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Don't let high 401(k) fees drain your retirement savings. Betterment combines evidence-based investment strategies with revolutionary technology that drives down costs. And that means you can keep more of what you earn.Start a rollover
You could pay 60% lower fees than an average 401(k).
Rolling over to a low-cost IRA from an average 401(k) could mean 60% lower annual fees—which makes a big difference at retirement.
Betterment IRA targeting 25 years until retirement using the Betterment Portfolio Strategy
Average 401(k) as determined by an independent industry study
Current amount invested
See row below
Average expense ratio on funds
Fees on the average 401(k), which inclusive of management and fund costs
Estimated annual cost after one year1
Estimated annual cost after 25 years1
Personalized allocation adjustment
Automatic allocation adjustments, based on your desired retirement date
Allocations may be automated using a target-date fund or some other managed account setup, depending on account setup
Rebalancing based on threshold for drifting from the target allocation
Different 401(k) plans use to different approaches to automatic rebalancing
Betterment distributes assets across your IRAs and taxable retirement accounts based on how their taxed
Asset location may be included in some 401(k) plans
Smart retirement withdrawals
Tax-efficient withdrawals from a Betterment IRA
Withdrawal process depends on your plan
Access to licensed financial experts
Access to financial professionals using Betterment’s mobile app or with Premium subscription
Financial advice depends on 401(k) plan design
Personalized financial planning for the modern investor.
We provide personalized investment advice that’s grounded in Nobel-prize winning research. Your plan is tailored to your preferences and managed with our groundbreaking technology, which automatically adjusts and rebalances your portfolio. And because we’re able to keep costs low and automate tax-savings—you can keep more of what you earn.Learn more
Advice you can trust.
We're a fiduciary, which means we act in your best interest. We're not incentivized to recommend certain funds, and we don't have our own investment products to sell. That means we'll do what we believe is right for you.
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For 50+ providers, IRA transfers to Betterment are automated and can be initiated in as little as 60 seconds. For other providers, we make it easier by giving you what you need to complete the transfer.Start a rollover
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years old and
- Not Retired
My annual income is
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1 The table above shows the estimated costs for one year and 25 years with an initial balance of $100,0000. The fee comparison assumes a hypothetical 8% annualized, total rate of return—including market changes,dividends reinvested, and impact of trading. Other income is not considered. The calculation reduces the total return by the average plan-weighted annual fee for all 401(k)s of 0.97% (management and fund expenses) according to this independent study of employer-sponsored plans and a Betterment fee of 0.37% (0.25% Betterment management fee plus average fund level expenses of 0.12%). Betterment's annual advisory fee is 0.25% for its Digital Plan, and fees for the underlying investments total between 0.07% and 0.15%. See pricing details.
Estimated annual costs assume that the investor has no additional deposits after the initial deposit of $100,000 and makes no withdrawals. The estimates also exclude any potential matching funds from an employer. This calculation assumes billing is done annually, at the end of the year. This calculation is hypothetical in nature and does not reflect actual results.