Betterment is the largest independent online financial advisor and serves one purpose: to help you make the most of your money.With Betterment, you get personalized advice, low and transparent fees, and unlimited access to licensed experts. Scroll down to see how we stack up below.
Portfolio of Exchange-Traded Funds
Roth, Traditional and SEP IRAs
We charge only 0.25% for our digital service. It's your money – spend more of it in retirement.
Investing should be available to everyone. Some investment managers have minimums as high as $100,000 in order to invest.
Easy Access to Funds
We let you access your money when you need it. There is never a minimum or maximum withdrawal limit and you can do everything online, on your schedule – no need to call in. Remember withdrawals usually take 4-5 business days.
$250 Minimum Withdrawal
(must call to withdraw)
Connect with an Expert
Get personalized advice from licensed financial experts directly from your mobile app anytime, anywhere.
Advanced Personalized Advice
Betterment's advanced personalized advice can help determine if you are on-track to reach investment targets by projecting future investment values, based on your time horizons, portfolio allocations, and deposit/withdrawal choices. We actively provide recommendations for frequency and size of deposits to help you meet your goals. Our dynamic savings tool even allows you to map out your different savings scenarios.
We provide some of the fastest transactions in the automated investment management industry. If a transfer request from your linked bank account is received before 11 PM ET, it should be invested the next trading day. Many others take at least 2 days to put money to work.
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.
If you are investing in multiple accounts, Betterment's Tax-Coordinated Portfolio™ optimizes and automates a sophisticated investing strategy known as asset location to help increase your after-tax returns.
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.
($500 minimum to open account)
Socially Responsible Investing
Our Socially Responsible Investing (SRI) portfolio helps you invest in a low-cost, globally diversified portfolio that reduces your exposure to companies that don't meet certain social, environmental, and governance criteria.
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.
We have some of the fastest rollovers in the industry, and for many, the process is completely paperless.
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.
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.
Additional Service Plans
We have additional plans that allow you to receive unlimited access to our CFP® professionals for guidance on life events and investments outside of Betterment by phone or over email, whatever is more convenient for you.
Private Client Plan
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years old and
- Not 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.
For a full explanation of TLH+, as well as all relevant disclosures, please see our white paper here.
The information provided on this page is as of July 30, 2017, and is subject to change.