DO SOMETHING BETTER WITH YOUR IRA CONTRIBUTION

Max out your 2017 IRA with Betterment—up to $5,500 for most investors. You’ll get proven investment strategies combined with modern technology that drives down costs. And that means you keep more of what you earn.

Don't forget: April 16 is our IRA contribution deadline.

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Personalized financial planning for the modern investor.

We provide personalized investment advice that’s grounded in Nobel-prize winning research. Your plan is tailored to your preferences and managed with our groundbreaking technology, which automatically adjusts and rebalances your portfolio. And because we’re able to keep costs low and automate tax-savings—you can keep more of what you earn.

Advice you can trust.

We're a fiduciary advisor, which means we act in your best interest. We're not incentivized to recommend certain funds, and we don't have our own investment products to sell. That means we'll do what we believe is right for you.

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Start a rollover or IRA transfer in 60 seconds

For 50+ providers, IRA transfers to Betterment are automated and can be initiated in as little as 60 seconds. For other providers, we make it easier by giving you what you need to complete the transfer.

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See how we stack up against competitive services.

Betterment IRA
Vanguard Personal Advisor Services
Fidelity Go

Annual contribution

Betterment IRA

$5,500

Vanguard Personal Advisor Services

$5,500

Fidelity Go

$5,500

Management fee1

Betterment IRA

0.25%

Vanguard Personal Advisor Services

0.30%

Fidelity Go

0.35%

Estimated management costs2 for one year

Betterment IRA

$15

Vanguard Personal Advisor Services

$18

Fidelity Go

$21

Estimated management costs2 for 25 years of contributing $5,500 annually

Betterment IRA

$1,044

Vanguard Personal Advisor Services

$1,243

Fidelity Go

$1,438

Access to licensed financial experts

Betterment IRA
Vanguard Personal Advisor Services
Fidelity Go

Goal-based financial planning tools

Betterment IRA
Vanguard Personal Advisor Services
Fidelity Go

Automatic rebalancing

Betterment IRA
Vanguard Personal Advisor Services
Fidelity Go

Does not use proprietary funds

Betterment IRA
Vanguard Personal Advisor Services
Fidelity Go

Personalized, automatic allocation adjustment

Betterment IRA
Vanguard Personal Advisor Services
Fidelity Go

Asset location

Betterment IRA
Vanguard Personal Advisor Services
Fidelity Go

Smart retirement withdrawals

Betterment IRA
Vanguard Personal Advisor Services
Fidelity Go

Socially responsible investing portfolios

Betterment IRA
Vanguard Personal Advisor Services
Fidelity Go

Frequently asked questions

"Roth IRA or Traditional, which is the right choice?"

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"Can I contribute to both a SEP IRA and a traditional or Roth IRA?"

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"How much can I contribute to an IRA and what is the deadline?"

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How would you like to get started?

Your first step toward a smarter investing future starts here.

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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.

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Transfer a 401(k) or an IRA

Move an existing retirement account into a Betterment IRA.

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Enjoy the Betterment experience anywhere on the go.

1 In addition to management costs, any invested IRA has underlying fund costs. These costs depend on your portfolio and allocation decisions. For the Betterment Portfolio Strategy, the underlying funds range from 0.07% to 0.15% in fees for IRAs.

2 The table above shows the estimated management costs after one year and 25 years with an initial balance of $0. It assumes the investor deposits $5500 in the beginning of the first year and makes a $5,500 deposit in the beginning of every year after. The fee comparison above assumes a hypothetical 8% annualized, total rate of return—including market changes, dividends reinvested, and impact of trading, less the respective management fee shown above. Other income is not considered. It assumes the investor makes no withdrawals.. This comparison is meant to be simplistic and illustrative of each companies’ management fee structures, rather than demonstrating other potential factors that may impact an individual’s actual fees. It does not include fund level fees. This calculation assumes billing is done annually, at the end of the year. This calculation is hypothetical in nature and does not reflect actual results. The comparison of features is as of December 2017.

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