Resources ‹ Tools and Calculators s s Tools and Calculators Making informed investment decisions can be a challenge. Betterment offers a variety of free interactive tools and calculators for helping you make stronger, more evidence-based financial plans. Articles tagged Tools and Calculators Advanced Investing Explore Betterment’s Historical Performance Betterment would have outperformed the average investor with an investment advisor in 83% of all periods over the last decade. Read More Portfolio Management Where in the World Are You Invested? Betterment's portfolio diversification includes holdings across 102 countries. Explore where your money is invested with our widget. Read More Company Stock Part One: The Case Against Holding Company Stock Three years out, the median IPO stock underperformed by 18% as compared to a diversified Betterment portfolio with 90% stocks. Take a look at the data. Read More 401(k)s and IRAs Roth or Traditional: Which IRA is Right for Me? Individual Retirement Accounts (IRAs) are popular because of their flexibility. We’ll help you choose which one is better for now and the long term. 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.