Updated September 29, 2026 · BrokerCue Editorial Team
Betterment vs Titan
Where Betterment and Titan differ
| Compare |  Betterment |  Titan |
|---|---|---|
| Management fee | 0.25%Lower | 0.4% |
| Minimum investment | $10Lower | $500 |
| Regulators | U.S. Securities and Exchange Commission (SEC) registered investment adviser, Financial Industry Regulatory Authority (FINRA) Betterment Securities broker dealer member, SIPC | Securities and Exchange Commission (SEC) |
| Portfolio types | ETF, ESG, Cash, CryptoCovers more | Cash, Crypto |
| Account types | IRA, Roth IRA | Not confirmed |
Same on both: Investor protection (SIPC up to USD 500,000).
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Key differences
- Betterment scores higher overall: 9.6 vs 8.5.
- Regulators: only Betterment offers U.S. Securities and Exchange Commission (SEC) registered investment adviser, Financial Industry Regulatory Authority (FINRA) Betterment Securities broker dealer member, SIPC.
- Regulators: only Titan offers Securities and Exchange Commission (SEC).
- Founded is lower at Betterment: 2008 vs 2017.
- Management fee is lower at Betterment: 0.25% vs 0.4%.
- Minimum investment is lower at Betterment: $10 vs $500.
- Portfolio types: only Betterment offers ETF, ESG.
- Support channels: only Betterment offers Phone, Email, Chat.
Our verdict on each
Betterment
Betterment suits US savers who want a robo-managed IRA with a flat, low management fee and SIPC cover. It charges a management fee of 0.25%, sits mid-table among robo-advisors on that fee, and offers only IRA and Roth IRA accounts, so UK and European readers may look elsewhere.
Titan
Titan is a US robo-advisor for investors who want a portfolio run for them, with a single management fee of 0.4% across holdings in stocks, etfs and bonds. The trade-off is entry size: a minimum investment of $500 keeps small savers out, though the money sits under SIPC up to USD 500,000.
Score breakdown
| Area | Betterment | Titan |
|---|---|---|
| Cost | 9.3HigherManagement fee of 0.25% and no account fee, with a minimum investment of $10. | 8.3Management fee of 0.4% matches the site median of 0.4%; minimum investment of $500 sits above €25. |
| Offer | 9.7Higher | 8.8 |
| Trust | 9.7Higher | 8.5 |
The bill, worked out
10,000 invested for a year
Betterment
25
0.25% of 10,000
Titan
40
0.4% of 10,000
Betterment comes out 15 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where they rank in our lists
| Ranking | Betterment | Titan |
|---|---|---|
| Stock and ETF brokers | 42 of 471 | 215 of 471 |
| Robo-advisors | 10 of 151 | 94 of 151 |
Where these facts come from
Betterment
- betterment.com: 8 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
- sipc.org: 1 fact, checked September 26, 2026
Titan
- titan.com: 9 facts, checked September 26, 2026
Every fact side by side
| Fact | Betterment | Titan |
|---|---|---|
| Legal entity | MTG LLC | Titan Global Capital Management USA LLC |
| Headquarters | United States | United States |
| Founded | 2008Lower | 2017 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Help centre |
Brokers
| Fact | Betterment | Titan |
|---|---|---|
| Minimum deposit | $10Lower | $500 |
| Account fee | $0 | Not confirmed |
| Markets | Stocks, ETFs, Bonds | Stocks, ETFs, Bonds, Crypto, FundsCovers more |
| Features | Not confirmed | Crypto, Mobile app |
| Pricing model | Not confirmed | Low fees |
| Deposit and withdrawal fees | No fees | Not confirmed |
| Platforms | Not confirmed | Web, Mobile app |
| Interest on cash | 3.5% | Not confirmed |
Where each stands against the rest
| Fact | Betterment | Titan | Median |
|---|---|---|---|
| Management fee | 0.25%below the median | 0.4%above the median | 0.345% |
| Minimum investment | $10below the median | $500above the median | $300 |
Median across 86 listed brokers.
Pros and cons
Betterment
Pros
- A management fee of 0.25% sits below the robo-advisor median of 0.35%
- An account fee of $0 and a deposit and withdrawal charge listed as No fees
- Covered by SIPC protection of SIPC up to USD 500,000
Cons
- Account types run only to ira and roth ira, so there is no taxable or ISA-style account for UK and European readers
- A management fee of 0.25% still ranks 18 of 49 brands, so cheaper robo-advisors exist
- Markets cover only stocks, etfs and bonds, with no forex, options or crypto trading
Titan
Pros
- A single management fee of 0.4% covers the managed portfolio, so the running cost is easy to forecast.
- Regulated in the US by the Securities and Exchange Commission, with holdings under SIPC up to USD 500,000.
- Holdings span stocks, etfs and bonds, so crypto sits alongside the usual assets rather than needing a second provider.
Cons
- Minimum investment of $500 and minimum deposit of $500 sit well above the site median of €25.
- Support runs on help centre only, so there is no direct phone or email line for questions.
- Portfolio choice is narrow, limited to cash and crypto.
Who each suits
Betterment
Who it suits
- US savers who want a robo-managed IRA or Roth IRA
- People starting small, with a minimum investment of $10
- Investors who want automated portfolios of etf, esg and cash
Who should look elsewhere
- UK and European readers, since account types cover only ira and roth ira
- Active traders wanting forex, options or crypto beyond the stocks, etfs and bonds it lists
- Anyone seeking a management fee of 0% as at eToro
Titan
Who it suits
- US investors who want a robo-managed portfolio and not to monitor it day to day.
- Savers who can start from $500 and hand the decisions to a manager.
- Investors comfortable with a cash sleeve alongside crypto.
Who should look elsewhere
- Small savers: CFI takes a minimum deposit of $0, against $500 here.
- Direct traders: eToro covers stocks, etfs and forex, wider than stocks, etfs and bonds.
- Small-account traders: Vantage asks $5 to get going.
Current offers
Betterment
Current offer
Bonus
Invest and earn up to $2,000: up to $2,000
Terms apply; new customers only; open any individual investing account and make a deposit
Source, checked September 26, 2026
Bonus
0.75% APY boost on Cash Reserve: 0.75% APY boost, 4.25% variable APY on balances up to $1M
New clients with a qualifying deposit; guaranteed through February 15; base variable APY 3.50% as of 9/21/2026; $10 min deposit for base APY
Source, checked September 26, 2026
Discount code
Discounted mortgage rate through Rate partnership: up to 0.75% off
Via partnership with Rate; terms apply
Source, checked September 26, 2026
Country by country
| Country | Betterment | Titan |
|---|---|---|
| United States | Yes | Yes |
Questions about each
Betterment
How much does Betterment charge to manage my money?+
The annual management fee is 0.25%, taken as a percentage of the portfolio. That sits below the robo-advisor median of 0.35%, and Betterment ranks 18 of 49 brands on this measure. There is no separate account charge, listed as $0.
Is my money protected if Betterment fails?+
Stated protection is SIPC up to USD 500,000, and Betterment appears on the SIPC member register as SIPC member 51906. The cover applies to cash in the brokerage account if the broker-dealer fails, and the legal entity named is MTG LLC. Portfolio market values are not protected by the scheme.
Titan
What does Titan charge?+
The running cost is a management fee of 0.4% on the portfolio, the same as the site median of 0.4%. Because the account is managed for you, that fee is the line to compare rather than a price per trade.
Is Titan regulated and is my money protected?+
Titan Global Capital Management USA LLC is registered with the Securities and Exchange Commission in the US, and holdings sit under SIPC up to USD 500,000. That cover is a limit on broker failure, not a guarantee on what an account earns.
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