# More people prefer Betterment's smarter technology

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

Betterment
Wealthfront
Personal Capital

Automatic Deposits

Betterment
Wealthfront
Personal Capital

Betterment
Wealthfront
Personal Capital

Trust Accounts

Betterment
Wealthfront
Personal Capital

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%

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

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