How will my portfolio be allocated?

When you deposit money with Betterment, every dollar is seamlessly invested in up to 14 different asset classes, depending on your selected asset allocation.

You decide your ideal allocation of stocks vs. bonds, which is dependent on the amount of risk you want to take and how much time you plan on investing. We’ll provide recommendations based on your goals and your timeframe, and once your balance is at or past the minimum threshold, we’ll automatically rebalance your portfolio over time to keep you on track to meet your financial goals. When setting up your account, the more accurate the information you enter about your goals, the better our advice can be optimized for you.

Read more about our investing strategy.

You can also see the full breakdown of the ETFs at each allocation, or if you already have an account, you can log in and view your portfolio breakdown.