<prompt> Human: Hi PF, Im curious what yall think about Betterments new Smart Saver accounts. Basically, its a savings account with 100 of money going into bonds. From there, its an 8020 investment 80 US Short-Term treasury bonds SHV and 20 US Short-Term investment bonds NEAR. They offer an expected return of 1.78.  <response>: Alleys online savings account currently has a yield of 1.8 and is FDIC insured. I dont really see the reward for accepting more risk on the Betterment account. 