We are proud to announce that your portfolio has been optimized for better risk-adjusted expected returns. While many of the new enhancements are under the hood, you will be able to see the improved selection of bonds when you look at the “Portfolio” tab of your account.
Over the last year, Betterment has more than tripled assets under management. In that time, we have cemented our status at the most trusted online investment manager by attracting many times more customers than any other fully automated online investment platform. We thank you for that.
Optimal asset allocation to drive performance
We have been working for several months to ensure that this transition is seamless. With this portfolio update, we have blended the best of investment finance with the best engineering to create more efficiency and better expected returns.
On the investment side, we used powerful computational models to drive better performance through optimal asset allocation. We did three important things to the investments: We added more assets, improved diversification, and created a smarter way to allocate assets at any level of risk. (We did not change any of the stock funds at this time.)
On the engineering side, we built a new trading system and ran massive optimization simulations to support the new portfolio. The engineering done for the new portfolio also laid the groundwork for future enhancements, as Betterment continues to expand and customize its offerings in the future.
The result is a portfolio that is optimally diversified across 12 asset classes—and should provide on average 0.57% outperformance compared to our old portfolio.
Redesigning How You Manage Your Finances at Betterment
Our new design represents a synthesis of a large body of customer feedback. We hope it meets your expectations.
The Difference Between Vanguard and Betterment
I’ve been asked a lot in the last few months in the transition from my old role at Vanguard to my new role as Chief Growth Officer at Betterment – what’s the difference between the two companies?
Smart Saver: A Low-Risk Account for Extra Cash
Providing a clearer answer for what to do with extra cash sitting in your checking and savings accounts: Smart Saver.
Explore your first goal
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.
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.
How would you like to get started?
Your first step toward a smarter investing future starts here.
Create a Betterment account
Go ahead and join the smart, modern way to invest.
See what we can do for you
Tell us a bit about yourself, and we'll show you the benefits of investing with us.
Get a free investing checkup
Help us get a sense of your investing approach and see how you could improve.
Transfer a 401(k) or an IRA
Move an existing retirement account into a Betterment IRA.
Download the mobile app
Enjoy the Betterment experience anywhere on the go.