What investments are in the Betterment Core Portfolio Strategy?

Here at Betterment, we have already done the research on how to help make the most of your money, and our experts have put together a portfolio so that you don’t have to. You won’t be picking and choosing your own investments. You also won’t be able to buy stocks in specific companies or industries.

Our Core portfolio is comprised of a combination of stock ETFs and bond ETFs, which are globally diversified and personalized for each goal and time horizon. An exchange-traded fund (ETF) is a security that tracks an index, a commodity, or a basket of assets—just like an index fund—but trades like a stock on an exchange. We chose each ETF we invest your money in because of liquidity, diversification, and low management fees.


We also offer additional strategies for those interested in socially responsible investing (SRI), targeting income-generation, and quantitative factor investing. Each portfolio is available at the individual goal level, and adjusts its recommended allocation or target income based on your preferences and time horizon. You can have multiple portfolio strategies within your Betterment account, tailored for different financial goals.

Our chosen stock ETFs aim to efficiently capture the broad U.S. stock market, and international developed and emerging markets. Your money is invested in thousands of companies through fractional shares. Exactly how much of your portfolio is made up of which stocks depends on the exact target allocation.

For our advanced investors, we offer flexible portfolios, which allow you to adjust the weighting of each asset class with your portfolio—if you choose to do so.

Learn more about our portfolios and historical returns.