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Make the Most of Your Money

The Betterment portfolio is designed to achieve optimal returns for your investment goals. Through diversification, automated rebalancing, better behavioral guardrails, and low fees, the Betterment approach to investing can help generate 2.66% higher returns than the typical DIY investor.

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Around-the-clock access

Financial experts, at your fingertips.

Securely send your questions to our licensed financial experts, and get actionable answers and advice. Your team can answer questions about investing, retirement, tax planning, college savings, mortgages, and other debt.

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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We'll do what's right for you

Our technology helps you earn better returns, and our CFP® professionals and licensed experts are here to talk if you need them. Betterment is a fiduciary and we don't get paid to sell certain funds. We regularly monitor our investment selections to help provide optimal returns at various levels of risk.

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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 days2.

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Start investing smarter.

At Betterment, we combine low fees and innovative technology with an intuitive interface and personalized advice to provide the best possible returns on your investment. Don't wait to experience smarter investing – open an account with Betterment today.

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Your satisfaction is guaranteed. It's our commitment to you. Learn more.

Member of Securities Investor Protection Corporation

Betterment Securities is a member of SIPC. Securities in your account protected up to $500,000. For details, please see

Looking out for investors' accounts is a legal duty.

Regulated by the SEC and a member of FINRA, our Broker-Dealer, Betterment Securities, follows a strict set of rules, designed to protect our investors' accounts.

1 Based on PriceMetrix State of Wealth Management 2015 report.

2 If 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 for an upcoming period of 90 days. This guarantee only applies to the fees charged by Betterment. 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.