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.

Advice across all of your wealth.

Sync your outside investment accounts.

The better we know you, the better advice we can give – which is why you can securely sync your outside investments to Betterment. You can see your total net worth in one place, and we can advise you on how much you're losing to fees and idle cash.

Customize your 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.

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.