Vanguard Personal Advisor vs Betterment

Vanguard Personal Advisor is a hybrid robo and human advisor providing personalized advice for low fees, for investors with $50k to start. How does it compare to Betterment? Read our comparison chart below.

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.

While 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.

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

	Vanguard Personal Advisor	Betterment
		SPECIAL OFFER Compare Pricing - Learn More Read Betterment Review
	Benefits and Features
Savings		Betterment Cash Reserve - Earn 4.75% APY**
Annual Fee	0.3%	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
Minimum Deposit	$50,000	$0
Checking		No-Fee Checking
Phone Support	Yes	Yes
Live Chat Support	No	No
Email Support	Yes	Yes
Human Advisors	Yes	Yes ($100k minimum)
Robo Advisor		Yes
Assets Under Management	$100+ Billion	$50+ Billion
Minimum Investment	$50,000	$0
Tax Loss Harvesting	client-by-client basis	Yes
Goal Tracker	Yes	Yes
Automatic Deposits	Yes	Yes
Online Platform	Yes	Yes
iPhone App	Yes	Yes
Android App	Yes	Yes
Banking		Offers checking account with a free debit card, and a high-yield cash account
Mobile App	iOS & Android	iOS & Android
Investment Tracking
Single Stock Diversification	No	No
Fractional Shares	No	Yes
Taxable Accounts	Yes	Yes
401k Plans	No	Yes
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 Fee
Minimum Deposit
Human Advisors
Customer Service
Pros & Cons	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	Pros: No minimum investment Customized portfolios Automatically invest extra funds Cons: Limited investment options High fees for large investors
Bottom Line	Hybrid robo and human advisor providing personalized advice for low fees, for investors with $50k to start... Read full review	Great robo-advisor for beginners with low fees, good tools, and tax strategies... Read full review
		Compare Pricing Betterment Cash Reserve - Earn 4.75% APY** Invest with Automated Portfolios
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Vanguard Personal Advisor: Pricing information from published website as of 04/04/2018 Betterment: Pricing information from published website as of 04/04/2018

Which is Better: Vanguard Personal Advisor or Betterment?

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

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

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?