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Betterment

Save, invest, retire

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Retirement income doesn't have to be a guessing game

A solution that safeguards your financial future.

Stop questioning how much money you have to live on. Betterment manages risk without sacrificing market returns or flexibility to provide reliable retirement income from your portfolio.

How does Betterment provide the best solutions for retirees?

  • Tell us your needs.

    Everyone's situation is unique – tell us how long you need your retirement savings to last and how much you anticipate needing.

  • We give you advice.

    We take the information you give us, recommend an allocation, and tell you a safe amount to withdraw from your nest egg. Portfolio performance and inflation are factored into our ongoing advice, but you have the final say.

  • Pay yourself.

    Set up auto-withdrawals directly from Betterment to your checking account. It's like you never stopped receiving a paycheck.

  • Flexibility

    Annuities can be secure, but lock up your cash and can charge high fees.

  • Higher Expected Returns

    CDs and bond ladders have rock-bottom returns.

  • Peace of Mind

    We go beyond conventional wisdom like the 4% Rule, providing a thoughtful solution for your money.

Your investments are safe with Betterment.

Our investment experts constantly evaluate the best ways to put your money to work. Betterment portfolios are completely liquid, and you can access your money at any time.

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.

Retirement

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.

  • Are you on track for retirement?

    Try our retirement calculator to see if you're retirement-ready.

  • Could your 401(k) be worth more?

    Learn how rolling over an average 401(k) to a Betterment IRA could mean 60% lower fees.

  • Want more retirement guidance?

    Read the latest on investing for retirement on our Resource Center.