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

Offers broad exposure to stocks in the U.S. market.

U.S. Value Stocks - Large Cap

Offers exposure to value stocks in the top 70% of the capitalization of the U.S. market.

U.S. Value Stocks - Mid Cap

Offers exposure to value stocks typically between $1 billion and $8 billion in market capitalization in the United States.

U.S. Value Stocks - Small Cap

Offers exposure to value stocks with below $1 billion in market capitalization.

International Developed Market Stocks

Offers exposure to a broad collection of stocks from non-U.S. developed markets such as the United Kingdom, the European Union, Japan, and others.

International Emerging Market Stocks

Offers exposure to a broad collection of stocks from emerging markets, such as China, Taiwan, India, Brazil, Russia, Thailand, and South Africa, among others.


U.S. Short‐Term Treasury Bonds

Issued by the U.S. Treasury with short maturity terms between one month and one year, offering extremely low risk exposure. Generally, they are considered a cash alternative.

U.S. Inflation‐Protected Bonds

Issued by the U.S. Treasury with the value of the principal (but not interest payments) indexed to inflation.

U.S. Municipal Bonds

Only included in taxable portfolios, since the interest from them is generally federally tax‐exempt. The underlying bonds are issued by state and regional governments.

U.S. High‐Quality Bonds

Offers exposure to the U.S. investment‐grade bond market, bringing stability to portfolios, while offering higher cash income than U.S. Treasury bonds alone.

International Developed Market Bonds

Issued by non‐US developed market governments and organizations, largely in Europe and the Pacific regions. The bonds in this set of holdings have high credit quality.

International Emerging Market Bonds

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).

Get started