Home › Invest › Robo-advisors › Betterment vs Vanguard Digital Advisor
Both invest for you automatically. Here's how Betterment and Vanguard Digital Advisor compare on fees, minimums, tax-loss harvesting and cash.
| Betterment | Vanguard Digital Advisor | |
|---|---|---|
| Advisory fee | $5/month, or 0.25%/yr with $24,000+ or $200+/mo recurring deposits; Premium 0.65% | 0.20%/yr gross for all-index portfolios (0.25% with active funds); Vanguard says net is about 0.15% after credits |
| Minimum to start | No minimum balance | $100 |
| Tax-loss harvesting | Yes, included | Yes, optional, included |
| Cash account APY | Cash Reserve: 4.25% APY including a 0.75% boost (variable) | not found |
Sources: Betterment page (checked 2026-10-12) · Vanguard Digital Advisor page (checked 2026-10-12)
More on Betterment · More on Vanguard Digital Advisor · All robo-advisors
Advisory fee: Betterment $5/month, or 0.25%/yr with $24,000+ or $200+/mo recurring deposits; Premium 0.65%, Vanguard Digital Advisor 0.20%/yr gross for all-index portfolios (0.25% with active funds); Vanguard says net is about 0.15% after credits; Minimum to start: Betterment No minimum balance, Vanguard Digital Advisor $100; Tax-loss harvesting: Betterment Yes, included, Vanguard Digital Advisor Yes, optional, included; Cash account APY: Betterment Cash Reserve: 4.25% APY including a 0.75% boost (variable), Vanguard Digital Advisor 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.