betterment

 

Betterment is for everyone looking for a better way to save and invest, combining the simplicity and liquidity of online banks with the higher returns of investing. Customers don’t worry about picking investments because at Betterment there are only two portfolios: a broadly diversified stock portfolio and an inflation protected Treasury bond portfolio. Setting the allocation between these two portfolios is the single investment choice Betterment customers make—and that is important, because this particular choice accounts for 80% of the variance in portfolio outcomes and because cognitive psychology research has shown that fewer choices lead to better decisions.