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.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 year2
Estimated annual cost after 25 years2
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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.