SAVE YOUR SAVINGS WITH BETTERMENT

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.

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Get up to 1 year managed free when you roll over.

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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 year1

Betterment IRA

$400

Average 401(k)

$1,048

Estimated annual cost after 25 years1

Betterment IRA

$2,318

Average 401(k)

$5,257

Personalized allocation adjustment

Betterment IRA

Automatic allocation adjustments, based on your desired retirement date

Average 401(k)

Allocations may be automated using a target-date fund or some other managed account setup, depending on account setup

Automatic rebalancing

Betterment IRA

Rebalancing based on threshold for drifting from the target allocation

Average 401(k)

Different 401(k) plans use to different approaches to automatic rebalancing

Asset location

Betterment IRA

Betterment distributes assets across your IRAs and taxable retirement accounts based on how their taxed

Average 401(k)

Asset location may be included in some 401(k) plans

Smart retirement withdrawals

Betterment IRA

Tax-efficient withdrawals from a Betterment IRA

Average 401(k)

Withdrawal process depends on your plan

Access to licensed financial experts

Betterment IRA

Access to financial professionals using Betterment’s mobile app or with Premium subscription

Average 401(k)

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.

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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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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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I am

years old and

  • Not Retired
  • 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.