Home › Invest › Robo-advisors › Betterment vs Schwab Intelligent Portfolios
Both invest for you automatically. Here's how Betterment and Schwab Intelligent Portfolios compare on fees, minimums, tax-loss harvesting and cash.
| Betterment | Schwab Intelligent Portfolios | |
|---|---|---|
| Advisory fee | $5/month, or 0.25%/yr with $24,000+ or $200+/mo recurring deposits; Premium 0.65% | $0 advisory fee |
| Minimum to start | No minimum balance | $5,000 |
| Tax-loss harvesting | Yes, included | Yes, opt-in, $50,000+ invested |
| Cash account APY | Cash Reserve: 4.25% APY including a 0.75% boost (variable) | not found |
Sources: Betterment page (checked 2026-10-12) · Schwab Intelligent Portfolios page (checked 2026-10-12)
More on Betterment · More on Schwab Intelligent Portfolios · All robo-advisors
Advisory fee: Betterment $5/month, or 0.25%/yr with $24,000+ or $200+/mo recurring deposits; Premium 0.65%, Schwab Intelligent Portfolios $0 advisory fee; Minimum to start: Betterment No minimum balance, Schwab Intelligent Portfolios $5,000; Tax-loss harvesting: Betterment Yes, included, Schwab Intelligent Portfolios Yes, opt-in, $50,000+ invested; Cash account APY: Betterment Cash Reserve: 4.25% APY including a 0.75% boost (variable), Schwab Intelligent Portfolios not found.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.