Resources ‹ Advice s s Articles tagged Advice Goals and Advice After the 2016 Election: Focus on the Future and Filter Out the Noise Making investment changes when emotions are running high is always dangerous—including when it comes to this election. The wise thing to do is to remain calm and stay the course. Read More ETFs ETFs Are Better Than Mutual Funds for a 401(k) 401(k)s are mostly invested in mutual funds, which may have hidden fees. Passive ETFs are more transparent and better for 401(k) plan participants. Read More 401(k)s and IRAs How to Select Investments for Your 401(k) 401(k)s are offered through your employer, but your boss isn’t always going to walk you through your investing options. Here’s a Betterment “hack” for your plan. Read More Our Story Vertical Integration: Better Business, Better Returns We are the first and only online investment advisor to take this ultra-efficient approach. Read More 401(k)s and IRAs Choosing Between Roth and Traditional IRAs Pay your income taxes now or later? You'll have to decide what strategy works for you. At Betterment, we offer both types of accounts. Our specialists can help. Read More Goals and Advice Where Will You Get Your Financial Advice in the Future? Digital or human? The debate is on in the popular press and among financial advisors. At Betterment, we believe it's from both. Read More Personal Finance Safety Net Funds: Why Traditional Advice Is Wrong Don’t keep your safety net fund in cash savings accounts. Odds are you’ll lose money due to inflation, and lose out on potential growth of your savings. Read More Advanced Investing Smart, Yet Difficult: Doing Nothing in Market Downturns What does a market dip mean for achieving your goals? Read these 4 lessons for help. Read More Advanced Investing Individual Investors After the Crisis: Giving Up or Going It Alone? The aftermath of the crash reveals some worrying trends in investor behavior. Read More Advanced Investing What Are the Best Auto-Deposit Settings? Our clients send some great questions our way, which often should be shared. We received a good one on auto-deposits recently which I had to consider myself when saving with Betterment. Read More Goals and Advice Show Me the Money Setting your asset allocation is the single most important decision you will make as an investor. That’s why it is the primary focus of our advice, both within your Betterment … Read More What Betterment Offers Retirement Solutions at Betterment We provide solutions for every stage of retirement planning. Betterment IRAs Rolling over to a Betterment IRA involves almost no paperwork and allows customers to be invested in as little as two days.