401(k) investments built for better outcomes

Betterment offers everything from expert-built, curated portfolios to customizable investment options, giving your employees more choice in how they save for retirement.
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Portfolios: Managed and customizable options

Expert-managed portfolios with personalized glide paths, plus customizable options for employees who want more control—all built with globally diversified ETFs. Employees can invest in what interests them, from sustainability to innovative technology.

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portfolios

Mutual fund lineup

Our curated, low-cost selected mutual funds, including target-date and asset-class-based funds. See our mutual fund lineup

mutual funds

Advisor-enabled lineup

We partner with advisors to design and manage custom fund lineups tailored to client needs.

Dashboard showing a flexible portfolio example, with different percentages on selected ETFs
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Explore our curated investing options.

Core

Well-diversified, low-cost, and built for long-term investing. Features a broad collection of exchange-traded funds (ETFs) made of thousands of stocks and bonds from around the world.

Stocks and bonds

Innovative Technology

A well-diversified portfolio focused on high-growth potential companies such as clean energy, semiconductors, robots, virtual reality, blockchain, and nanotechnology along with increased exposure to risk.

Stocks and bonds

Broad Impact

Invests in companies that rank highly on environmental, social, and corporate governance (ESG) criteria without compromising potential long-term performance.

Stocks and bonds Socially responsible

Climate Impact

Invests in companies with lower carbon emissions and the funding of green projects while still helping you achieve potential long-term growth.

Stocks and bonds Socially responsible

Social Impact

Provides broad diversified exposure with a greater focus on companies actively working toward minority empowerment and gender diversity as part of your long-term strategy.

Stocks and bonds Socially responsible

Goldman Sachs Smart Beta

Targets companies that have potential to outperform the broader market over the long term. Diverse and relatively low-cost, but with higher exposure to risk.

Stocks and bonds

BlackRock Target Income

A 100% bond portfolio with different income yields to help protect you against stock market volatility.

Bonds only

Value Tilt

Invest in a globally diverse portfolio that tilts toward undervalued U.S. companies, for investors who understand the potential benefits and risks of investing more heavily in value stocks.

Stocks and bonds

Investing backed by technology to support your employees.

balance

Risk management through rebalancing

We continually monitor and rebalance investments, keeping each employee aligned with their intended risk level.
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Tax-efficient investing

Our portfolios feature tools like tax-loss harvesting and asset location, which help minimize employees’ taxes and maximize their returns.

Give your employees a better retirement.

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