What sets them apart is access to a person, fees (though not by much), how your investments are managed, and the ability to optimize for taxes. Vanguard PAS has pricing tiers rather than charging a flat rate. One of Betterment's newer additions is socially-responsible investing, which allow you to invest according to your values. Betterment and Vanguard PAS are both excellent products, but they are suited to decidedly different groups of investors. Options that are clear on the web interface are difficult to find on the app, and sometimes seem to be missing altogether. For investors who would like to manage their own assets, Vanguard offers a price structure based primarily on trading. Betterment vs. Wealthsimple vs. Vanguard Robo-Advisor Overview. What Betterment does make easy is the process of using its system. And both Betterment and Vanguard are excellent choices for an investor who wants to focus on long-term, fund-based investing. If you’d like to control your money to a degree, Vanguard offers one of the best trading platforms on the market for investors focused on mutual funds. So when you invest with Betterment they’re investing in Vanguard index funds for you and charging you a fee to do it. Those goals may include saving for college, an emergency fund, or other savings goals. Instead, the company is owned by the funds it manages; this means that the company is indirectly owned by investors. Betterment vs Vanguard: Fees Compared Betterment Pricing and Fees. This fee goes up to 0.40% if you take advantage of unlimited access to their CFPâs. For accounts over $100,000 it’s 0.15%. The upshot is that both Vanguard and Betterment will generally attract investors looking for fund-based investments. Betterment vs Vanguard: Fees. So, for example, if you put in the minimum of $100,000, you would pay $400 per year for this service. This allows investors to simply transfer money into their account periodically; the algorithm does the rest. Posted on February 15, 2019 February 15, 2019 by Frugal and Fire. The pitch behind Betterment is that your account growth will significantly outpace any fees that the service charges. So, let's get started and find out which one better suits your needs. Specifically, both of these firms are organized around fund-based investing. The Betterment vs Vanguard robo match up is a difficult contest. Neither Stash nor Betterment has commissions on trades. Betterment vs Vanguard Robo Advisor—Who Benefits. The firm became hugely popular for a couple of reasons. What about Vanguard target-date retirement funds? Vanguard does not charge inactivity fees, nor does it charge users for most ordinary transactions such as depositing or withdrawing money. Thus, your financial situation will largely determine which one makes more sense. Both Betterment and Vanguard have excellent goal planning to help you meet (and exceed) your financial goals. Vanguard vs. Betterment & Wealthfront vs. Vanguard When comparing Betterment vs. Wealthfront vs. Vanguard, Vanguardâs site is admittedly the least intuitive and streamlined of the three. The fee for using Betterment, for example, begins at 25 basis points (or .25%). The main difference with this plan is that it includes unlimited calls with Betterment's team of Certified Financial Planners (CFP®). In addition, all of its data is stored on servers in a secure facility. You can up your membership to include a personal advisor, which costs 5% more than the algorithm services of Betterment, and your investment portfolio has to tip over $500,000 before Vanguard grants you a dedicated personal advisor. Betterment's portfolios automatically rebalance and the platform has tax-loss harvesting. 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