Selecting an IRA: Ask Yourself ‘Tax Free Now or Later?’ (video)
The best choice for you may depend on your current income tax rate, your future projected income tax rate and possibly other factors.
With Traditional IRAs, you can get tax deductions now for contributions.
With Roth IRAs, you get tax-free withdrawals later.
The maximum contribution is $5,500 per year (it's $6,500 if you're age 50 or over).
If you’re still in limbo with a 401(k) or other type of rollover, never fear—we can help you. One the first decisions to make is whether to use a Roth or Traditional account. Sarah Michaelson, Betterment’s manager of customer success, breaks down the ins and outs of each kind of IRA.
How We Use Your Dividends and Deposits to Keep Your Tax Bill Low
Every penny that comes into your account is used to rebalance dynamically—and in a tax-savvy way.
How to Roll Over Your 401(k) to Betterment
Betterment makes rolling over your 401(k) simple and efficient. Get started online, or with a rollover concierge.
Frequently Asked Questions about Betterment
Just starting out exploring Betterment? These are the frequently asked questions that help people find their way.
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.