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Merrill Edge Guided Investing vs Betterment

Merrill Edge Guided Investing is a higher fees, but the human portfolio management aspect gives you potential to outperform the market.. How does it compare to Betterment? Read our comparison chart below.

Merrill Edge Guided Investing offers human portfolio management combined with online investing. Your portfolio is selected and actively monitored and rebalanced by professionals, giving it more potential to outperform the market. However, fees are higher at 0.45% per year. Opening an account requires a minimum of $5,000.

While Betterment offers automatic investing starting at an annual fee of 0.25% of your account balance. 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.

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

 Betterment
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Merrill Edge Guided Investing

Betterment

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Benefits and Features

Annual Fee
0.45%
0.25% for accounts under $100,000; 0.40% for accounts $100,000+
Minimum Deposit
$5,000
$0
Phone Support
24/7
Yes
Live Chat Support
24/7
No
Email Support
Yes
Yes
Human Advisors
Yes
Yes
Robo Advisor 
Assets Under Management 
$14 Billion
Tax Loss Harvesting
No
Yes
Goal Tracker
Yes
Yes
Automatic Deposits
Yes
Yes
Online Platform
Yes
Yes
iPhone App
No
Yes
Android App
No
Yes
Single Stock Diversification 
No
Fractional Shares
No
Yes
Taxable Accounts
Yes
Yes
401k Plans
Yes
Yes
IRA Accounts
Yes
Yes
Roth IRA Accounts
Yes
Yes
SEP IRA Accounts
Yes
Yes
Trust Accounts
No
Yes
529 Plans
No
No
 

CreditDonkey® Reviews

 Betterment
Annual Fee
Minimum Deposit
Human Advisors
Customer Service
Pros & ConsPros:
  • Human portfolio monitoring
  • Potential to outperform the market
  • Seamless integration for BofA or Merrill Edge clients
Cons:
  • Higher fees than competitors
  • No tax loss harvesting
  • Higher minimum deposit.
Pros:
  • No minimum investment
  • Many customized portfolios
  • Automatically invest extra funds
Cons:
  • Limited investment options
  • High fees for large investors
Bottom LineHigher fees, but the human portfolio management aspect gives you potential to outperform the market... Read full reviewGreat robo-advisor for beginners with low fees, good tools, and tax strategies... Read full review
 Learn MoreVisit Site

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Merrill Edge Guided Investing: Pricing information from published website as of 06/14/2018

Betterment: Pricing information from published website as of 04/04/2018

Which is Better: Merrill Edge Guided Investing or Betterment?

In short: Merrill Edge Guided Investing's human advisors and customer service are outstanding. Betterment's annual fee and minimum deposit are noteworthy. In particular, the minimum deposit is excellent.


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