Social Media Disclosures
Any statements made via Betterment social media sites are not intended as investment, tax, or legal advice. This content is not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Betterment is not registered. Investing in securities involves risk, and there is always the potential of losing money. Past performance is not a guarantee of future results. Betterment reserves the right to remove any comment that we deem to be an investment testimonial, spam, offensive or otherwise inappropriate. Betterment will not treat any social media post as a formal complaint.
Determination of largest independent robo-advisor reflects Betterment LLC’s distinction of having highest number of assets under management, based on Betterment’s review of assets self-reported in the SEC’s Form ADV, across Betterment’s survey of independent robo-advisor investing services. As used here, “independent” means that a robo-advisor has no affiliation with the financial products it recommends to its clients.
For more on this research, including additional considerations on the suitability of TCP to your circumstances, please see our white paper at (ADD LINK). For more information on these estimates and Tax-Coordinated Portfolio generally, see full disclosure at https://www.betterment.com/tcp-disclosures/.
The estimated additional annualized return of 0.48% assumes that the initial balance is equally distributed across three types of accounts: a taxable account, a tax-deferred account (such as a traditional IRA) and a tax-exempt account (such as a Roth IRA). They also assume a 70% allocation to stocks across the entire 30-year period, and a California resident in a 28% federal tax bracket both during the entire period, and at liquidation. The incremental return was calculated using the Monte Carlo projection method across more than 1,000 simulated market scenarios. It compared the total after-tax value of all three accounts when managed by TCP to the benchmark, which was the after-tax value of all the accounts under the same market scenarios, but uncoordinated (i.e. managed by Betterment separately, as standalone Betterment portfolios). As such, these projections make no claim about the value of Betterment’s service as compared to any particular non-Betterment investing strategy. Instead, they estimate specifically the value of the TCP service, as applied to Betterment’s baseline passive investing strategy. There are additional assumptions around these estimates, which are necessarily numerous and complex, due to the nature of this projection method. TCP may not be suitable for taxpayers subject to a Federal tax bracket of 15% or lower. You should not use TCP to coordinate accounts with different time horizons. TCP is not optimal for accounts which you rely on for liquidity in case of unforeseen circumstances.
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