Betterment is built to lower fees and seek higher returns.
We combine personalized advice from licensed financial experts with modern, intuitive technology to help you invest smarter—all for one low, transparent fee.Sign Up Now
Portfolio of Exchange-Traded Funds
Roth, Traditional and SEP IRAs
Easy Access to Funds
We let you access your money when you need it. There is never a minimum or maximum withdrawal limit and you can do everything online, on your schedule – no need to call in. Remember withdrawals usually take 4-5 business days.
(must call to withdraw)
Connect with an Expert
Get personalized advice from licensed financial experts directly from your mobile app anytime, anywhere.
We provide some of the fastest transactions in the automated investment management industry. If a transfer request from your linked bank account is received before 11 PM ET, it should be invested the next trading day. Many others take at least 2 days to put money to work.
A Betterment customer’s trades and resulting positions can be fractional, down to 1/1,000,000th of a share, putting every penny to work while allowing every investing goal to be perfectly diversified according to its target allocation.
If you are investing in multiple accounts, Betterment's Tax-Coordinated Portfolio™ optimizes and automates a sophisticated investing strategy known as asset location to help increase your after-tax returns.
Automated, Tax Loss Harvesting
Betterment's Tax Loss Harvesting+ algorithm maximizes your tax savings by uses alternate and tertiary tickers to help avoid wash sales.
$500 minimum to open account
Socially Responsible Investing
Our Socially Responsible Investing (SRI) portfolio helps you invest in a low-cost, globally diversified portfolio that reduces your exposure to companies that don't meet certain social, environmental, and governance criteria.
Betterment's SmartDeposit feature helps you invest your excess cash automatically — even if you have variable income. This helps you maintain the liquidity you need in your checking account, while making sure that every other dollar is put to work. If you ever need some extra cash, access your money with no additional withdrawal fees. Remember that withdrawals usually take 4-5 business days.
We have some of the fastest rollovers in the industry, and for many, the process is completely paperless.
Smart Retirement Withdrawal Tool
When you're ready to retire, we provide personalized advice for how much to withdraw to help ensure your savings can meet your goals. Our advice changes dynamically based on the market, we make the calculation so you don’t have to. We can also set up automatic withdrawals that are sent directly to your linked bank account.
Support 7 Days a Week – Live Chat, Phone and Email
Our investing may be automated, but we’re certainly not. We’re here for you via phone, email, and live chat.
Additional Service Plans
We have additional plans that allow you to receive unlimited access to our CFP® professionals for guidance on life events and investments outside of Betterment by phone or over email, whatever is more convenient for you.
Private Client Plan
Explore your first goal
This is a great place to start—an emergency fund for life's unplanned hiccups. A safety net is a conservative portfolio.
Whether it's a long way off or just around the corner, we'll help you save for the retirement you deserve.
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.
How would you like to get started?
Your first step toward a smarter investing future starts here.
Create a Betterment account
Go ahead and join the smart, modern way to invest.
See what we can do for you
Tell us a bit about yourself, and we'll show you the benefits of investing with us.
Get a free investing checkup
Help us get a sense of your investing approach and see how you could improve.
Transfer a 401(k) or an IRA
Move an existing retirement account into a Betterment IRA.
Download the mobile app
Enjoy the Betterment experience anywhere on the go.