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Betterment (also known as Betterment.com) is an online-investment adviser registered by the U.S. Securities and Exchange Commission based in New York, New York. Betterment provides investment advice and diversified, fully automated investment management to customers for less than the typical cost of a traditional financial adviser or wealth manager. All transactions occur online - it is an execution-only service. Betterment does not have brokerage sales representatives or advisers. Betterment is headquartered in New York City, and has received funding from Menlo Ventures, Bessemer Venture Partners, and Anthemis Group.〔(How We Got Funded: Betterment ). 30 April 2013. Inc.com〕 Notable angel investors include Thomas Lehrman, Jason Finger, and Andy Dunn. Due to the overall customer experience, including ease of use and emphasis on design, Betterment has been called the "Apple of finance."〔("This startup captured $200 million of people’s savings by turning financial advice into an algorithm." ) Quartz. 4 June 2013. Retrieved 19 July 2013.〕 ==Business model== Betterment is an automated goal-based investing service. Betterment invests in a portfolio of passive index-tracking equity and fixed income exchange-traded funds (ETFs) and offers both taxable and tax-advantaged investment accounts, including traditional and Roth individual retirement accounts (IRAs). Betterment’s core portfolio optimization incorporates insights of Modern Portfolio Theory, the Black-Litterman model, and Behavioral Asset Management. Modern Portfolio Theory (MPT) relies on diversification and asset allocation to attempt maximize portfolio return for an amount of given risk. Black-Litterman enables passive asset allocation by using world market capitalizations to attempt to estimate expected returns. Behavioral Asset Management focuses on investor returns, and attempts to optimize the returns an investor achieves, including minimizing potential market-timing behavior. Betterment has no investment minimums for customers. Account fees are tiered between 0.15% and 0.35% of aggregate assets managed across all a customers goals. Customers with accounts of $100,000 or more receive pricing of 0.15%. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Betterment (Investment service)」の詳細全文を読む スポンサード リンク
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