Where Betterment shines. Lots to like: Betterment offers multiple portfolio options, has a low minimum investment, and charges a very reasonable annual management fee of just 0.25% for those who qualify. Otherwise, it's $4 per month. Fractional shares: Fractional shares mean all your cash is invested.

The default state for the Betterment Core Portfolio Strategy is an allocation of 70% stocks / 30% bonds in a tax-deferred portfolio, representing a moderate state for a long-term investment in an IRA or 401(k) plan.

Betterment offers free deposits and withdrawals. Betterment has also been expanding its services to other investment accounts. You can open a 529 plan to invest for future college expenses with tax advantages. Betterment also works with employers to offer its portfolios through 401(k) plans.

Checking accounts and the Betterment Visa Debit Card provided by and issued by nbkc bank, Member FDIC. Funds deposited into Checking are FDIC-insured up to $250k for individual accounts and up to $250k per depositor for joint accounts. Betterment Checking made available through Betterment Financial LLC.

Vanguard has a slightly lower cost (although we wouldn't call either of them expensive). Betterment has several features that Vanguard doesn't, and these can be valuable to some investors. For example, Betterment offers tax-loss harvesting capability. This can translate into major tax savings for high-balance accounts.

Betterment is built to help you achieve what you want with your money. Invest with an automated, expert-built portfolio. Save with a high-interest cash account, earning 4.75% APY* (variable) with up to $2 million† in FDIC insurance at our program banks.

Betterment helps you manage your money through cash management, guided investing, and retirement planning. We are a fiduciary, which means we act in your best interest. We'll ask a bit about you when you sign up. We'll also gather information when you connect your outside accounts.

Examples of betterment You are hoping that anything you do is for the betterment. Let's help each other out for the betterment of this community! So, whose responsibility is it to teach our children to leverage these mega powerful tools for their own betterment?

Benefits of Investing

• Potential for long-term returns.
• Outperform inflation.
• Provide a regular income.
• Tailor to your changing needs.
• Invest to fit your financial circumstances.

The answer is an unequivocal yes. When you manage your investments through Betterment, all the assets and securities in your portfolio are strictly under your ownership. Additionally, your personal investment money and Betterment's company's funds remain separate for the entirety of your membership.

Neither Betterment LLC nor any of its affiliates is a bank. Through Cash Reserve, clients' funds are deposited into one or more banks ("Program Banks") where the funds earn a variable interest rate and are eligible for FDIC insurance.

Many Betterment portfolios are globally-diversified, making the MSCI All Country World Index (ACWI) a better benchmark than the S&P 500. The ACWI covers 47 global markets in both developed and emerging economies, representing 99% of the investable global equity market.