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Betterment, the largest independent robo-advisor, is the smarter way to manage your investments. When it comes to your money, Betterment's technology is the smarter choice. See how we stack up, and why more people prefer investing with Betterment to any other independent robo-advisor.

Features and Benefits
Betterment
Wealthfront
Personal Capital
FutureAdvisor Premium

Portfolio of Exchange-Traded Funds

Betterment
Wealthfront
Personal Capital
FutureAdvisor Premium

Automatic Deposits

Betterment
Wealthfront
Personal Capital
FutureAdvisor Premium

Roth, Traditional and SEP IRAs

Betterment
Wealthfront
Personal Capital
FutureAdvisor Premium

Trust Accounts

Betterment
Wealthfront
Personal Capital
FutureAdvisor Premium

Low Fees

We charge only 0.25% for our digital service. It's your money – spend more of it in retirement.

Betterment

0.25%

Wealthfront

0.25%

Personal Capital

0.89%

FutureAdvisor Premium

0.50%

Minimum Investment

Investing should be available to everyone. Some investment managers have minimums as high as $100,000 in order to invest.

Betterment

No Minimum

Wealthfront

$500

Personal Capital

$25,000

FutureAdvisor Premium

$10,000

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.

Betterment

No Minimum

Wealthfront

$250 Minimum Withdrawal

Personal Capital

No Minimum
(must call to withdraw)

FutureAdvisor Premium

No Minimum
(must call to withdraw)

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.

Betterment
Wealthfront
Personal Capital
FutureAdvisor Premium

Next-Day Deposits

We provide the fastest transactions in the automated investment management industry. If a transfer request is received before 11 PM ET, it will be invested the next trading day. Others take at least 2 days to put money to work.

Betterment
Wealthfront
Personal Capital
FutureAdvisor Premium

SmartDeposit

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.

Betterment
Wealthfront
Personal Capital
FutureAdvisor Premium

Fractional Shares

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

Betterment
Wealthfront
Personal Capital
FutureAdvisor Premium

Automatic Rebalancing to Minimize Taxes

Betterment's method is truly smart. Instead of the standard FIFO method, 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

Smart Rebalancing

Wealthfront

Smart Rebalancing

Personal Capital

Standard

FutureAdvisor Premium

Standard

Automated, Daily Tax Loss Harvesting

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

Betterment

TLH+
no minimum

Wealthfront

Basic
($500 minimum to open account)

Personal Capital
FutureAdvisor Premium

Basic
($30,000 minimum)

Smart Retirement Withdrawal Tool

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

Betterment
Wealthfront
Personal Capital
FutureAdvisor Premium

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.

Betterment
Wealthfront
Personal Capital
FutureAdvisor Premium

60-Second Rollover

We have some of the fastest rollovers in the industry, and the process is completely paperless.

Betterment
Wealthfront
Personal Capital
FutureAdvisor Premium

Custodian

Your security and trust come first. Betterment is required by its regulators to undergo rigorous examination and must adhere to strict capital requirements and regulatory oversight.

Betterment
Wealthfront
Personal Capital
FutureAdvisor Premium

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.

Betterment
Wealthfront
Personal Capital
FutureAdvisor Premium

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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.