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.

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.

Select an investing goal

Answer a few questions, and we'll recommend a portfolio for you.

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.