How do transactions work with Smart Saver? Like other non-retirement accounts at Betterment, you can seamlessly move all or part of your Smart Saver balance into a taxable Betterment goal or initiate a transfer back to your linked bank account at any time. Related articles How does Smart Saver differ from a Safety Net goal? What is Smart Saver? What does a full-stack 401(k) solution mean for me?