Smart Beta

Investing

We've extended access to Goldman Sachs' Smart Beta Portfolio Strategy which seeks the opportunity to outperform the market while retaining a diversified portfolio at a low cost2.

built by

Goldman Sachs Asset Management

Focus on performance drivers

In addition to traditional passive funds, the Goldman Sachs Smart Beta Portfolio strategy funds weight stocks based on four factors: good value, strong momentum, high quality, and low volatility — all to help you make the most of your money.

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Skillfully crafted by Goldman Sachs

The portfolio is constructed and monitored by Goldman Sachs' quantitative investment management team of over 100 portfolio management and research professionals around the globe3.

Low, transparent fees

Betterment charges one low annual fee of 0.25% for our digital plan. This fee includes access to our tax-efficient investing features, online investment advice, and customer support 7 days a week. There is no minimum to invest and there are no additional trading, transfer, or rebalancing fees.

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The Betterment Satisfaction Guarantee

At Betterment, we are committed to providing our customers with a great investing experience. If, for any reason, you are not completely satisfied with your Betterment account, we will do everything we can to make it right, up to and including waiving Betterment's management fees for the next 90 days1.

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.

Are you on track for retirement?

Try our retirement calculator to see if you're retirement-ready.

Could your 401(k) be worth more?

Learn how rolling over an average 401(k) to a Betterment IRA could mean 60% lower fees.

Want more retirement guidance?

Read the latest on investing for retirement on our Resource Center.

1If for any reason you are not completely satisfied with Betterment's services, at your request Betterment will waive its asset‑based advisory and brokerage fees on your investment accounts for an upcoming period of 90 days. This guarantee only applies to the fees charged by Betterment and does not apply to cash held in Betterment Everyday Cash Reserve. No other fees, expenses, or market losses will be waived or reimbursed under this guarantee, including, but not limited to, the fees charged by issuers of particular securities and the fees charged by third-party advisors in the Betterment Advisor Network. Betterment reserves the right to discontinue or modify this guarantee in the future at any time in its sole discretion. This guarantee does not apply to accounts held through the Betterment for Advisors or Betterment for Business platforms.

2 Expense ratios range from 0.11% to 0.24%.

3 Global Portfolio Solutions is GSAM's multi-asset class investing team. Source: GSAM Global Portfolio Solutions. Personnel as of 8/31/2017. Diversification does not protect an investor from market risk and does not ensure a profit. There is no guarantee that these objectives will be met.