Betterment vs Goldco

Betterment is a great robo-advisor for beginners with low fees, good tools, and tax strategies. How does it compare to Goldco? Read our comparison chart below.

Betterment offers automatic investing starting at $4/month for accounts with less than $20,000. There is no fee to open an account and no minimum deposit required. All balances get automatic rebalancing, tax loss harvesting, and access to financial experts.

While Goldco is one of the most popular gold IRA companies. It stands out for its large selection of gold and silver coins, highest price buyback guarantee, and thousands of 5-star reviews. There is no minimum purchase requirement.

Compare Betterment with Goldco, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Betterment	Goldco

	Learn More	Visit Site
	SPECIAL OFFER Compare Pricing - Learn More Read Betterment Review	SPECIAL OFFER Free Gold IRA Kit - Learn More Read Goldco Review
	Benefits and Features
Savings	Betterment Cash Reserve - Earn 4.00% APY**
Annual Fee	Digital: 0.25% annual fee for accounts with $20,000 or more or with monthly recurring deposits of $250 or more, $4/month for accounts with less than $20,000 Premium: 0.65% for accounts $100,000 or more	Varies depending on custodian
Checking	No-Fee Checking
Minimum Investment	$0	no minimum purchase requirement
Gold IRA
Banking	Offers checking account with a free debit card, and a high-yield cash account
Mobile App	iOS & Android
Silver IRA
Platinum IRA
Palladium IRA
	CreditDonkey® Reviews

Annual Fee
Minimum Deposit
Human Advisors
Customer Service
Fees
Minimum Investment
Gold IRA
Safety
Pros & Cons	Pros: No minimum investment Customized portfolios Automatically invest extra funds Cons: Limited investment options High fees for large investors	Pros: Highest buyback price guarantee Free silver promotion A+ BBB rating Cons: Flat rate fee more expensive for lower balances
Bottom Line	Great robo-advisor for beginners with low fees, good tools, and tax strategies... Read full review	Very reputable Gold IRA account, but preferred custodian's fees may be higher than competitors... Read full review
	Learn More	Visit Site
	Compare Pricing Betterment Cash Reserve - Earn 4.00% APY** Invest with Automated Portfolios	Free Gold IRA Kit Get Up to $10,000 in Free Silver Diversify and Protect Your 401k, IRA, and Retirement Savings Account
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Betterment: Pricing information from published website as of 01/12/2025 Goldco: Goldco’s preferred Custodian charges a flat annual account service fee which includes a one-time IRA account set-up fee of $50, as well as a $30 wire fee. Annual maintenance is $125, and storage is $150 for segregated storage or $100 for non-segregated storage. Fees for gold storage and custodianship can vary depending on the company you select to handle these services (required by the IRS, as all IRA assets must be managed by a custodian). Depending on the Custodian, storage fees can range from $10 to $60 per month, or as a percentage of assets, from 0.35% to 1% annually. Goldco does not charge any storage fees for cash transactions over $25,000.