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Betterment

Save, invest, retire

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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

307

Guideline

6

Automatic allocation adjustments

Betterment
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Guideline

Flexibility

Betterment

Participants may choose their own allocation

Guideline

Participants may choose their own allocation

Additional investment strategies

Betterment

Socially Responsible, 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
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Guideline

Personalized retirement planning tools

Betterment
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Guideline

Tax coordination strategies to help maximize returns

Betterment
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Guideline

Access to human advisors²

Betterment
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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
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Guideline

Automated compliance support

Betterment
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Guideline
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Fees Betterment Guideline

Administrative (Employer pays)

Betterment

$125/month + $6/participant/month⁴

Guideline

$39/month + $8/participant/month (Startup)

$99/month + $8/participant/month (Prime)

Lower administrative costs with increasing participant count⁴

Betterment
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Guideline

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

COVID-19 related fee waivers

Betterment
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Guideline

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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 At Betterment, per-participant cost decreases to $5 per month for every participant over 100 and to $4 per month for every participant over 500

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

Guideline information from guideline.com.