Recent Posts
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Assessing a Portfolio’s Diversification
Higher levels of diversification allow you to take less risk to help achieve your desired level of return. At Betterment, we have carefully constructed our recommended portfolio strategy to achieve … Read More
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Acceptable Reasons for Using Flexible Portfolios
Personalizing your overall investment strategy is critical to maximizing your money and achieving your financial goals. At Betterment, we aim to give you sound financial advice that we’ve personalized to how … Read More
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Goal Projection and Advice Methodology
Betterment helps you get on track to meet your goals by providing projections and advice on allocation, savings, and withdrawals. Our methodology for doing so involves some assumptions worth exploring. Read More
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Retirement Planning Advice Methodology
The complete methodology for Betterment's retirement planning process. Whether using Betterment’s digital services or working with our financial professional, you can review this set of assumptions to understand how we help customers achieve their retirement goals. Read More
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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. Read More
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Developing the Betterment SRI Portfolio Strategy
Betterment’s portfolio represents a diversified, low-cost SRI solution that will be improved as data, costs, and SRI funds improve. Read More
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Deriving an Assumption on Inflation
Expected annual inflation is a key assumption used by our retirement savings and withdrawal advice, which help you plan for the future. To make these calculations, we must assume a … Read More
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Betterment’s Approach to Financial Advice: An Overview
When it comes to investing, it’s easy to get lost in a myriad of decisions about strategies, diversification, investment costs, or funds to buy, to name a few. These decisions … Read More
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White Paper: Tax-Coordinated Portfolio™
"To allocate assets is human; to auto-locate them, divine" —Ancient Tax Proverb Summary Asset location is widely regarded as the closest thing there is to a "free lunch" in the … Read More
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Using Investment Goals at Betterment
Goal-based investing. The idea is prized among financial advisors—and our team at Betterment—but to the everyday investor, it’s often difficult to put into practice. After all, being clear about the … Read More
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ETF Selection for Portfolio Construction: A Methodology
Betterment seeks to maximize investor take-home returns, which drives our investment selection criteria and process. Read More
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Stock Allocation Advice for Betterment Portfolios
If you have ever worked with a traditional investment manager or have a 401(k) plan at work, you have likely answered a “standard” risk questionnaire. It often starts with your estimated retirement date and how much money … Read More
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White Paper: Tax Loss Harvesting+™
Tax loss harvesting is a sophisticated technique to get more value from your investments—but doing it well requires expertise. Read More