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    Build wealth

    Invest in a diversified portfolio of stock and bond ETFs designed for optimal expected returns.

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    Save time

    Everything is automated – from rebalancing to dividend reinvestment, even deposits.

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    Save money

    One simple all-inclusive management fee as low as 0.15%, and never exceeding 0.35%.

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    Invest better

    Our approach provides a highly efficient way to achieve optimized investment returns.

Retirement income that provides cash flow and confidence.

We use technology, investment expertise, and a more secure withdrawal methodology to provide sustainable cash flow while you enjoy retirement.

Dan Egan

Behavioral Economist, Betterment

Geert Bekaert, Ph.D.

Professor of Finance,
Columbia University

Jon Stein, CFA

CEO, Betterment

Alex Benke, CFP

Product Manager, Betterment

Investing expertise meets revolutionary engineering.

Get results you won't achieve on your own. Our financial and engineering experts have teamed up to create advanced algorithms that optimize our diversified, global portfolio to fit your needs.

Source: Betterment's calculations using a $100,000 portfolio; Mutual fund assumes average expense ratio of 1.4% (ICIFactBook, 2012), Typical Advised ETF assumes a 10 fund portfolio with 4 rebalances per year, trading costs of $8.50/trade (average of Etrade, Scottrade, Schwab, Fidelity), 0.44% average ETF expenses (Morningstar Investment Research) and 1% annual average advisory fee (PriceMetrix). Betterment costs include annual advisory fee of 0.15% plus current average portfolio expenses of 0.19%.
Ongoing Annual Cost Comparison

Maximize your savings, not your costs.

Get more from every dollar you invest with our tax-efficient automated rebalancing, and one management fee as low as 0.15%.

Every transaction and trade is free. We have no hidden costs. Our one low price is all you will ever pay.