Betterment Portfolio Strategies

Whether you prefer to focus on generating income, making socially responsible investments, or taking on a different mix of systematic risks, Betterment has a portfolio designed to align with your values and preferences while still helping to maximize your money.

Built on Nobel Prize-winning research

The Betterment portfolio is a globally diversified mix of exchange-traded funds, chosen to help you earn better returns at various levels of risk. Read more about our selection methodology.

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Announcing new portfolio strategies through Betterment

We offer a variety of portfolios to help ensure we have one that is personalized to your needs. While most of our customers invest in the Betterment portfolio, we also offer additional strategies for those interested in Socially Responsible Investing (SRI), target income-generation, and smart beta that attempts to outperform the market. Each portfolio is available at the individual goal level, and adjusts its allocation or target income based on your situation and time horizon.

Betterment SRI

Betterment’s SRI portfolio aims to maintain the diversified, low-fee approach of Betterment’s portfolio while increasing exposure to companies that meet SRI criteria.

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Goldman Sachs Smart Beta

Goldman Sachs Smart Beta portfolios seek to outperform the market while maintaining a diversified portfolio at a low cost.2 In addition to traditional passive funds, these portfolios can use Goldman’s ActiveBeta™ equity and Access Fixed Income funds, a suite of next generation ETFs designed to deliver stronger risk adjusted returns relative to traditional index products.

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BlackRock Target Income

The BlackRock Target Income portfolios are designed for investors seeking a low risk alternative to the Betterment portfolio. This is a 100% bond portfolio with different income targets that seeks to provide steady income with low risk.

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Low, transparent fees

Betterment charges one low annual fee of 0.25% for our digital plan. This fee includes access to our tax-efficient investing features, online investment advice, and customer support 7 days a week. There is no minimum to invest and there are no additional trading, transfer, or rebalancing fees.

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Securely send your questions to our licensed financial experts, and get actionable answers and advice. Your team can answer questions about investing, retirement, tax planning, college savings, mortgages, and other debt.

The Betterment Satisfaction Guarantee

At Betterment, we are committed to providing our customers with a great investing experience. If, for any reason, you are not completely satisfied with your Betterment account, we will do everything we can to make it right, up to and including waiving Betterment's management fees for the next 90 days1.

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Member of Securities Investor Protection Corporation

Betterment Securities is a member of SIPC. Securities in your account protected up to $500,000. For details, please see www.sipc.org.

Looking out for investors' accounts is a legal duty.

Regulated by the SEC and a member of FINRA, our Broker-Dealer, Betterment Securities, follows a strict set of rules, designed to protect our investors' accounts.

1 If for any reason you are not completely satisfied with Betterment's services, at your request Betterment will waive its asset‑based advisory and brokerage fees for an upcoming period of 90 days. This guarantee only applies to the fees charged by Betterment. No other fees, expenses, or market losses will be waived or reimbursed under this guarantee, including, but not limited to, the fees charged by issuers of particular securities and the fees charged by third-party advisors in the Betterment Advisor Network. Betterment reserves the right to discontinue or modify this guarantee in the future at any time in its sole discretion. This guarantee does not apply to accounts held through the Betterment for Advisors or Betterment for Business platforms.

2 As of August 2017, all mutual funds and/or ETFs used to construct GSAM’s Model Portfolios have fees lower than the overall average expenses within their respective Morningstar categories.