Logo
Log in Get Started
  1. Betterment for Business
  2. How We Invest

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?

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?
Betterment for Business Resources Pricing

This website is operated and maintained by Betterment LLC, an SEC Registered Investment Advisor. Terms & Legal Privacy Policy Trademark.

How Betterment calculates "better returns". Unless otherwise specified, all return figures shown above are for illustrative purposes only, and are not actual customer or model returns. Actual returns will vary greatly and depend on personal and market circumstances.

401(k) plan administration services provided by Betterment for Business LLC. Investment advice to plans and plan participants provided by Betterment LLC, an SEC registered investment adviser. Brokerage services provided to clients of Betterment LLC by Betterment Securities, an SEC registered broker-dealer and member FINRA/SIPC. Betterment LLC and Betterment Securities are affiliates of Betterment for Business LLC.

Investments: Not FDIC Insured • No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and Betterment's charges and expenses. Past performance does not guarantee future results, and the likelihood of investment outcomes are hypothetical in nature. See full disclosures for more information. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Betterment Securities is not registered.

See how we determine the largest independent online financial advisor.

The information provided by Betterment Support is educational only and is not investment or tax advice.

© Betterment Holdings Inc.