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.
Start InvestingDigital
Go
Portfolio Advisory Service
Management Fee
0.25%
0.35%
0.60% - 1.70%
Average ETF Expense Ratio
0.07% to 0.15%1
0.00%
Unknown
Minimum Investment
$0
$0
$50,000
Digital
Go
Portfolio Advisory Service
Tax Loss Harvesting
Betterment automates tax loss harvesting so you don't have to worry if it's being done correctly or at the right time.
No
(on US index funds only)
Tax Coordinated Portfolio
Betterment automates your asset location strategy to help increase your after-tax portfolio value by an estimated 15% over 30 years.
Tax Impact Preview
Tax Impact Preview automatically calculates and shows you the potential tax implications of a withdrawal or allocation change before you take action.
Automatic Rebalancing
Betterment rebalances your portfolio dynamically, efficiently and automatically as you invest to help maintain your desired risk level.
Multiple Ways to Personalize
Our experts can help you personalize your plan by setting savings goals, deciding which funds to move to Betterment, choosing a portfolio and allocation, and identify which Betterment tax features may be right for you.
Digital
Go
Portfolio Advisory Service
Two Factor Authentication Login
Customer Service 7 Days a Week
Licensed Financial Expert Access
Brokerage Services Provider
Betterment Securities is an SEC registered broker-dealer and member FINRA/SIPC.
Fidelity Brokerage Services LLC is an SEC registered broker-dealer and member FINRA/SIPC.
Fidelity Brokerage Services LLC is an SEC registered broker-dealer and member FINRA/SIPC.
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.
Start InvestingThe 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.
Start InvestingHere'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 InsiderStart 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.
Start InvestingExplore your first goal
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.
Smart Saver
You could earn 20X more than a typical savings account with our low-risk investing account for your extra cash.
How would you like to get started?
Your first step toward a smarter investing future starts here.
Create a Betterment account
Go ahead and join the smart, modern way to invest.
See what we can do for you
Tell us a bit about yourself, and we'll show you the benefits of investing with us.
Get a free investing checkup
Help us get a sense of your investing approach and see how you could improve.
Transfer a 401(k) or an IRA
Move an existing retirement account into a Betterment IRA.
Download the mobile app
Enjoy the Betterment experience anywhere on the go.
1 Fees for the underlying investments in a Betterment portfolio total between 0.07% and 0.15%
2 Information as of 5/1/2018