Invest today and make the most of your money.

Betterment is an online financial advisor that brings you personalized portfolios and tax-smart technology, all for one low fee of 0.25%—a quarter of what you’d typically pay for advice.

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Tell us about your financial goals

Where are you in your financial life and what are you investing for? Dream vacation? Down payment? Retirement?

We’ll build you a personalized portfolio

Based on your answers, we’ll recommend an investing plan and use our technology to build you a personalized portfolio.

We’ll put our magic to work

Our smart technology helps minimize taxes and maximize take-home returns so you can make the most of your money.

Betterment portfolio on desktop and phone

Personalized advice based on your needs

Financial goals and life events tend to come with so many questions. Our tools, technology, and experts are here to help guide you along the way. After you answer a series of questions, we’ll make recommendations about risk level, amount to invest, and the right account to hold.

Our goal: To save you more on taxes than any other service

We're always thinking about ways to lower your taxes (and, thus, help you keep more of your money). Unlike many traditional investment managers, we automate advanced tax-saving strategies, like asset allocation and tax loss harvesting. Read more about our tax-saving strategies here.

Our commitment to you

The Betterment Satisfaction Guarantee

At Betterment, we’re committed to providing you with a great investing experience. If, for any reason, you aren’t completely satisfied with your Betterment account, we’ll do everything we can to make it right, up to and including waiving Betterment's management fees for the next 90 days.

Low management fees

We combine proven investment strategies with technology to drives down costs.

No additional trading fees

We don't charge you transaction fees to buy and sell securities.

No additional transfer fees

There are no fees for depositing or withdrawing from your account.

Unlimited rebalancing

We rebalance your portfolio efficiently and automatically—at no additional cost to you.

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Advertising provided by Betterment LLC, an SEC registered investment advisor. © 2018 Betterment LLC. Brokerage services provided to clients of Betterment LLC by Betterment Securities, an SEC-registered broker-dealer and member FINRA/SIPC. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and Betterment’s charges and expenses. All images shown are for illustrative purposes only. Investments: Not FDIC Insured • No Bank Guarantee • May Lose Value. To qualify for 1 month free of management fees, you must fund an account with at least $15,000 within 45 days of signup. To qualify for 6 months free of management fees, you must fund an account with at least $100,000 within 45 days of signup. To qualify for one year free of management fees, you must fund an account with $250,000 within 45 days of signup. Your participation is subject to the following terms and conditions: This promotion is not valid with any other offers and is non-transferable. Offer available to U.S. Residents only. This offer is available to new customers opening accounts on the Betterment retail platform, and does not apply to accounts opened or held through the Betterment For Advisors or Betterment For Business platforms. This offer does not apply to any fees charged by an Advisor you are matched with through the Betterment Advisor Network. Betterment reserves the right to terminate this offer at any time, to limit account bonuses you are eligible to receive, and to refuse or recover any promotion award if Betterment determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, or that any terms of the Betterment Account Agreements have been violated. Free time applies only to management fees charged by Betterment for investment advisory services and does not include any fees and expenses charged to shareholders by the funds held in your Betterment account. Please see additional information at

* Based on PriceMetrix State of Wealth Management 2015 report.


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