Betterment is built to lower fees and seek higher returns.

We combine personalized advice from licensed financial experts with modern, intuitive technology to help you invest smarter—all for one low, transparent fee.

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Low Fees	Betterment Digital	Fidelity Go	Fidelity Portfolio Advisory Service
Management Fee	Betterment <br>Digital</br> 0.25%	Fidelity <br>Go</br> 0.35%	Fidelity <br>Portfolio Advisory Service</br> 0.60% - 1.70%
Average ETF Expense Ratio	Betterment <br>Digital</br> 0.07% to 0.15%¹	Fidelity <br>Go</br> 0.00%	Fidelity <br>Portfolio Advisory Service</br> Unknown
Minimum Investment	Betterment <br>Digital</br> $0	Fidelity <br>Go</br> $0	Fidelity <br>Portfolio Advisory Service</br> $50,000

Personalization	Betterment Digital	Fidelity Go	Fidelity Portfolio Advisory Service
Tax Loss Harvesting	Betterment <br>Digital</br>	Fidelity <br>Go</br>	Fidelity <br>Portfolio Advisory Service</br> No (on US index funds only)
Tax Coordinated Portfolio	Betterment <br>Digital</br>	Fidelity <br>Go</br>	Fidelity <br>Portfolio Advisory Service</br>
Tax Impact Preview	Betterment <br>Digital</br>	Fidelity <br>Go</br>	Fidelity <br>Portfolio Advisory Service</br>
Automatic Rebalancing	Betterment <br>Digital</br>	Fidelity <br>Go</br>	Fidelity <br>Portfolio Advisory Service</br>
Multiple Ways to Personalize	Betterment <br>Digital</br>	Fidelity <br>Go</br>	Fidelity <br>Portfolio Advisory Service</br>

Security	Betterment Digital	Fidelity Go	Fidelity Portfolio Advisory Service
Two Factor Authentication Login	Betterment <br>Digital</br>	Fidelity <br>Go</br>	Fidelity <br>Portfolio Advisory Service</br>
Customer Service 7 Days a Week	Betterment <br>Digital</br>	Fidelity <br>Go</br>	Fidelity <br>Portfolio Advisory Service</br>
Licensed Financial Expert Access	Betterment <br>Digital</br>	Fidelity <br>Go</br>	Fidelity <br>Portfolio Advisory Service</br>
Brokerage Services Provider	Betterment <br>Digital</br> Betterment Securities is an SEC registered broker-dealer and member FINRA/SIPC.	Fidelity <br>Go</br> Fidelity Brokerage Services LLC is an SEC registered broker-dealer and member FINRA/SIPC.	Fidelity <br>Portfolio Advisory Service</br> Fidelity Brokerage Services LLC is an SEC registered broker-dealer and member FINRA/SIPC.

Betterment investing app on laptop and phone

WHAT WE DO

Technology helps you make the most of your money.

Portfolio rebalancing. Tax-efficient investing. Asset location. Globally diversified portfolio. We automate these proven investing strategies to make them more efficient and available to you.

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OUR COMMITMENT

The new way of managing money puts you first.

We're a fiduciary, which means we act in your best interests. We're not incentivized to recommend certain funds, and we don't have our own investment products to sell. That means we'll do what we believe is right for you.

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In the press

Here's what people are saying.

"It's hard to overestimate the broader impact Betterment has had on financial advice in the U.S."

Barron's

"Betterment became the first independent robo-advisor to reach $10 billion in assets under management."

FastCompany

"Automated investment advice is one of the hottest areas for investors...and Betterment is the market-leading independent."

Business Insider

Start investing smarter.

At Betterment, we combine low fees and innovative technology with an intuitive interface and personalized advice to help provide better returns on your investment. Don't wait to experience smarter investing—open an account with Betterment today.

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How would you like to get started?

Manage spending with Checking

Checking with a Visa® debit card for your daily spending.

Save cash and earn interest

Grow your cash savings for general use for upcoming expenses.

Invest for a long-term goal

Build wealth or plan for your next big purchase.

Invest for retirement

Set up traditional, Roth, or SEP IRAs to save for the golden years.