Cut Out the Middle Men
Betterment is a way to cut out middle men. The power and clarity of this message were brought to my attention last week, over Thanksgiving, when I was home in Dallas. I spoke to an old friend about Betterment, described what we're doing, and made a comparison to online banks.
“Oh, so you cut out even more middle men than the branch-less banks,” she replied.
I think of our mission as bringing the best possible investments to our customers, and delivering them efficiently. In the process of achieving that mission, we’ve cut out a lot of middle men. It just hadn’t occurred to me what a powerful and attractive idea that is, in and of itself. We deliver direct access to the sources of wealth creation – stocks and bonds.
Unlike a bank account or other investment accounts, with Betterment, you don’t have to open multiple accounts to get started. You don’t have to choose among funds pitched by third parties, or risk buying under-performing proprietary funds. You don’t have a broker charging you separately from an advisor. You don’t have several people sitting between you and your investments, earning fat fees for doing nothing. You own the stocks outright, for one low fee. It’s a compelling proposition.
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.
Get All the Returns You Deserve
We set out to make investing more efficient—and we have. With our platform, your investor returns can get a boost of 2.66%.
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.
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.