Pricing at Betterment

Questions about our pricing:

• How are the fees taken from my account?

  Fees are taken right from your Betterment Investing account at the end of each month. No action is required on your part, and we'll never charge fees if you don't have a balance. Our fees are calculated based on the average daily balance of assets under management and assessed monthly, and add up to the total annual percentage (0.25% or 0.40%, depending on your plan).

  If a client’s account exclusively consists of mutual funds, due to small price fluctuations in mutual funds that may occur on the transaction date, Betterment will accrue any fees over- or under-assessed and apply the difference to adjust the following period’s fee.

• Are there discounts if I hold a high balance?

  Yes. For the portion of your household balance above $2M, you'll receive a 0.10% discount. So, on the Digital plan, you'll pay just 0.15% for the portion of your balance above $2M, and on the Premium plan, you'll play 0.30% for the portion of the balance above $2M.

• What counts toward the minimum balance for Premium?

  The minimum balance requirement for the Premium plan is based on your combined balance across individual and joint taxable accounts, trusts, and any IRAs you hold at Betterment.

  Cash Goals, Betterment Cash Reserve balances, and your Betterment Checking balance do not count toward the minimum balance requirement for Premium. If you have a 401(k) through an employer plan with Betterment for Business, an account with a third-party advisor through our Betterment for Advisors platform, or a health savings account (HSA) offered by Betterment in partnership with Optum Bank, those accounts are also not included in your minimum balance requirement and are subject to separate fee schedules.

• Are there fees on deposits, withdrawals, or ETFs?

  Betterment will construct your portfolio with ETFs, a type of security that generally tracks a broad-market stock or bond index but trades like a stock on a listed exchange, and these ETFs have embedded fund fees. Betterment's fund selection methodology aims to keep these costs as low as possible, and the dividends paid and reflected in your account's statement already take into account the deduction of these fees by the fund. Betterment does not receive any portion of these fund fees and these fees are in addition to our annual wrap fee (.25% for Digital and .40% for Premium). Other than fund fees discussed above, our annual fee covers everything else. You are not charged any additional trading, deposit, withdrawal or transfer fees.

• Does it cost more to get additional help if I need it?

  Our Customer Support Team is available at no additional cost to help you with any technical or account management questions. Members of our Customer Support Team are not investment adviser representatives and are not licensed to give financial advice. Customers looking to transfer investments to Betterment have access to our dedicated transfer specialist team. If you're exploring moving $100K or more to Betterment and would like to understand your options, get advice on account set up, and ultimately have dedicated support throughout the transfer process, we offer complimentary access to our Licensed Concierge team.

  For more in-depth financial advice, you can purchase flat-fee advice packages with our team of CFP^® professionals, for a one-time fee of $299-$399. An advice package can be especially useful if you're looking to build a financial plan but do not have the $100K minimum balance for our Premium Plan. Each advice package includes a tailored call and a personalized action plan and educational content.