SAVE YOUR SAVINGS FROM FIDELITY
If your Fidelity account has high 401(k) fees, don’t let them drain your retirement savings. Compared to the common Fidelity Freedom Fund, rolling over to a Betterment IRA could save 23% in fees1 annually.Start a rollover
Retire with more by saving on fees.
Rolling over to a low-cost IRA from an 401(k) invested in a Fidelity Freedom Fund could mean 23% lower annual fees—which makes a big difference at retirement.
Betterment IRA targeting 25 years until retirement using the Betterment Portfolio Strategy
Average 401(k) as determined by an independent industry study
Current amount invested
See row below
Average expense ratio on funds
Fees on a Fidelity Freedom Fund in a 401(k), inclusive of management and fund costs
Estimated annual cost after one year2
Estimated annual cost after 25 years2
Rebalancing in both Fidelity Freedom Funds and Betterment is automatic. However, Betterment’s rebalancing uses a process that maximizes tax efficiency.
Tax-coordinating IRAs with taxable retirement accounts is a standard part of Betterment’s retirement planning tools.
Smart retirement withdrawals
Betterment’s retirement accounts feature tax-efficient retirement withdrawals. Fidelity Freedom Funds have no tax lot management to control withdrawals.
Personalized allocation adjustment
Betterment’s allocation adjusting is automated based on your personal retirement goal date. A target-date fund, like the Fidelity Freedom fund does offers only a generic allocation adjustment over time.
Personalized financial planning for the modern investor.
We provide personalized investment advice that’s grounded in Nobel-prize winning research. Your plan is tailored to your preferences and managed with our groundbreaking technology, which automatically adjusts and rebalances your portfolio. And because we’re able to keep costs low and automate tax-savings—you can keep more of what you earn.Learn more
Advice you can trust.
We're a fiduciary, which means we act in your best interest. We're not incentivized to recommend certain funds, and we don't have our own investment products to sell. That means we'll do what we believe is right for you.
Get investment advice when you need it.
Start a rollover or IRA transfer in 60 seconds
For 50+ providers, IRA transfers to Betterment are automated and can be initiated in as little as 60 seconds. For other providers, we make it easier by giving you what you need to complete the transfer.Start a rollover
1 The table above shows the estimated costs for one year and 25 years with an initial balance of $100,0000. The fee comparison assumes a hypothetical 8% annualized, total rate of return—including market changes, dividends reinvested, and impact of trading. Other income is not considered. The calculation reduces the total return by the average plan-weighted annual fee for all Fidelity Freedom Funds (assuming no additional management fees for the 401(k) itself) and a Betterment fee of 0.37% (0.25% Betterment management fee plus average fund level expenses of 0.12%). Betterment's annual advisory fee is 0.25% for its Digital Plan, and fees for the underlying investments total between 0.07% and 0.15%. See pricing details.
Estimated annual costs assume that the investor has no additional deposits after the initial deposit of $100,000 and makes no withdrawals. The estimates also exclude any potential matching funds from an employer. This calculation assumes billing is done annually, at the end of the year. This calculation is hypothetical in nature and does not reflect actual results.
2 When deciding whether to roll over a retirement account, you should carefully consider your personal situation and preferences. The information on this page is being provided for general informational purposes and is not intended to be an individualized recommendation that you take any particular action. Factors that you should consider in evaluating a potential rollover include: available investment options, fees and expenses, services, withdrawal penalties, protections from creditors and legal judgments, required minimum distributions, and treatment of employer stock. Before deciding to roll over, you should research the details of your current retirement account and consult tax and other advisors with any questions about your personal situation.