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Betterment

Save, invest, retire

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Introducing Custom Model Portfolios. Learn more

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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

509 (across 6 strategies, plus Flexible Portfolio Strategy)

Guideline

6 (1 strategy, plus customized participant strategies)

Automatic allocation adjustments

Betterment
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Guideline

Flexibility

Betterment

Participants may choose their own allocation

Guideline

Participants may choose their own allocation

Socially responsible investments

Betterment

3 managed portfolio strategies: Broad Impact, Social Impact, Climate Impact

Guideline

2 large cap equity funds

Additional investment strategies

Betterment

Socially Responsible (3), Goldman Sachs Smart Beta, BlackRock Income

Guideline

None

Number of individuals involved in investment advisory services¹

Betterment

17

Guideline

3

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

Mobile app

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

Standard

3(16) Administrative Fiduciary

Betterment

Standard

Guideline

Standard

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

Ongoing Administrative (Employer pays)

Betterment

$42/mo + $4/participant/month (Standard)⁴

$125/mo + $4/participant/month (Premium)⁴

Guideline

$49/month + $8/participant/month (Core) $79/month + $8/participant/month (Flex) $129/month + $8/participant/month (Max)

Estimated fund fees (Employees pay)

Betterment

0.06%³

Guideline

0.07%⁴

Investment management (Employees pay)

Betterment

0.25% on assets annually ($2.50 for every $1,000)

Guideline

0.08% on assets annually ($0.80 for every $1,000)

Terminated participant fee

Betterment

None

Guideline

$4/month (after 90 days)

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