Personal investing accounts for any financial goal

The average brokerage account underperforms the S&P 500 index1. Why? Many investors forget to invest their cash, don't reinvest dividends, and withdraw funds too early. Our personal investing accounts help you outsmart average.

Tell us why you're investing

Align your account to any of your goals, like buying a house or saving for college.

Sync accounts to see the whole picture

Further fill out your goals by syncing your other accounts.

Start making auto-deposits to hit your goal

Move closer to your goal by making regular automatic deposits.

Invest for anything, keeping risk and taxes in mind.

Open multiple accounts for different needs.

Have as many personal investing accounts as you want for different goals. No additional fees for new accounts.

Select from multiple portfolio strategies for each goal.

Select from one of our four curated strategies, or create your own. All strategies can be customized to a desired risk level.

Use advanced investing strategies to keep taxes in check.

Unlike many traditional investment managers, we automate advanced tax-saving strategies, like asset location and tax loss harvesting.

Save time and worry with automated trading.

Betterment personal investing accounts eliminate the need for manual trading. No deposits waiting weeks to be invested. No funds to buy manually.

Betterment portfolio on desktop and phone

Compare your Betterment account to other accounts.

We provide the details of your holdings, so that you can see how our portfolio recommendation differs from assets you might hold elsewhere.

Sit back as we reinvest dividends and rebalance automatically.

All Betterment accounts reinvest dividends automatically, which helps keep your portfolio on track through automated rebalancing.

Explore your first goal

Safety Net

This is a great place to start—an emergency fund for life's unplanned hiccups. A safety net is a conservative portfolio.


Whether it's a long way off or just around the corner, we'll help you save for the retirement you deserve.

General Investing

If you want to invest and build wealth over time, then this is the goal for you. This is an excellent goal type for unknown future needs or money you plan to pass to future generations.

Smart Saver

You could earn 20X more than a typical savings account with our low-risk investing account for your extra cash.

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.



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