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Review

Betterment

The original robo-advisor, built for goal-based investing

Betterment pioneered the robo-advisor category and remains one of the most polished options for goal-based investing — retirement, a house down payment, or a safety net — with automatic rebalancing and tax-smart features.

Annual fee

0.25%

Minimum

$0

Best for

Goal-based planning with no account minimum

Sign up with Bettermentcoming soon

Fees

0.25%

0.25% annual fee on the digital plan; premium plan with human advisors costs more.

Returns report

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Returns in the report are comparable estimates from each advisor's published performance, shown net of advisory fees so you can compare them. They are for comparison — not a forecast, and they will not match any one account. Past performance does not guarantee future results. This is educational, not personalized advice.

Pros

  • Excellent goal-based planning and projection tools
  • Tax-loss harvesting included on the standard plan
  • $0 minimum to open

Cons

  • 0.25% fee is mid-pack — cheaper options exist
  • Human advisor access requires the higher-cost premium tier
  • Cash account yields vary with rate environment

Betterment FAQ

Betterment charges 0.25%. Fund expense ratios on the underlying ETFs apply on top, typically 0.05–0.20%.

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Get the robo-advisor returns report

We email comparable estimates of each advisor's published performance, net of advisory fees. Use a real inbox — a typo means the report never arrives.

Returns in the report are comparable estimates from each advisor's published performance, shown net of advisory fees so you can compare them. They are for comparison — not a forecast, and they will not match any one account. Past performance does not guarantee future results. This is educational, not personalized advice.