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EARN 1% MATCH ON YOUR IRA



Make saving for retirement easy with an IRA. We’ll match 1% of your net Roth and
traditional IRA contributions until December 30, 2024. Conditions apply. See
offer terms.

Learn more


SPECIAL TAX BENEFITS.

IRAs offer tax breaks to let your money grow and compound faster than it would
in a taxable account.


AUTOMATED TECHNOLOGY.

We make investing easy by putting it on autopilot, handling all the trading,
rebalancing, and dividend reinvesting.


RETIREMENT TOOLS.

We build you a personalized plan, calculate how much to save, and adjust as life
changes.

Get started

Arch illustration - desktop Arch illustration - mobile


PICK FROM OUR TAX-ADVANTAGED IRAS TO MEET YOUR FINANCIAL SITUATION.


Each type of IRA has distinct tax benefits. We can help you choose the right one
for you.


 * TRADITIONAL IRA
   
   Get your tax break up front and pay no taxes until you withdraw.


 * ROTH IRA
   
   Money goes in already taxed so growth and withdrawals are tax-free.
   
   Learn more


 * SEP IRA
   
   A traditional IRA for self-employed people and small-business owners.

Get started


HAVE AN OLD 401(K) OR IRA? WE CAN HELP ROLL THEM OVER EASILY.

Moving your retirement accounts into a Betterment IRA allows you to manage your
money in one place and can save you on high fees. If you’re looking to roll over
at least $20k, you can talk with an advisor about it for free.



Learn more ➔


Betterment’s Licensed Concierge Team offers support for individuals transferring
assets to Betterment of $20,000 or more, and receives incentive compensation
based on assets brought to or invested with Betterment. Betterment’s revenue
varies for different offerings (e.g., Betterment Digital and Premium, Cash
Reserve) and consequently Team members have an incentive to recommend the
offering which results in the greatest revenue for Betterment. The marketing and
solicitation activities of these individuals are supervised by Betterment to
ensure that these individuals act in the client’s best interest.


LOWER FEES TODAY CAN MEAN MORE MONEY TOMORROW.

A 401(k) with even a modest fee may cost you tens of thousands of dollars over
time. The savings from rolling into a managed Betterment IRA of low-cost
exchange-traded funds (ETFs) can add up to a more comfortable retirement.


--------------------------------------------------------------------------------

Assumed 0.25% management fee with hypothetical 6% annual return. Image to
illustrate the potential impact of fees on performance and does not reflect the
performance of Betterment.
Get started


GET PERSONALIZED ADVICE 
ON YOUR RETIREMENT.

We offer hands-on guidance from our team of experts to help bring clarity and
confidence to your retirement.

0.65% annual fee. Minimum balance required.

Learn more ➔





IRAS COME WITH QUESTIONS. WE’RE HERE WITH ANSWERS.

 * What is an IRA? Caret Down Icon
   An IRA (individual retirement account) is a personal investment account the
   government created to help you save for retirement.
 * Do I want a traditional or Roth IRA? Caret Down Icon
   The difference mainly comes down to how and when you’re taxed. A Roth IRA
   might be a good choice if you expect your future tax rate to be higher. This
   is especially true when you're early in your career and anticipate earning
   more in the future. Paying taxes on your Roth contributions now can help you
   avoid a larger tax bill during retirement.
   
   On the other hand, if you think your future taxes will be lower, a
   traditional IRA might be better. You also have an upfront tax deduction,
   which if you’re eligible, means more money to invest now.
 * What’s a Roth conversion? Caret Down Icon
   There are income limits to restrict high earners from contributing to a Roth
   IRA. However, you can use a "back door" conversion to move your money into a
   Roth IRA. We can help you make this Roth conversion to take advantage of
   tax-free growth.
 * What does it cost? Caret Down Icon
   
   For just $4 a month or 0.25% annually, you get all the benefits of our
   automated technology: hands-off investing, expert-built portfolios, and
   guidance to help you grow your retirement.
   
   Learn more about pricing

 * What’s a SEP IRA? Caret Down Icon
   A SEP IRA is a type of retirement plan for those who are self-employed or who
   are small business owners.
 * Am I eligible for an IRA? Caret Down Icon
   
   There is no minimum age requirement to open either a traditional or Roth IRA,
   but you must have earned income.
   
   There are no income limits for a traditional IRA. However, when considering a
   Roth IRA, your income plays a role in determining your contribution
   eligibility.
   
   In 2024, single tax filers aiming to contribute to a Roth IRA must have a
   modified adjusted gross income below $146,000.
   
   If married and filing jointly, your joint modified adjusted gross income must
   be under $230,000 in 2024.

 * What's the contribution limit for an IRA? Caret Down Icon
   
   In 2024, the annual contribution limit for both Roth and traditional IRAs is
   $7,000 for those under 50, and $8,000 for those 50 and above.
   
   You can still contribute to your 2023 traditional and Roth IRA up to $6,500 a
   year if you're under 50, or $7,500 if you're 50 or older until April 15,
   2024.

Triangle illustration


BOOST YOUR RETIREMENT WITH AN IRA.



Get started





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The APY Boost promotion is only available to clients who upgrade to Betterment
Premium services on or after April 25, 2024, as described in the Premium
Services Terms & Conditions. If you upgrade, your Cash Reserve rate will be
increased by 0.25% on top of the current standard Cash Reserve rate (“APY
Boost”) during the period of time that you maintain the Premium $100,000 Account
Threshold and receive Premium Services (the “promotional period”). The Cash
Reserve Rate is currently 4.50% but is subject to change, including during the
promotional period. For example, if the standard Cash Reserve Rate decreases
during the promotional period, your promotional rate will also decrease. Please
note that the Cash Reserve APY is variable and only applies to Cash Reserve
accounts or Cash Reserve goals, not investments. If you fail to maintain the
Account Threshold and/or elect to discontinue Premium Services, your interest
rate will return to the standard Cash Reserve rate at that time. If you elect to
exclude Cash Reserve deposits from one or more participating Program Banks,
Betterment is unable to guarantee you will receive the APY Boost regardless of
whether you continue to qualify as a Betterment Premium client. 

The APY Boost promotion is not valid with any other offers, and it is
non-transferable. Offer available to U.S. Residents only. Accounts advised
through the Betterment for Advisors platform and balances held in 401(k) plans
managed by Betterment at Work are excluded from this offer. Betterment reserves
the right to terminate the APY Boost at any time, to limit account bonuses you
are eligible to receive, and to refuse or recover any promotion award if
Betterment determines that it was obtained under wrongful or fraudulent
circumstances, that inaccurate or incomplete information was provided in opening
the account, or that any terms of the Betterment Client Agreements or Premium
Services Terms & Conditions have been violated.

This content is intended solely for marketing and educational purposes. It does
not address the details of your personal situation and is not intended to be an
individualized recommendation that you take any particular action, including
rolling over an existing account. When deciding whether to roll over a
retirement account, you should carefully consider your personal situation and
preferences, including: available investment options, fees and expenses for each
option, services, withdrawal penalties, protections from creditors and legal
judgments, required minimum distributions, and treatment of employer stock.
Before deciding to roll over, you should research the details of your current
retirement account, your current fees and expenses, and consult tax and other
advisors with any questions about your personal situation. Please review our
Form CRS relationship summary and other disclosures.

If you currently participate in a 401(k) plan administered or advised by
Betterment (or its affiliate), please understand that this content is part of a
general offering and that neither Betterment nor any of its affiliates are
acting as a fiduciary, or providing investment advice or recommendations, with
respect to your decision to roll over assets in your 401(k) account or any other
retirement account.



This experience and any marketing of the experience are provided by Betterment
LLC. To the extent that there is marketing related to Betterment Checking, it is
provided by Betterment Financial LLC.

The articles and client support materials available are educational only and not
investment or tax advice.

We want you to know a few things:  

Who Provides What Service?

Investment Advice: Advisory services for traditional investments (e.g., ETFs)
and digital assets are provided by Betterment LLC, an SEC-registered investment
adviser. Betterment LLC also offers the Betterment Cash Reserve product.
Betterment LLC does not require clients to maintain a minimum investment account
balance. However, accounts below a certain balance may have certain
restrictions. For more information, please see additional disclosure.

Traditional Investment Brokerage Services & Custody: Brokerage services are
provided to clients of Betterment LLC by Betterment Securities, an
SEC-registered broker-dealer and member of FINRA /SIPC, and Apex Clearing
Corporation, a third-party SEC registered broker-dealer and member FINRA/SIPC.

Digital Asset Trading Services & Custody: Digital asset trading services and
custody are provided by Gemini Trust Company, LLC.  For further details
regarding the custody of assets, including cash, held at Gemini Trust Company,
please see your Gemini user agreement.

Betterment Checking: Betterment Checking is made available through Betterment
Financial LLC. Checking accounts and the Betterment Visa Debit Card provided by
and issued by nbkc bank, Member FDIC. Neither Betterment LLC nor Betterment
Financial LLC, nor any of their affiliates, is a bank.

Let’s Talk About Risk:

Investing involves risk and there is the potential of losing money when you
invest in securities and digital assets. Past performance does not guarantee
future results and the likelihood of investment outcomes are hypothetical in
nature.

Investments in securities and digital assets are: Not FDIC Insured • Not Bank
Guaranteed • May Lose Value. 

Furthermore, investing in digital assets is highly speculative and volatile, and
only suitable for investors who are able to bear the risk of potential loss and
experience sharp drawdowns. Digital assets are not legal tender and are not
backed by the U.S. government. Digital assets are not subject to SIPC
protections.

Before investing, consider your investment objectives and Betterment LLC's fees
and expenses. Betterment LLC's internet-based advisory services are designed to
assist clients in achieving discrete financial goals. They are not intended to
provide comprehensive tax advice or financial planning with respect to every
aspect of a client's financial situation and do not incorporate specific
investments that clients hold elsewhere. For more details, see Betterment’s Form
CRS, Form ADV Part II and other disclosures.

Not an offer, solicitation of an offer, or advice to buy or sell securities in
jurisdictions where Betterment LLC is not registered.

Who Provides the Market Data?

Market Data by Xignite. Fund data © 2022 Morningstar. All Rights Reserved. The
information contained herein: (1) is proprietary to Morningstar and/or its
content providers; (2) may not be copied or distributed; and  (3) is not
warranted to be accurate, complete or timely. Neither Morningstar nor its
content providers are responsible for any damages or losses arising from any use
of this information.

You are viewing a web property located at Betterment.com. Different properties
may be provided by a different entity with different marketing standards.

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accuracy, reliability or opinions expressed in a third-party website, to which a
published article links (a “linked website”). Such linked websites are not
monitored, investigated, or checked for accuracy or completeness by Betterment.
It is your responsibility to evaluate the accuracy, reliability, timeliness and
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without warranty of any kind, express or implied, including, but not limited to,
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non-infringement, security, or accuracy. If Betterment has a relationship or
affiliation with the author or content, it will note this in additional
disclosure.

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