The financial services industry hasn't been looking out for you — but we are.

We built a smarter way to invest

We were built from the ground up to solve a major industry problem.

Most people don't receive good, trustworthy advice.

Many advisors get paid to recommend certain investments, so they recommend them - even if it’s not what’s best for their clients. This is a complete conflict of interest. And it can ultimately hurt you, the investor, by negatively impacting returns.

We don't get paid to recommend any funds.

That means there are no hidden fees. We only choose investments and make recommendations that we determine are best for you and your goals.

Our technology is built for lower fees, higher expected returns, and complete visibility.

We built our platform from scratch. That means we can help manage and grow your investments in a way that many traditional investment providers simply can’t.

  • Increase after-tax returns

    By automating many of the manual, time-consuming processes of traditional advisors, we aim to minimize your taxes and increase after-tax returns.

    How we minimize taxes >
  • Lower fees

    We use technology to minimize our costs and help maximize your savings. We also charge no trade or transaction fees, ever.

    Our pricing >
  • Easy to use

    With a focus on design and a better customer experience, we’ve created an interface that is clear, comprehensive, and easy to use.

  • Human support when you need it

    Our award-winning customer support team is available to you 7 days a week if you have any account questions.

    Contact us >

Historically better results.

The Betterment portfolio would have outperformed the average private client investor in almost all periods over the last decade.

A high-quality, low-cost, customer-service-oriented experience.

Lets sophisticated investors blend stocks and bonds in one easy-to-manage account.

Betterment's web-based platform has sophisticated and easy-to-use tools to build and manage a diversified investment portfolio.
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I am years old and
  • Not Retired
  • Retired
My annual income is .

Have peace of mind knowing your money is protected.

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

It's our legal duty to look out for your best interests.

As an SEC- and FINRA-regulated Broker Dealer, Betterment Securities follows a strict set of rules designed to protect our investors' accounts.

Better returns.

The Betterment portfolio is designed to achieve optimal returns at every level of risk. Through diversification, automated rebalancing, better behavior, and lower fees, Betterment customers can expect 4.30% higher returns than a typical DIY investor.

Featuring Tax Loss Harvesting+

Our Tax Loss Harvesting+ systematically finds embedded capital losses to lower investment taxes and increase after-tax returns.

Advice across all of your wealth.

Sync your outside investment accounts.

The better we know you, the better advice we can give – which is why you can securely sync your outside investments to Betterment. You can see your total net worth in one place, and we can advise you on how much you're losing to fees and idle cash.

Customize your portfolio allocation.

Each investment portfolio is designed to get customers optimal investor returns. Our goal-based investing framework and advice algorithm let customers know if they are on track to reach their investment goals like Retirement or a Safety Net Fund, in seconds.

Smarter automation means one less thing to think about.

  • Schedule Deposits

    Auto-deposits help keep your goals on track with scheduled, recurring deposits.
  • Invest Excess Cash

    SmartDeposit puts more of your money to work by automatically investing your excess cash.
  • Rebalance Efficiently

    Every time you make a deposit or receive dividends, we intelligently rebalance your portfolio.

A smarter investing experience on all devices.

  • Delightful Design

    We've been called "the Apple of Finance," in part because of our delightful UX. Use one login to access and manage multiple portfolios with our intuitive dashboard. We offer the flexibility to invest in taxable accounts, IRAs, and trusts.

  • End-to-end Investing

    By handling every part of the investment process we provide the best possible experience to customers. This means some of the fastest cash transfers in the industry, tax forms available at the earliest possible date, and tighter security because of less exposure to third-party risk.

  • Better Execution

    We put every cent of your money to work by purchasing fractional shares, which means no loss of performance due to holding cash. Ask any other online investment manager if they're able to do that.

Your investments are safe with Betterment.

Our investment experts constantly evaluate the best ways to put your money to work. Betterment portfolios are completely liquid, and you can access your money at any time.

  • Alex Benke, CFP®

    Holistic Financial Planning

  • Dan Egan, MsC

    Quantitative & Behavioral Finance

  • Lisa Huang, PhD

    Quantitative Portfolio Management

  • Rukun Vaidya

    Capital Markets & Trade Execution

Start an investment plan
I am years old and
  • Not Retired
  • Retired
My annual income is .

You're a smart investor. Now you've found a service that's right for you.

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