LEARN > choose an ira.
Partnership Disclosure
We might be compensated by one of our IRA partners for an account you open through our platform. This helps us keep the rollover service free, but it never impacts the fees you’ll pay on your new account. We only win if you do, and our job is to help you simplify your retirement accounts. We also help people who already have an IRA account even though we might receive no compensation in these situations—because it’s just the right thing to do!

Betterment IRA Review 2024: Features, Fees, and More

Updated on March 18, 2023

Learn about our Editorial Process

Key Takeaways
  • Betterment is one of the best IRA options for an easy-to-use, low-fee IRA with extensive portfolio customization options, managed entirely for you.
  • If you’re looking for an IRA provider with a physical branch or want the ability to pick specific stocks, bonds, or funds, you may want to consider other providers.
Consolidate all of your old 401(k)s into a Betterment IRA.
Start your 401(k) rollover to a Betterment IRA in just a few minutes.

Betterment Automated IRA Snapshot

Best if you want
An automated, low-fee portfolio from the largest independent online financial advisor. Betterment was a pioneer in providing "set-it-and-forget-it" portfolios for a low-fee.
$4/month for balances under $20,000, and 0.25% annual fee for balances over $20,000. You can also choose to upgrade to Betterment's premium plan with a $100,000 minimum balance which adds 0.15% to the management fee.
What you can invest in
Betterment creates a diversified portfolio of ETFs (Exchange-traded funds) based on your risk tolerance and investment goals.
Access to human financial advisors is only available through their Premium plan, or through purchase of an advice package for the Digital plan.
Account minimum
$10 to get started investing, $0 minimum account balance
Ease of Use
Star filledStar filledStar filledStar filledStar filled
5 stars
Checkmark Pros

• Easy-to-use, low-fee IRA managed for you
• Extensive portfolio customization options
• Offers other financial products like a debit card and brokerage account
• Human advisors are available

Checkmark Cons

• No physical branches for those who like that
• Human advisor access requires an additional fee

Ready to take control of your assets?
Capitalize helps you consolidate your old 401(k)s by rolling them into an IRA of your choosing. Use an existing IRA if you have one, or we’ll help you open one if you don’t.

Compare Betterment IRA Review 2024: Features, Fees, and More to another IRA product

Charles Schwab