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RetireGuide™ from Betterment - Investing Made Better

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Are you investing correctly for retirement?

Try RetireGuide™ and see our free advice. Our new tool can help you determine whether you are on track for your retirement. Unlike typical retirement calculators, RetireGuide takes into account all of your investment accounts, including those with other providers, and your spouse's holdings.

How Is RetireGuide Better?

1. Consolidated View of Your Wealth. RetireGuide™ takes everything in your life into account, including your current savings across all accounts, where you plan to live in retirement, and your current income.

2. A Plan That Grows with You. Your customized plan stays with you, automatically reflecting market changes and ready to handle the shifts in your life.

3. Scenario Testing. Your customized plan stays with you, automatically reflecting market changes and ready to handle the shifts in your life. If you don’t like what you see the first time, try different scenarios, such as when and where you retire, your retirement income, or amount of investments.

Published in: Technology
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RetireGuide™ from Betterment - Investing Made Better

  1. 1. Betterment RetireGuide www.Betterment.com/retirement Are you investing correctly for a comfortable retirement? TM
  2. 2. Why I Built RetireGuide Hi, I’m Alex Benke, CFP® and Director of Advice Products at Betterment. I was frustrated with the retirement tools I found online. They were simplistic, inaccurate, and didn’t help me predict my income in retirement. So I built a better one. “ “
  3. 3. RetireGuide gives you personalized retirement planning advice ● Based on all of your retirement assets - even those held outside of Betterment ● Your income in retirement ● When and where you can retire ● How much you should be saving per year ● Where to invest Try it now. No minimum balance, it’s free. www.betterment.com/retirement
  4. 4. How is RetireGuide better than the rest? ● Syncs with over 13,000 firms and refreshes your synced balances daily ● Includes Social Security and other retirement income sources ● Recommends where to invest (401(k), IRA, Taxable) ● Aren’t tailored to you ● Don’t advise on how to invest to ensure the safety of your family’s future–they just leave you with a myriad of options for investment ● Don’t automate tax assumptions RetireGuide™ Other Calculators
  5. 5. RetireGuide looks at your full retirement picture RetireGuide syncs with over 13,000 firms, and even Social Security. It refreshes daily so your plan is always up-to-date. Note: The listing of entities in above image does not indicate a working affiliation, association, or partnership with Betterment. The entities are listed to show that RetireGuide is compatible with these services.
  6. 6. RetireGuide estimates retirement spending Unlike other tools, RetireGuide estimates retirement spending for you. We also show all of our assumptions and rationale. Of course, you can modify your retirement income or the underlying assumptions. Try it now. No minimum balance, it’s free. www.betterment.com/retirement
  7. 7. Projection and Scenario Playing Our projections show this customer is off track for retirement. If you don’t like what you see, you can try different scenarios. Edit your: • Savings per year • Age • Social Security assumptions: ● Change the age you receive benefits and how much you get ● Upload your Social Security data file
  8. 8. Step-by-step walk-through RetireGuide from Betterment.com
  9. 9. Step 1 Personal Details Let us know about your spouse, if you have one. Here, the hypothetical customer, Alex, is married to Sierra.
  10. 10. Step 2 Annual Income Alex inputs his current annual income of $200,000 and his wife’s of $225,000
  11. 11. Step 3 Retirement Age Alex and Sierra would both like to retire at age 67.
  12. 12. Step 4 Retirement Spending Unlike other tools, RetireGuide estimates retirement spending for Alex and Sierra. We also show all of our assumptions and rationale. Of course, Alex can set a specific retirement income amount, or change the underlying assumptions.
  13. 13. Step 5 Retirement Savings RetireGuide looks at all of Alex’s and Sierra’s retirement assets. Here, Alex selects his synced retirement accounts held outside of Betterment. com.
  14. 14. Projection With our projection page, you can see if you are on track for retirement. Alex and Sierra are off track for retirement, but not by much!
  15. 15. Projection You can easily try different scenarios by editing your: • Savings per year • Retirement Age(s) • Social Security assumptions
  16. 16. Customized plan that stays with you: Edit assumptions As their situation changes… • Sierra gets a raise • Alex sells his business As their outlook changes, they can edit assumptions on their plan • Life expectancy • Inflation rate • Other income to include or assets to sync RetireGuide is the plan that stays with you.
  17. 17. Social Security Income To more accurately predict his Social Security income, Alex uploads his Social Security data file that he downloaded from SSA.gov. He can also update the age which he begins collecting his payments. Benefits increase the later he collects.
  18. 18. How to Save Alex and Sierra get advice on where to invest for retirement.
  19. 19. Actions What are their next steps? We provide advice on what they should do: • Add a Traditional IRA • Contribute to Sierra’s IRA • Contribute to their employer plan
  20. 20. Accessing RetireGuide for the first time 1. Sign up for a Betterment account. There is no minimum balance 2. Add a Retirement goal 3. Click “Set up plan” next to your goal 4. Sync your external accounts
  21. 21. Accessing RetireGuide Click on “Edit plan” next to your Retirement account on Summary, or click Edit Plan on Advice when viewing any Retirement account.
  22. 22. Are you investing correctly for a comfortable retirement? Try RetireGuide to get our free advice. Sign up for a Betterment account today. www.betterment.com/retirement
  23. 23. For more information on our advice and projection methodology: https://www. betterment.com/advice-projection-methodology/ Brokerage services provided to clients of Betterment LLC by Betterment Securities, an SEC registered broker-dealer and member FINRA/SIPC. All return figures shown above are for illustrative purposes only, and are not actual customer or model returns. Actual returns will vary greatly and depend on personal and market circumstances. Investments: Not FDIC Insured • No Bank Guarantee • May Lose Value. Before investing, consider your investment objectives and Betterment's charges and expenses. Past performance does not guarantee future results, and the likelihood of investment outcomes are hypothetical in nature. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Betterment is not registered. For additional disclosures please see https://www.betterment.com/legal/

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