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Betterment vs Vanguard Personal Advisor

Betterment is a great robo-advisor for beginners with low fees, good tools, and tax strategies. How does it compare to Vanguard Personal Advisor? Read our comparison chart below.

Betterment offers automatic investing starting at $4/month for accounts with less than $20,000. There is no fee to open an account and no minimum deposit required. All balances get automatic rebalancing, tax loss harvesting, and access to financial experts.

While Vanguard Personal Advisor offers automatic investing with personalized service for a low fee of 0.30%. An advisor will build a portfolio for you based on your goals and financial situation. The advisor will also regularly rebalance your portfolio to keep it on track. The minimum to open an account is $50,000.

Compare Betterment with Vanguard Personal Advisor, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 

Betterment

Vanguard Personal Advisor

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Benefits and Features

Savings
  • Betterment Cash Reserve - Earn 4.75% APY**
 
Annual Fee
  • Digital: 0.25% annual fee for accounts with $20,000 or more or with monthly recurring deposits of $250 or more, $4/month for accounts with less than $20,000
  • Premium: 0.65% for accounts $100,000 or more
0.3%
Minimum Deposit
$0
$50,000
Checking
No-Fee Checking
 
Phone Support
Yes
Yes
Live Chat Support
No
No
Email Support
Yes
Yes
Human Advisors
Yes ($100k minimum)
Yes
Robo Advisor
Yes
Check
Assets Under Management
$50+ Billion
$100+ Billion
Minimum Investment
$0
$50,000
Tax Loss Harvesting
Yes
client-by-client basis
Goal Tracker
Yes
Yes
Automatic Deposits
Yes
Yes
Online Platform
Yes
Yes
iPhone App
Yes
Yes
Android App
Yes
Yes
BankingOffers checking account with a free debit card, and a high-yield cash account 
Mobile App
iOS & Android
iOS & Android
Investment Tracking 
Check
Single Stock Diversification
No
No
Fractional Shares
Yes
No
Taxable Accounts
Yes
Yes
401k Plans
Yes
No
IRA Accounts
Yes
Yes
Roth IRA Accounts
Yes
Yes
SEP IRA Accounts
Yes
Yes
Trust Accounts
Yes
Yes
529 Plans
No
No
 

CreditDonkey® Reviews

Annual FeeStarStarStarStarHalf StarStarStarStarStarHalf Star
Minimum DepositStarStarStarStarStarStarEmpty StarEmpty StarEmpty StarEmpty Star
Human AdvisorsStarStarStarEmpty StarEmpty StarStarStarStarStarStar
Customer ServiceStarStarStarStarEmpty StarStarStarStarStarEmpty Star
Pros & ConsPros:
  • No minimum investment
  • Customized portfolios
  • Automatically invest extra funds
Cons:
  • Limited investment options
  • High fees for large investors
Pros:
  • Professionally managed by human advisors
  • Low annual fee
  • Backed by prestigious brand
Cons:
  • High minimum investment
  • Extra transaction fees
  • No continuous tax loss harvesting
Bottom LineGreat robo-advisor for beginners with low fees, good tools, and tax strategies... Read full reviewHybrid robo and human advisor providing personalized advice for low fees, for investors with $50k to start... Read full review

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Betterment: Pricing information from published website as of 04/04/2018

Vanguard Personal Advisor: Pricing information from published website as of 04/04/2018

Which is Better: Betterment or Vanguard Personal Advisor?

Still need help deciding which investing is better? Read the in-depth reviews below. You may also be interested in comparing Betterment or Acorns.

In short: Betterment's minimum deposit is excellent. Vanguard Personal Advisor's human advisors is excellent.


Articles on Betterment

Betterment Reviews

Betterment offers low fees and good returns. But there are risks you should NOT ignore. Read this review to see if Betterment is better.

Is Betterment Worth The Fee

Betterment will manage your investments, but they charge a fee. Is Betterment worth the fee? Read on to answer all your questions.

Betterment Roth IRA

Is Betterment a good way to invest for retirement? What about the fees and withdrawals? Read on to learn how Betterment's Roth IRA account works.

Betterment vs Wealthfront

Betterment and Wealthfront are two of the oldest and most popular robo-advisors. Is there a difference? Which is better for you? Read on to find out.

Articles on Vanguard Personal Advisor

Vanguard Personal Advisor Review

Typically, robo-advisors mean strictly online portfolio management with no human interaction. Vanguard Personal Advisor Services set out to be the face of change by combining the two services. Is it all it's cracked up to be?

Which Do You Think is Best?


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