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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
Betterment <br>Digital</br>
Fidelity <br>Go</br>
Fidelity <br>Portfolio Advisory Service</br>

No
(on US index funds only)

Betterment <br>Digital</br>
Fidelity <br>Go</br>
Fidelity <br>Portfolio Advisory Service</br>
Betterment <br>Digital</br>
Fidelity <br>Go</br>
Fidelity <br>Portfolio Advisory Service</br>
Betterment <br>Digital</br>
Fidelity <br>Go</br>
Fidelity <br>Portfolio Advisory Service</br>
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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Explore your first goal

Cash Reserve

Our high-yield account built to help you earn more on every dollar you save.

Safety Net

This is a great place to start—an emergency fund for life's unplanned hiccups. A safety net is a conservative portfolio.

Retirement

Whether it's a long way off or just around the corner, we'll help you save for the retirement you deserve.

General Investing

If you want to invest and build wealth over time, then this is the goal for you. This is an excellent goal type for unknown future needs or money you plan to pass to future generations.

1 Fees for the underlying investments in a Betterment portfolio total between 0.07% and 0.15%

2 Information as of 5/1/2018