Automate your investment decisions with human support.
Leverage the latest technology to automatically build and manage an investment portfolio based on your goals while also enjoying ongoing financial advisor guidance.
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Introducing VR Robo, a program designed for those new to investing or merely seeking a low-cost solution to build their wealth.
If you haven’t yet heard, “automated investing” is a technology-driven investment method that uses computer algorithms and mathematical models to automatically build/manage your investment portfolio (based on a survey you submit about yourself and your goals). Automated investing platforms are referred to as “robo” advisors.
For the purposes of our solution (VR Robo), we partner with Betterment—a leading robo-advisor platform—to give you access to a variety of diversified exchange-traded funds (ETFs). These are similar to mutual funds but often less expensive, an appealing feature especially for novice investors and those who want to build their wealth in a relatively inexpensive manner.
What makes our solution a little different from others is that there’s no need to upgrade or maintain a significant balance in your account to enjoy ongoing access to the Certified Financial Planner™ dedicated to your account. You’ll also receive a Betterment account review on an annual basis.
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Pricing and Other Considerations
Fees
The annual fee is 0.75% of your total account balance, with a $1,000 minimum investment. Fees are pulled directly from your Betterment account at the end of each month, with statements available online through the Betterment website.
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FAQs
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ETFs are just like mutual funds but require less human oversight and trading; they’re thus often automated and less expensive than other investment opportunities. Click here to read all about ETFs.
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Once you enroll, Betterment will capture information about yourself/your goals to determine appropriate allocations and then execute trades and implement other automated features such as portfolio rebalancing (to keep your investments diversified and on track), tax-loss harvesting (to help offset taxes on investment gains when an investment declines in value), and dividend reinvestment (to help increase the potential for compound interest)—all in the name of a potential boost to your investment returns.
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You can withdraw money from your account (using the Betterment app or their web-based platform) at any time and in the absence of additional fees. Withdrawals generally take about 4 to 5 business days to process.
Compare Our Investment Solutions
Fiduciary Investment Management
(FIM)
Enjoy our most customized solution wherein we construct, implement, continually monitor, and actively manage your account.
✓ Best for: Clients seeking active investment management and a fiduciary to look out for their best interests
✓ Cost: Maxes out at 1.25% of total account value
✓ Minimum investment requirement: $100,000
✓ Investment vehicles: Exchange-traded funds (ETFs), mutual funds and individual securities
✓ Reviews: Quarterly
✓ Available to: All clients
Automated Investing w/Oversight
(VR Robo)
Combine the power of automated investing—via Betterment—with the guidance of a dedicated CFP® professional.
✓ Best for: Clients who are novice investors and/or seeking a lower-cost investment option with minimal human intervention
✓ Cost: .75% of total account value
✓ Minimum investment requirement: $1,000
✓ Investment vehicles: Exchange-traded funds (ETFs) only
✓ Reviews: Annual
✓ Available to: All clients
Self-Directed w/Oversight
Buy and sell your preferred investments with oversight from a CFP® professional.
✓ Best for: Clients who want to be hands-on but have a financial advisor as a sounding board.
✓ Cost: $9 (most trades)
✓ Minimum investment requirement: $5,000
✓ Investment vehicles: Exchange-traded funds (ETFs), mutual funds and individual securities
✓ Reviews: None
✓ Available to: Clients with a Fiduciary Investment Management account
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