Earn Rewards: Sign up now and earn a special reward after your first deposit. See offer details


The Everything Bagel of Investing

Betterment seeks to reflect the returns of the global economy while retaining efficiency and access to your money.

Articles by Jon

By Jon Stein
CEO & Founder, Betterment  |  Published: April 30, 2010

Financial Blogger Felix Salmon expresses a great wish in his post In Search of an Everything Bagel—that one fund could replicate the returns of the global economy.  Such a fund would give investors the hope of capturing the global rate of GDP growth – and being so diverse would reduce the risk of investing in any one sector or country.

It’s the old idea of a “market portfolio,” a conceptually ideal investment, and one that Betterment seeks to reflect while retaining efficiency and access to your money.

The Elusive Everything Bagel

Betterment’s stock market basket is not far off from the everything bagel. It is all US stocks, but US companies’ investments abroad mean that a US stock market index gives investors global exposure.  And investing only in larger, more liquid US ETFs means that management fees and transaction costs are lower, which makes investing in Betterment a great way to capture the growth of the global economy.

Recommended Content

View All Resources

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.

The Difference Between Vanguard and Betterment

I’ve been asked a lot in the last few months in the transition from my old role at Vanguard to my new role as Chief Growth Officer at Betterment – what’s the difference between the two companies?

What is a 401(k)?

The employer’s guide to 401(k) plans.

Explore your first goal

Cash Reserve

Our high-yield account built to help you earn more on every dollar you save.

Safety Net

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.

General Investing

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.

See details and disclosure for Betterment's articles and FAQs.