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Earn 1% IRA match on traditional and/or Roth IRA contributions now until Dec 30,
2024. Terms apply.  Learn more

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INVESTING SHOULD ALWAYS BE THIS EASY

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EXPERT-BUILT PORTFOLIOS.

Invest like a pro with diversified portfolios (and skip the hassle of picking
stocks).


TAX-EFFICIENT INVESTING.

Strategies like Tax Loss Harvesting+ and asset location help minimize your taxes
and maximize your returns. 


ONGOING OPTIMIZATION.

We continually monitor your investments, rebalance your portfolio, and reinvest
your dividends.


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INVESTING FOR YOU, MANAGED BY US.


1. TELL US A LITTLE BIT ABOUT YOURSELF.

Everyone’s financial situation is different. Get personal recommendations based
on what you want to accomplish, whether that’s retirement or simply building
wealth.


2. CHOOSE HOW YOU WANT TO INVEST.

Pick one of our diversified portfolios that interests you. They’re built by
experts using low-cost exchange-traded funds.


3. WE PUT YOUR MONEY TO WORK.

Automated trading, rebalancing, and dividend reinvestment, we put our technology
behind every dollar you invest.


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THERE’S MORE TO INVESTING THAN JUST RETIREMENT.


Investing means aligning money with something meaningful to you. Whatever your
dreams are, you can use our technology and expertise to help make them a
reality.


 * PAY FOR A WEDDING


 * SAVE FOR EDUCATION


 * BUY A HOME


 * BUILD WEALTH


WHAT CUSTOMERS SAY ABOUT INVESTING AT BETTERMENT:

 * "Saves the stress and hassle of handling retirement savings myself."
   
   
   David S.

 * "I trust the automated algorithms better than my picks."
   
   Eric K.

 * "It's a good "set-it-and-forget-it" investing tool for my family."
   
   Casey M.

Non-paid client of Betterment. Views may not be representative, see more reviews
at the App Store and Google Play Store.


ALWAYS ACTING IN YOUR BEST INTEREST.


We can’t control the ups and downs of the market, but you can have confidence
we’re doing right by you and your investments. 


 * WE’RE A FIDUCIARY.
   
   We are an SEC-registered investment advisor, which means we’re legally bound
   to put your interests first when investing your money.
   Learn more


 * SIPC COVERAGE UP TO $500K.
   
   Member of SIPC, which protects securities customers of its members up to
   $500,000 (including $250,000 for claims for cash). Explanatory brochure
   available upon request or at www.sipc.org


 * FEES IN LINE WITH SERVICE.
   
   No commissions or upsell. We’re motivated by what’s best for you, our fees
   are tied to how your account grows.





A LOW FEE FOR BIG DREAMS.

For just $4 a month or 0.25% annually, you get all the benefits of automated
investing: expert-built portfolios, ongoing guidance, and tax-efficient
strategies at just a fraction of the cost of a traditional advisor. 
Learn more about pricing



LOOKING FOR MORE? PUT A TEAM OF ADVISORS IN YOUR CORNER WITH PREMIUM.

Get on-demand support and a tailored plan from our team of financial advisors.
No matter your goals or situation, they’ll offer guidance so you can take every
step with confidence.

Minimum balance required.

Learn more

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READY TO BE INVESTED?



Get started





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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?

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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
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