We ask about you.
What are you saving for? Maybe you’re buying a home, paying for college, saving for retirement, or building an emergency fund. Or, maybe you’re just investing for the sake of investing.
No matter your goal, we’ll ask you how much you’re hoping to save and when you’ll need your money.
We'll build you a portfolio.
Once we know a bit about you and your investing goals, we’ll build a personalized portfolio with a risk level and investment mix that suits each goal. And if you’d like to adjust that mix, you can.
Learn more about our portfolio strategies and how we manage your investments.See our portfolios
We’ll help you decide how much to invest.
For each of your investing goals, we’ll recommend how much you should deposit initially and on an ongoing basis. When it comes to retirement, we’ll also suggest which retirement accounts you should use, and how much you should save into each account. We can even automate your deposits so you don’t have to worry about it.
No matter the investing plan you choose, we’ll keep you up-to-date on how you’re tracking to help you reach your goal by the time you’d like to.
Our technology manages your money.
Here’s where our technology gets to work. We’ll rebalance your portfolio to maintain your preferred risk level. As your investments produce dividends, we reinvest them for you to avoid cash-drag.
We put the right investments in the right types of accounts. And when it’s time to sell a portion of your portfolio we'll sell the holdings in a tax-efficient way, helping to reduce your tax burden.
You pay one low, annual fee.
No hidden fees. No additional trading and transfer fees. What you see is what you pay. If only everything in life were this simple. See details
or about $25/year for every $10,000 invested
How would you like to get started?
Your first step toward a smarter investing future starts here.
Create a Betterment account
Go ahead and join the smart, modern way to invest.
See what we can do for you
Tell us a bit about yourself, and we'll show you the benefits of investing with us.
Get a free investing checkup
Help us get a sense of your investing approach and see how you could improve.
Transfer a 401(k) or an IRA
Move an existing retirement account into a Betterment IRA.
Download the mobile app
Enjoy the Betterment experience anywhere on the go.