Our Flexible Portfolio Strategy allows individuals to set a desired weight for each asset class. Betterment will rate the diversification and relative risk of the portfolio before finalizing changes.

This strategy reflects the same underlying principles of the core Betterment Portfolio Strategy — investing in a globally diversified portfolio of stocks and bonds — but in and across equity asset classes using weightings that are not based on market capitalization.

This Betterment strategy is designed for socially-conscious employees who want their investments to reflect their personal values. This approach reduces exposure to companies deemed to have negative social impact while increasing exposure to those deemed to foster positive social impact.

Designed for retirees or those saving for non-retirement goals, this strategy seeks to provide a steady stream of cash income while minimizing potential loss of capital or stock market volatility.