Invest in thousands of companies.
See a complete list of our stock ETFs and bond ETFs.
Goldman Sachs Smart Beta
Goldman Sachs Smart Beta portfolios seek to outperform the market while maintaining a diversified portfolio at a low cost.1 In addition to traditional passive funds, these portfolios can use Goldman’s ActiveBeta™ equity and Access Fixed Income funds, a suite of next generation ETFs designed to deliver stronger risk adjusted returns relative to traditional index products.
We serve one purpose: to help you make the most of your money.
We’re taking proven investment strategies that have been around for decades and using technology to make them more efficient. Our goal: to increase your long-term returns.
Unlimited access to personalized advice—anytime, anywhere.
Get personalized advice from licensed experts whenever you need it. We make tailored recommendations on decisions like how much to invest and how much risk to take on in your portfolio. Then, Betterment’s technology invests your money and helps lower taxes in ways many traditional investment services can’t match.
We work for you.
As your online financial advisor, we always have your back. We don’t get commissions for recommending funds, and we don’t have funds of our own. That means we do what we believe is right for you. While our technology constantly works to grow your money, our licensed experts are here to answer your questions—anytime, anywhere.
Get the returns you deserve.
Our approach to long-term investing can help you earn 2.66% more per year than a typical investor. Our technology helps make this possible by lowering taxes, lowering fees, diversifying your portfolio, and enabling better investor behavior.
Lean on your team of licensed experts.
Our technology helps you get the returns you deserve, and our licensed experts are here to talk if you need them. We don’t get paid to sell certain funds, and we don’t have funds of our own. That means we’ll do what we believe is right for you.
Monitor your financial accounts in one place.
Get a clear view of your net worth by syncing your outside accounts, such as bank accounts and other investments. You can also see how much your outside accounts are costing you in fees and uninvested cash.
Invest in a portfolio built on Nobel Prize-winning research.
Our investment philosophy is backed by decades of research that comes to an important conclusion: Over the long term, a diversified portfolio of low-cost index funds is likely to outperform a high-cost, actively managed portfolio.
BUILT ON NOBEL
PRIZE-WINNING
RESEARCH
The Betterment portfolio is a globally diversified mix of exchange-traded funds, chosen to help you earn better returns at various levels of risk. Read more about our selection methodology.
Schedule a free 15-minute call today.
We’ll help you get started and learn more about Betterment.
M-F 8am-5pm Eastern Time
800-336-1618 or +1-770-536-0309
Email Us
Read Frequently Asked Questions
The old way of managing money is broken.
When it comes to investing for the future, you’ve likely had a couple of options: You could do it yourself, or you could hand it off to an investment manager. The first can be tedious, time-consuming, and error-prone; the second has historically meant tolerating outdated technology and potential conflicts of interest.
YOU COME FIRST
We have one mission: To empower you to make the most of your money, so you can live better.
You deserve a better way to invest.
Jon Stein created Betterment because he believed that people’s money should work as hard for them as they worked to earn it. By combining proven investment strategies with technology that drives down costs, Jon believed that people would finally have a way to make the most of their money.
The new way of managing money puts you first.
We’re a fiduciary, which means we act in your best interests. We’re not incentivized to recommend certain funds, and we don’t have our own investment products to sell. That means we’ll do what we believe is right for you.
COULD YOU IMPROVE YOUR INVESTING APPROACH?
Now you can easily find out in five minutes. Betterment’s investment review helps assess your investment accounts, tax strategies, fees, and risk exposure.
Find out what you’re doing well, how you could improve, and where we might be able to help.
Low Costs
Expense ratios well below the industry average.
Low Taxes
Funds that are typically the most tax-efficient.
Optimal Risk
Exposure across domestic and international markets.
Allocate assets for optimal performance.
How your money is spread across stocks and bonds can impact your long-term returns. We’ll recommend how much risk to take on based on when you’ll need your money.
Invest across the world.
Your Betterment portfolio can benefit from growth in both developed and emerging markets, so you’re less exposed to the economy of any one country. Learn more.
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PLANS FOR EVERY INVESTOR
No additional trading fees.
We don’t charge you additional transaction fees to buy and sell securities.
No additional transfer fees.
There are no additional fees for depositing or withdrawing from your account.
Unlimited rebalancing.
We rebalance your portfolio efficiently and automatically – at no additional cost to you.
Satisfaction guaranteed.
We’re committed to providing our customers with a great investing experience.
Personalized financial advice
Know how much to invest, your recommended asset allocation, and more.
Low-cost, globally diversified investment portfolios
Invest in funds chosen to help maximize your money at various levels of risk.
Automatic rebalancing
Maintain your target allocation when the market causes it to shift.
Advanced tax-saving strategies
Automate tax loss harvesting and asset location to increase your after-tax returns.
Everything in one place
Sync external accounts to get a clear view of your money.
Reliable customer service
Contact our Customer Support Team available 7 days a week.
Access to licensed financial experts anytime, anywhere
Get unlimited access to licensed experts who can answer your financial questions.
All of the benefits of our Digital plan
In-depth advice on investments outside of Betterment
Create a plan for managing 401(k)s, real estate, and individual stocks.
Unlimited access to our CFP® professionals for guidance on life events
- Getting married? Make sure your goals are aligned, decide how to combine your money, set financial boundaries, and decide how to allocate your money across your retirement plans.
- Having a child? Save for college, prioritize family goals, select life insurance, and discuss your estate plan.
- Managing equity-based compensation? Understand your plan, walk through possible tax implications, and manage the potential risks.
- Retiring? Plan for your transition from saving to spending, and create a tax-smart withdrawal strategy.
Looking for a dedicated one-on-one relationship with a financial advisor?
Get matched with a pre-vetted CFP® professional who can provide comprehensive financial planning. Advisors may have minimum balance requirements, which typically begin at $100,000.
Enterprise License
Contact Us
For licensing across an entire firm with over 50 users.
Your happiness is our priority.
If you are not completely satisfied with your Betterment account, we will do everything we can to make it right, up to and including waiving Betterment’s management fees for 90 days.
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