What we offer

Betterment investing app on laptop and phone
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


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

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


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

SEP, Traditional, Roth


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


Smart Saver

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

Individual Taxable


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.

How would you like to get started?

Your first step toward a smarter investing future starts here.

Create a Betterment account

Go ahead and join the smart, modern way to invest.

Select an investing goal

Answer a few questions, and we'll recommend a portfolio for you.

See what we can do for you

Tell us a bit about yourself, and we'll show you the benefits of investing with us.

Get a free investing checkup

Help us get a sense of your investing approach and see how you could improve.

Transfer a 401(k) or an IRA

Move an existing retirement account into a Betterment IRA.

Download the mobile app

Enjoy the Betterment experience anywhere on the go.


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