Investing Made Easy

Betterment is one of the largest independent robo-advisors in the United States, focused on helping people optimize their savings and investments. The platform asks users about their goals—such as retirement, a safety net, or a major purchase—and then builds a customized portfolio of diversified ETFs tailored to their specific risk tolerance and time horizon.

Goal-Based Planning

Betterment’s philosophy centers on goal-based investing. It allows users to create multiple 'buckets' for different financial objectives. The platform’s 'Tax-Smart' tools, including automated rebalancing and tax-coordinated portfolios, help maximize after-tax returns. Unlike some competitors, Betterment also offers access to human financial advisors for users who opt into their Premium plan, providing a hybrid approach to wealth management.

Cash Management

In addition to investing, Betterment provides 'Betterment Cash Reserve,' a high-yield savings alternative, and 'Betterment Checking,' a fee-free checking account with ATM fee reimbursements. The seamless integration between saving and investing makes it easy for users to move money where it is needed most, ensuring that every dollar is working toward their financial future.