You can withdraw your money from Betterment at any time, without additional fees.
We do not charge any trading fees or assess penalties for requested withdrawals or account closures. It’s your money, and is always accessible to you.
From a web browser, after logging in to your account, go to Transfer or Rollover > Withdraw.
Withdrawals generally take about 4-5 business days to process; funds will automatically be sold and sent to your linked bank account.
When you request a withdrawal, shares in your account are sold and this may have tax consequences. Betterment will always sell your shares in a way that minimizes taxes for you. We’ll sell shares that have lost value first (short-term losses, then long-term losses), and then we’ll sell shares that have gained value (long-term gains, then short-term gains).
Tax Impact Preview allows you to see an estimate of the taxes you may owe before you make a withdrawal.