Investing made better.
Meet the app that gives you the tools, inspiration, and support to help you become a better investor.
Investing built for a better future.
Whether you're starting with $10 or $10M, we’re built to help you reach your financial goals.
Easy.
Get started with as little as $10 and use our top-rated mobile app to invest on the go.
Optimized.
We put the robots to work for you, with automated tools and strategies that can help unlock your money’s potential.
Personalized.
Customize your account, either as hands on as you want, or with our guidance along the way.
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What makes Betterment better?
Built to make investing easy.
We'll guide you through portfolio options, risk levels, goal setting, and savings features.
Diversified investing.
We custom-build our portfolios using ETFs or cryptocurrencies to give you better diversification.
Transparent pricing.
We offer lower cost investing options so everyone can decide what’s best for their money.
Invest with your values.
Socially Responsible Investing can help make an impact while putting your money to work for you.
Limit tax impact.
Consider our tax strategies designed to help you limit the tax impact of your investments.
Track your finances.
Connect outside accounts to better inform our advice in one place.
Star icon Star icon Star icon Star icon Star icon 4.7 rating - 35,000 reviews §
730,000+ customers.
$30.7 Billion Assets under management.
Be invested.
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I'm in school.
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I’m working or job hunting.
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I'm retired.
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Still have questions?
How does Betterment work?
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. Then, we'll help you set financial goals and set you up with investment portfolios for each goal. For your long-term financial needs (like retirement, next year's vacation, or a down payment), our investment strategy utilizes low-cost ETFs (exchange-traded funds) and an adjustable risk profile based on your goal type and how long you plan to invest. For your daily saving and spending, you can use our cash management products that include Checking (which is offered by nbkc bank, Member FDIC) and Cash Reserve, a high-yield cash account.
Will I have access to real humans?
Customer support team members are available five days per week to answer questions about your account. If you want in-depth financial advice, you can talk to a licensed advisor by phone for an additional cost. Our Premium plan provides you with unlimited access and costs an additional 0.15% on your invested balances (with a minimum account balance requirement of $100,000). We also offer advice packages for needs of all kinds, starting at $299.
Is my money safe at Betterment?
Betterment Securities is a Member of SIPC, which protects securities of its members up to $500K (including $250K for claims for cash). Explanatory brochure available upon request or at www.sipc.org. What you should remember is that the SPIC does not protect against market changes in your investing account. Individual Cash Reserve accounts have FDIC insurance up to $1M and joint Cash Reserve accounts offer up to $2M in FDIC insurance once funds are deposited into our program banks†. Funds deposited into Checking are FDIC-insured up to $250K for individual accounts and up to $250K per depositor for joint accounts, provided by nbkc bank, Member FDIC. Explore further details about FDIC insurance.
Who are the experts behind the scenes?
Our team of investing experts make decisions about our portfolio strategies and fund selection with the help of an external committee of economists, PhDs, and industry experts. More than just a portfolio management team, our experts work to develop improvements to our Tax Smart technology, our cash analysis tools, and other advanced strategies.
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§ App store rating is as of 09.27.2022 and is based upon all ratings and reviews received since the Betterment app was launched September 10, 2010. Current rating can be found on Betterment’s App Store listing and is subject to change. Rating is calculated and generated by the App Store® based on the average of all total app reviews. No compensation was exchanged for reviews or ratings. Rating may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see more reviews at the App Store and Google Play Store .
The reported customer count of 730,000+ is as of March 31, 2022.
Betterment's reported assets under management (AUM) of $30.7 Billion is as of August 31, 2022.
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.
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Any links provided to other websites are offered as a matter of convenience and are not intended to imply that Betterment or its authors endorse, sponsor, promote, and/or are affiliated with the owners of or participants in those sites, unless stated otherwise.
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