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Betterment

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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
 Schwab
Intelligent Portfolios

Cash Drag
Betterment<br>Digital</br>

0.00%
Schwab<br>Intelligent Portfolios</br>

0.41%
Potential Annual Cost1

Management Fee
Betterment<br>Digital</br>

0.25%
Schwab<br>Intelligent Portfolios</br>

0.00%

Average ETF expense ratio
Betterment<br>Digital</br>

0.07% - 0.15%2
Schwab<br>Intelligent Portfolios</br>

0.06% - 0.20%

Minimum Investment
Betterment<br>Digital</br>

$0
Schwab<br>Intelligent Portfolios</br>

$5,000
Personalization Betterment
Digital
 Schwab
Intelligent Portfolios

Goal Tracking
Betterment<br>Digital</br>
<title>This is supported</title>
Schwab<br>Intelligent Portfolios</br>
<title>This is supported</title>
Betterment<br>Digital</br>
<title>This is supported</title>
Schwab<br>Intelligent Portfolios</br>
Betterment<br>Digital</br>
<title>This is supported</title>
Schwab<br>Intelligent Portfolios</br>

Yes
$50k account min. to use this service
Betterment<br>Digital</br>
<title>This is supported</title>
Schwab<br>Intelligent Portfolios</br>
Betterment<br>Digital</br>
<title>This is supported</title>
Schwab<br>Intelligent Portfolios</br>
Betterment<br>Digital</br>
<title>This is supported</title>
Schwab<br>Intelligent Portfolios</br>
<title>This is supported</title>
Security Betterment
Digital
 Schwab
Intelligent Portfolios

2 factor authentication login
Betterment<br>Digital</br>
<title>This is supported</title>
Schwab<br>Intelligent Portfolios</br>
<title>This is supported</title>

Customer Service 7 days a week
Betterment<br>Digital</br>
<title>This is supported</title>
Schwab<br>Intelligent Portfolios</br>
<title>This is supported</title>

Licensed Financial Expert Access
Betterment<br>Digital</br>
<title>This is supported</title>
Schwab<br>Intelligent Portfolios</br>
<title>This is supported</title>

Brokerage Services Provider
Betterment<br>Digital</br>

Betterment Securities is an SEC registered broker-dealer and member FINRA/SIPC.
Schwab<br>Intelligent Portfolios</br>

Charles Schwab & Co., Inc. is member SIPC, and Charles Schwab Investment Advisory, Inc. is an SEC registered broker/dealer and member FINRA.
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.

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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1 In order to generate revenue on their "free" service, Schwab allocates up to 30% of a portfolio to cash. In certain circumstances, keeping uninvested cash can result in a drag on annual returns, known as cash drag. This illustration compares what could happen if an investor fully invested all assets in an investment portfolio in securities as opposed to leaving a portion of those investable assets in cash. A Schwab moderate model portfolio, as provided on the Schwab Intelligent Portfolio FAQ page, holds 61% stock, 5% gold and other precious metals, 23.5% bonds, and 10.5% in cash. To calculate the potential cash drag in a Schwab portfolio, we studied expected returns for a Betterment portfolio of 72% stocks, 28% bonds. We selected that Betterment portfolio because it maintains that same proportion of stocks to bonds as in the moderate Schwab portfolio described above. To study the effect of cash drag, we looked at the performance of a hypothetical investor who invested 89.5% of their assets in the Betterment 72% stock portfolio and held 10.5% in cash compared to the performance of an investor who invested 100% of their assets in the Betterment 72% stock portfolio and held 0% in cash. For our analysis, we assume that this 72% stock Betterment portfolio will have an annual return of 4.8% in excess of the risk-free rate (the risk-free rate is typically very close to the interest rate paid on cash in a savings account) and a portfolio volatility of 13.1%. We calculated the estimated expected return over one year that could be earned in the 72% stock Betterment portfolio that was instead lost to the drag of holding 10.5% of assets in cash to be 0.41%. For purposes of this illustrative comparison, fees were not included in this calculation.

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

Information as of 1/18/2018