Betterment is built to lower fees and seek higher returns.

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.

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.

Betterment's Tax Loss Harvesting+ algorithm maximizes your tax savings by uses alternate and tertiary tickers to help avoid wash sales.

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.

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.

Our investing may be automated, but we’re certainly not. We’re here for you via phone, email, and live chat.

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.