Betterment vs. Guideline

Compare 401(k) providers by investments, fees, employee experience, service and support.

Investments	Betterment	Guideline
Funds	Betterment Indexed Exchange Traded Funds (ETFs)	Guideline Indexed Mutual Funds
Portfolios	Betterment 509	Guideline 6
Automatic allocation adjustments	Betterment	Guideline
Flexibility	Betterment Participants may choose their own allocation	Guideline Participants may choose their own allocation
Additional investment strategies	Betterment Socially Responsible (3), Goldman Sachs Smart Beta, BlackRock Income	Guideline None
Number of individuals involved in investment advisory services¹	Betterment 16	Guideline 2

Employee Experience	Betterment	Guideline
Platform scope	Betterment Holistic advice across all saving and investing goals	Guideline 401(k) only
External account syncing	Betterment	Guideline
Personalized retirement planning tools	Betterment	Guideline
Tax coordination strategies to help maximize returns	Betterment	Guideline
Access to human advisors²	Betterment	Guideline

Service and support	Betterment	Guideline
3(38) Investment Fiduciary	Betterment Standard	Guideline Additional cost³
3(16) Administrative Fiduciary	Betterment Standard	Guideline Additional cost³
Online signup process	Betterment	Guideline
Automated compliance support	Betterment	Guideline

Fees	Betterment	Guideline
Ongoing Administrative (Employer pays)	Betterment $42/mo + $4/participant/month (Standard)⁴ $125/mo + $4/participant/month (Premium)⁴	Guideline $39/month + $8/participant/month (Startup) $99/month + $8/participant/month (Prime)
Estimated fund fees (Employees pay)	Betterment 0.06%⁵	Guideline 0.06%
Investment management (Employees pay)	Betterment 0.25% on assets annually ($2.50 for every $1,000)	Guideline None

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¹ From Betterment and Guideline forms ADV

² Additional fee may apply

³ Feature available only as part of Prime package

⁴ Additional fees may apply

⁵ Based on weighted average fund fees of most commonly used portfolio with 90% equity and 10% fixed income

Guideline information from guideline.com.