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Betterment: The Easiest Way to Start Investing Today

June 9, 2016
AUTHOR: Emilie
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When I graduated college, not all that long ago, I didn’t really know what to do with my graduation money. I was moving to a new city, unemployed for the summer (at training camp for my post-grad fellowship but not generating income), trying to balance everything else. I knew very little about money and had a history of poor money management, spending way more than I should have throughout college. I spent money because I had it and rarely thought ahead! I’m not proud of my financial behaviors in the past, but if I’m not 100% honest with you then I’m not painting a true picture of my financial history.

Still, at a loss for what to do with that graduation money and not averse to debt, I put that money into a retirement account knowing that the trick to retirement was about starting early! I was so not-debt-averse that instead of using the money I had to put a down payment on my apartment and move and do all those things I needed, I took out my Upstart loan for exactly that! I look back sometimes and shake my head wondering where it was, but with no financial background, I’m glad that at least I got my act together before I found myself it too much a whole.

Nonetheless, when I had that money I knew I wanted to put into retirement, I was a little lost about the best way to start. I knew I wanted a Roth IRA because that’s what my uncle said. I had no clue where to start when I saw an add for Betterment on TV. I’m always skeptical of TV ads, but after reading reviews online and talking to friends with positive experiences, I took the plunge. I signed up for Betterment with my friend’s referral link (here’s mine: and transferred $5500, the most I can put in for a year, from my checking to my Roth IRA. That was almost a year ago.

I decided to check in on my balance and boy was I happy! I deposited $5500 into my account on September 17th and 18th. Since then my account has grown $321 dollars after fees with basically no work on my behalf! You see Betterment is a roboadvisor- I tell it things that are important to me and it does all the work based on that criteria. You’ll notice that my Allocation is 90% stocks, primarily because I’m on the “risky side” of investing (many advisors believe you should be at a young age).

Betterment doesn’t only do retirement investing. They also have regular investing opportunities.

I’ve been really happy with my Betterment experience. I hope you’ll consider signing up yourself! They make investing *super* easy and it’s basically no work! As I’m currently working to pay down my debt, I don’t contribute to personal retirement accounts. Instead, I contribute to a Roth 401K at work but only enough to max out my company’s match.

Betterment makes contributing to the kinds of investing that you’re interested in easy. No intense meetings, no condescending advisors, no jargon to know. Plain-old English investing for the regular person.

By signing up for Betterment with my referral link, you’ll get six months free. After that, the fees are a small, small amount, only .35% for all accounts less than $10000 or $3/month! If that’s not cheap for investing, I don’t know what is! Go ahead a sign up for Betterment now! What are you waiting for?!

Let’s talk:

  • Do you have retirement accounts?
  • Have you ever used Roboadvisors?
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