Envision a different kind of retirement
We'll help you take the guesswork out of the equation with our guidance and planning tools.
Save for retirement
No two retirements are exactly alike.
So we don't treat them like they are. Tell us about you, your family, your current savings, and your retirement goals. We'll create a personalized plan and recommend the right accounts to help you save for the life you envision.
Account types:
IRA (Traditional and Roth), External 401(k) and 403(b), Taxable accounts (Individual, Joint, Trust)
Your money, always at work.
We think a potential 38% extra looks pretty good on any number. Betterment's retirement advice and always-on Tax Smart technology can help.
You could earn an estimated 38% more over 30 years.
You could earn an estimated 38% more over 30 years.
Forecast your future.
With our projected spending tool, you'll see how much you can expect to spend during retirement. And when you reach the golden years, you can set up auto-withdrawals directly to your checking account.
Our retirement income solution
IRAs: A step toward secure retirement.
With an individual retirement account (IRA), you can save with tax advantages on your own. Or, if you're looking to max out your retirement savings for the year, you're in the right place.
Open an IRATraditional, Roth, SEP, Roth conversion
Find the right IRA for you.
Tell us what your dream retirement looks like. We'll set up a personalized plan and recommend the right IRA account for you.
Automate your savings.
We'll help keep you on track with regular auto-deposits and account rebalancing, and we'll make sure you're up-to-date on what your money is doing.
Plan beyond retirement.
Continue to build out your savings goals within Betterment. The more we can be part of your financial life, the smarter we can manage your money across accounts.
A better home for your retirement savings.
Roll over an old 401(k) or IRA and build a plan for the golden years with our personalized advice.
You could pay 60% less in fees.
And who doesn't want to save 60% more of their savings? It is yours, after all. Rolling over an average 401(k) to a Betterment IRA could mean 60% lower fees.1
We do what's right for you.
Unlike many other investment firms, we don't sell our own funds. As your fiduciary, we're committed to your best interests—before you even fund an account.
Simple rollovers for any account.
The financial world still requires some good old fashioned pen and paper, but we've made it possible to initiate rollovers from many providers in as little as 60 seconds. If you need any guidance, we're on hand to help.
Start a rolloverReady to write your retirement story?
Save for retirement
Getting into the details
When deciding whether to roll over a retirement account, you should carefully consider your personal situation and preferences. The information on this page is being provided for general informational purposes and is not intended to be an individualized recommendation that you take any particular action. Factors that you should consider in evaluating a potential rollover include: available investment options, fees and expenses, services, withdrawal penalties, protections from creditors and legal judgments, required minimum distributions, and treatment of employer stock. Before deciding to roll over, you should research the details of your current retirement account and consult tax and other advisors with any questions about your personal situation.