What we offer

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Investing Solutions

Smarter solutions for your investing needs.

Smart investors focus on what they can control such as financial planning, tax-efficient strategies, and investing for specific goals. With Betterment we offer solutions and accounts that help you outsmart the average investor.

Personalized guidance

Retiring, buying a home, having a child—these are exciting life moments that come with so many financial questions. Our tools and experts are here to help guide you along the way.

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Tax-Smart Investing

Other investment managers may estimate your long-term returns, but they might not be factoring in a key element that could lower what you take home: taxes.

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Retirement Planning

We work now to help you stop working later. Tell us when and where you want to retire, and how much you’ve saved so far. We’ll help give you a sense of where you stand and guide you on the path forward.

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Cash Management

Can your cash be doing more? We help you maximize your cash through smart automation of deposits, withdrawals, and low-risk investing accounts.

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Our investing accounts

We have a selection of account types to suit multiple financial goals.

Personal investing

Useful for a variety of investment purposes, this account has no contribution limit and follows standard tax rules.

Individual taxable

Rollovers

Roll over a 401(k) from a previous employer to a Betterment IRA.

Traditional IRA, Roth IRA, 401(k), 403(b)

IRAs

A retirement account that benefits from tax-deferred growth, but has an annual contribution limit.

SEP, Traditional, Roth

Trust

For people who want to move an existing trust to Betterment.

Trust

Smart Saver

You could earn 2.00% with our low-risk investing account for your extra cash.

Individual Taxable

Joint

Similar to individual taxable, but designed for couples or family members who want to share ownership of a single account.

Joint taxable

Business Solutions

Looking for smarter business solutions?

Betterment for Business

Tired of the antiquated 401(k) provided by your employer? Point your benefits team to Betterment for Business - our 401(k) service for employers and their employees.

Betterment for Advisors

Are you an advisor yourself? See how Betterment for Advisors helps advisors use our technology to maximize clients’ money.

Explore your first goal

Safety Net

This is a great place to start—an emergency fund for life's unplanned hiccups. A safety net is a conservative portfolio.

Retirement

Whether it's a long way off or just around the corner, we'll help you save for the retirement you deserve.

General Investing

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.

Smart Saver

You could earn 20X more than a typical savings account with our low-risk investing account for your extra cash.

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