You risk losing money with any investment, so your Betterment accounts could drop in value. Remember, all investing involves risk. However, all of Betterment’s investment accounts are designed for long-term savings, so you should be prepared to weather potential down-turns.
You can keep short-term savings, emergency funds and spending money in your Betterment Checking and Cash Reserve accounts or external bank accounts, where they aren’t subject to fluctuations in the stock market.