Global Diversification, Maximum Efficiency

Our portfolio is maximally diversified, and comprises low-cost, liquid, index-tracking, exchange-traded funds, or ETFs. We use tax-efficient algorithms and automate optimal behavior to maximize your ability to grow your money.

An Optimal Allocation Tailored for You

When you deposit money with mPower, every dollar is seamlessly invested in up to 12 different asset classes, optimized for your desired goals and risk tolerance.

Stock and bond ETFs are weighted to provide a progressively increasing amount of risk and potential return. Lower risk portfolios have more short-term government-backed bonds and less volatile stocks. As you move up the allocation spectrum, we introduce bonds and stocks with higher risk but higher potential returns.

The Blend

Each ETF has been selected to balance considerations of low cost and high liquidity as a means to access each asset class.

Stock ETFs

Our portfolio includes stock ETFs that efficiently capture the broad U.S. stock market, and international developed and emerging markets. Your money is invested in literally thousands of companies instantly. Exactly how much of your portfolio is made up of which stocks depends on the exact allocation you choose. Our Stock ETF’s include:

  • US Total Stock Market
  • Vanguard US Total Stock Market Index ETF (VTI)
  • US Large-Cap Value Stocks
  • Vanguard US Large-Cap Value Index ETF (VTV)
  • US Mid-Cap Value Stocks
  • Vanguard US Mid-Cap Value Index ETF (VOE)
  • US Small-Cap Value Stocks
  • Vanguard US Small-Cap Value Index ETF (VBR)
  • International Developed Stocks
  • Vanguard FTSE Developed Market Index ETF (VEA)
  • Emerging Market Stocks
  • Vanguard FTSE Emerging Index ETF (VWO)

Bond ETFs

Our portfolio includes bond ETFs that allow us to precisely manage the level of risk at every allocation, and improve the risk-adjusted performance of the portfolio at higher risk levels. The exact amounts of each bond ETF will depend on the allocation you choose. Our Bond ETFs include:

  • Short-Term Treasuries
  • iShares Short-Term Treasury Bond Index ETF (SHV)
  • Inflation Protected Bonds
  • Vanguard Short-term Inflation-Protected Treasury Bond Index ETF (VTIP)
  • US High Quality Bonds (IRA Accounts)
  • Vanguard US Total Bond Market Index ETF (BND)
  • National Municipal Bonds (Taxable accounts)
  • iShares National AMT-Free Muni Bond Index ETF (MUB)
  • US Corporate Bonds
  • iShares Corporate Bond Index ETF (LQD)
  • International Developed Bonds
  • Vanguard Total International Bond Index ETF (BNDX)
  • Emerging Market Bonds
  • Vanguard Emerging Markets Government Bond Index ETF (VWOB)

Ready to Get Started?

Investment advisory services provided through Smith Bruer Advisors, LLC a registered investment adviser with the Securities and Exchange Commission. Investments: Not FDIC insured ˑ No Bank Guarantee ˑ May Lose Value. Brokerage services provided to clients of Betterment LLC by Betterment Securities, a Securities and Exchange Commission registered broker-dealer and member FINRA/SIPC. Investments: Not FDIC Insured • No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. 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. See full disclosures for more information. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Betterment is not registered. Market Data by Xignite.

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