Betterment IRA: Automated, Tax-Advantaged Retirement Investing
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Betterment IRA: Automated, Tax-Advantaged Retirement Investing
Betterment offers a streamlined IRA experience, combining automated investment strategies, tax-smart features, and intuitive planning tools to help you confidently grow your retirement savings.
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Betterment IRA: Automated, Tax...
What Is Betterment IRA?
Betterment’s retirement accounts (Traditional, Roth, SEP) are robo-advisor-built IRAs that manage your investments using low-cost ETFs and automated rebalancing.
Whether you’re starting from scratch or rolling over existing retirement funds, Betterment simplifies long-term investing.
Betterment IRA Overview
| Offer | Best For | Minimum Balance | Mgmt Fees | Get Started |
|---|---|---|---|---|
| IRAs (Traditional, Roth, SEP) | Hands-off investors wanting automated retirement investing | $0 | 0.25% Regular Plan / 0.65% Premium Plan | Visit Website |
How Betterment IRA Works
Betterment IRAs are tax-advantaged accounts that help you save and invest for retirement with diversified, low-cost funds.
- Answer a few questions to determine which IRA is right for you.
- Betterment builds a personalized ETF portfolio based on your goals and risk tolerance.
- Funds are automatically allocated, rebalanced, and reinvested—including dividend reinvestments.
- Additional tools like tax-loss harvesting, reminders, and goal tracking enhance your investing journey.
Key Features & Benefits
| Feature | Benefit |
|---|---|
| Auto Rebalancing & Allocation Adjustment | Keeps your portfolio aligned with changing risk profiles |
| Tax-Loss Harvesting | Offers tax savings (Digital and Premium Plans) |
| Tailored Portfolio Options | Choose between Core, Smart Beta, or Flexible asset mixes |
| Savings Nudges | Automated reminders help you stay on track with IRA contributions |
| Rollover & Roth Conversion Support | Transfer old 401(k) plans or convert to a Roth IRA directly within the platform |
Who Is It For?
- Users seeking a “set-and-forget” retirement strategy
- New investors looking for automated retirement investing with expert guidance
- People wanting to consolidate old employer retirement plans
Pricing & Fees
- Regular Plan: 0.25% annual fee or $4/month (whichever lower)
- Premium Plan: 0.65% annual fee (requires $1 million minimum) + unlimited advisor access
- No additional trading, rebalancing, or rollover fees
Trust & Security
- Offered by Betterment LLC – an SEC-registered investment advisor
- Brokerage services through Betterment Securities, member FINRA/SIPC
- Up to $500,000 SIPC protection
FAQs about Betterment IRA
Can I roll over an old 401(k)?
Yes—you can transfer or rollover previous retirement accounts to Betterment IRS with guided help.
How much does it cost to start?
There’s no minimum balance for the Digital Plan; Premium requires $100,000 to unlock advisor access.
Which IRAs are available?
Betterment supports Traditional, Roth, and SEP IRAs—with automated strategies tailored to each type.
| Account Types | Retirement |
|---|---|
| Advisory Style | Fully Automated |
| Features & Access | Account Aggregation, Educational Resources, Savings Automation, Savings Goals |
| Fees & Pricing | % of Assets |
| Investment Options | ETFs |
| Minimum Deposit | $0 Minimum |
| Perks & Value Adds | Dividend Reinvestment, Retirement Planning Tools, Tax Optimization |
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