Have you considered how much your time is worth?

Betterment, the largest independent robo-advisor, is the smarter way to manage your investments. 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. To invest $100,000, Betterment costs just $20.83 monthly.

Features and Benefits Portfolio of Vanguard ETFs Portfolio of Vanguard Mutual Funds

Minimum Investment

None $3,000 $1,000-$100,000

Low Cost

Average Expense
Ratio: 0.13%
Management fees as low as 0.25%
Average Expense
Ratio: 0.14%
The Hidden Fee: Your valuable time and peace of mind
Average Expense
Ratio: 0.19%
The Hidden Fee: Your valuable time and peace of mind

No Transaction or Trading Costs, Ever.

Trading fees assessed for ETFs not owned by Vanguard Some funds charge trading fees (Fees: 0.25%-0.50% of transaction)

Automated, Daily Tax Loss Harvesting

Tax loss harvesting is the practice of selling a security that has experienced a loss—and then buying a similar one to replace it. The replacement does two things: it allows the investor to offset some taxable income, all while maintaining desired exposure to the asset class. Only our intelligent Tax Loss Harvesting+ algorithm uses alternate and tertiary tickers to avoid wash sales to help you maximize your tax savings.

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.

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's SmartDeposit feature helps you invest your excess cash automatically — even if you have variable income. 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 withdrawal fees.

Fractional Shares

We make every penny work for our customers. There is no loss of performance due to holding uninvested cash.

Smart Retirement Withdrawal Tool

When you’re ready to retire, we provide personalized advice for how much to withdraw to ensure your savings will outlast you in 99% of scenarios. Our advice dynamically changes based on market volatility, so you don’t have to do it yourself. We can also set up automatic withdrawals that are sent to you just like a paycheck.

Tax Impact Preview

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

Support 7 Days a Week — Live Chat, Phone, and Email

Our investing may be automated, but we’re certainly not. We’re here for you via phone, email, and live chat—7 days a week.

You're a smart investor. Now you've found an investment solution that's right for you.

Invest with Betterment and get 3 months free.


Betterment fee is accurate as of January 30, 2017. 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.