Www.betterment

BettermentFounded in 2008, Raised 205.0M

Leading robo-advisor with $8 billion of assets under management.

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In addition to your 30 day free trial you will get 6 more months of free service.


Details

Min. Investment
$0
Est. Return

Fee

Risk
Liquidity
Portfolios are from our actual Betterment account

Portfolios

  • Stocks 90%Bonds 10%Cash 0%
    90% Stocks / 10% Bonds

    7.96%
    Avg. annual return since 2013

    View Portfolio
  • Stocks 90%Bonds 10%Cash 0%
    Goldman Sachs Smart Beta

    4.70%
    Avg. annual return since 2013

    View Portfolio

Comments

  • 80d92fa4688a493a66475c4e351781af?s=100&d=identicon
    Fake Buster
    almost 2 years ago

    I've used Betterment for about an year but I only lost money by using it. I've found that ETFs are not going to give you dramatic returns in a short period of time so I decided to stop using it.

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  • 7af046f81626a9d1ea0f63a9b64e30cd?s=100&d=identicon
    Matthew Hui
    almost 2 years ago

    Probably shouldn't use a robo-advisor if you want dramatic short term gains

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  • F742c7a6d57fb9329c21970ebd98187f?s=100&d=identicon
    Osman Khwaja
    almost 2 years ago

    I've tried Betterment for ~1 year. Similar to Wealthfront, it's a solid choice as a "set and forget" robo-advisor with a monthly recurring deposit. One option that strongly differentiates Betterment from its competitors (namely Wealthfront) is the "tax-coordinated portfolio" with multiple accounts (at least, as of today). See https://www.betterment.com/tax-coordinated-portfolio/ for more detailed info, but in summary, they manipulate your multiple investment accounts to give your entire portfolio the "balance" of assets you want, but place individual assets into the specific portfolio that reduces the amount of overall taxes you have to pay. This feature is pretty useful for people with retirement accounts *and* other investment accounts.

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  • 4a042b8382a008d344561c8301509f3a?s=100&d=identicon
    Matthew Hui
    over 1 year ago

    Betterment is the first robo-advisor I tried (back in Dec of 2013) and I am still using it. I initially chose Betterment because it was the most established robo-advisor and trusted them with my money. I like the portfolio that Betterment invests in because It's pretty diverse although I would prefer that it had less in international ETFs. My returns have been pretty decent so far, I'm up 12.7% since December of 2013 so I'm pretty satisfied.

    I think Betterment is probably the best choice if you don't mind paying a fee for your robo advisor (Wealthfront is free

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  • 7cba701682493fa86126e75485272d9b?s=100&d=identicon
    Catifan
    5 months ago

    For what it's worth I'm up 21.6% this year with Betterment. Standard building wealth account, 95% stocks. They charge 0.25% fee to basically handle everything for you with distribution amongst the set of funds they like. Mostly vanguard. Sure maybe I could do it myself but they have a great interface, do tax loss harvesting, rebalancing, and basically take all the work out of it. Up to you if that's worth it.

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  • 825e0e46ce1473fc4fb46173db7966e5?s=100&d=identicon
    eshebutho
    5 months ago

    As someone who does not know a lot about investing, I've enjoyed being a betterment customer for about a year and a half now. Perhaps other services or direct investing provide some of the same options, but here's what I've personally enjoyed about Betterment:

    - "set it and forget it": I have $200/month auto-deposit. They've done well for me thus far.
    - I've had to pull money out before and it was easy and relatively fast (3 or 4 days?)
    - Their UI is great. Impossible to get confused, but the information is there if you want it. E.g. I set a 95% stocks allocation, but if I wanted to I can peel back and find the balance of Vanguard funds in which they've actually invested.
    - They're very good about letting you know what's actually going on in understandable terms. They have great articles in their knowledge base and regularly send update emails.
    - You can have multiple different goals with different allocations.

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  • 7e25a89a0530b66ed597f105b1222467?s=100&d=identicon
    Reddit-Hivemind
    5 months ago

    I'm a fan. You get a better distribution more true to your risk profile compared to your standard 3 fund or four fund account. It rebalances constantly, better than you can do as a single person maybe monthly or quarterly.

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