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Betterment vs Vanguard Personal Advisor Services
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Review | Betterment Review | Vanguard Personal Advisor Services Review |
Overall Rating | ||
Management Fees Annually | Digital: 0.25% Premium: 0.40% | 0.30% |
Fund Fees | 0.09% → 0.17% | 0.04% → 0.12% |
Account Types | Taxable, Roth IRA, SEP IRA, Traditional IRA, Rollover IRA, Trusts, Joint, Non-profit | Taxable, Roth IRA, SEP IRA, Traditional IRA, Rollover IRA, Trusts, Joint |
529 Guidance | ✅ | ✅ |
Chartered Financial Professionals | ✅ | Live financial advisors |
Automatic Tax Loss Harvesting | ✅ | ✅ |
Tax Coordinated Strategy | ✅ | ✅ |
Tax Minimization Method | N/A | N/A |
Automatic Portfolio Rebalancing | ✅ | ✅ |
Private Wealth Management | ❌ | ✅ |
Socially Responsible/Values Based Investing | ✅ | ❌ |
Supports Charitable Donations | ✅ | ❌ |
Account Minimum | Digital: $0 Premium: $100,000 | $50,000 |
Fractional Shares | ✅ | ❌ |
Retirement Planning Tools | ✅ | ✅ |
Support Real Estate Investments | ❌ | ❌ |
Investment Method | Based on risk tolerance | Based on risk tolerance |
Portfolio holdings | ETFs | Vanguard index funds, ETFs, and active funds |
Technology | Web-based, iOS & Android | Web-based, iOS, Android |
Gender Focus | Male & Female | Male & Female |
Security | Two-factor authentication, 256-bit SSL | Industry standard |
Customer Service | Phone, Email, Live Chat | Phone, Video, Email |
User Experience | Excellent | Good |
Promotions | Up to 1 Year Free | N/A |