what has proven to get better returns Schwab Intelligent Portfolios: or betterment premier?

The question of whether Schwab Intelligent Portfolios (SIP) or Betterment Premier provides better returns depends on individual financial goals, investment management preferences, and the services each provider offers. Here's a comparison of the two platforms based on return potential: **Schwab Intelligent Portfolios (SIP):** 1. **Low Fee Structure**: SIP charges an advisory fee of 0.10% to 0.35% annually, making it one of the most affordable options on the market. 2. **Diversified Portfolios**: SIP offers a range of portfolios, including conservative, moderate, and aggressive options, designed to meet various investor needs. 3. **Tax-Smart Tools**: SIP provides tax-smart tools and insights, including a quarterly market commentary newsletter. 4. **Cash Reserve Boost**: SIP offers a cash reserve rate boost, which can enhance the earnings on cash savings. 5. **Estate Planning Benefits**: SIP includes exclusive benefits for estate planning, such as a discount on trust and will services. **Betterment Premier:** 1. **Competitive Advisory Fee**: Betterment Premier's advisory fee of 0.25% annually on balances over $100,000 is competitive, especially when compared to other robo-advisors that charge higher fees for similar services. 2. **Personalized Financial Guidance**: Betterment Premier provides exclusive benefits and access to a team of financial advisors, offering one-on-one coaching and personalized guidance. 3. **Tax-Loss Harvesting**: Betterment's tax-loss harvesting feature can help optimize returns in taxable accounts, which may be beneficial for some investors. 4. **Cryptocurrency and Alternative Investments**: Betterment Premier allows clients to invest in a range of portfolios, including those with tax-loss harvesting and the ability to add crypto and REITs. 5. **Higher Minimum Balance Requirement**: Betterment Premier requires a minimum account balance of $100,000 for advisory services, which may be a barrier for some investors. **Comparison and Insights:** 1. **Lower Fee Structure**: SIP's lower fee structure makes it an attractive option for investors looking to minimize costs. 2. **Diversification and Tax Tools**: SIP provides diversified portfolios and tax-smart tools, which may appeal to investors seeking a comprehensive investment solution. 3. **Personalized Guidance**: Betterment Premier's personalized financial guidance and access to advisors may be valuable for investors seeking more personalized attention. 4. **Investment Options**: Betterment Premier's ability to add crypto and REITs, combined with its tax-optimization features, may appeal to investors seeking more diversified and potentially higher-return portfolios. When comparing SIP to Betterment Premier, it's important to consider individual financial situation, investment goals, and the services each provider offers. Both platforms offer strong robo-advisory offerings, but the fees, investment options, and personalized guidance of each may align better with different investor profiles. It's recommended to consult with a financial advisor to determine which platform is the best fit for your needs and preferences.