fee
Deal Structuring



Min. Initial Investment Capital

14 Days

Min. Investment Duration


Average Daily Percentage ROI


Assets In Holding for This Class

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Still have questions?

What is a portfolio?

Unlike a traditional retirement plan or options provided by an online brokerage, Moonwhale doesn’t make you choose your own funds. Instead, we recommend a basket of funds that’s diversified to seek performance without unnecessary risks—that’s a portfolio. For every goal you set a Moonwhale, we’ll let you choose the kind of portfolio you want and recommend a specific stock-to-bond ratio. For Moonwhale Ventures’s Core portfolio strategy and socially responsible investing options, we provide 101 possible stock-to-bond allocations, giving you a portfolio tailored to your goal.

Why does Moonwhale invest in ETFs?

An exchange-traded fund (ETF) is a security that tracks an index, a commodity or a basket of assets just like an index fund, but trades like a stock on an exchange. Betterment uses ETFs in both our stock and bond portfolios because of the low management fees and tax-efficiency they offer.

What should I expect in terms of returns for my investments?

Each of your goals’ portfolios will see different performance, depending on the stock-to-bond allocation you choose, any changes you make over time, your choice of portfolio strategy, and market volatility. We recommend your investment portfolio’s allocation based on the time horizon of your goal and what kind of goal you have. If your goal is short-term, we’ll recommend a more conservative portfolio with lower expected returns with less volatility, and if your goal is longer term, we’ll likely recommend a more aggressive portfolio with higher expected long-term returns with higher volatility.

Can my Investments decrease in value?

Yes—far from unusual, downturns are a normal part of even the highest returning investments. Investors often worry and react with panic in response to market drops, even if they are invested properly for their long-term goals, but interim losses are to be expected even during the best investment periods.

Can I see the list of funds in each portfolio strategy?

Log in or sign up to set your goals, choose a portfolio strategy, and see the holdings at any stock-to-bond allocation you choose.

Be invested

Investing with Moonwhale Ventures is a straightforward process that allows you to unlock the potential of our investment solutions. Follow these steps to begin your investment journey