I'm a little skeptical about their claims with TLH, but I plan to test out that feature this year with ~$100 of fun money. If anyone can tell me how to do that, I'd be happy to share. A $23,993.25 gain (+37.9%). They’ve focused on providing a smarter, well-rounded platform. After reading "A Random Walk Down Wall Street", I was confident in this approach. For instance, it suggested I make a low-risk savings account in betterment and move some money over because I have "too much" in my checking account. At that time, my Betterment balance stood at $67,774.03. Betterment was founded by Jon Stein and Eli Broverman in 2008. IMO, anyone in this sub has probably already advanced past the stage of needing/using Betterment. The correlation between the two return series makes a big difference when evaluating whether the difference is significant. Annualized time weighted return is 6.1% vs 11% for SPY the same period. Foreign stocks are not always as bad as this, and having them reduces your reliance on the home nation doing well. Betterment's average fees on their ETFs are 0.10% or 10 basis points for my asset allocation (90% stocks, 10% bonds) plus the 0.25% management fee (for accounts $10,000-$99,999). I closed my Betterment accounts and moved them back to my brokerage. Betterment is the best platform for the average investor. I don't want to have to research funds and make those type of decisions all the time. Betterment has a history of providing investors with higher-than-average returns and competitive fees.. From early financial planning to retirement and everything in between, Betterment provides high-quality financial services and consultation to those looking for easy money management. Then betterment suggests how risky to make the portfolio and auto adjusts it as time goes by. As others suggested, the UI is really nice. FINAL WINNER: Betterment. I'm happy with Betterment, and happy to let them do the legwork for me. Betterment is a clear leader among robo-advisors, offering two service options: Betterment Digital has no account minimum and charges 0.25% of assets under management annually. 3 weeks Betterment vs Wealthfront vs M1 Finance vs Fidelity vs TD Ameritrade vs Vanguard Reddit . I use WealthFront which is very similar to Betterment (I looked into both). I deposited exactly $63,296.25 into Betterment with a 90/10 (stock/bond) allocation. I think I hit a total of two buttons to sync my Betterment account with TurboTax and it took care of everything. The only thing you're measuring here is absolute return vs absolute return. While 0.35% or 35 basis points is nearly 10 times higher than my TSP account, it's still nowhere near the industry average of 1% annual expense ratio. Qualify for 1 Year Managed Free with Betterment’s newest promotions. The foreign stock portion has only returned 4% in the last two years, this is the source of most of the bad performance, while the total US stock portion is up around 17%. Betterment requires no minimum balance and charges a 0.25% annual fee, or about $25 per year for every $10,000 invested, for a regular digital account. It does dividend reinvestment and some tax optimization as well. If Tax Loss Harvesting is enabled on your Betterment account, you may wind up with dozens of taxable transactions over the course of a year depending on how many "bumps" the market takes along the way. I see Betterment as a hands-off investment. When I originally researched the ETF funds offered they were similar to those offered at Vanguard (unsure if this is still the case) and the management fees are very reasonable. VTTSX is Vanguard's Target Retirement 2060, 90/10 global stock and bond indexing, similar to the Betterment portfolio I guess. That's the good. Could you share your thoughts and experience with them? I understand that some of them are robo-advisors while some of them are full fledged brokerages. As of April 2019, Betterment has over $16 billion dollars under management and is one of the largest independent robo advisor on the market.. To help investors make the most of their money, Betterment’s investment methodology is ETF focused. It puts all your retirement accounts into one group to show how much in retirement money you have altogether. There’s no account minimum, no minimum deposit, and you can get up to one year managed free. This site---and their pitch to customers---is not responsible. Betterment provides a historical performance tool that offers somewhat limited investment return data. Here’s Mr. Money Mustache’s review of Betterment, which is what originally sold me: http://www.mrmoneymustache.com/2017/02/01/betterment-cranks-up-features-and-costs-is-it-still-worthwhile/. I should be getting around a $1k refund from overpaying something and I think I am going to throw that in there and see how it does for another 6 months. Your own picks did great this time, but tech did great in the late 90s too before it all fell apart. Just wondering if anyone else has had better luck with Betterment. No complaints. Betterment Everyday Betterment has a savings vehicle named Betterment Everyday – their foray into the banking world. --Their portfolio is unnecessarily complicated IMO; I really would've preferred just a simple 3-fund portfolio. Still, Betterment's fees will be higher than just buying the Vanguard fund in a Vanguard account: https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=1691. ... Retrieved 12/14/2020 ^ Betterment, Explore Betterment's Historical Performance, Retrieved 12/14/2020 ^ Betterment Advice Packages, Retrieved 12/14/2020. If you sync your betterment account with your other accounts (checkings, savings, 401k), it will also make suggestions based on those accounts. Then you can't really compare it to a pure indexing approach, which could be much more diversified and lower risk than your stock-picks. I was pretty upset at their recently announced fee increase. How Wealthfront, Betterment and others manage your money. I originally signed up to test the waters last November. Betterment. Maybe I'm giving the people who frequent here too much credit though ;). Like others have mentioned, the international equities component of the Betterment portfolio dragged down the returns compared to S&P500, etc. That's a good question, but I'll be honest, I'm not a sophisticated investor so I don't know. Edit I can't do math. I have an IRA and taxable individual account with them. I had an account with them before I knew anything about investing. 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