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Built on Nobel



The Betterment Portfolio Strategy 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.

Invest in thousands of companies across the world

Your Betterment portfolio can benefit from growth in both developed and emerging markets, so you're less exposed to the economy of any one country.

Explore Betterment portfolios

See a complete list of our stock ETFs and bond ETFs.

Allocate assets for optimal performance.

How your money is spread across stocks and bonds can impact your long-term returns. We'll recommend how much risk to take on based on when you'll need your money.

Additional Portfolio Strategies

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

Socially Responsible Investing

Based on the Betterment Portfolio Strategy. Increased weight in stocks of companies meeting certain social, environmental, and governance criteria.

Key features:
  • Helps express investment preference for social impact

  • Maintains diversification and low costs

Learn more
Built by Betterment

Goldman Sachs Smart Beta

Diversified portfolio strategy that uses certain factors that attempt to outperform a conventional market-cap strategy

Key features:
  • Designed to provide exposure to drivers of investment returns beyond market cap, with different risks

  • Seeks to maintain tax efficiency and low cost similar to traditional, market cap-weighted strategies

Learn more
Built by Goldman Sachs Asset Management

BlackRock Target Income

100% bond portfolio with different income yields. Helps insulate against the ups and downs of the stock market.

Key features:
  • Expects to provide more return from income, rather than capital appreciation

  • Limits exposure to stock market volatility

Learn more
Built by BlackRock

Get even more control with a Flexible Portfolio.

Unique market views? External Holdings? If your investment preferences differ from our recommendations, you can adjust individual asset class weights in the Betterment portfolio to express them.

Learn more

Frequently Asked Questions

What is an ETF?

An exchange-traded fund (ETF) is a security that tracks an index, a commodity or a basket of assets just like an index fund, but trades like a stock on an exchange. Betterment uses ETFs in both our stock and bond portfolios because of the liquidity, diversification, and low management fees they offer. Read more.

Will a taxable portfolio be different from a non-taxable portfolio?

Yes—We distinguish between taxable and retirement accounts when allocating bonds for additional optimization. Taxable accounts generally hold federally tax-exempt municipal bonds, providing portfolios more favorable after-tax return. Tax advantaged retirement accounts generally maintain exposure to U.S. investment-grade bonds.

Will my Betterment portfolio be globally diversified?

Yes—By using the world's markets as its baseline, the Betterment portfolio diversifies risk on a number of levels including currency, interest rates, credit risk, monetary policy, and economic growth country by country. As economic circumstances may drag down one nation, global diversification helps decrease the risk that one geographic area alone will drag down your portfolio. Read more.

Can my Betterment portfolio decrease in value?

Yes—Far from unusual, downturns are a normal part of even the highest returning investments. Investors often worry and react with panic in response to market drops, even if they are invested properly for their long-term goals, but interim losses are to be expected even during the best investment periods. Read more.

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

Yes, you can have multiple portfolio strategies within your Betterment account. Portfolio strategies are selected at the individual goal level.

Where can I learn more about the Betterment portfolio and investing strategy?

You can read more about the Betterment portfolio, investment strategy, ETFs, taxes and more at our Resource Center.

Explore your first goal

Cash Reserve

Our high-yield account built to help you earn more on every dollar you save.

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.

  • Are you on track for retirement?

    Try our retirement calculator to see if you're retirement-ready.

  • Could your 401(k) be worth more?

    Learn how rolling over an average 401(k) to a Betterment IRA could mean 60% lower fees.

  • Want more retirement guidance?

    Read the latest on investing for retirement on our Resource Center.

1 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.