Is your old 401(k) costing you?
When you change jobs, your 401(k) employer match disappears, but the fees stick around. Rolling over to a low-cost IRA from the average 401(k) can mean a 0.52% reduction in annual fees.1
How is a Betterment IRA better than a typical 401(k)?
Low fees at a fraction of the cost of typical 401(k) providers
Personalized advice aligned with your best interests
Regular rebalancing to help you meet your retirement goals
We do everything we can to help make rolling over easy.
For more than 55 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.
Member of Securities Investor Protection Corporation
Betterment Securities is a member of SIPC. Securities in your account protected up to $500,000. For details, please see www.sipc.org.
Looking out for investors' accounts is a legal duty.
Regulated by the SEC and a member of FINRA, our Broker-Dealer, Betterment Securities, follows a strict set of rules, designed to protect our investors' accounts.
1 This comparison is based on the average plan-weighted annual fee for all 401(k)s of 0.89% (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 0.09% and 0.12%. See pricing details.
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.