Advanced personalized advice at a lower cost

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Betterment is the largest independent robo-advisor.

Betterment is built to provide customers with reliable customer support, convenience, automation, lower costs, and no minimums, all combined to do what's right—for you. With us, you’ll spend almost no time managing your investments because we do it for you, for some of the lowest costs in the industry.

Features and Benefits
Betterment
Fidelity IRA or Brokerage Account
Fidelity Portfolio Advisory Service
Fidelity Personalized Portfolios

Minimum Investment

Betterment

None

Fidelity IRA or Brokerage Account

$0-$2,500

Fidelity Portfolio Advisory Service

$50,000

Fidelity Personalized Portfolios

$200,000

Low Cost

Betterment

Management fee: 0.25%

Fidelity IRA or Brokerage Account

Management fee:
None

Fidelity Portfolio Advisory Service

Management fee:
0.63% - 1.70%

Fidelity Personalized Portfolios

Management fee:
0.55% - 1.50%
+
additional fees for SMAs

No Additional Transaction or Trading Costs.

Betterment
Fidelity IRA or Brokerage Account

$4.95 per trade

Fidelity Portfolio Advisory Service
Fidelity Personalized Portfolios

Automated, Tax Loss Harvesting

Betterment's Tax Loss Harvesting+ algorithm maximizes your tax savings by uses alternate and tertiary tickers to help avoid wash sales.

Betterment
Fidelity IRA or Brokerage Account
Fidelity Portfolio Advisory Service
Fidelity Personalized Portfolios

Automated, Tax-Efficient Rebalancing

Do you ever forget to rebalance? Betterment automatically rebalances your portfolio. We sell losses first, and we rebalance your account with every transaction — including dividend payments — to minimize capital gains due to unnecessarily selling shares.

Betterment
Fidelity IRA or Brokerage Account
Fidelity Portfolio Advisory Service
Fidelity Personalized Portfolios

Goal-Based Investing

Manage all your financial goals in one place — not just retirement. We create a personalized investing plan for each of your goals. We consider your savings goals and time horizon to provide recommendations on both asset allocation and required savings rate. Our advice continually adapts to your progress, helping to keep you and your portfolio on track.

Betterment
Fidelity IRA or Brokerage Account
Fidelity Portfolio Advisory Service
Fidelity Personalized Portfolios

SmartDeposit

Betterment's SmartDeposit feature helps you invest your excess cash automatically — even if you have variable income. This helps you maintain the liquidity you need in your checking account, while making sure that every other dollar is put to work. If you ever need some extra cash, access your money with no additional withdrawal fees. Remember that withdrawals usually take 4-5 business days.

Betterment
Fidelity IRA or Brokerage Account
Fidelity Portfolio Advisory Service
Fidelity Personalized Portfolios

Fractional Shares

A Betterment customer’s trades and resulting positions can be fractional, down to 1/1,000,000th of a share, putting every penny to work while allowing every investing goal to be perfectly diversified according to its target allocation.

Betterment
Fidelity IRA or Brokerage Account
Fidelity Portfolio Advisory Service
Fidelity Personalized Portfolios

Smart Retirement Withdrawal Tool

When you're ready to retire, we provide personalized advice for how much to withdraw to help ensure your savings can meet your goals. Our research has shown that by using a dynamic asset allocation and withdrawal strategy a Betterment portfolio can be expected to last in over in 99% of scenarios. Our advice changes dynamically based on the market, we make the calculation so you don’t have to. We can also set up automatic withdrawals that are sent directly to your linked bank account.

Betterment
Fidelity IRA or Brokerage Account
Fidelity Portfolio Advisory Service
Fidelity Personalized Portfolios

Tax Impact Preview

Estimate taxes you may owe in advance, before you adjust investment allocations or make a withdrawal, so you always make the most informed decisions.

Betterment
Fidelity IRA or Brokerage Account
Fidelity Portfolio Advisory Service
Fidelity Personalized Portfolios

Support 7 Days a Week

Our investing may be automated, but we’re certainly not. We’re here for you via phone, email, and live chat.

Betterment
Fidelity IRA or Brokerage Account
Fidelity Portfolio Advisory Service
Fidelity Personalized Portfolios

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  • Retired

.

My annual income is

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Member of Securities Investor Protection Corporation

Betterment Securities is a member of SIPC. Securities in your account protected up to $500,000. For details, please see www.sipc.org.

Looking out for investors' accounts is a legal duty.

Regulated by the SEC and a member of FINRA, our Broker-Dealer, Betterment Securities, follows a strict set of rules, designed to protect our investors' accounts.

Disclosures:

The information provided on this page is as of September 18, 2017, and is subject to change.

For a full explanation of TLH+, as well as all relevant disclosures, please see our white paper here.

The offer is valid only for new individual accounts with Betterment with an initial deposit of $5,000 or more. Your participation is subject to the following terms and agreements: This promotion is not valid with any other offers and is non-transferrable. Offer available to U.S. residents only. Betterment reserves the right to terminate this offer at any time, to limit account bonuses you are eligible to receive, and to refuse or recover any promotion award if Betterment determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, or that any terms of the Betterment Account Agreements have been violated. Please see additional information at betterment.com/legal.

 

Sources:

https://www.fidelity.com/open-account/personalized-portfolio
https://www.fidelity.com/open-account/portfolio-advisory-service
https://www.fidelity.com/open-account/all-accounts