Deposits into investing goals generally complete in 1-3 business days.  Markets are generally open Monday through Friday, 9:30 a.m. to 4:00 p.m., but are closed for certain market holidays. Transactions can also be delayed by bank holidays. Betterment does not guarantee specific execution timelines. We avoid trading on or around market open or close, as markets have historically been more volatile during this time. Pending wait times are imposed by banking and market rules and cannot be sped up ...