Better for your team.

Your employer has a responsibility to you to choose a 401(k) provider that puts your interests first. Betterment offers best‑in‑class benefits to help you prepare for your retirement.

We help you make smarter financial decisions through an intuitive experience.

Participant advice and portfolio selection is provided by Betterment LLC, an SEC registered investment adviser.

Advice Tailored to You

You tell us your goals, and we'll provide a personalized strategy to help you reach them.

Using Betterment's RetireGuide, we'll estimate how much you need to save for retirement, how to allocate your money across stocks and bonds, and we'll take into account all of your investments, even those outside of your 401(k). Data shows that this type of advice over time can more than double your retirement savings.

Source: Report from Empower Retirement. Average 401(k) balance in America: $101,650; Difference of 2% compounded over 40 years; Difference is $122,797, more than 2x starting balance.

60-Second Rollovers

You may have a 401(k) with a former employer, or an IRA at another provider—but are you really on track for retirement? Is your account aligned with your best interests? Are you getting the services you need to reach your goals?

Our mission is to be completely transparent and aligned with our customers, which means we have no hidden fees or conflicts of interest. We offer services that we believe will make our customers smarter investors—and ultimately reach their goals.

It is important to note that information is for educational purposes only. Betterment cannot make a recommendation as to whether you should rollover your 401(k) account without knowing your personal situation. When you are deciding whether to rollover a 401(k) account, you should consider the following potential benefits of 401(k) accounts. 401(k) accounts may offer greater protection from creditors than IRAs, as well as the ability to take penalty-free distributions at an earlier age or to defer minimum required distributions. Some 401(k) accounts may also allow for loans or distributions in a broader set of circumstances than IRAs. Some 401(k) plans may also offer specific educational and advisory services to participants. The desirability of maintaining a 401(k) may also depend on the range of investment options offered within the 401(k). You should research the details of your 401(k) and speak to a tax advisor about whether the features of your 401(k) are relevant to your personal situation.

Best-in-Class Customer Support

We're here to walk you through every part of the investment process. Our award-winning customer experience team is trained to handle technical support, account access, password resets, and help participants make the most of their investing experience with Betterment. We're available by phone, email, or live chat 7 days a week.

What happens when your company signs up for the Betterment 401(k)?

New Plan

If your company is offering a 401(k) for the first time.

Conversion Plan

If your company is moving from an existing 401(k) plan.
30-day transition period where 401(k) accounts are moved to Betterment.
Launch of the Betterment 401(k)! You will receive an invitation to your new 401(k) account dashboard where you can change your contribution amount and your investment options.
On your first pay date following the launch, the amount you’ve elected to contribute will automatically transfer into your Betterment 401(k) account.
Your previous 401(k) assets will appear in your Betterment 401(k) account in 4 to 8 weeks.

Powered by Betterment

Your plan comes with Betterment's award-winning interface—which means no more complicated, outdated platforms from other 401(k) providers.

You can easily adjust how much you're contributing, quickly see your performance, and even monitor your 401(k) account from your mobile phone.

Total Security

We strive to exceed the safest standards possible for your assets. Bank-level security means your personal data is safe.

As an SEC- and FINRA-regulated company, Betterment Securities follows a strict set of rules designed to protect our investors' accounts. Betterment Securities is also a member of SIPC, with securities in your account protected up to $500,000.

Sign up to receive more information about the Betterment 401(k).

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