Fees are taken right from your Betterment Investing account at the end of each month. No action is required on your part, and we'll never charge fees if you don't have a balance. Our fees are calculated based on your daily balance of assets under management and assessed monthly, and add up to $4/month or 0.25% annually for investing accounts, 1% for crypto investing accounts, and 0.40% for our Premium plan. If a client’s account exclusively consists of mutual funds, due to small price fluctuations in mutual funds that may occur on the transaction date, Betterment will accrue any fees over- or under-assessed and apply the difference to adjust the following period’s fee.