Put investment expertise behind your 401(k)

Benefit from Betterment's proven investment track record to meet your needs and ambitions. We’re an RIA and a fiduciary, bringing decades of expertise to help you provide a better retirement for your employees.

Employees deserve expertise and choice for their retirement.

We understand you’re making an important decision for your employees and their financial future. So we offer a range of investment options to help them build wealth the way they want.

Most like target-date funds.
Curated, expert-built portfolios.

Diversified exchange-traded fund (ETF) portfolios offer a more personalized glide path than traditional target-date funds.
Most like a fund lineup
Build-your-own portfolios.

Customizable fund allocations allow employees to adjust their investments to match their individual risk tolerance. Learn more.
Custom plan menu
Bespoke investments.

Advisors can access nearly 10,000 ETFs, mutual funds, and target-date funds backed by our portfolio management capabilities.

A time-tested methodology

We blend traditional methodology and behavioral science to build globally diversified portfolios that offer a range of investment options for employees to choose from.
Selecting the right assets

Our team chooses cost-efficient ETFs that aim to position your employees for long-term growth potential while managing risk.
Monitoring and adjusting investments

We actively manage and analyze investments, continuously reviewing holdings, performance, and risk to identify and implement improvements.

A more tailored glide path for your employees' retirement.

We automatically adjust investments as employees approach retirement, but we go beyond traditional target-date funds, customizing the shift to each employee's retirement age with flexibility to adapt as their needs change.

Wealth creation

Employees with a longer time horizon can take on more risk, allowing for higher stock allocation to help build wealth while keeping enough bonds to cushion market downturns.
Retirement transition

We gradually shift from growth-focused investments to those that generate income and protect capital.

Wealth preservation

Once the target retirement age is reached, the glide path continues into retirement. The portfolio gradually shifts more towards bonds and reduces stock exposure to manage risk.
Decumulation

The portfolio shifts to its most conservative allocation, prioritizing income generation. We provide ongoing advice on a withdrawal rate to help savings last through retirement.

Risk management through rebalancing

We continually monitor and rebalance investments, keeping each employee aligned with their intended risk level.

Tax-efficient investing

Tools like Tax Loss Harvesting+ and asset location help minimize employees’ taxes and maximize their returns.

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Personalized retirement planning

Employees get in-app planning tools and tailored advice to help them determine how much and where to save for retirement.

For plan sponsors

We offer quarterly investment webinars and engagement opportunities to update you on the market and our investment strategy.
For employees

We offer a personalized retirement plan, recommending how much to save and which accounts to use. We also host webinars and provide educational resources on saving and investing.
For advisors

We provide access to nearly 10,000 assets for clients backed by resources and tools for advisors.

Meet the Betterment Investing Team.

Our expert team provides investment oversight to help you deliver a better retirement for your employees. As your 3(38) fiduciary, we’re legally bound to act in the best interest of your plan, your employees, and their beneficiaries.

Mychal Campos

Head of Investing
Mindy Yu, CIMA^®

Director of Investing, Betterment at Work
John Bentley

Director of Investing

Ben Bakkum, CFA, CFP^®

Sr. Investment Strategist, Betterment at Work
Josh Shrair

Sr. Investing Associate, Betterment at Work
Jamie Lee

Director of Investing
Josh Vieira

Lead Quantitative Researcher

Put investment expertise behind your 401(k)

900,000+

$50+ Billion

Employees deserve expertise and choice for their retirement.

Curated, expert-built portfolios.

Build-your-own portfolios.

Bespoke investments.

Our approach to investing.

A time-tested methodology

Selecting the right assets

Monitoring and adjusting investments

A more tailored glide path for your employees' retirement.

Wealth creation

Retirement transition

Wealth preservation

Decumulation