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Is Betterment a smart way to invest your money? Our detailed Betterment review gives you everything you need to make a sound investing decision.

Betterment Review

Betterment is a different type of brokerage. Most discount brokerages want to get customers to trade as frequently as possible. But Betterment is looking to be your asset manager.

Currently, the brokerage is offering an incentive for new customers. But the way they do business is a bit different than most brokerages you may be familiar with. This uniqueness is evident as early as the account sign-up process.

When you apply for an account with a typical discount brokerage, the application asks about income, net worth, and investment experience. Betterment asks about the goals and purposes of your investments. The service encourages each new account holder to designate a main account goal, like retirement, a major purchase, or a vacation. Betterment will also ask how many years you expect to take to reach that target or the age at which you’d like to achieve a goal.

What is Betterment All About?

The core philosophy for investing with Betterment is the asset allocation. This is the type of simplicity that I’ve seen with 401(k) accounts. These retirement investments often try to take an important concept of investing–asset allocation–and make it simple. This way, busy employees can simply submit a risk profile, and the investment will use this information to determine their ideal mix of stocks and bonds. Betterment takes this concept further, making the process incredibly simple.


Because of this simplicity, Betterment’s fees can be lower than other forms of investing. Although you could have a free account with a discount brokerage and never pay a transaction fee, you may still be subject to fees built into the investments, like expense ratios or front-end load fees. Betterment’s approach is to charge a percentage of your account’s value–or assets under management. This is the custom among professional asset managers who generally work with high-net worth clients.

This fee might depend on how much you invest with Betterment. For those looking to have a hands off approach, the annual fee is 0.25% (digital plan).  For those looking to take advantage of the premium service ($100,000 account minimum) the fee is 0.40%.  The premium service includes everything in the digital package plus in-depth advice on investments outside of Betterment and access to their CFP professionals.

And now for a limited time, Betterment is offering a promotion of up to 1 year managed for FREE.  Six different levels and timelines are available for the bonus; outlined below.

  • $5,000 – $24,999 – 1 month free
  • $25,000 – $49,999 – 2 months free
  • $50,000 – $99,999 – 3 months free
  • $100,000 – $249,999 – 6 months free
  • $250,000 – $499,999 – 9 months free
  • $500,000+ – 1 year free

Investment Management

With Vanguard investing, you’re mostly on your own. You alone decide your asset allocation, and many investors do not consider asset allocation at all. Betterment can be more expensive, but they are also providing a service that, depending on your needs and interests, may be worth the extra cost. At the same time, it’s less expensive than having a dedicated asset manager while offering many of the same features.

You’d have to be a hands-off individual to like the type of service offered by Betterment. You don’t choose your own investments like you would with a typical full-service or discount brokerage. Betterment chooses the investments for you, and their selections are based on a mix of index exchange-traded funds (ETFs). Betterment reinforces the idea that individual investors should not try to beat the market. For the most part, investors fail when they try. And their investments would have fared better had they remained diversified across a broad selection of investments and refrained from changing their risk profile.

Betterment Investments

Betterment‘s investments include baskets. Each basket represents exposure to a type of assets. To help an investment portfolio match a risk profile, the portfolio could include a combination including a stock market basket and a treasury bond basket. Betterment will rearrange the balance between the different stock index ETFs as it sees fit, but investors control the relationship between stocks and treasury bonds through the risk profile.

The treasury bond basket is split evenly between two investments, TIP: iShares Barclays TIPS Bond Fund and SHY: iShares Barclays 1-3 Year Treasury Bond Fund. The stock market basket includes these investments:

  • (VTI) Vanguard Total Stock Market
  • (VTV) Vanguard US Large-Cap Value Index ETF
  • (VOE) Vanguard US Mid-Cap Value Index ETF
  • (VBR) Vanguard US Small-Cap Value Index ETF
  • (VEA) Vanguard FTSE Developed Market Index ETF
  • (VWO) Vanguard FTSE Emerging Index ETF

Betterment IRAs

Previously Betterment’s investing plans were limited to the form of a standard brokerage account. But the service now offers IRAs. You can now use the government-designated accounts for saving for retirement through Betterment’s service. Some of the benefits of owning a Betterment IRA are:

  • IRA fees are a fraction of a standard 401(k) provider
  • You choose your personal risk strategy
  • Betterment regularly rebalances your portfolio

Opening a Betterment Account

Opening my account at Betterment was easy, and they approved my account right away. Like any new financial account accepting electronic deposits from other banks, I needed to confirm my ownership of the linked account through the familiar process of verifying test deposits. I’m waiting for my external checking account to receive the test deposits so I can begin investing with Betterment.

Betterment is a fairly new player in the word of finance. This is an industry where the major companies have been around for a century or more. But Betterment protects your assets just like any other major investment firm. Betterment is a Registered Investment Advisor with the Securities and Exchange Commission and is regulated by FINRA and the SEC. Accounts are insured by SIPC up to $500,000 per owner.

This doesn’t protect investors from having their investments lose value, but it does protect the value if the brokerage were to fail. If Betterment were to go bankrupt or to go into receivership, the insurance coverage would allow you to access your account.

Why Use Betterment?

For the micro-manager, Betterment might not be the perfect way to invest. It’s also not the appropriate service for someone who wants to trade their investments frequently or delve into investing in individual companies. Betterment’s services may be right for investors with the opportunity to save for their future outside of retirement accounts who want the simplicity of diversified investments, risk-based asset allocation, and a buy-and-hold-and-rebalance investing philosophy.

Their published returns are nothing to scoff at, and their fee structure works especially well for smaller investors who are looking to avoid day to day interaction.


The IRS just released IRA contribution limits for 2018. Unfortunately, the limits didn’t change from 2017. The ROTH IRA income limits, however, did change. Here are the details.

You have more time than you might think to contribute to your traditional and Roth IRAs. Rather than an end-of-year deadline, you have until you file your taxes to make that contribution. Federal taxes for 2017 will be due on April 17, 2018, so this is the deadline for establishing and contributing to your 2017 IRA. If you file for an extension, however, your IRA deadline will not be extended; don’t miss the April contribution deadline.

IRA Contribution Limits for 2018

If you’re under age 50 and contributing to your 2017 IRA, the maximum you can contribute to your Traditional and Roth IRAs combined is $5,500. Taxpayers 50 or older can make an additional contribution of $1,000 for 2017 between both types of IRAs for a total of $6,500.

Year Under Age 50 50 and Older Standard Deadline
2018 $5,500 $6,500 April 15, 2019
2017 $5,500 $6,500 April 17, 2018
2016 $5,500 $6,500 April 17, 2017
2015 $5,500 $6,500 April 18, 2016
2014 $5,500 $6,500 April 15, 2015
2013 $5,500 $6,500 April 15, 2014
2012 $5,000 $6,000 April 15, 2013
2011 $5,000 $6,000 April 17, 2012
2010 $5,000 $6,000 April 18, 2011
2009 $5,000 $6,000 April 15, 2010

These contribution maximums are further limited by taxable compensation. If your modified adjusted gross income was only in a given year, that is your IRA contribution limit in that year.

Open an IRA

  • Betterment: Low fees and very easy to get started
  • Ally Invest: $4.95 equity trades
  • Wealthfront: No management fees on the first $5,000

Traditional IRA rules

Contributions to a traditional IRA are tax deductible, but depending on your income and employment situation, the amount that can be deducted from your income varies. Any taxpayer with a filing status of single not covered by a retirement plan from their employer can deduct their traditional IRA contributions in full. For those who are covered by a retirement plan at work, when modified adjusted gross income reaches a certain level, the allowed deduction for traditional IRAs begins to decrease to zero. If you’re in this situation, you can still contribute to a traditional IRA, but you won’t benefit from the tax deduction as much or at all.


Here are the rules for 2017:

  • For single taxpayers covered by a workplace retirement plan, the phase-out range is $62,000 to $72,000, up from $61,000 to $71,000.
  • For married couples filing jointly, where the spouse making the IRA contribution is covered by a workplace retirement plan, the phase-out range is $99,000 to $119,000, up from $98,000 to $118,000.
  • For an IRA contributor who is not covered by a workplace retirement plan and is married to someone who is covered, the deduction is phased out if the couple’s income is between $186,000 and $196,000, up from $184,000 and $194,000.
  • For a married individual filing a separate return who is covered by a workplace retirement plan, the phase-out range is not subject to an annual cost-of-living adjustment and remains $0 to $10,000.

(Source: IRS)


And here are the changes for 2018:

  • For single taxpayers covered by a workplace retirement plan, the phase-out range is $63,000 to $73,000, up from $62,000 to $72,000.
  • For married couples filing jointly, where the spouse making the IRA contribution is covered by a workplace retirement plan, the phase-out range is $101,000 to $121,000, up from $99,000 to $119,000.
  • For an IRA contributor who is not covered by a workplace retirement plan and is married to someone who is covered, the deduction is phased out if the couple’s income is between $189,000 and $199,000, up from $186,000 and $196,000.
  • For a married individual filing a separate return who is covered by a workplace retirement plan, the phase-out range is not subject to an annual cost-of-living adjustment and remains $0 to $10,000.

(Source: IRS)

Roth IRA rules

Your income limits your ability to contribute to a Roth IRA up to the maximum. This is different than the traditional IRA, where income affects tax deductions. Here, income limits contributions. You could be penalized by the IRS if you contribute to your Roth IRA beyond your allowable limit.


Here are the 2017 limits (sources same as above):

The income phase-out range for taxpayers making contributions to a Roth IRA is $118,000 to $133,000 for singles and heads of household, up from $117,000 to $132,000.  For married couples filing jointly, the income phase-out range is $186,000 to $196,000, up from $184,000 to $194,000.  The phase-out range for a married individual filing a separate return who makes contributions to a Roth IRA is not subject to an annual cost-of-living adjustment and remains $0 to $10,000.


And here are the 2018 limits:

The income phase-out range for taxpayers making contributions to a Roth IRA is $120,000 to $135,000 for singles and heads of household, up from $118,000 to $133,000. For married couples filing jointly, the income phase-out range is $189,000 to $199,000, up from $186,000 to $196,000. The phase-out range for a married individual filing a separate return who makes contributions to a Roth IRA is not subject to an annual cost-of-living adjustment and remains $0 to $10,000.

Plan for 2017

An IRA is an important piece of a retirement plan, and it should be high on most people’s priority lists, right below investing in a 401(k) up to the employer’s matching maximum.

If you have a good idea of what your income and tax situation will be in 2017, you can determine how much you can and will contribute to your 2017 IRA throughout the year. A convenient way to contribute is through automatic investments, so you can set it by December 31 and forget about it for the entire year. If you plan to invest in the stock market and don’t want to invest in the IRA with your full year’s contribution at once, you can take advantage of dollar-cost averaging to reduce your exposure to swings in the market.

Set up an automatic transfer from your checking account to your IRA custodian of choice. I use Vanguard for my retirement funds, for example. Because there is no cost to transfer, I would create a plan that places my investment each week. With 52 weeks in a year and a $5,500 maximum contribution, that’s about $105.76 a week or $458.33 a month.

Take Control of Your IRA

Track and Analyze your Investments for Free: The easiest way to track and analyze all your investments, regardless of where they are located, is with Personal Capital’s free financial dashboard. By far the best financial tool we’ve ever used, Personal Capital enables you to connect all of your 401(k), 403(b), IRAs, and other investment accounts in one place. Once connected, you can see the performance of all of your investments and evaluate your asset allocation.

retirement fee analyzer

You can also see the fees you are paying through Personal Capital’s Retirement Fee Analyzer. I was stunned to learn that the fees in just my 401(k) could cost me over $200,000, requiring me to put off retirement for 3 years! They also offer a free Retirement Planner. This robust tool will help you plan for retirement and show you if you are on track to retire on your terms.

retirement planner

Try Personal Capital


Let’s get this out of the way. There is no one best online discount broker for everybody. What will be the best choice for you will depend on many factors. And what works for you may not be the ideal option for somebody else.

best online brokers

We’ve used a number of brokers, including Scottrade, Ally Invest, OptionsHouse, Motif, Vanguard, and several robo advisors. We’ve compiled this list of the best online brokers based on personal experience.

Best Discount Brokers

Let’s start with our top picks by category. Then we’ll look at each option in more detail.

Discount Broker
Stock Trading Cost
Sign-Up Link


Betterment Review


Ally Invest Review


E*Trade Review


Fidelity Review


TradeStation Review


TD Ameritrade Review


Cap One Investing Review

Betterment – Betterment is not your typical discount broker.  They’re a robo advisor that advertises a simple free structure to your investments.  The fee to invest with Betterment is 0.25% annually of your money up to the first $100,000.  Beyond that, the fee is 0.40% annually.  For example, if you invest $200,000 with them, you’ll be charged $250 for the first $100,000 and $400 for the next $100,000.  That means a $650 annual fee; which is substantial for high dollar accounts.

However, there are no trading fees or other fees associated with your account.  Experts choose the investments and Betterment is confident in average annual returns much greater than the fees they charge.  As a bonus, Betterment is offering new account holders some time without fees. The length of time depends on the dollar amounts invested

  • one month free for $10,000 deposited
  • two months free for $25,000 deposited
  • three months free for $50,000 deposited
  • six months free for $100,000 deposited
  • nine months free for $250,000 deposited
  • One full year free for $500,000 deposited

Ally Invest – Ally recognized that TradeKing was one of the greatest online discount brokers and decided to gobble them up.  Not only can you trade with Ally, but you can also open up an online savings, check and CD accounts with the big bank.  Stock trades cost a very low $4.95 per trade and contracts will run you $0.65.  Ally Invest also offers a robo-advisor service for those who aren’t looking to invest themselves.

Unfortunately, Ally Invest does not currently offer any sign-up incentives.  They also do not offer a fee free ETF’s. So while this is a terrific option for low cost trades and robo investing, it lacks a few of the finer details you can find elsewhere on this list.

E*Trade – One of the few online discount brokers that offer volume based pricing, E*Trade was the very first online broker I used back in 2005.  If you’re a high volume trader, trading 30 or more times per quarter, a stock trade is $4.95.  Low volume traders will pay the rate of $6.95 per trade. Options contracts also offer volume pricing, with contracts costing $0.75 a piece at the low volume threshold and $0.50 a piece at the high volume threshold (again, 30 trades per quarter).

There is a $500 minimum to open your E*Trade online discount brokerage account and for a limited time, new accounts can trade commission free for 60 days on a deposit of $10,000 or more.  For those wondering why OptionsHouse didn’t make our list; that platform was sold to E*Trade last year.  The conversion is now complete, so anyone who owned an OptionsHouse account is now a proud member of E*Trade.

Fidelity Investments – If you can make at least 36 trades per rolling 12 month period, Fidelity Investments offers my favorite trading platform -Active Trader Pro.  It has the most advanced trading features for both mobile and desktop users.  You’ll also have access to dedicated trading specialists.  The minimum to open a Fidelity Investments account is $2,500 which is a bit high compared to the $500 minimum most others require.  Their costs are simple: $4.95 per stock trade and $0.65 per option contract.

Fidelity Investments kicks off new account holders with the promise of free trades.

  • Deposit $50,000 and earn 300 free trades for the first TWO years
  • Deposit $100,000 and earn 500 free trades for the first TWO years

Fidelity also offers a wide variety of other accounts, including deposits, credit cards and bill pay.

TradeStation – Straight forward, discount pricing is what you can expect with TradeStation.  All stock trades are $5 and all options contracts cost $0.50.  There are no software fees, no additional trading fees to speak of.  TradeStation includes a top notch trading platform, mobile app and Radar Scanner.  With Radar Scanner, you’ll have the ability to look through a thousand ticker symbols at once, real-time to find patterns and trading opportunities.

One feature that stands out is that for customers who open an account with $500,000 or more, TradeStation will pay a 0.40% APY on the balance of your account.  Most every other discount brokers offers little to no APY on your deposited funds (I could find none greater than 0.01%).  This interest-sharing program is set to expire on December 31st, 2017.

Beyond this feature, there is currently no up-front incentive to open a TradeStation account.

TD Ameritrade – TD Ameritrade offers it’s clientele stock trades for $6.95 a piece.  Options trades will cost $0.75 and if you’re in need of a broker, assisted trades run the rate of $44.99.  Perhaps the greatest feature of owning a TD Ameritrade account is use of their Trade Architect technology.  You’ll have access to streaming news, trading specialists and level two quotes using this platform.

TD Ameritrade offers a great up front bonus for new account holders.  Depending on the amount of your initial deposit, you’ll be rewarded with:

  • Free trades for 60 days on a deposit of $3,000
  • $100 + free trades for 60 days on a deposit of $25,000
  • $200 + free trades for 60 days on a deposit of $100,000
  • $300 + free trades for 60 days on a deposit of $250,000

Capital One Investing – What used to be known as ShareBuilder is now Capital One Investing.  After their purchase of ING, Cap One has launched itself into the online discount broker space with a terrific sign-up bonus. Depending on how much you’re willing to open your account with, you stand to earn between a $50 and $600 cash bonus.  The breakdown of the bonuses (with promo code GET600M17) earned are as follows:

  • $5,000 deposit earns a $50 bonus
  • $15,000 deposit earns a $100 bonus
  • $50,000 deposit earns a $200 bonus
  • $100,000 deposit earns a $300 bonus
  • $200,000 deposit earns a $600 bonus

If however you cannot meet any of those initial deposit amounts, fear not.  Capital One is also offering a free $50 for new account holders after they make their first trade.  When signing up, use promo code M50FT17.

There is no minimum to open a Capital One Investing account and the cost per trade is a play $6.95.  Options contracts will run you $0.75 per contract plus the base commission and if you dare, they’ll offer you a margin rate of 7.75%.  Capital One Investing trading account has no account fees or annual fees.

How to Pick A Discount Broker

Here are the seven key factors to consider:

  1. Cost: The cost of trades is crucial for active traders. Here you want to find the lowest cost broker for the types of trades you make. For those who trade infrequently, like me, the cost is less important.
  2. Trading Frequency: This relates to cost, but it also relates to ease of use. Frequent traders spend a lot of time on their broker’s website. It should be easy to use.
  3. Tools: For technical traders, tools are critical. This is where it’s important to understand the type of investor you are. So you can be sure to get the tools that are most useful to you.
  4. Simplicity: This is the most important feature in my view. You want an online broker that’s easy to use.
  5. Types of Investments: Here it’s important to understand the types of investments you’ll be making. Do you want to invest in mutual funds and ETFs? Or will you be doing a lot of options trading? The answer to questions like these will often dictate which broker is best for you.
  6. Control: Simplicity and control are often mutually exclusive. A robo advisor gives you limited control, but wonderful simplicity. Interactive Brokers, in contrast, gives you wonderful control but far more complexity. There is no “right” answer here. It again depends on the type of trader you are.
  7. Account Type: Most brokers offer all of the basic account types, including various retirement accounts. If you are a small business, be sure to make sure they offer the account type you need. Examples include SEP IRAs and Solo 401ks.

Since I am not an active trader, I don’t actively seek out new discount brokerages. If you have experiences you’d like to share, please leave comments below.


Investing isn’t always easy. Sometimes you need a friendly guide to point you toward opportunities and help you keep things organized.

Sometimes that friendly guide is a robot.

This is the premise of a service called FutureAdvisor. The company essentially provides a robo-advisor that offers automated portfolio management, which users can access online.

FutureAdvisor uses computer algorithms to manage your investments and balance your portfolio. Is FutureAdvisor the tool that do-it-yourself investors have been dreaming about?

The big perk of using a service like this is that it costs significantly less than hiring a human financial consultant to manage your portfolio and offer advice. This means that people who would never seek out professional financial services in the past can now get affordable investing help.

However, an automated service comes with limitations that may turn some customers off. Find out if a robot offers the best way to plan for your future from behind your computer screen in this FutureAdvisor review.

The Philosophy Behind FutureAdvisor

The first thing you’ll do when signing up for FutureAdvisor is fill out a questionnaire. This allows the company to create a customized investment plan according to your needs and goals.

The plan created for you will be based on the following factors:

  • Age
  • Risk tolerance
  • Portfolio size and holdings
  • Desired retirement age

The act of simply sitting down to identify your goals in realistic terms can make a big difference. This tool makes it easy to make your goals a reality, based on your time and resources.

The Benefits of a Free FutureAdvisor Account

FutureAdvisor really succeeds at delivering a tool that makes it easy to organize and manage your investments.

Learn More: Can You Trust Your Financial Advisor? Or Anyone?

One highlight is that the service actually offers a free retirement analysis for users. You can link your investment accounts and receive tailored recommendations based on your portfolio and goals. FutureAdvisor can actually make recommendations for accounts held with any broker.

Another thing that’s refreshing is that the free services offered by FutureAdvisor aren’t simply part of a trial program. You can use of the company’s free services for as long as you’d like without making a commitment to upgrade to a paid account.

What a FutureAdvisor Premium Account Has to Offer

You will have to move to a FutureAdvisor Premium account if you want this program to do some fancy, complicated investing work for you.

FutureAdvisor Premium charges a management fee of 0.50 percent. A paid account gives you access to direct investment management, however, which may be well worth the cost.

One thing worth mentioning is that you will need to have a Fidelity account if you specifically want to receive free management of a 401(k). In addition, a 401(k) must have a minimum balance of $10,000 in order to qualify.

Resource: How to Determine Your 401(k) Fees

One of the real perks of this program is that it offers tax-loss harvesting. This is an important feature because amateur investors in the past couldn’t access this service without working with a professional advisor.

An interesting thing to note is that each trade is monitored by both a real person and the company’s electronic investing algorithm.

A paid FutureAdvisor account gives you access to a team of financial consultants during weekdays. You have the option to chat via live messages, email, or even over the phone. You can also make an appointment with a member of the FutureAdvisor team if you need more complex help.

Of course, you may not want to get highly involved with actual investment professionals. That’s because it offers a low-key, hands-off approach to managing investments, which is attractive to many investors.

FutureAdvisor will monitor and balance your account daily according to market movements, which may be enough for you.

Why FutureAdvisor Might Not Be Your Perfect Financial Match

FutureAdvisor isn’t without its limitations.

One aspect of the program that may disappoint you is that it isn’t open to everyone. FutureAdvisor Premium accounts are only open to people between the ages of 18 and 68. The company is interested in helping younger customers move their way toward retirement instead of managing the assets of people who are already there.

The other big factor that could make FutureAdvisor a poor fit for your needs is that customers need to have at least $10,000 in investable assets. While that may seem like a big number, it is actually significantly lower than the minimum requirement of similar online financial services.

Related: What I Learned as a Financial Planner

Should FutureAdvisor Be a Part of Your Financial Future?

The beauty of FutureAdvisor is that you can start from wherever you are right now. There is no need to transfer accounts or make big changes in order to manage your retirement savings, checking account, stocks, bonds, and CDs, all in one place.

Signing up for a free membership is a low-risk way to get your toes wet in the world of professional investment management. Especially if you’re just getting started with planning your future.

FutureAdvisor provides a nice middle ground between committing to a traditional advising firm and being overly casual with your financial future. This program could help you avoid living with financial regrets later in life, especially if you’re not the type to seek out one-on-one professional advice.


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If you’ve been paying attention to financial news, you’ve probably heard mention of the fiduciary rule. This rule was approved last year under the Obama administration, with the goal of increasing transparency within the investment realm. It was designed to force advisors to suggest investment products to their clients that were more affordable, rather than […]

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Where Can I Buy Bitcoin Online?

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Full disclosure alert, I’m a bit of a bitcoin junkie.  Globally, access to bitcoin is much easier with dozens of funding methods for international investors. However, the US of A has yet to embrace the bitcoin, so being able to buy and sell the cryptocurrency is a lot harder than you might think. When bitcoin started […]

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There are so many different ways to organize, prioritize, and classify your tasks and responsibilities. You’d probably need a couple years just to sort through all of them on your own. You can have an organizer on your computer, your phone, in your pocket, or a notebook. If you’re short of paper, you can just […]

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