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401(k) Challenges

401(k)s can be unexpectedly complex. Many 401(k) plans expect participants to choose investments, distinguish between funds, and select strategic savings rates. In short, if you feel confused by your plan, you're not alone. Learn to be a better 401(k) investor here.

How to Roll Over A 401(k)—Betterment Makes It Easy

How to Roll Over A 401(k)—Betterment Makes It Easy

Have 401(k)s from old jobs lying around? Betterment makes rolling them over into a low-cost IRA account simple and easy.

Save for Retirement While You’re Self-Employed

Save for Retirement While You’re Self-Employed

Entrepreneurs and small business owners have several options for saving for retirement while saving on taxes.

How To Make A Mega Backdoor Roth 401(k) Contribution

How To Make A Mega Backdoor Roth 401(k) Contribution

Looking to boost your retirement savings? Contributing above the $19,000 limit through after-tax contributions into a traditional 401(k) can help you maximize your savings with great tax benefits.

Recent Articles

Bogle on the Retirement Industry, 401(k)s and IRAs Today

Jack Bogle discusses why indexing works and why it was important for the financial industry. And he and Betterment CEO Jon Stein look to the future of indexing and ETFs.

2019 Retirement Plan Contribution Limits and Rules

For 2019, the IRS introduced changes to IRA and 401(k) plan contribution limits and income thresholds. See how these changes might affect your retirement goals.

Understanding Betterment for Business 401(k) Accounts

A 401(k) plan is an employer-sponsored retirement savings plan that allows you to save on a tax-advantaged basis. This guide is intended for participants in Betterment for Business 401(k) plans.

How to Roll Over Retirement Accounts

No matter what type of retirement account you want to roll over, we’ll try to help make it as easy as possible.

Are You Overwhelmed With 401(k) Paperwork? The RETIRE Act Can Help

Currently, you must opt-in to receive 401(k) statements electronically, instead of via snail mail. A proposed law could change that, making e-statements the norm and saving the industry millions in the process.

The True Cost of an Early 401(k) Withdrawal

Tapping into your 401(k) isn’t as easy as cracking into a piggy bank. It’s also more expensive. After early withdrawal penalties (and losing out on future earnings) what's left of your 401(k) balance is far less than expected.

Get Started With Your Betterment 401(k)

Are you a new Betterment 401(k) plan participant? Set up and start contributing to your account with our Getting Started Guide.

How to Decide: Traditional 401(k) or Roth 401(k)?

Many employer-sponsored retirement plans now offer a Roth 401(k) in addition to a Traditional 401(k). Use our calculator to find out which is a better fit for you.

For Employers: Your Employees Deserve a 401(k) with Personalized Advice

Many 401(k)s fail to help employees plan intelligently for retirement. Betterment’s 401(k) offers customized advice for employees, and it's affordable for employers.

How to Select Investments for Your 401(k)

401(k)s are offered through your employer, but your boss isn’t always going to walk you through your investing options. Here’s a Betterment “hack” for your plan.

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*The Betterment Everyday Savings ("Savings") annual percentage yield ("APY") is as of . Individuals who sign up for the Betterment Everyday Checking waitlist receive a APY, which includes a promotional rate increase that extends at least for the duration of 2019 and until every individual on the waitlist has an opportunity to access Checking. Additional promotional rate increase offers will be made available upon the full launch of Checking. APY is as of without the promotional rate increase. APY is a variable rate that can fluctuate daily, based on the Federal Funds Rate and terms offered by banks participating in Savings. APY may change at any time without notice. Current APY can be found here. No minimum balance is required. There is a minimum deposit of $10.

Checking accounts and the Betterment Visa Debit Card (collectively "Betterment Everyday Checking" or "Checking") provided by and issued by nbkc bank, Overland Park, Kansas, Member FDIC. Funds deposited into Checking will be eligible for up to $250,000 of FDIC insurance. Betterment Everyday Checking made available through Betterment Financial LLC. Betterment Financial LLC does not charge foreign transaction fees for the use of the Betterment Visa Debit Card outside of the United States. However, Visa charges a foreign transaction fee of 1%. Betterment Financial LLC does not reimburse this 1% transaction fee on foreign ATM transactions or on any other foreign transactions or purchases.