How We Invest

Flexible Portfolios

• What is a Flexible Portfolio?

Portfolio Recommendations

• How does Betterment, LLC, a registered investment advisor, invest for 401(k) participants?
• Why does Betterment use ETFs instead of mutual funds like most 401(k) plans?
• How does Betterment recommend how much risk participants take?
• How does Betterment calculate returns?
• What is the difference between mutual funds and ETFs?

Betterment's Socially Responsible Investing Portfolio Strategy

• Can I go back to the Betterment portfolio once I opt into SRI?
• Will the performance of my SRI portfolio deviate from my Betterment portfolio?
• When will this be full SRI?
• How do I enable an SRI portfolio?
• What’s different?

The Betterment Portfolio Strategy

• How does Betterment choose which ETFs to use in the Betterment portfolio?
• What is a glide path, and how does Betterment’s glide path work?