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.
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
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.
Smart Saver
You could earn 20X more than a typical savings account with our low-risk investing account for your extra cash.
How would you like to get started?
Your first step toward a smarter investing future starts here.
Create a Betterment account
Go ahead and join the smart, modern way to invest.
See what we can do for you
Tell us a bit about yourself, and we'll show you the benefits of investing with us.
Get a free investing checkup
Help us get a sense of your investing approach and see how you could improve.
Transfer a 401(k) or an IRA
Move an existing retirement account into a Betterment IRA.
Download the mobile app
Enjoy the Betterment experience anywhere on the go.
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.