See why 380,000 customers manage over $14 billion with Betterment.
Betterment is an online financial advisor built for people who refuse to settle for average investing. People who demand better. People like you.
With Betterment, you get personalized advice, low and transparent fees, and unlimited access to licensed experts. Scroll down to see how we stack up.
Portfolio of Exchange-Traded Funds
Investing should be available to everyone. Some investment managers have minimums as high as $100,000 in order to invest.
We charge only 0.25% for our digital service. It's your money – spend more of it in retirement.
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.
Roth, Traditional and SEP IRAs
We have some of the fastest rollovers in the industry, and for many, the process is completely paperless.
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.
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.
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
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)
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.
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 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 – 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
Explore your first goal
This is a great place to start—an emergency fund for life's unplanned hiccups. A safety net is a conservative portfolio.
Whether it's a long way off or just around the corner, we'll help you save for the retirement you deserve.
If you want to invest and build wealth over time, then this is the goal for you. This is an excellent goal type for unknown future needs or money you plan to pass to future generations.
Are you on track for retirement?
Try our retirement calculator to see if you're retirement-ready.
Could your 401(k) be worth more?
Learn how rolling over an average 401(k) to a Betterment IRA could mean 60% lower fees.
Want more retirement guidance?
Read the latest on investing for retirement on our Resource Center.
For a full explanation of how Betterment harvests your capital losses—as well as all relevant disclosures—please see the Tax Loss Harvesting+ methodology.
The information provided on this page is as of March 2, 2018 and is subject to change.