What does it cost to roll over to Betterment?

Nothing. Rolling your 401(k) or IRA into a Betterment IRA is completely free. Once your money is here, Betterment's management fee is $5 a month or 0.25% to help you grow your retirement.

How long does a rollover take?

Generally 7-10 business days after funds leave your old provider. We'll notify you as soon as everything arrives in your Betterment account.

What accounts can I roll over?

You can roll over a 401(k), IRA, 403(b), pension plan, 401(a), 457(b) to Betterment.

What if I don't know where my old 401(k) is?

No problem. Capitalize can locate your old account, even if you've lost track of your former employer or provider. Just start the process and we'll help you track it down.

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Rollovers just got a whole lot easier

From finding your old 401(k) to moving your assets, we handle the hard stuff so your retirement savings can work harder for you.

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Meet your stress-free rollover.

We’ve partnered with Capitalize to make moving your 401(k) into a Betterment IRA simple, secure, and free. They streamline the process and support you through each step.

Can’t find your 401(k)? No problem

Quickly search and connect to your previous provider, even if you’re not sure where your account is now.

Your data stays secure

Bank-level encryption keeps your information safe from start to finish.

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Cutting-edge technology with dedicated support

Capitalize's technology makes for simpler and faster rollovers, with real experts on standby to ensure your assets are moved smoothly at no cost.

Lower fees. More money at retirement

2 in 3 Americans don't know what fees they're paying on their 401(k).* Even a modest fee can cost you thousands of dollars over time. Rolling into a Betterment IRA built on low-cost ETFs means more of your money stays where it belongs.
Get more from missing money

There's approximately $2.1 trillion in lost 401(k)s** quietly underperforming. If yours might be one of them, we'll find it for you in minutes.
Investing managed for you

Betterment's automated investing technology handles everything: trading, rebalancing, and dividend reinvestment. Your portfolio is always working, even when you're not thinking about it.

Lower fees. More money at retirement

2 in 3 Americans don't know what fees they're paying on their 401(k).* Even a modest fee can cost you thousands of dollars over time. Rolling into a Betterment IRA built on low-cost ETFs means more of your money stays where it belongs.

Get more from missing money

There’s approximately $2.1 trillion in lost 401(k)s** quietly underperforming. If yours might be one of them, we’ll find it for you in minutes.

Investing managed for you

Betterment's automated investing technology handles everything: trading, rebalancing, and dividend reinvestment. Your portfolio is always working, even when you're not thinking about it.

Roll over your money with a licensed specialist for free.

If you’re looking to move at least $20K, you can talk with an in-house licensed specialist for free about if transferring your money to a Betterment IRA is right for you.

The Licensed Concierge Team is eligible to receive incentive compensation based on funds transferred to Betterment. Betterment’s revenue varies across offerings, which creates an incentive to recommend the offering resulting in the greatest revenue. Regardless of this conflict, Team members are required to act in the client’s best interest.

Rollovers just got a whole lot easier

Meet your stress-free rollover.

Can’t find your 401(k)? No problem

Your data stays secure

Cutting-edge technology with dedicated support