What's Inside a Betterment Portfolio?
Explore the asset classes in Betterment's recommended set of portfolios. Then, take a look at the funds—all ETFs—underlying each part of the portfolio strategy.
We recommend portfolios based on Nobel Prize-winning research.
We help you invest in a globally diversified portfolio of stocks and bonds, allocated to an appropriate level of risk for the timeline you set for your financial goals.
Our portfolio strategy includes stock investments in developed and emerging markets and bond investments in governments, agencies, and corporations around the world. We've employed evidence-backed optimizations that tilt a recommended portfolio toward value stocks and investments with a smaller market capitalization.
Explore your specific allocations within Betterment.
For each goal you set at Betterment, we recommend a specific allocation of the Betterment Portfolio Strategy. By comparing two different goals, you can see how our recommendation takes on different ETF weights.See your accounts
Stocks / Equities
Our expert analysis divides stocks into two classes—developed markets and emerging markets. As a developed market, U.S. stocks can often be traded at lower costs, so our portfolio construction specifies them separately.
Bonds / Fixed Income
The bond portion of the portfolio includes governmental, agency, and corporate bonds from around the globe. We also include cash-like, low-risk bonds to help manage the expected risk for conservative allocations.
Get some additional perspective.
Advancing the Betterment Portfolio Strategy
Betterment’s core portfolio strategy is based on Nobel Prize-winning research. We continually improve the portfolio strategy over time in line with our research-focused investment philosophy.
How would you like to get started?
Manage spending with Checking
Checking with a Visa® debit card for your daily spending.
Save cash and earn interest
Grow your cash savings for general use for upcoming expenses.
Invest for a long-term goal
Build wealth or plan for your next big purchase.
Invest for retirement
Set up traditional, Roth, or SEP IRAs to save for the golden years.