Betterment is a simple, smart, turbo-savings account that links directly to your checking account and works much like an online bank, except that your money is seamlessly invested in higher-yielding assets.

Betterment is for everyone looking for a better way to save and invest. Betterment combines the simplicity and liquidity of online banks with the higher returns of investing. Customers don’t worry about picking investments because at Betterment there are only two portfolios: a broadly diversified stock portfolio and an inflation protected Treasury bond portfolio. Setting the allocation between these two portfolios is the single investment choice Betterment customers make—and that is important, because this particular choice accounts for 80% of the variance in portfolio outcomes (it’s much more significant than less meaningful distinctions like value vs. growth, or domestic vs. international), and because cognitive psychology research has shown that fewer choices lead to better decisions.

Betterment customers don’t have to speak the language of finance because we give them the information they need in plain English and denominate transactions in dollars. There is no minimum account or deposit size. Customers can add or withdraw from their linked account at any time. On the back-end, customer assets are seamlessly invested into portfolios of liquid ETFs with low expenses, chosen by our investment committee according to the most reliable investing theories, passively managed, and rebalanced at least quarterly. Information about specific holdings is readily available, yet not required reading.

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