Roth & Pre-Tax IRAs Driven by Social Justice Values
Account Types
With a traditional or Roth IRA, you can deposit from your bank account or rollover old retirement accounts to manage savings in one place.
Roth IRA
Pay taxes now
Withdraw principal and growth tax-free during retirement*
Pre-Tax ("Traditional") IRA
Write off contributions for tax savings now
Pay tax only when you withdraw income during retirement*
Investment Options
Model solutions to help you reach your goals for financial wellbeing.
Target Date
A model that automatically adjusts the asset allocation based on your expected retirement date. To help manage risk, this portfolio becomes more conservative as you approach retirement.
Risk Based
By default, your account will be invested in a risk-based model (e.g. 90% equities/10% fixed income, 80% equities/20% fixed income, etc) based on the goals you share with Betterment during account setup.
Due diligence
Fiduciary screens
Factors like risk-adjusted performance, cost, and style consistency to uphold our responsibility as stewards of your long-term financial interests.
Values screens
More than 75 values metrics help you invest in a way that’s more aligned with the social justice issues you care about.
*If you withdraw money before you reach age 59 ½, then the IRS considers this action an “early withdrawal.” You may have to pay a 10% penalty. This article has more information about factors to consider before taking an early withdrawal. Further, if you convert a traditional IRA to a Roth IRA, you will owe ordinary income taxes on any previously deducted traditional IRA contributions and on all earnings. Consider discussing tax issues with a qualified tax advisor.
**Fees subject to the discretion of the Fund Manager and its applicable offering documents, prospectus or private placement memorandum.