Self-directed
investing
Select and manage your investments along with tax insights you won’t get anywhere else.
Build your wealth in the background
Investing and saving shouldn’t take over your life. Let our automation and tax-saving tech do the work for you.
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You’re in control
Self-directed
Let us handle it
Automated investing
Most popularGet a globally diversified portfolio and we’ll handle all trading, rebalancing, and tax management for you.
You build it, we manage it
Custom
portfolios
Coming soonPick your own stocks and ETFs. We automate portfolio rebalancing, dividend reinvesting, and taxes for you.
Invest the way you want.
Choose from thousands of stocks and ETFs with Betterment by your side.
- See tax impact before you sell
- Trade fractional shares
- Pay no commission or management fees
Betterment waives its wrap fee on assets in self-directed investing accounts.
INVEST Investing should always be this easy.
We manage your money for you—putting our technology behind every dollar you invest—so you can focus on living your life.
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Invest the way you want
Choose from our curated portfolios or build your own—all using low-cost exchange-traded funds.
Save more in taxes
We use tax-loss harvesting to help turn market dips into tax savings. In fact, nearly 70% of customers using tax-loss harvesting covered their taxable advisory fees through estimated tax savings.
Coming soon: Custom portfolios
Pick your own stocks and ETFs. We handle portfolio rebalancing, dividend reinvesting, and taxes automatically.
Save Boost your savings with a high-yield cash account.
Don’t let traditional savings accounts keep your money from growing. Whether saving for an emergency fund or a big goal, our high-yield cash account is 10x the national average.
Annual percentage yield (variable) is 3.25% as of 12/12/2025, plus a 0.75% boost (“APY Boost”) on balances up to $1M for new clients with a qualifying deposit. $10 min deposit for base APY. Terms apply; if the base APY changes, the Boosted APY will change.
No hidden fee(s)
Forget any monthly or maintenance costs—what you earn is what you keep.
$4 million FDIC insurance
Eligible cash is FDIC insured up to $8 million (joint) or $4 million (individual) at our program banks. subject to certain conditions. That's 16x what most firms offer.
Move money with ease
Easily transfer cash to your investing account, set up recurring savings, and withdraw funds anytime you need.
RETIRE
Grow your retirement savings with a tax-advantaged traditional, Roth, or SEP IRA. Get tax benefits along with our automated technology and full suite of planning tools.
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Tax benefits
We coordinate your retirement accounts for maximum tax efficiency, helping you save on taxes and grow your returns. -
Retirement planning
We build you a personalized plan, recommend how much to save, and adjust as needed.
Learn more
See why 1M+ customers trust us to manage $70B+ of their money.
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Build wealth with confidence and ease.
