DO SOMETHING BETTER WITH YOUR IRA CONTRIBUTION
Max out your 2018 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 12 is our IRA contribution deadline.
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.
Get investment advice when you need it.
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.Start a rollover
See how we stack up against competitive services.
Estimated management costs2 for one year
Estimated management costs2 for 25 years of contributing $5,500 annually
Access to licensed financial experts
Goal-based financial planning tools
Does not use proprietary funds
Personalized, automatic allocation adjustment
Smart retirement withdrawals
Explore your first goal
Our high-yield account built to help you earn more on every dollar you save.
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.
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.
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 March 2019.