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, the Betterment approach to investing can help generate 2.9% 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.

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 >

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.


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

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Roll over a pre-existing account

Transfer a 401(k), IRA or other retirement account

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Find out what Betterment can do for you

See what we can do to help maximize your money

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Member of Securities Investor Protection Corporation

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

Looking out for investors' accounts is a legal duty.

Regulated by the SEC and a member of FINRA, our Broker-Dealer, Betterment Securities, follows a strict set of rules, designed to protect our investors' accounts.