Tips for saving for a large purchase. If you're planning to buy a big-ticket item, it's a good money habit to have a plan to pay for it. Watch the video. Before investing consider carefully the investment objectives, risks, and charges and expenses of the fund, including management fees, other expenses and special risks. Major Purchase – for making a future expenditure; General Investing – for investing when you’re not sure of the specific future expenditure; When you sign up with Betterment, you can set up one or more of these goals for your investments. For any existing goal, y ou can change your goal type in the Plan tab of your Betterment account. You will see an option on the right that reads “Advice type: Edit” that leads you to the option to update your goal type.