Now available: Dimensional Funds on Betterment for Advisors. Learn more

Built on Nobel



The Betterment portfolio is a globally diversified mix of exchange-traded funds, chosen to help your clients earn better returns at various levels of risk. Read more about our selection methodology.

Your clients can invest in thousands of companies across the world.

The Betterment core portfolio can benefit from growth in both developed and emerging markets, so you're less exposed to the economy of any one country.

See a complete list of our stock ETFs and bond ETFs.


U.S. Total Stock Market

US Total Stock Market contains broad exposure to the historically strong long-term growth of the U.S. economy.

U.S. Large-Cap Value Stocks

US Large-Cap Value stocks overlap with the U.S. Total Stock Market, but are included to tilt the portfolio toward large size companies with low price-to-earnings ratios.

U.S. Mid-Cap Value Stocks

U.S. Mid-Cap Value stocks overlap with the U.S. Total Stock Market, but are included to tilt the portfolio toward medium size companies with low price-to-earnings ratios.

U.S. Small-Cap Value Stocks

U.S. Small-Cap Value stocks overlap with the US Total Stock Market, but are included to tilt the portfolio toward small size companies with low price-to-earnings ratios.

International Developed Stocks

Developed Markets stocks provide exposure to a diverse set of companies from international developed economies including the UK, Europe, Japan, and others.

Emerging Market Stocks

Emerging Markets provide higher return potential and diversification, but they come with higher risk compared to U.S. or International Developed stocks.


Short-Term Treasuries

This extremely low-risk asset class is a cash alternative that generates nominal benefit through interest payments, and de-risks the portfolio at safer allocations.

Inflation Protected Bonds

This allocation serves to insulate a part of the portfolio from the depreciating effects of inflation while also having historically low correlation with other asset classes.

U.S. High Quality or Municipal Bonds

For fixed income with slightly higher risk and returns than U.S. Treasuries, taxable accounts use Municipals and IRA and 401(k) accounts use U.S. High Quality bonds.

U.S. Corporate Bonds

Corporate bonds generally offer attractive yields and opportunity for capital appreciation to compensate investors for default risk.

International Bonds

International Bonds have high credit quality and provide interest rate diversification for a bond portfolio, resulting in higher risk-adjusted returns.

Emerging Markets Bonds

Emerging Markets Bonds are dollar-denominated bonds issued by governments with economies that are rapidly growing and industrializing.

Low Costs

Expense ratios well below the industry average.

Low Taxes

Funds that are typically the most tax-efficient.

Optimal Risk

Exposure across domestic and international markets.

Allocate assets for optimal performance.

How your clients' money is spread across stocks and bonds can impact your long-term returns. We'll recommend how much risk your clients should take on based on when they'll need the money.

Historically better results.

Betterment would have outperformed the average private client investor in almost all periods over the last decade. Learn more about how we determined this.

Socially Responsible Investing

Socially responsible portfolio option available.

Now your investments can work as hard for your clients' personal values as they do to maximize their money. Our Socially Responsible Investing (SRI) portfolio helps your clients invest in a low-cost, globally diversified portfolio that reduces their exposure to companies with low social, environmental, and governance impact.

SIPC logo

Member of Securities Investor Protection Corporation

Betterment Securities is a member of SIPC. Securities in your account protected up to $500,000. For details, please see

Looking out for investors' accounts is a legal duty.

Regulated by the SEC and a member of FINRA, our Broker-Dealer, Betterment Securities, follows a strict set of rules, designed to protect our investors' accounts.