The Core portfolio is low-cost and designed to generate long-term returns while reducing risk through diversification. Features a broad collection of exchange-traded funds (ETFs) made of thousands of stocks and bonds from around the world.
Who it's for

Investors looking for a globally diversified portfolio providing optimized exposure to stocks and bonds

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Based on an allocation of 90% stocks, 10% bonds

Allocations as of April 2, 2024

This portfolio strategy has 101 different allocation options, from 0% bonds to 100% stocks. The 90% stock, 10% bond portfolio has been selected to display holdings. Different allocations will have different weights of each asset class. Betterment may recommend a different allocation based on various goal inputs tailored to each client, including the time horizon for your goal with the longest period starting at 90% stocks. The holdings shown reflect the portfolio model for tax-deferred accounts, like IRAs or 401(k)s. You can expect differences in taxable accounts.

Invested with benefits.

  • Tax-smart tools.

    Automated and optimized tax strategies designed to help minimize tax impact on returns.

  • Lower costs.

    Keep more money in your portfolio with low-cost exchange-traded funds (ETFs) and our transparent pricing.

  • Adjusts automatically.

    Your investments are rebalanced as the market moves once at the minimum account balance, with dividends getting reinvested.

Be invested.

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