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Is your old 401(k) costing you?

Don’t let high 401(k) fees drain your savings. Rolling over an average 401(k) to a Betterment IRA could mean 60% lower fees.1 Watch our video to learn more, or get started below.

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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

Betterment IRA targeting 25 years until retirement using the Betterment Portfolio Strategy

Average 401(k)

Average 401(k) as determined by an independent industry study

Current amount invested

Betterment IRA

$100,000

Average 401(k)

$100,000

Management fee

Betterment IRA

0.25%

Average 401(k)

See row below

Average expense ratio on funds

Betterment IRA

0.12%

Average 401(k)

Fees on the average 401(k), which inclusive of management and fund costs
0.97%

Estimated annual cost after one year2

Betterment IRA

$400

Average 401(k)

$1,048

Estimated annual cost after 25 years2

Betterment IRA

$2,318

Average 401(k)

$5,257

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.

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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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Start a rollover or IRA transfer in 60 seconds

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.

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Frequently asked questions

"How is a Betterment IRA better than a typical 401(k)?"
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"What types of retirement accounts can I roll my 401(k) into?"
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"Are there deposit, withdrawals, or ETF fees?"
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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.

1 This comparison is based on 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 lower cost IRA charging an annual fee of 0.37% (management and fund expenses). 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.

2 The table above shows the estimated costs for one year and 25 years with an initial balance of $100,000. 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.

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.