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Betterment invests your money at a fraction of the cost of traditional financial services.
We recommend the optimal level of risk based on your time horizon, and then automatically invest your money in our globally diversified portfolio of ETFs
Clean, intuitive interface.
We built our platform from the ground up to give customers an intuitive interface, designed to lead to better behavior and better expected returns.
The Tax-Smart Way to Invest
Betterment's Tax-Coordinated PortfolioTM works across all of your long-term investments, including taxable accounts, traditional IRAs, and Roth IRAs.
Research shows that this strategy can boost after-tax returns by 0.48% each year on average, which amounts to an extra 15% over 30 years. 1
Rollover Concierge, At Your Service
"We're here to serve you 7 days a week. Betterment provides a dedicated rollover concierge to each customer rolling over retirement assets. Betterment support is available to speak with your current 401(k) or IRA provider to make sure the transition of assets is completed smoothly."
Archana Burra | Rollover Concierge
Disclaimer: When deciding whether to rollover a 401(k) account or other retirement account, you should carefully consider your personal situation and preferences. Relevant factors may include that:
(i) 401(k) accounts may offer greater protection from creditors than IRAs.
(ii) In some cases, the ability to take penalty-free distributions at an earlier age or to defer minimum required distributions.
(iii) Some 401(k) accounts may also allow for loans or distributions in a broader set of circumstances than IRAs.
(iv) Some 401(k) plans may also offer specific educational and advisory services to participants that are unavailable to some IRAs.
(v) Some 401(k) plans may have lower fees and expenses than some IRAs.
(vi) Some IRAs may offer a broader range of investment options than some 401(k) plans.
(vii) Special tax rules may apply to the rollover of employer securities.
You should research the details of your 401(k) and speak to a tax and other advisors about whether the features of your 401(k) are relevant to your personal situation.
The rollover process is currently automated for rollovers from select providers. If you have a provider that is not part of our automated process, you will receive an email with a checklist for completing your rollover to Betterment. In processing your rollover request, Betterment will be acting at your direction.
The offer is valid only for rollovers into Betterment IRA accounts. To qualify for 1 month free of Betterment service, you must roll over at least $10,000, up to $99,999, into a Betterment IRA account. To qualify for 2 months free of Betterment service, you must roll over at least $100,000, up to $499,999, into a Betterment IRA account. To qualify for 1 year of free Betterment service, you must roll over at least $500,000 into a Betterment IRA account. Your participation is subject to the following terms and agreements: To qualify, the rollover must be initiated after July 11, within 30 days of your initial sign up date, and completed within 75 days of your initial sign up date. This promotion is not valid with any other offers and is non-transferable. Offer available to U.S. residents only.
Free time does not apply to 401(k) accounts offered through Betterment for Business, which are subject to a separate fee schedule.
Betterment reserves the right to terminate this offer at any time, to determine when to apply the free Betterment service, to limit account bonuses you are eligible to receive, and to refuse or recover any promotion award if Betterment determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, or that any terms of the Betterment Account Agreements have been violated.
This is not intended to be relied upon as investment advice, and is being provided solely for marketing and educational purposes. Betterment does not make recommendations as to whether you should roll over an existing account.
Determine whether a traditional or Roth IRA is right for you with our IRA calculator.
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Security and Confidence
We are an SEC-registered investment advisor and our broker-dealer is a member of SIPC and FINRA.
1 The estimated additional annualized return of 0.48% assumes that the initial balance is equally distributed across three types of accounts: a taxable account, a tax-deferred account (such as a traditional IRA) and a tax-exempt account (such as a Roth IRA). They also assume a 70% allocation to stocks across the entire 30-year period, and a California resident in a 28% federal tax bracket both during the entire period, and at liquidation. The incremental return was calculated using the Monte Carlo projection method across more than 1,000 simulated market scenarios. It compared the total after-tax value of all three accounts when managed by TCP to the benchmark, which was the after-tax value of all the accounts under the same market scenarios, but uncoordinated (i.e. managed by Betterment separately, as standalone Betterment portfolios). As such, these projections make no claim about the value of Betterment's service as compared to any particular non-Betterment investing strategy. Instead, they estimate specifically the value of the TCP service, as applied to Betterment's baseline passive investing strategy. There are additional assumptions around these estimates, which are necessarily numerous and complex, due to the nature of this projection method. TCP may not be suitable for taxpayers subject to a Federal tax bracket of 15% or lower. You should not use TCP to coordinate accounts with materially different time horizons. TCP is not optimal for accounts which you rely on for liquidity in case of unforeseen circumstances. For much more on this research, including additional considerations on the suitability of TCP to your circumstances, please see our white paper and our full disclosures.