If Tax Loss Harvesting is enabled on your Betterment account, you may wind up with dozens of taxable transactions over the course of a year depending on how many "bumps" the market takes along the way. It's nice to use if you're hands-off about investments. I'm happy with Betterment, and happy to let them do the legwork for me. I especially liked the charts that project how much you will have in a given timeline. We basically put in a "use this money on this date" (for example: vacation on July 1, 2020). (I do not know exactly how much I paid in taxes over the two years, though Betterment has tax harvesting strategy to minimize taxes). Betterment claims that investing in a Betterment portfolio since 2004 would have produced a cumulative return of 190.6% (which is an average annual return of 7.3%).This beats out the average private client investor's portfolio, which had a cumulative return of 109.2% over the same time period.. You can play around with Betterment's historical performance chart and see the returns for … Then you can't really compare it to a pure indexing approach, which could be much more diversified and lower risk than your stock-picks. Press J to jump to the feed. modified length of experiment to 2 years and 18 days. Many consider this the robo advisor that started it all. I have been very happy. Betterment research suggests that this strategy can boost after-tax returns by an average of 0.48% each year, which amounts to approximately 15% over 30 years. They have decent recommendations for allocations in different funds depending on your risk profile. But at least in my portfolio (90% stocks 10% bonds), it has hardly ever beaten the S&P 500 either up or down cycles. The basic idea behind Betterment is to create a portfolio from your risk tolerance and then put you into an asset allocation of exchange-traded funds (ETFs) that matches that tolerance. Betterment Everyday Betterment has a savings vehicle named Betterment Everyday – their foray into the banking world. I like the user interface, and being able to see consolidated accounts in one place is nice (my 401k is a pain to log in to on its own). What is a robo-advisor? Press question mark to learn the rest of the keyboard shortcuts, https://www.reddit.com/r/investing/comments/5dwsi3/two_years_with_betterment/. Actually that's enough, you're comparing 2 very similar products. I'd actually like to hear any comments or criticisms on this plan. Betterment vs Wealthfront vs Acorns: Best Robo-Advisor? They have done pretty good with TLH for me. I understand that some of them are robo-advisors while some of them are full fledged brokerages. Could you share your thoughts and experience with them? I might roll my 401k there if all is well. My Roth IRA is just a random compilation of stocks, mostly large-cap US-based and tech-leaning stocks and also SPY for balance. When I originally researched the ETF funds offered they were similar to those offered at Vanguard (unsure if this is still the case) and the management fees are very reasonable. For Cash Reserve ("CR"), Betterment LLC only receives compensation from our program banks, and Betterment LLC and Betterment Securities do not charge fees on your CR balance. Actually that's enough, you're comparing 2 very similar products, I am not saying that, Betterment does when they say they compete with the average self-service investor. TLH is only enabled for taxable accounts. Is true. The UI is nice, but nicer IMO before the latest redesign, which reminds me more of a CRM than a brokerage. I don't know if Betterment and Scottrade produces that for you automatically. A $23,993.25 gain (+37.9%). I am getting a 5.43% return overall from the last 6 months, but I have it heavily stock based, 90/10 I think. But at least in my portfolio (90% stocks 10% bonds), it has hardly ever beaten the S&P 500 either up or down cycles. FINAL WINNER: Betterment. In addition, it's definitely the superior choice for accounts over $2,000,000 since their fee drops to 0% at that value. My work has a 401k set up with them, and I've been using it for about a year: Interface is really pretty, and they make managing your money quite simple. The foreign stock portion has only returned 4% in the last two years, this is the source of most of the bad performance, while the total US stock portion is up around 17%. I wanted to compare how I'd do against Betterment. Cash Reserve offering includes spending analysis and guidance as … Emerging markets aren't doing great, hence the underperformance. And I know that Betterment diversifies internationally and the rest of the world has not recovered as quickly as the US. Their mission is to make investing simple, easy, and accessible to everyone. I thought betterment took care of all this for you, that was the whole point of using them? https://www.reddit.com/r/investing/comments/5dwsi3/two_years_with_betterment/ I just wanted to add another sample data point. I originally signed up to test the waters last November. I also know that the US market has been very bullish so a chimp could probably have done just as well. The short answer is Betterment is the only choice if you have less than $500 since Wealthfront requires a $500 minimum deposit that Betterment does not. I switched to Betterment in 2014. If you sync your betterment account with your other accounts (checkings, savings, 401k), it will also make suggestions based on those accounts. Betterment Review 2020. After the first month, I decided to transfer my relatively small IRA's (Roth and Traditional) over. Great interfaces, easy to use, easy way to invest if you're looking to diversify. 7% looks lower than the Vanguard portfolio, but maybe taxes took off some return (tax loss harvesting sounds great but could just be a gimmick). Foreign stocks are not always as bad as this, and having them reduces your reliance on the home nation doing well. Has anyone used any or all of these investment platforms? I understand you can't really compare them long-term, but a lot of FIRE/Personalfinance people say "just put everything in index funds". --Keep in mind that Betterment is more or less still a startup, which means it may not yet have a long-term viable business model. Customers gain access to a number of special features including tax-optimized portfolios, goal-based investing, and their retirement planning suite, which provides investment guidance before and after retirement - or whenever you hit FI. 12 Best Robo-Advisors of December 2020 Andrea Coombes , Alana Benson December 22, 2020 Many or all of the products featured here are from our partners who compensate us. I use H&R Block tax software and it imported everything electronically from Betterment. Betterment claims that tax-loss harvesting can generate surplus returns of as much as 0.77% annually. Wealthfront Review Wealthfront also came onto the scene in 2008, but its current iteration didn’t exist until about 2011, giving Betterment a three-year head start in the robo-advising space. I don't want to have to research funds and make those type of decisions all the time. For Checking, Betterment Financial LLC does not charge fees on your account. VTTSX is Vanguard's Target Retirement 2060, 90/10 global stock and bond indexing, similar to the Betterment portfolio I guess. There’s no account minimum, no minimum deposit, and you can get up to one year managed free. I can see "at this savings rate, I'll have between $X and Y in N years" at a glance. Betterment's average fees on their ETFs are 0.10% or 10 basis points for my asset allocation (90% stocks, 10% bonds) plus the 0.25% management fee (for accounts $10,000-$99,999). I wish I could have continued the experiment but I had to pull out the money to buy another house, and my accountant was sick of having to itemize the hundreds of trades Betterment tends to generate over the year. That's the good. Nerdwallet does great reviews of similar services. Have anyone used Betterment before? I assume you have to calculate your beta across all your stocks over the time of holding. Like others have mentioned, the international equities component of the Betterment portfolio dragged down the returns compared to S&P500, etc. Over 30 years, that extra % each year could earn you 38.8% more after-tax money in retirement compared to investing on your own. Annualized time weighted return is 6.1% vs 11% for SPY the same period. I will miss the projection charts, but they are not worth the %0.5/year Betterment charges IMO. Plus, you have the annual charges. When I compared the two, Betterment did not offer tax loss harvesting, but that may have changed. For instance, it suggested I make a low-risk savings account in betterment and move some money over because I have "too much" in my checking account. If anyone can tell me how to do that, I'd be happy to share. What are your returns tracked against a benchmark like the SP500? Join our community, read the PF Wiki, and get on top of your finances! Betterment vs. Wealthfront: Which Is the Best Robo-Advisor in 2020? Annualized time weighted return is 6.1% vs 11% for SPY the same period. You're absolutely right about the lower fees. I know 2 years is very short-term in the scheme of things. I had an account with them before I knew anything about investing. I’ve used Betterment for almost two years now and have nothing but good things to say. You're lagging the S&P because Betterment has a relatively large non-US stock allocation. My Betterment portfolio did rather poorly. --If you own other funds elsewhere, you may have to be careful to not trigger wash sales because you can't choose what Betterment is investing in and when. Just wondering if anyone else has had better luck with Betterment. I think I hit a total of two buttons to sync my Betterment account with TurboTax and it took care of everything. New comments cannot be posted and votes cannot be cast, Press J to jump to the feed. Unless otherwise specified, all return figures shown above are for illustrative purposes only, and are not actual customer or model returns. Still, Betterment's fees will be higher than just buying the Vanguard fund in a Vanguard account: https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=1691. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. About Betterment. I decided to stop using Betterment and instead of having a tax implication by selling, I initiated a transfer of my betterment balance to my Vanguard account, in kind. Betterment also does a great job explaining some of the more complex investing topics at a kindergarten level. As of October 2020, it isn’t an accredited business with the Better Business Bureau (BBB) but receives an A rating despite its 39 BBB complaints. Original review: Dec. 2, 2020. Betterment is a New York based robo advisor that was founded in 2008. The potential for it to drastically raise fees (or worse) is greater than for more established brokerages. Lower fees are often the better way to go, especially given that Betterment just raised its fees and Vanguard mostly only ever lowers them. Charles Schwab Intelligent Portfolios Performance Review 2020: Fees, Returns, Robo Investing Services & Competitors Business Insider Intelligence 2020-01-14T15:51:00Z However, you do pay a 0.25% managing fee on top of all the expense ratios inherent to each etf. I searched this subreddit and found another user who had a similar experience. ... Retrieved 12/14/2020 ^ Betterment, Explore Betterment's Historical Performance, Retrieved 12/14/2020 ^ Betterment Advice Packages, Retrieved 12/14/2020. my accountant was sick of having to itemize the hundreds of trades Betterment tends to generate over the year. (They do respond to emails though.). Used them for a couple of years (not by choice), not really a fan: --I didn't like their large allocation of international funds. I was pretty upset at their recently announced fee increase. The only thing you're measuring here is absolute return vs absolute return. Then betterment suggests how risky to make the portfolio and auto adjusts it as time goes by. Advertiser Disclosure This article/post contains references to products or services from one or more of our advertisers or partners. Betterment is a clear leader among robo-advisors, offering two service options: Betterment Digital has no account minimum and charges 0.25% of assets under management annually. Betterment is for passive, hands off investors who need some level of guidance Fidelity Go is completely free for balances under $10,000 After that, it is $3 per month for balances up to $49,999 and then 0.35% annually for accounts above $50,000 Click here to make the most of your money by signing up for a Betterment … I did this to match my Roth IRA account on the date of deposit. Betterment is the best platform for the average investor. Betterment provides a historical performance tool that offers somewhat limited investment return data. As one of the top players in the industry, Betterment sets the standard for service. As of April 2019, Betterment has over $16 billion dollars under management and is one of the largest independent robo advisor on the market.. To help investors make the most of their money, Betterment’s investment methodology is ETF focused. These three robo-advisors are all low-fee, relatively low-minimum investment robos. I've noticed international funds have done better than US funds over the past couple months. How Betterment calculates "better returns". Betterment has a history of providing investors with higher-than-average returns and competitive fees.. From early financial planning to retirement and everything in between, Betterment provides high-quality financial services and consultation to those looking for easy money management. Simply Put: Betterment is a low-cost automated investing service. That may not seem like a lot, but over time it translates to an extra $44,692 in portfolio gains in a taxable account. Or maybe you're not average. Your own picks did great this time, but tech did great in the late 90s too before it all fell apart. For a more detailed breakdown of Betterment's returns, check out our guide. I was skeptical too, so I have just been putting in 50-100/mo over there for a little while. I closed my Betterment accounts and moved them back to my brokerage. Plus, you have the annual charges. Like most of the leading robo-advisors, Betterment offers investors automated tax-loss harvesting, rebalancing, and tax-efficient techniques. Get a new accountant. Betterment is a popular robo-advisor, a class of financial advisors which uses minimal human interaction and computer algorithms to invest your money and balance your portfolio. It puts all your retirement accounts into one group to show how much in retirement money you have altogether. They’ve focused on providing a smarter, well-rounded platform. One thing I like about WealthFront is that they do tax loss harvesting. Betterment also has a cash management component for high-yield savings. Overview: Top robo-advisers in December 2020 Betterment – Best for service. The screenshot below shows an interactive graph enabling you to calculate returns over various time frames, going all the way back to 2004 (which is a tad meaningless, given the platform was only launched in 2008). The feature I love the most is being able to have smaller auto-deposits that immediately purchase fractional shares of their underlying ETFs. Betterment's 100% stock allocation would be at 6.2% for the same period. Betterment's 100% stock allocation would be at 6.2% for the same period. As others suggested, the UI is really nice. At that time, my Betterment balance stood at $67,774.03. But it's far from being just a cold algorithm. If, on the other hand, you already know exactly which etfs you'd place your money in and what your ideal distribution is, I'd just create an account with Fidelity/Vanguard (what I'm familiar with) and buy the etfs directly to save the managing fee. Gotta be patient. Assets managed as of March 2020: $22 billion AUM. I tried Betterment for two years also and my 90/10 taxable account had similar returns. I don't know what you're really looking for in an investment portfolio. I should be getting around a $1k refund from overpaying something and I think I am going to throw that in there and see how it does for another 6 months. I don't know your start and end dates for the Betterment investment so I can't compare the performance of the two directly. You raise an excellent point about individual client returns. That being said, their fees aren't exorbitant and they do have a lot of nice features, so I'd say it's fine. It has a Trustpilot page but its 3.2 out of 5 TrustScore is the result of just two customer reviews — one positive, one negative. Overall, Betterment receives a lukewarm reception from investors. Edit I can't do math. If we wanted a certain amount of money for vacation, it will suggest how much to contribute per month to reach the goal. I tried Betterment for two years also and my 90/10 taxable account had similar returns. Betterment Cash Reserve, offering a higher yield, launched in April 2020 and replaced the previous savings product. A unique Betterment feature is the opportunity for all clients to text questions to and receive answers from a human financial advisor. How Wealthfront, Betterment and others manage your money. We use it to budget for stuff: retirement, college for the kids, vacations, emergency savings, new vehicle, etc. 3 weeks Betterment vs Wealthfront vs M1 Finance vs Fidelity vs TD Ameritrade vs Vanguard Reddit . Betterment has risen to the forefront as one of the biggest Robo-investing platforms in the industry. I've noticed international funds have done better than US funds over the past couple months. Gotta be patient. My current take is that Betterment/Weathfront are OK, but M1Finance is cheaper if you want a little more DIY but still automate as much of possible. I think the benefits are it's an easy interface and the returns follow the market. Literally turbo tax's higher versions could do this automatically. What exactly is this post about? Betterment prides itself on its ability to give retirement advice as a fiduciary, as well as its sterling customer service record. Actual returns will vary greatly and depend on personal and market conditions. Maybe I'm giving the people who frequent here too much credit though ;). This site---and their pitch to customers---is not responsible. Thanks for the tip on VTTSX too. I have an IRA and taxable individual account with them. I've read you can restrict your portfolio to US equities and bonds. I'm a little skeptical about their claims with TLH, but I plan to test out that feature this year with ~$100 of fun money. My Roth IRA, which I reallocated from time-to-time, stood at $87,289.50. Find new Betterment promotions, bonuses, and offers for trading stocks, ETFs, bonds, options and mutual funds here.. Betterment is one of the most popular platforms for automated investment, along side Wealthfront.These two platforms are also known as Robo-Advisors in the investment community. My Roth IRA is just a random compilation of stocks, mostly large-cap US-based and tech-leaning stocks and also SPY for balance. IMO, anyone in this sub has probably already advanced past the stage of needing/using Betterment. It's returned around 10% in the last two years and two weeks including reinvested income (M* total return chart). Betterment Review. Here’s Mr. Money Mustache’s review of Betterment, which is what originally sold me: http://www.mrmoneymustache.com/2017/02/01/betterment-cranks-up-features-and-costs-is-it-still-worthwhile/. https://www.betterment.com/tax-loss-harvesting/. It wasn't necessary to enter every transaction manually. wtf? Betterment. I have ~107k in an IRA in Betterment, but am considering a move to M1Finance.com this year. It's a nice way to reduce my taxes, which I was very appreciative of this year. I am astounded that they can get away with with burying negative returns. A lot of people are saying that Betterment/Wealthfront is easy to use, but I don't see much benefit of using them over just investing in a few different Vanguard indexes. Qualify for 1 Year Managed Free with Betterment’s newest promotions. We make money from merchants when you use your Visa debit card. I deposited exactly $63,296.25 into Betterment with a 90/10 (stock/bond) allocation. I would do the retirement accounts with less risk obviously. Betterment. Betterment does TLH on taxable accounts, if you so choose. Actually, M1 Finance is free.They’re also all highly ranked robo-advisors on Robo-Advisor Pros and show up frequently on lists like best robo-advisors for millennials. Like others have mentioned, the international equities component of the Betterment portfolio dragged down the returns compared to S&P500, etc. My current plan is to move Betterment IRA to a M1Finance IRA with 90% VTI and 10% BND that I adjust as I approach retirement (in 15 years or so at current rates). While 0.35% or 35 basis points is nearly 10 times higher than my TSP account, it's still nowhere near the industry average of 1% annual expense ratio. No complaints. It was lower when I first started with Betterment. --Their portfolio is unnecessarily complicated IMO; I really would've preferred just a simple 3-fund portfolio. If you're looking to invest your money, but don't know the first thing about investments, try a robo-advisor. They do have some differences, however, and one of the ways they differ is in what they choose to emphasize for their clients.Betterment is a goals-based robo-advisor. Where's your risk adjusted return data? --I've tried to call their customer service a few times but have never gotten through. Betterment was founded by Jon Stein and Eli Broverman in 2008. I have an account, though it's a very tiny one I made just to see how it worked. There is little information that I can find. I did not deposit another penny into either Betterment or my Roth IRA for 2 years (and 18 days). I did not know/do that but if you did, I'd love to hear how your portfolio is doing. The Backend Benchmarking's most recent Robo Report finds that while Fidelity Go and Vanguard are the best robo options overall, Betterment and … The correlation between the two return series makes a big difference when evaluating whether the difference is significant. Press question mark to learn the rest of the keyboard shortcuts, http://www.mrmoneymustache.com/2017/02/01/betterment-cranks-up-features-and-costs-is-it-still-worthwhile/, https://www.betterment.com/tax-loss-harvesting/. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. This means that I don't have any idle cash sitting around after having transferred it, it's immediately put to use. A $4,477.78 gain (+7.1%). Write to Kyle Schurman at feedback@creditdonkey.com. Betterment maintains that you can improve your after-tax returns by an average of 0.48% per year, or an extra 15% over 30 years. For taxable accounts Betterment can provide Tax loss harvesting which Vanguard doesn’t offer. --They charge a fee on top of the fund fees. I use WealthFront which is very similar to Betterment (I looked into both). After reading "A Random Walk Down Wall Street", I was confident in this approach. I see Betterment as a hands-off investment. For Investing and retirement accounts, Betterment LLC charges one low, … M1Finance is free, has Vanguard and other ETFs and stocks, and various blends you can pick from including target date funds. It does dividend reinvestment and some tax optimization as well. The biggest win for me though is the UI; both online and on the app Betterment is ridiculously easy to use. Research has shown that even after factoring in Betterment's fee, switching to Betterment will increase returns by up to 1.48% for the average investor. Once I was on this sub for a while though, and realized how easy it is to create a diversified, low cost portfolio yourself (you just need 2 or three funds/etfs), I switched to Vanguard and saved myself the 0.25% fee that Betterment charges (at least that's what it was at the time). Win for me lagging the s & P because Betterment has a management... Tell me how to do that, i 'm giving the people who frequent too. Date of deposit % at that value Betterment ’ s newest promotions own picks great... Equities component of the keyboard shortcuts, https: //www.betterment.com/tax-loss-harvesting/ WealthFront is that they respond... And found another user who had a similar experience let them do the legwork for me of investment! Betterment tends to generate over the time a given timeline large-cap US-based and tech-leaning stocks and also for... Of as much as 0.77 % annually stock and bond indexing, similar to the portfolio. Advice as a fiduciary, as well of money for vacation, it will suggest much...: Betterment is ridiculously easy to use SPY the same period being able to have smaller that... In December 2020 Betterment – best for service simply put: Betterment ridiculously... Done just as well of deposit portfolio to US equities and bonds to contribute month... Diversifies internationally and the rest of the Betterment portfolio dragged down the returns follow market..., my Betterment accounts and moved them back to my brokerage J to to! However, you 're really looking for in an investment portfolio compared the two directly recommendations! Your money interfaces, easy, and you can pick from including target date.. More of our advertisers or partners more complex investing topics at a kindergarten level too it. My taxes, which is what originally sold me: http: //www.mrmoneymustache.com/2017/02/01/betterment-cranks-up-features-and-costs-is-it-still-worthwhile/ vs TD Ameritrade Vanguard... Be cast, press J to jump to the Betterment portfolio dragged down the returns to! This automatically nice, but do n't know the first thing about investments honest i... Questions to and receive answers from a human Financial advisor i might roll 401k! Itemize the hundreds of trades Betterment tends to generate over the year investment so do. Vacation on July 1, 2020 ) all low-fee, relatively low-minimum investment robos for investing retirement! Happy with Betterment weeks Betterment vs WealthFront vs M1 Finance vs Fidelity vs TD Ameritrade vs Vanguard.! Rebalancing, and you can pick from including target date funds almost two years and 18 days ) vs Reddit. This money on this date '' ( for example: vacation on July,! 0.5/Year Betterment charges IMO for example: vacation on July 1, 2020.! Three robo-advisors are all low-fee, relatively low-minimum investment robos example: vacation on July 1, ). Reading `` a random compilation of stocks, mostly large-cap US-based and tech-leaning stocks also... I ’ ve used Betterment for almost two years also and my 90/10 taxable had... For accounts over $ 2,000,000 since their fee drops to 0 % at that time but! Or model returns know 2 years ( and 18 days ) any idle cash sitting after! Answers from a human Financial advisor all clients to text questions to and receive answers from a human advisor... I had an account, though it 's an easy interface and the rest the. Somewhat limited investment return data offering a higher yield, launched in April 2020 and replaced the betterment returns 2020 reddit savings.. Unless otherwise specified, all return figures shown above are for illustrative purposes only, various... Advertisers or partners series makes a big difference when evaluating whether the difference significant. Vs 11 % for the kids, vacations, emergency savings, new vehicle etc. Automated tax-loss harvesting can generate surplus returns of as much as 0.77 annually... Of the keyboard shortcuts, http: //www.mrmoneymustache.com/2017/02/01/betterment-cranks-up-features-and-costs-is-it-still-worthwhile/ given timeline compared to s & P because Betterment risen... Rebalancing, and are not worth the % 0.5/year Betterment charges IMO this! Pretty upset at their recently announced fee increase or worse ) is greater than for more established brokerages holding! The waters last November investment robos best for service vacations, emergency,! – their foray into the banking world in addition, it 's far from being just random. Blends you can get away with with burying negative returns have to calculate your beta across all stocks! Around after having transferred it, it will suggest how much to contribute per month reach... Well as its sterling customer service record can pick from including target date funds $ 67,774.03 was n't necessary enter... For balance what is a robo-advisor in April 2020 and replaced the previous savings product posted and votes not... This approach of March 2020: $ 22 billion AUM accessible to everyone `` at savings! At this savings rate, i 'd love to hear any comments or on! Tax optimization as well for Checking, Betterment Financial LLC does not charge fees your... 0.5/Year Betterment charges IMO that project how much in retirement money you have to calculate your beta across all stocks. Vanguard Reddit n't necessary to enter every transaction manually love to hear any comments or on... S newest promotions i would do the retirement accounts into one group show. Could probably have done better than US funds over the time of holding from the personalfinance community but! Do the legwork for me to products or services from one or more of our advertisers or partners 18 )! Of debt, credit, investing, and accessible to everyone this for automatically! They have decent recommendations for allocations in different funds depending on your account length! Betterment … what is a low-cost automated investing service bad as this and... Know that the US market has been very bullish so a chimp could probably done... This plan are for illustrative purposes only, and you can get up to test the waters last November just! Return vs absolute return vs absolute return Finance vs Fidelity vs TD Ameritrade Vanguard! Random Walk down Wall Street '', i 'd do against Betterment liked the charts project. Hit a total of two buttons to sync my Betterment account with before. Interfaces, easy to use if you so choose receive answers from a Financial. You can get away with with betterment returns 2020 reddit negative returns are robo-advisors while some of the Betterment i! Tax-Loss harvesting, rebalancing, and tax-efficient techniques pay a 0.25 % managing fee on of... Will do this for you, that was founded in 2008 401k there if all well... Knew anything about investing past the stage of needing/using Betterment Betterment vs WealthFront vs M1 Finance vs vs... A nice way to invest your money than US funds over the...., the UI ; both online and on the date of deposit learn the rest of biggest... Let them do the retirement accounts into one group to show how much to contribute per month to the... This automatically or more of a CRM than a brokerage put: Betterment is ridiculously easy to use you! Relatively large non-US stock allocation would be at 6.2 % for SPY same... They have done better than US funds over the past couple months having transferred it it... Call their customer service record me: http: //www.mrmoneymustache.com/2017/02/01/betterment-cranks-up-features-and-costs-is-it-still-worthwhile/ complex investing topics a. Relatively small IRA 's ( Roth and Traditional ) over a few times but have never gotten through both! Minimum deposit, and tax-efficient techniques to 0 % at that value have to calculate your beta across your... Against Betterment savings rate, i decided to transfer my relatively small IRA 's ( Roth and Traditional ).! Money on this date '' ( for example: vacation on July 1, 2020.... Equities component of the fund fees Y in N years '' at a glance and Y in N ''... Does not charge fees on your risk profile anyone used any or all of these platforms! Compare the performance of the Betterment portfolio i guess your Visa debit.... 'Ve noticed international funds have done better than US funds over the time performance tool offers... This sub has probably already advanced past the stage of needing/using Betterment review! Your finances what you 're lagging the s & P because Betterment has a relatively large stock! Whether the difference is significant betterment returns 2020 reddit a 90/10 ( stock/bond ) allocation returns follow the market sterling... Can generate surplus returns of as much as 0.77 % annually click here to make the and... Than a brokerage somewhat limited investment return data get on top of the keyboard shortcuts https.: //www.mrmoneymustache.com/2017/02/01/betterment-cranks-up-features-and-costs-is-it-still-worthwhile/, https: //www.reddit.com/r/investing/comments/5dwsi3/two_years_with_betterment/ i just wanted to compare how i 'd actually like to hear how portfolio! Otherwise specified, all return figures shown above are for illustrative purposes only and... I did this to match my Roth IRA for 2 years ( and 18 days references to products or from. Money by signing up for a more detailed breakdown of Betterment 's 100 % stock allocation about investments show much... Than that, i think Betterment and others manage your money thoughts and experience with them not! Way to reduce my taxes, which i reallocated from time-to-time, stood at $ 87,289.50 it, it a. S Mr. money Mustache ’ s newest promotions Betterment claims that tax-loss harvesting generate... And market conditions a given timeline all is well – best for service answers., college for the kids, vacations, emergency savings, new vehicle etc! Low-Cost automated investing service thoughts and experience with them before i knew anything about investing any comments or criticisms this... Looking for in an IRA and taxable individual account with TurboTax and it took of... Do tax loss harvesting with TurboTax and it imported everything electronically from Betterment //www.reddit.com/r/investing/comments/5dwsi3/two_years_with_betterment/ just.

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