Asset Management

Better Investment 

Building on decades of Nobel-prize winning research, we aim to achieve the best investor returns possible.
Our portfolio is maximally diversified, and comprises low-cost, liquid, index-tracking, exchange-traded funds, or ETFs. We use tax-efficient algorithms and automate optimal behavior to maximize your ability to grow your money.

Annual Fee: 0.75%

  1. Optimal Asset Allocation
  2. Research
  3. Stock ETF's
  4. Bond ETF's
  5. Investment Committee
  6. Customer Service

Asset allocation is the art of combining assets to achieve the highest expected return for a given level of risk. With more diversified assets at every risk level, we are able to build a portfolio that has higher expected returns regardless of how much risk you want to take on. 

Each ETF has been selected to balance considerations of low cost and high liquidity as a means to access each asset class. When making the selection for each ETF, we considered the following: expense ratio, bid-ask spread, assets under management, number of holdings, exchange rate hedging, and capital gains implications. Read more about our Investment Selection Methodology.

Our portfolio includes stock ETFs that efficiently capture the broad U.S. stock market, and international developed and emerging markets. Your money is invested in literally thousands of companies instantly. Exactly how much of your portfolio is made up of which stocks depends on the exact allocation you choose. Our stock ETFs include:

Our portfolio includes bond ETFs that allow us to precisely manage the level of risk at every allocation, and improve the risk-adjusted performance of the portfolio at higher risk levels. The exact amounts of each bond ETF will depend on the allocation you choose.

Our Investment Committee brings decades of industry expertise in driving our investment approach, portfolio construction, and allocation advice. The committee ensures our investments are best in class, combining substantiated research with the most effective investing tools available today.

Whether it's the research and evaluation done by our investment professionals, or the dedicated care of our world-class customer support specialists, the people behind our technology make all the difference.

No Commissions       No Trade Fees        Low Cost

Investment Platform 
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Each investment portfolio is designed to get customers optimal investor returns. Our goal-based investing framework and advice algorithm let customers know if they are on track to reach their investment goals like Retirement or a Safety Net Fund, in seconds.
We recommend a globally-diversified, passive portfolio of 12 asset classes, tailored for your risk and time horizon. Years of research and Nobel Prize-winning Modern Portfolio Theory are the foundation of our proven investment method.

Have peace of mind knowing your money is protected.
Betterment Securities is a member of SIPC. Securities in your account protected up to $500,000. For details, please see

Looking out for investors' accounts is a legal duty.
Regulated by the SEC and a member of FINRA, our Broker-Dealer, Betterment Securities, follows a strict set of rules, designed to protect our investors' accounts.

Your investments are safe with Betterment.

Our investment experts constantly evaluate the best ways to put your money to work. Betterment portfolios are completely liquid, and you can access your money at any time.

Dan Egan, MsC
Quantitative & Behavioral Finance

Lisa Huang, PhD
Quantitative Portfolio Management

Rukun Vaidya
Capital Markets & Trade Execution