Pure Benchmarks · Portfolio Benchmark Report
Is Your Betterment at Work Portfolio Underperforming?
Betterment at Work runs workplace retirement accounts, where defaults and a set fund list can hold an allocation away from a broad index baseline.
Pure Benchmarks ranks real Betterment at Work portfolios against thousands of other verified investor portfolios across nine standardized risk categories, from 100% equity to 90% fixed income. Every portfolio is recategorized daily from actual end-of-day holdings, and Community Nests shows exactly where your Betterment at Work portfolio ranks against other real Betterment at Work clients in the same risk category — built entirely from verified portfolio data, with no firm that manages money able to see any data point on the platform.
Why your Betterment at Work portfolio can lag a pure index baseline
The default-menu ceiling. Workplace plans limit choices to a set menu and often default balances into a single target-date fund. Convenient defaults and a bounded fund list can quietly hold the allocation away from a broad low-cost index baseline.
What to review on a Betterment at Work portfolio
- Check whether the balance is sitting in a default target-date fund rather than a chosen allocation.
- Look at how the plan-menu allocation compares with a broad low-cost index baseline.
Illustrative 10-year comparison — a standard managed portfolio versus a pure index baseline. Figures are illustrative only.
| Year | Standard managed portfolio | Pure index baseline | Gap |
|---|---|---|---|
| Year 1 | $105,200 | $107,000 | -$1,800 |
| Year 3 | $116,400 | $122,500 | -$6,100 |
| Year 5 | $128,700 | $140,300 | -$11,600 |
| Year 7 | $142,300 | $160,600 | -$18,300 |
| Year 10 | $165,100 | $196,700 | -$31,600 |
See exactly where your Betterment at Work portfolio stands.
One clean report against a pure index baseline. No email required.
See Your Free Benchmark ReportCompare other firms
- Is your Fidelity NetBenefits portfolio underperforming?
- Is your Vanguard Retirement portfolio underperforming?
- Is your Empower Retirement portfolio underperforming?
- Is your Principal Retirement portfolio underperforming?
- Is your Transamerica Retirement portfolio underperforming?
- Is your Lincoln Financial Retirement portfolio underperforming?
New here? Read the Pure Benchmarks blog or the portfolio benchmarking FAQ.
Answer the bigger questions
This page is an information baseline for comparison only. It is not investment advice and not a recommendation to buy, sell, replace, or transfer any specific asset, account, or firm. Past performance does not guarantee future results. All figures shown are illustrative.