Betterment Promotions

Betterment is currently offering nine promotions. Read our in-depth review of Betterment to see why Betterment scored 4.1 stars out of 5. We like their no minimum investment, many customized portfolios, and automatically invest extra funds.

Get up to 1 Year Managed Free

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New Betterment customers only. Accounts must be funded within 45 days of signup. Terms apply.

Get 1 Month Managed Free

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Deposit $15,000 - $99,999 within 45 days and get 1 month managed free

Get 6 Months Managed Free

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Deposit $100,000 - $249,999 within 45 days and get 6 months managed free

Get 1 Year Managed Free

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Deposit $250,000+ within 45 days and get 1 year managed free

Betterment Cash Reserve - Earn up to 0.40% APY

Start Saving

FDIC insurance covering up to $1,000,000 at program banks
Access cash in 1-2 business days
No minimum balance
No fees on balance
Unlimited withdrawals

Betterment Checking

ATM and foreign fees reimbursed
No monthly maintenance fees
No minimum balances
FDIC-insured account up to $250,000

Get Checking

Compare Promotions

Get Up to $3,500

Get Cash Bonus

Expires 12/31/2020

The minimum qualifying deposit to receive a cash bonus is $10,000. Accounts will be reviewed 60 days after account opening to determine the total qualifying deposit. Corresponding cash bonus will be credited to the account within 10 business days. Once the bonus is credited to the account, the bonus and qualifying deposit (minus any trading losses) is not available for withdrawal for 300 days. If the qualifying deposit is withdrawn, the bonus may be revoked.

Deposit or Transfer	Cash Bonus
$10,000 - $24,999	$50
$25,000 - $99,999	$200
$100,000 - $249,999	$300
$250,000 - $499,999	$600
$500,000 - $999,999	$1,200
$1,000,000 - $1,999,999	$2,500
$2,000,000+	$3,500

Automated Investing to Help Save Your Time

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Free 401k Check-up

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Get a free analysis of your current 401k retirement plan.

Frequently Asked Questions

Find answers to frequently asked questions about Betterment.

Is Betterment a good investment?

Betterment is a good option for beginners who aren't ready to invest on their own. It's also good for passive investors who don't want to manage their own portfolios. The 0.25% annual fee is reasonable and there is no minimum. But experienced investors could earn better returns by choosing their own investments.

Is my money safe with Betterment?

You retain full ownership of your assets. Even if Betterment were to go out of business, your investments are insured up to $500,000 per account type by the SIPC. Betterment also uses 256-bit SSL encryption to keep your data secure.

Is Betterment worth the cost?

Betterment's 0.25% annual fee is lower than traditional financial advisors. It could be worth it for new investors or if you want to be hands-off. However, if you know how to manage your own portfolio, the fee gets expensive on bigger balances. $100,000 balance costs $250 a year in fees.

How much should I put in Betterment?

Betterment has no minimum investment. All balances cost 0.25% in annual advisory fees at the basic tier. You can deposit as little or as much as you're comfortable with and still have access to benefits such as tax harvesting. If you have at least $100,000, you have the option to upgrade to the Betterment Premium Plan at 0.40% annual fee.

Can I take my money out of Betterment?

You can withdraw funds from Betterment at any time with no withdrawal fees. Withdrawals take about 4-5 days to complete. When you withdraw, your shares are sold off. Any profits will be considered taxable income. If you withdraw funds from an IRA account early, there will be a tax penalty.

Is Betterment better than Vanguard?

Betterment is better for new investors as it has no minimum to start. Vanguard Personal Advisor requires $50,000 minimum. However, the advantage of Vanguard is that you get actual human advisors managing your portfolio. The fees are comparable at 0.25% for Betterment and 0.30% for Vanguard.

Is Betterment better than Fidelity?

Both Betterment and Fidelity Go have a $0 minimum investment. However, Fidelity's annual advisory fee is higher at 0.35% (vs 0.25% for Betterment). Betterment offers more comprehensive services and accounts types. On the other hand, Fidelity has active human managers.

In-Depth Review

Highlights

Annual Fee
0.25% for accounts under $100,000; 0.40% for accounts $100,000+

Compare: Betterment vs M1 Finance

Minimum Deposit
$0

Compare: Betterment vs Ally Invest

Checking
No-Fee Checking

Compare: Betterment vs Acorns

Phone Support
Yes

Live Chat Support
No

Email Support
Yes

Compare: Betterment vs Personal Capital

Human Advisors
Yes ($100k minimum)

Assets Under Management
$14 Billion

Tax Loss Harvesting
Yes

Goal Tracker
Yes

Automatic Deposits
Yes

Online Platform
Yes

iPhone App
Yes

Android App
Yes

Mobile App
Yes

Compare: Betterment vs Robinhood

Single Stock Diversification
No

Fractional Shares
Yes

Taxable Accounts
Yes

401k Plans
Yes

IRA Accounts
Yes

Roth IRA Accounts
Yes

SEP IRA Accounts
Yes

Trust Accounts
Yes

529 Plans
No

More Information

Pricing information from published website as of 04/04/2018
For the complete terms and conditions, view the merchant's website. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. Please review the terms and conditions on the merchant's website.

	Betterment	Wealthfront


	Benefits and Features
Annual Fee	0.25% for accounts under $100,000; 0.40% for accounts $100,000+	0.25%
Minimum Deposit	$0	$500
Phone Support	Yes	Yes
Live Chat Support	No	No
Email Support	Yes	Yes
Human Advisors	Yes ($100k minimum)	No
Robo Advisor
Assets Under Management	$14 Billion	$10+ Billion
Tax Loss Harvesting	Yes	Yes
Goal Tracker	Yes	Yes
Automatic Deposits	Yes	Yes
Online Platform	Yes	Yes
iPhone App	Yes	Yes
Android App	Yes	Yes
Mobile App	Yes	Yes
Single Stock Diversification	No	Yes
Fractional Shares	Yes	No
Taxable Accounts	Yes	Yes
401k Plans	Yes	No
IRA Accounts	Yes	Yes
Roth IRA Accounts	Yes	Yes
SEP IRA Accounts	Yes	Yes
Trust Accounts	Yes	Yes
529 Plans	No	Yes

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

Betterment Alternatives

$10 Sign-Up Bonus

Get a Free Stock (worth between $2.50 and $200)

Get a Free Stock

Get Started with Personal Capital

Transfer Your Account and Earn Up to $2,500

Initiate your transfer of another brokerage account within 60 days of signing up for M1 to receive a bonus.

Transfer	Bonus
$100,000 – $250,000	$250
$250,001 – $500,000	$500
$500,001 – $1,000,000	$1,000
$1,000,001+	$2,500

Payments for eligible transfers will be paid 90 days after the account transfer is received. Offer is valid for direct broker transfers received through the Automated Customer Account Transfer Service (ACATS) only. Offer is not valid with ACH deposits, wire transfers or direct 401k rollovers.

Start Your Transfer

Get Up to $3,500

Get Cash Bonus

Expires 12/31/2020

Deposit or Transfer	Cash Bonus
$10,000 - $24,999	$50
$25,000 - $99,999	$200
$100,000 - $249,999	$300
$250,000 - $499,999	$600
$500,000 - $999,999	$1,200
$1,000,000 - $1,999,999	$2,500
$2,000,000+	$3,500

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