Grow your money tax-free with a Roth IRA

A Betterment Roth IRA is a great way to save for retirement beyond the 401(k). It allows tax-free growth on your investment if you make less than $139K ($206K if you file jointly).

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Why save with a Betterment IRA?

We make saving for retirement easy and optimized for your needs—from choosing the right IRA to low fees to multiple investment options.

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  • We put your best interest first.

    As a fiduciary, we're obligated to put your best interest ahead of our own. Which is just the way we like it. What a fiduciary means.

  • Trading managed for you.

    We handle all the rebalancing and dividend reinvesting you'd do manually with an online broker, saving you valuable time. Experience our technology.

  • Choose from multiple investing portfolios.

    Pick from multiple expert-built portfolios, from Socially Responsible Investing to Innovative Technology. See portfolio options.

A smart move no matter how much (or little) you think about retirement.

A Roth IRA allows your money to grow tax-free. We can create a plan to help you take advantage of this benefit by projecting your future income needs and showing you how you can save.

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The easiest way to save for the long term is to automate it.

Set recurring deposits and our technology is designed to ensure you don't contribute beyond annual IRA limits.

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Sit back and relax because Roth IRAs are flexible.

Because you contribute to a Roth IRA on an after-tax basis, the federal government allows greater flexibility for making withdrawals before retirement.

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  • There are no tax penalties for withdrawing your deposits.

    But you'll hit a 10% penalty on withdrawing any earnings before age 59½, so we still recommend keeping a separate emergency fund.

  • You can use up to $10,000 of earnings for a home down payment.

    After 5 years of having a Roth IRA, you can withdraw earnings penalty-free if you're a first-time homebuyer.

  • You can convert traditional IRAs and 401(k) plans into your Roth IRA.

    This can be a smart move for anyone who has accrued savings but would rather pay taxes now instead of once they're retired.

Save the tax-smart way with a Roth IRA.

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Top questions about Roth IRAs

  • How do I pick between Roth IRA and a traditional IRA?

  • What other retirement accounts does Betterment offer?

  • How do I roll over funds to start my IRA?

  • How do IRAs work with Betterment's goal-based investment system?