Choose how your money will make an impact.
Our Socially Responsible Investing Portfolios are built by our experts to make it easy to support companies that share your values—from funding green projects to promoting gender diversity—while investing in cost-effective ETFs.
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Climate Impact
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Social Impact
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Broad Impact
When you choose a portfolio, you'll receive or select an allocation of stocks and bonds. The higher percentage of bonds you choose, the lower the percentage of your portfolio will be allocated to socially responsible ETFs. For full disclosures, please reference the Socially Responsible Investing Portfolios Disclosure.
Still have questions?
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Betterment helps you manage your money through cash management, guided investing, and retirement planning. We are a fiduciary, which means we act in your best interest.
We'll ask a bit about you when you sign up. We'll also gather information when you connect your outside accounts. Then, we'll help you set financial goals and set you up with investment portfolios for each goal.
For your long-term financial needs (like retirement, next year's vacation, or a down payment), our investment strategy is built on low-cost ETFs (exchange-traded funds) and a risk profile based on how long you plan to invest.
For your daily saving and spending, you can use our cash management products that include Checking (which is offered by nbkc bank, Member FDIC) and Cash Reserve, a high-yield cash account.
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Cash Reserve: No fees on your balance. Betterment LLC only receives compensation from our program banks, and we do not charge fees on your account balance.
Checking: No monthly account fees, maintenance fees, or withdrawal fees, and all ATM fees worldwide will be reimbursed, including the Visa 1% transaction fee on foreign transactions, purchases, and ATM transactions.
Investing: 0.25% per year on your invested balance, which covers all trading costs. Also, there are no additional transaction fees. Every fund your portfolio invests in charges fund fees that, in total, range from 0.03% to 0.50%.
Retirement: You can access our retirement planning tools without funding an account simply by syncing your existing accounts. Once you transfer retirement assets (like an IRA) to Betterment, Betterment will charge you a 0.25% management fee.
Premium Advice: 0.65% per year on your invested balance for unlimited over-the-phone access to our team of CFP® professionals.
We have no minimum balance requirements across the majority of our accounts (just $10 to get started) —however, if you opt into our Premium plan, there is a $100,000 minimum.
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Our team of investing experts make decisions about our portfolio strategies and fund selection with the help of an external committee of economists, PhDs, and industry experts.
More than just a portfolio management team, our experts work to develop improvements to our Tax Smart technology, our investment analysis tools, and other advanced strategies.