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Vanguard vs Betterment

Vanguard is a good choice for ETF and mutual fund investors interested in Vanguard-sponsored investments. How does it compare to Betterment? Read our comparison chart below.

Vanguard offers low stock trade prices (starting at just $2) for investors with account balances over $500k. For those with smaller balances, it's best for less active traders, as trade prices go up after 25 trades/year. Vanguard offers 125+ no-transaction-fee mutual fees and 55+ commission-free ETFs. There is no minimum deposit and service fees can be waived by signing up for electronic statements.

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

 Betterment
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Vanguard

Betterment

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Benefits and Features

Stock TradingLess than $50,000: $7 per trade for the first 25 trades per year, then $20.
$50k - $500k: All trades $7.
$500k - $1M: All trades $2.
$1M - $5M: First 25 trades per year free, then $2.
$5M+: First 100 trades per year free, then $2
 
Options TradingLess than $500,000: $7 + $1 per contract.
$500,000+: $2 + $1 per contract
 
Annual Fee 0.25% for accounts under $100,000; 0.40% for accounts $100,000+
Minimum Deposit
$0
$0
Mutual Fund Trading$0 for no-transaction-fee funds. For transaction-fee funds: $20 for account balances less than $500,000; $8 for account balances $500,000+ 
Commission Free ETFsAround 1,800 ETFs from about 100 other companies 
Phone Support 
Yes
Live Chat Support 
No
Email Support 
Yes
Human Advisors 
Yes
Robo Advisor 
Assets Under Management 
$14 Billion
Tax Loss Harvesting 
Yes
Goal Tracker 
Yes
Automatic Deposits 
Yes
Broker Assisted Trades
$25.00
 
Customer Service
Monday-Friday 8am -10pm ET
 
Inactivity Fee
$0
 
Maintenance Fee$20/year. Waived if account owner signs up for e-delivery service OR have at least $10,000 in Vanguard ETFs and mutual funds 
Online Platform 
Yes
iPhone App 
Yes
Android App 
Yes
Banking
No
 
Mobile App
Yes
 
Desktop App
Yes
 
Forex Trading
Yes
 
Futures Trading
No
 
Locations
No
 
Online Community
No
 
Seminars
Yes
 
Virtual Trading
No
 
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
 

CreditDonkey® Reviews

 Betterment
Stock Trading
Options Trading
Mutual Fund Trading
Mobile App
Commissions and Fees
Ease of Use
Research
Annual Fee
Minimum Deposit
Human Advisors
Customer Service
Pros & ConsPros:
  • Large selection of mutual funds and commission-free ETFs
  • Broker assistance is available at no additional cost
  • Easy to use
Cons:
  • Commission structure penalizes frequent traders
  • Customer service wait times
  • Commission costs on non-Vanguard investment options
Pros:
  • No minimum investment
  • Many customized portfolios
  • Automatically invest extra funds
Cons:
  • Limited investment options
  • High fees for large investors
Bottom LineGood choice for ETF and mutual fund investors interested in Vanguard-sponsored investments... Read full reviewGreat robo-advisor for beginners with low fees, good tools, and tax strategies... Read full review
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What Others View

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

    Vanguard: Pricing information from published websites as of 07/20/2019.

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

    Which is Better: Vanguard or Betterment?

    Still need help deciding which investing is better? Read the in-depth reviews below. You may also be interested in comparing Vanguard or Ally Invest.


    Articles on Vanguard


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