Clik here to view.
ETF Selection For Portfolio Construction: A Methodology
TABLE OF CONTENTS Why ETFs ETF Selection Total Annual Cost of Ownership Mitigating Market Impact Conclusion One of Betterment’s central objectives is to help investors achieve the best possible...
View ArticleClik here to view.
Betterment’s Model for Financial Advice: An Overview
TABLE OF CONTENTS How Betterment Helps You Plan We Plan Despite the Future’s Uncertainty How We Estimate Market Performance How We Estimate Future Tax Rates How We Estimate Inflation Our Commitment to...
View ArticleClik here to view.
Managing Your Allocation As Your Goal Approaches
“Am I holding the right kind of investments in my portfolio?” “Am I taking on too much risk by staying invested in stocks?” “Am I being too conservative by holding bonds?” These are questions that are...
View ArticleWhy The Turbulence In The Stock Market?
Turbulence in the market is normal, especially given several economic precursors that have some explanatory weight on the recent market trends. You’ve probably heard it on the news—we’re “entering the...
View ArticleClik here to view.
How Portfolio Rebalancing Works to Manage Risk
What is rebalancing? Over time, the value of individual ETFs in a diversified portfolio move up and down, drifting away from the target weights that help achieve proper diversification. Over the long...
View ArticleClik here to view.
How Does Betterment Calculate Investment Returns?
Investors often want a simple answer to a seemingly simple question: how is my money doing? While it’s relatively easy to calculate any one performance figure, understanding it and knowing how to use...
View ArticleClik here to view.
Drivers of Investing: Time Value and Compound Interest
Have you ever wondered why banks pay an interest rate? Perhaps the most obvious answer is to entice you to keep your money with them. But, how are they able to pay an interest rate in the first place?...
View ArticleClik here to view.
Investing in Different Assets: What Are Your Possible Choices?
It’s easy to get overwhelmed by the number of new and foreign terms we encounter while investing. In this article, we will provide a basic overview of different types of investments and how you should...
View ArticleClik here to view.
Understanding The Inverted Yield Curve
The economy is on track to have its longest period of economic expansion in U.S. history, meaning that various measures of our country’s economic success are on an upward trend. June of 2019 marked 10...
View ArticleClik here to view.
Why Stock Market News Might Be Misleading You
The end of 2018 may have felt like a stomach-churning time for those of us following closely. Stocks were volatile, and U.S. markets ended the year with an almost 10% drop. Non-U.S. stocks fared better...
View ArticleClik here to view.
Cash Reserve Has A Variable APY: What That Means For You
Our objectives are aligned with yours: we want to grow your money. Cash Reserve is a high-yield account that is different from the savings accounts that you might find at traditional banks. We’re not...
View ArticleClik here to view.
Optimizing Performance in Lower Risk Betterment Portfolios
TABLE OF CONTENTS The Role of Ultra Low-Risk Assets in a Bond Portfolio How we optimize ultra-low-risk bonds to target a higher yield Why Two Low-Volatility Funds Result in Our Ultra-Low-Risk Asset...
View ArticleClik here to view.
Assessing a Portfolio’s Diversification
TABLE OF CONTENTS Why does diversification matter? Understand the Efficient Frontier How We Measure Diversification Offering Feedback in Flexible Portfolios Higher levels of diversification allow you...
View ArticleClik here to view.
The Betterment Portfolio Strategy
TABLE OF CONTENTS I. Prerequisites for a Betterment Portfolio Strategy II. Achieving Global Diversification with a Nobel Prize-Winning Approach to Asset Allocation III. Increasing Value with...
View ArticleClik here to view.
How Portfolio Rebalancing Works to Manage Risk for Your Clients
What is rebalancing? Over time, the value of individual ETFs in a diversified portfolio move up and down, drifting away from the target weights that help achieve proper diversification. Over the long...
View ArticleClik here to view.
How We Built 3 New Socially Responsible Investing Portfolios
It makes sense that some investors try to align their investments with the values and social ideals that shape their worldview. The way you live, the career you choose, and the people you care about...
View ArticleClik here to view.
3 Simple Ways You Could Pay Fewer Taxes If You Have An Investment Account
If you have investments, you might be paying Uncle Sam more than you need to come tax time. Thankfully, there are three things you can do to help keep more of your money in your own pocket. Many...
View ArticleThe Recommended Allocation To Keep Up With Inflation Has Changed
At Betterment, we are routinely evaluating our investment strategies to help you achieve your financial goals. As part of that routine evaluation process, we have recently updated our recommended...
View ArticleClik here to view.
How Much Crypto Should I Own?
Many of us have followed the dramatic rises and precipitous falls of bitcoin, and cryptocurrencies in general, over the past few years. Some may have written them off entirely after 80% declines in...
View Article
