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Betterment Product Profile
The original robo-advisor — automated ETF portfolios, tax-loss harvesting, and goal-based investing on autopilot
Editorial review record is being refreshed.
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Betterment
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The Bottom Line
Betterment is The original robo-advisor — automated ETF portfolios, tax-loss harvesting, and goal-based investing on autopilot. This profile summarizes the product's current positioning, available features, pricing notes, and primary sources while the independent editorial review record is being refreshed.
What is Betterment?
Betterment was founded in 2010 by Jon Stein and Eli Broverman in New York City and is widely considered an early robo-advisor. It helped popularize automated, algorithm-driven portfolio management for retail investors at a fraction of traditional advisory fees. Betterment has grown to $40B+ in AUM and 850,000+ customers. It is a registered investment advisor (RIA) with the SEC. In 2023, Betterment acquired Makara to add crypto portfolios. It also acquired Wealthsimple US customers and remains a well-known name in automated investing.
What does Betterment offer?
Betterment Digital (0.25%/yr, no minimum) builds and manages a diversified ETF portfolio based on your goals and risk tolerance. Automatic rebalancing keeps your allocation on track. Tax-loss harvesting (available on all accounts) harvests investment losses to offset gains and reduce tax liability. Betterment Premium (0.40%/yr, $100K+ minimum) adds unlimited calls with CFP professionals. IRA accounts (traditional, Roth, SEP) available. Socially responsible investing (SRI) portfolios available. Cash Reserve account (FDIC-insured, competitive APY) included.
Digital (0.25%/yr)
Custom
/month
Premium (0.40%/yr, $100K+)
Custom
/month
Editorial assessment refresh
We are re-sourcing our prior score and tier before publishing a numerical rating or testing claim for this product. The product details, pricing notes, and linked sources remain available while that work is completed.
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Is Betterment worth it in 2026?
Betterment has a current product profile, but we are not publishing an independent value verdict until its editorial review record is sourced. Confirm current pricing, limits, and fit with the provider.
What is Betterment best for?
Betterment is best for: Hands-off investors who want automated portfolio management without picking stocks, IRA investors who want tax-loss harvesting and automatic rebalancing, People with $100K+ who want CFP access at a fraction of traditional advisor cost.
Does Betterment have a free trial?
Betterment does not offer a permanently free plan. Contact the provider for current pricing.
What are the best Betterment alternatives?
Top alternatives to Betterment include wealthfront, fidelity, m1-finance.
Review the current product details and sources above, then confirm plan limits and pricing directly with the provider before choosing a plan.
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