Built on Nobel prize-winning research

Optimal portfolio construction.

We build each employee a globally diversified portfolio of 12 asset classes using low-cost index funds. Our portfolio is built to help earn better returns at each level of risk, and can give your employees exposure to over 36,000 stocks and bonds from companies and governments in over 100 countries.

Fund selection that drives performance.

On a quarterly basis, Betterment’s Investment Committee conducts a data-driven selection process to find what we believe are the best funds available for the desired exposure at a low cost. Given we act as a Fiduciary, you’re able to free up time previously spent on Investment Committee Meetings reviewing fund selection and instead focus on other things that really matter.

Invest in thousands of companies.

See a complete list of our stock ETFs and bond ETFs.


U.S. Total Stock Market

U.S. Total Stock Market contains broad exposure to the historically strong long-term growth of the U.S. economy.

U.S. Large-Cap Value Stocks

U.S. Large-Cap Value stocks overlap with the U.S. Total Stock Market, but are included to tilt the portfolio toward large size companies with low price-to-earnings ratios.

U.S. Mid-Cap Value Stocks

U.S. Mid-Cap Value stocks overlap with the U.S. Total Stock Market, but are included to tilt the portfolio toward medium size companies with low price-to-earnings ratios.

U.S. Small-Cap Value Stocks

U.S. Small-Cap Value stocks overlap with the U.S. Total Stock Market, but are included to tilt the portfolio toward small size companies with low price-to-earnings ratios.

International Developed Stocks

Developed Markets stocks provide exposure to a diverse set of companies from international developed economies including the UK, Europe, Japan, and others.

Emerging Market Stocks

Emerging Markets provide higher return potential and diversification, but they come with higher risk compared to U.S. or International Developed stocks.


Short-Term Treasuries

This extremely low-risk asset class is a cash alternative that generates nominal benefit through interest payments, and de-risks the portfolio at safer allocations.

Inflation Protected Bonds

This allocation serves to insulate a part of the portfolio from the depreciating effects of inflation while also having historically low correlation with other asset classes.

U.S. High Quality or Municipal Bonds

For fixed income with slightly higher risk and returns than U.S. Treasuries, taxable accounts use Municipals and IRA and 401(k) accounts use U.S. High Quality bonds.

U.S. Corporate Bonds

Corporate bonds generally offer attractive yields and opportunity for capital appreciation to compensate investors for default risk.

International Bonds

International Bonds have high credit quality and provide interest rate diversification for a bond portfolio, resulting in higher risk-adjusted returns.

Emerging Markets Bonds

Emerging Markets Bonds are dollar-denominated bonds issued by governments with economies that are rapidly growing and industrializing.

Historically better results.

Betterment would have outperformed the average private client investor in almost all periods over the last decade. Learn more about how we determined this.

Sophisticated portfolio strategies, available to every employee.

Reducing taxes is one of the sure ways employees have to build wealth. Tax strategies should consider not only personal accounts but also retirement accounts.

Because your Betterment 401(k) can be managed holistically with other Betterment accounts, our round-the-clock technology can automate asset location, a strategy that could increase after-tax portfolio value by an estimated 0.48% each year, or 15% over 30 years.

Smarter technology. Dedicated support.

A better 401(k).

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