Betterment - Invest & save better

Enhance your investing and saving strategies with Betterment. With so many investing applications available, you may question why this one stands out. The answer is straightforward: Betterment functions as a robo-advisor designed to optimize your financial experience. Whether you’re just beginning your investment journey or are an experienced market participant, our platform tailors to your unique requirements. Join over 900,000 users who trust us with more than $50 billion in assets.

As a digital investment advisory and fiduciary entity, Betterment is dedicated to maximizing your financial well-being for a better quality of life. There’s no minimum balance requirement, allowing you to initiate your investment with as little as $10 in just a few minutes. You can effortlessly manage your finances, tracking both short-term and long-term savings objectives through our user-friendly application.

NEW CUSTOMERS CAN ENJOY A 4.50% VARIABLE APY*

- Qualify for an additional 0.50% APY* with eligible deposits, nearly 11 times** the national average.

- Safeguard your earnings with FDIC insurance up to $2 million† at our partner banks, subject to specific criteria. Please note that Betterment is not a banking institution.

INVEST NOW AND POTENTIALLY RECEIVE UP TO $1,000

New investors may qualify for up to $1,000 through eligible deposits or rollovers.

Open any individual investing account (which includes Roth or traditional IRA options) to make a qualifying deposit or rollover and earn bonus funds from us. Your potential rewards increase with your investment amount.

EXPERT-CURATED PORTFOLIOS FOR MARKET NAVIGATION

- Tailor your stock-and-bond risk exposure with professional recommendations.

- Choose from our specially curated ETFs portfolios, such as Innovative Tech, Goldman Sachs Smart Beta, or socially responsible options like Broad, Social, or Climate Impact portfolios.

- Interested in a bond-focused strategy? Check out our BlackRock Target Income portfolio or Goldman Sachs Tax-Smart Bond portfolio for potential higher returns with reduced risk compared to equities.

INVEST USING OPTIMIZING TECHNOLOGY

- Benefit from automatic portfolio rebalancing and dividend reinvestment.

- Minimize your tax burdens with automated features like tax-loss harvesting and inter-account tax coordination.

- Set up recurring contributions based on your preferred schedule.

- Need assistance? Explore our expert resources or consult our financial advisors!

KEEP MORE OF YOUR EARNINGS

- Invest with us for only $4/month, or choose an annual fee of 0.25% on your investment balance when you:

- Maintain a combined balance of $20,000 or more across accounts, or

- Establish monthly recurring deposits of $250 or more into any account.

- Upgrade to Premium for unlimited advisor access at a rate of just .65% of your invested assets—considerably less costly than traditional advisors.

- Our team comprises CERTIFIED FINANCIAL PLANNER™ professionals who are salaried and commission-free, ensuring you receive lower management fees.

TURN LIFE ASPIRATIONS INTO FINANCIAL GOALS

- Manage your daily expenses effectively and enjoy cashback with Checking.

- Save for personal items like an exercise bike or your next holiday.

- Go beyond traditional retirement accounts with an IRA.

- Utilize our projection tools to map out a financial strategy.

- Calculate how to meet your goals using our goal forecasting feature.

GAIN A COMPREHENSIVE VIEW OF YOUR FINANCES

- Access our all-inclusive financial dashboard.

- Link external accounts, monitor your net worth, and assess your investment performance—all conveniently located in a single interface.

How is Betterment different?

Traditionally, people have manually managed their money and investments, which can be a very time consuming and painful process, or they've paid very costly fees to have access to financial advisors and advanced investment strategies.

You may be a first-time investor just starting out, a seasoned investor wondering if you could be doing better, or a retiree thinking about ways to make your nest egg last. For those seeking an alternative to expensive advisor fees or the labor-intensive process of managing one's own investments, Betterment offers an alternative.

Betterment's portfolio is designed to help customers achieve optimal returns at each level of risk from their investments.

We use a variety of strategies, using technology, to help investors keep as much of those returns as possible.

We strive to offer a great user experience and design our technology to be friendly and accessible. Everyone has questions regarding financial services, but a lot of people are embarrassed to ask those questions. Through Betterment, you can ask questions and receive help from our customer support team. You can also access financial experts and receive advice by upgrading to our Premium plan or scheduling a call with our Licensed Concierge team.

How does Betterment compare to other financial companies?

We like to point to three major ways we're focused on the customer:

We're a fiduciary—we are required to act in your best interest and we're required to disclose any potential conflict of interest. For instance, Betterment does not have or recommend any Betterment-created funds for its client portfolios

Our platform combines powerful technology with personalized advice developed by our passionate team of experts. When you have questions, our Customer Support team is ready to help you with account questions and troubleshooting.

We give you the opportunity to connect your external accounts to see a fuller financial picture in one place as part of Betterment's low cost.