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Betterment

Save, invest, retire

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What you get when you invest with us

What you get when you invest with us

  • Strategy built on Nobel Prize-winning research to help you earn better returns

  • Investments diversified across the globe to benefit from multiple markets

  • Low cost with no additional fees, and expense ratios well below industry average

  • Personalized digital advice on how to invest based on your goal

We’ll help you set an investing strategy for every goal.

  • Let us know how much you want to save and by when

  • We’ll recommend a stock-and-bond allocation based on your goal

  • As you near your goal’s due date, we’ll adjust your allocation to reduce risk

  • Easily adjust your allocation yourself, or even build a custom portfolio

Set your first goal

Our portfolios are designed to help you build wealth.

Our strategies diversify your investments across the globe to optimize returns. You can review any investment strategy’s historical performance before you select it, and you’ll always be able to see your goal’s performance in your account.

See historical performance

Invest in the entire market— not just a single stock.

A portfolio is how you choose to invest. For every goal you set with Betterment, we’ll help you customize your portfolio based on your time horizon, risk tolerance, and more. See your portfolio options below.

Invest in the entire market— not just a single stock.

Learn more about our general investing offerings, which can be compared to a global market index.

Betterment Core Portfolio

Recommended portfolio strategy focused on global diversification with low-cost, tax-efficient ETFs

Learn more about our core portfolio

Goldman Sachs Smart Beta

Aims to outperform market-capitalization portfolios with Goldman Sachs ETFs

Explore this portfolio’s risks and returns

Choose from our Socially Responsible Investing Portfolios.

Broad Impact Portfolio

Includes ETFs with high ESG ratings and weighs criteria equally to keep investments balanced

Learn more about values-based investing

Climate Impact Portfolio

Includes climate-conscious ETFs that support companies with lower carbon emissions and helps fund green projects

Get more details on the ETFs included

Social Impact Portfolio

Includes two ETFs that support minority empowerment and gender diversity in the workplace

Learn about the NACP and SHE funds included

For a lower-risk approach, try an all-cash or all-bond option.

Betterment Cash

Cash-only strategy, with money held in our program bank network earning a variable interest rate of

Get FDIC insurance, unlimited transfers, and more

BlackRock Target Income

Bond-only strategy that avoids stock market volatility by focusing on bond income rather than market returns

Explore this portfolio’s different risk levels

Learn more about our general investing offerings

Choose from our Socially Responsible Investing Portfolios

For a lower-risk approach, try an all-cash or all-bond option.

Looking for more control over your portfolio?

With our Flexible Portfolio options, you can adjust the weights of individual asset classes or choose not to invest in certain geographies or bond classes.

Frequently asked questions