We built a smarter way to invest

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 that’s catered to you.

Customized 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.

Automation and passive investing.

We recommend a globally-diversified, passive portfolio of 12 asset classes, tailored for your risk and time horizon. Years of research and Nobel Prize-winning Modern Portfolio Theory are the foundation of our proven investment method.

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

  • Ellie Lan

    Investment Analyst

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

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