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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.

Betterment portfolio on desktop and phone
Transparency built in

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

Learn about the building blocks of your portfolio.

Betterment’s recommended portfolio strategy is constructed using a two part process: asset allocation and fund selection. Below, you can explore each asset class used in the Betterment Portfolio Strategy and the ETFs we use for each class.

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.

Portfolio Commentary

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.

Bond Funds: How to Use Diversification to Minimize Risks

It’s hard for individual investors to trade bonds profitably, as there is little standardization, there are no public exchanges, and the market can be opaque.

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.