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Is your old 401(k) costing you?

Don’t let high 401(k) fees drain your savings. Rolling over an average 401(k) to a Betterment IRA could mean 60% lower fees.1 Watch our video to learn more, or get started below.

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Make the most of your retirement savings.

Betterment is a modern solution to an age-old problem: how to save for a better retirement.

Are you on track for the retirement you deserve?

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  • Low, transparent fees.

    A fraction of the cost of typical 401(k) providers. Learn more

  • Licensed experts

    Get advice aligned with your best interests. Learn more

  • Diversified portfolio

    Personalized to take on an optimal level of risk. Learn more

  • Tax-smart services

    Designed to increase portfolio value. Learn more


We do everything we can to help make rolling over easy.

We’re here for you. For many providers, IRA transfers at Betterment are automated and can be initiated in as little as 60 seconds. For other providers, we'll work with you to help complete the transfer.

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Advice you can trust.

As your online financial advisor, we always have your best interests in mind. We don't get commissions for recommending funds, and we don't have funds of our own. That means we do what we believe is right for you. If you ever feel we’ve missed the mark, let us know. We’ll work to make it right.

See how we can help

Save your savings from high fees. Roll over today.

Start a rollover

1 This comparison is based on the average plan-weighted annual fee for all 401(k)s of 0.97% (management and fund expenses) according to this independent study of employer-sponsored plans and a lower cost IRA charging an annual fee of 0.37% (management and fund expenses). Betterment's annual advisory fee is 0.25% for its Digital Plan, and fees for the underlying investments total between 0.07% and 0.17%. See pricing details.

2 When deciding whether to roll over a retirement account, you should carefully consider your personal situation and preferences. The information on this page is being provided for general informational purposes and is not intended to be an individualized recommendation that you take any particular action. Factors that you should consider in evaluating a potential rollover include: available investment options, fees and expenses, services, withdrawal penalties, protections from creditors and legal judgments, required minimum distributions, and treatment of employer stock. Before deciding to roll over, you should research the details of your current retirement account and consult tax and other advisors with any questions about your personal situation.