Expert-built,
curated portfolios

Our portfolios are the easy way to invest like a pro. Choose from our selection to help you build wealth over the long term.

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Core

Well-diversified, low-cost, and built for long-term investing. Features an especially broad collection of stocks and bonds from across the world.

Original Stocks and bonds

Innovative Technology

A well-diversified portfolio focused on high-growth potential companies such as clean energy, semiconductors, robots, virtual reality, blockchain, and nanotechnology along with increased exposure to risk.

Stocks and bonds

Broad Impact

Invests in companies that rank highly on environmental, social, and corporate governance (ESG) criteria without compromising potential long-term performance.

Socially responsible Stocks and bonds

Climate Impact

Invests in companies with lower carbon emissions and the funding of green projects while still helping you achieve potential long-term growth.

Socially responsible Stocks and bonds

Social Impact

Provides broad diversified exposure with a greater focus on companies actively working toward minority empowerment and gender diversity as part of your long-term strategy.

Socially responsible Stocks and bonds

Goldman Sachs Smart Beta

Targets companies that have potential to outperform the broader market over the long term. Diverse and relatively low-cost, but with higher exposure to risk.

Stocks and bonds

BlackRock Target Income

A 100% bond portfolio with different income yields to help protect you against stock market volatility.

Bonds only

Cash Reserve

A 100% cash account that earns 3.75% APY (variable)*, carries no-fee on your balance, and is FDIC-insured up to $1M at our program banks ($2M for joint accounts)†.

Cash only

Universe

Broadly invest in the crypto landscape with one portfolio. Get diversification across decentralized finance, payments, the metaverse, and more.

New Crypto

Sustainable

Greater emphasis on crypto assets either utilizing less energy to validate transactions or are on a clear path to sustainable energy usage.

New Crypto

Metaverse

More exposure to crypto assets focused on new forms of digital experience, from gaming to collectibles to even real estate.

New Crypto

Decentralized Finance

Increased focus on crypto assets offering financial services such as banking, loans, and mortgages without relying on centralized institutions.

New Crypto

Customize your portfolio.

If you’re an experienced investor looking for more control, a Flexible portfolio lets you adjust individual asset class weights based on your preferences.

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Invested with benefits.

  • Tax savings.

    Automated and optimized tax strategies designed to help minimize tax impact on returns.

  • Lower costs.

    Keep more money in your portfolio with low-cost exchange-traded funds (ETFs) and our transparent pricing.

  • Adjusts automatically.

    Your investments are rebalanced as the market moves once at the minimum account balance, with dividends getting reinvested.

Be invested.

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Frequently asked questions

  • What is a portfolio?

  • Why does Betterment invest in ETFs?

  • What should I expect in terms of returns for my investments?

  • Can I use more than one portfolio strategy in my Betterment account?

  • Can my Betterment investments decrease in value?

  • Can I see the list of funds in each portfolio strategy?