betterment returns reddit

The sample size is large enough to warrant my concern I think. Investing. I put in $10k in Jan 2014. and today, the value is $10,400. I track my Betterment account, along with my TSP and Vanguard accounts, all in one place with Personal Capital.It's free, easy, and gives you beautiful data on your portfolio. What is your risk level set to? Actual returns will vary greatly and depend on personal and market conditions. At the high end, that's 7.52% of your returns being lost to fees (with the same assumptions as above). I've had $10k invested for 3 years now with a pretty normal 70-30 allocation. The marketing page never gives any details on what goes into this income portfolio or what its expected returns are. No well diversified stock heavy portfolio is up significantly in the past year. See how we determine largest independent online financial advisor. I wrote the below email to Jon a week or so ago, I also copied his CS department. That means if you profit $1,000 you need to hand $150 over to the government … This is something that should be taken into consideration before making your decision. save. This features boosts returns by recognizing "artificial" losses that can offset capital gains. In particular, a significant % of the foreign holdings are Chinese companies, which had hellish performance during this time. Don't worry hang in there and keep investing. Plenty of investors argue that S&P is all you need, including Warren Buffet. I am a bot, and this action was performed automatically. Amp Betterment Returns with Tax Loss Harvesting (TLH+) Everybody talks about the monster gains they get when investing but few people talk about the cost of those gains. I am a 20 year old student who works full time. For a 70% stock investment, Betterment … As someone who just opened a betterment account last year I'm interested to see what people have to say about this. But perhaps it is also prudent to have some control over where you diversify, besides whatever you get with VWO and VEA. That is trading now at $34.79, three years ago was $39.20, so also down. Which, over the past 12 months, have been significantly under-performing the S&P 500. Edit: 11% is VWO (emerging markets). Diversification does this over the short-run, but will help your portfolio over the long-run. Since then I’ve put some of my money there. Betterment didn't do anything wrong, you picked an aggressive strategy with 90% stocks, stocks have been flat this year pretty much and took a dive in Jan/Feb, If you would have invested in 90% stock with Vangaurd or shwab you would have gotten the same results. Join our community, read the PF Wiki, and get on top of your finances! That’s why Betterment created our tax filing guide just for investors. Investing. See how we determine largest independent online financial advisor. I've had my betterment retirement accounts open since Nov 2016. I opened up an account September 2018 (literally right before the downturn) and haven't contributed to it just cause I wanted to see how it was like. VEU has done the same thing to me over the past 2-3 years. It has made a recent surge, but Betterment portfolios are more broad-based and designed for stability. Robo advisors create portfolios largely based on your personal investment goals and levels of risk tolerance. As you can see in the attached images, currently I'm sitting at an increase of $348 and most of the time my account was in the negative. Tax returns can get complicated, especially when you're investing. M1Finance is free, has Vanguard and other ETFs and stocks, and various blends you can pick from including target date funds. Haven't done the math yet, but they are weighted about 50% international. Betterment is one of the first robo-advisors, and many consider the company to be the one that started the industry. Archived. It's not international exposure. You can not - and should not - expect this continue going forward. You realize the stock market does not go up constantly every year, it is a bumpy roller coaster. This plan requires no investment minimum amount. The Betterment Premium plan, ... need to know is that this feature automatically reduces your investment taxes and thereby increases your after-tax returns. But it’s as close as we can get, and as you can see the difference between the two is only 1/10 of 1%. Betterment’s investment results from October, 2011, through July, 2018, show an 82.6% return, based on a portfolio with an 80% stock allocation. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Did any tax-loss harvesting take place in the Betterment account last year? If you don't mind me asking, how did you make this 800$. Up voting for visibility. Unless otherwise specified, all return figures shown above are for illustrative purposes only, and are not actual customer or model returns. How Betterment calculates "better returns". If you’re logged in on the mobile app, t… If you look at Vanguard target retirement funds, they are similarly allocated with 36% in VGTSX and 3% in VTIBX. But also since then I’ve learned a few things about WB from some of you on MMM. I've had $10k invested for 3 years now with a pretty normal 70-30 allocation. In particular, a significant % of the foreign holdings are Chinese companies, which had hellish performance during this time. Unless you’re the lucky 0.5% richest investors or 1% poorest, you will pay a 15% long-term capital gains tax rate. Betterment charges 0.25% for its basic digital offering. come to wsb brother. The main thing "pulling down" your returns is the allocation to international stocks: VEA is down 16+% and makes up 29% of your portfolio, [VWO is down 15+% and makes up 6% of you portfolio] (http://quotes.morningstar.com/chart/etf/chart.action?t=VWO®ion=usa&culture=en_US&dataParams=%7B%22zoomKey%22%3A11%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22mainSettingId%22%3A%22main%22%2C%22navSettingId%22%3A%22nav%22%2C%22benchmarkSettingId%22%3A%22benchmark%22%2C%22sliderBgSettingId%22%3A%22sliderBg%22%2C%22volumeSettingId%22%3A%22volume%22%2C%22id%22%3A%22FEUSA04ADG%22%2C%22type%22%3A%22FE%22%2C%22name%22%3A%22ARCX%3AVWO%22%2C%22qsType%22%3A%22USA%3AVWO%22%2C%22baseCurrency%22%3A%22USD%22%2C%22defaultBenchmarks%22%3A%5B%22%24FOCA%24EM%24%24%7CDiversified%20Emerging%20Mkts%7CCA%5DFE%22%2C%22XIUSA04G85%7CMSCI%20ACWI%20Ex%20USA%20NR%20USD%7CXI%22%5D%2C%22startDay%22%3A%2201%2F02%2F2014%22%2C%22endDay%22%3A%2207%2F05%2F2016%22%2C%22chartWidth%22%3A955%7D). The past year was pretty rough for a lot of people. Betterment was founded in 2008 and since then has staked its claim as the leading robo-advisor with competitive fees, low investment minimums, and tools galore.. TD Ameritrade Essential Portfolios is the robo-advisor service offered by its namesake company and has rock bottom fees, billions in assets under management, and tax-loss harvesting features to optimize investor returns after … Actual returns will vary greatly and depend on personal and market conditions. However, I am not satisfied with the results thus far. Also the past year wasn't good for anyone. Betterment vs. WiseBanyan – An email to Jon Stein, CEO and Founder of Betterment. Not doubting at all just curious. Unless otherwise specified, all return figures shown above are for illustrative purposes only, and are not actual customer or model returns. Betterment Review . I'm showing an 'annualized simple earnings' of 4.2%. If you want to judge how well Betterment has built your portfolio, the time-weighted return (TWR) is one of the most useful figures to use. That is trading now at $34.73, three years ago was $37.19, so that is down a bit. When the tax man cometh. 3. Betterment maintains that you can improve your after-tax returns by an average of 0.48% per year, or an extra 15% over 30 years. A robo-advisor refers to software that functions by providing online investment and financial management advice. Betterment Review Verdict: Say no to the target income portfolio. Hello PF, Last January invested $50k with Betterment. Do you think they are doing something particularly smart or clever? Archived. 83% Upvoted. Feels low given the stock market run we've been on, but wondering if i'm missing something here? Is it possible that the US stock markets will simply continue to outperform because the underlying economy is stronger than many in the international markets including Europe? When people look at their returns, one goal is to understand how well Betterment is managing their money. In the same boat mix-wise; can the allocation be adjusted? Unless otherwise specified, all return figures shown above are for illustrative purposes only, and are not actual customer or model returns. The purpose is to know what you could generally expect out of that asset allocation during that time period, no matter where you put your money. Or do you think they are essentially automating passive investing? i made $800 off yellen speaking today. A basic four fund portfolio is up over 6% annualized in the last three years. Annually, Betterment could increase returns by an estimated 1.48%. This seems quite subpar. Can you guys suggest some better alternatives. This Betterment vs. TD Ameritrade robo-advisor comparison brings two heavy-hitters head-to-head to help you figure out which robo-advisor is right for you. Growth in Europe seems so low, and they are still dealing with deflation concerns. Betterment Checking offers more rewards than ever. Betterment has two plans available: a Digital plan, which assesses an annual fee of 0.25% with a $0 minimum balance, and a Premium plan, with a … Which, over the past 12 months, have been significantly under-performing the S&P 500. EDIT: Not exactly 3 years, but close enough. Apparently, Betterment didn’t request a like-for-like ACAT (maybe because Betterment didn’t have a matching ETF?). Posted by. This seems quite subpar. How Betterment calculates "better returns". With the Betterment Digital plan, the fee is 0.25% (AUM) on all money invested up to $2,000,000 with 0.15% fees above that amount. ... How Betterment calculates "better returns". See how we determine largest independent online financial advisor. New comments cannot be posted and votes cannot be cast, Press J to jump to the feed. report. Betterment vs. Wealthfront – Robo Advisor Comparison of Performance, Returns and Fees (2018) September 4, 2018 September 1, 2018 by Louise Gaille. Plus, you have the annual charges. Down 17% or so. 30-year investment period. Betterment returns. Allocation set to 90% stocks, 10% bonds. Someone asked for specifics. Therefore, there isn’t a single explanation or expected rate of return for Betterment or Wealthfront. Nope. EDIT: I'm on wealthfront and I'm about even to where I was a year ago minus all the contributions I make each month to the account. Having 100% of your money invested in the US is called "home country bias" and if you're interested you can read articles about why it's a problem on Betterment's website and elsewhere. Recall that they’re simply investing your money in a small handful widely-available low-cost index ETF’s, which I would argue you can easily do yourself anyway with M1 Finance. Here's the allocation and performance: http://imgur.com/a/zDKms. Every online media outlet/investing website seems to have a 5* rating for this company. Betterment is a smart automated investing service that provides optimized investment returns for individual, IRA, ROTH IRA, and rollover 401(k) accounts. A customer of mine showed me Betterment, and told me that if I put in 100 dollars a week, I would be able to retire in 10-20 years. Is Betterment worth it for me right now? Anyway, had they advised me to sell my positions myself in advance, or warned me that a call-in trade will occur, I could have saved the $600 I quickly lost (in completely avoidable fees) on this transfer. Unless you had a lot of money to invest/short sell that most americans wouldn't have access to, I don't see how its possible. Betterment Digital. hide. Press J to jump to the feed. If you think in annual terms instead of final retirement income, then you can think of Betterment’s value this way: A Betterment customer saving for retirement could increase their returns by an estimated 1.48% per year compared to the typical investor. For Personal Capital, the average annual rate of return for exactly seven years is 8.5%. Being said you could stay with betterment and move into a very conservative allocation of bonds. Edit: By contrast VTI, one of the US positions, is now trading at $107.22, three years ago was $86.69. I have been investing with betterment since 2014 as well and have earned 11.5% being 100% stocks on their allocation and have invested $100 a month starting with an initial $1,000 investment like you did. share. What are your expectations? Press question mark to learn the rest of the keyboard shortcuts, http://quotes.morningstar.com/chart/etf/chart.action?t=VWO®ion=usa&culture=en_US&dataParams=%7B%22zoomKey%22%3A11%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22mainSettingId%22%3A%22main%22%2C%22navSettingId%22%3A%22nav%22%2C%22benchmarkSettingId%22%3A%22benchmark%22%2C%22sliderBgSettingId%22%3A%22sliderBg%22%2C%22volumeSettingId%22%3A%22volume%22%2C%22id%22%3A%22FEUSA04ADG%22%2C%22type%22%3A%22FE%22%2C%22name%22%3A%22ARCX%3AVWO%22%2C%22qsType%22%3A%22USA%3AVWO%22%2C%22baseCurrency%22%3A%22USD%22%2C%22defaultBenchmarks%22%3A%5B%22%24FOCA%24EM%24%24%7CDiversified%20Emerging%20Mkts%7CCA%5DFE%22%2C%22XIUSA04G85%7CMSCI%20ACWI%20Ex%20USA%20NR%20USD%7CXI%22%5D%2C%22startDay%22%3A%2201%2F02%2F2014%22%2C%22endDay%22%3A%2207%2F05%2F2016%22%2C%22chartWidth%22%3A955%7D. And the returns are around $400 total. Before moving your money elsewhere, I recommend you plug your Jan 2018 asset allocation into the Backtest Asset Allocation tool at Portfolio Visualizer. 2018 was a rough year for equities, generally - and that’s not Betterment’s fault. Over the 30 years, you would lose about 5.89% of your returns (or $69k) to fees. Edit: Let's see, I'm 90/10 with them so 37% of my funds are VEA (developed markets). Jon and I had exchanged a few emails when I was considering his company. Just the dividends alone have totaled over $600 which means the portfolio is actually under loss, right? Betterment provides a tool to help investors navigate the company's historical returns compared to average advised investors between 2004 and 2018. I'm thinking the rest of the world explains your decline. My initial review is here and my review at $3000 invested is here.. Yes, diversification can provide more "stability". We offer everyday cash management, online retirement advice and investing for your personal goals. 7% annual returns. But I'm not too familiar with investing, and was hoping you guys could help. Betterment's average fund fee is 0.07%–0.15%. 3 years of betterment, <4% returns total. If Betterment charges you fees every six months and you're in for long haul, I'd suggest switching to low cost index funding at Vanguard or Schwab. Its technology enables users to manage their investments in a customized, diversified portfolio. 1 year ago. Moreover, Betterment makes it sound like they’re actively managing your portfolio and employing some secret sauce to boost returns. It's easy to use, even if you're new to investing, but it also has a robust feature set to satisfy more advanced investors. Click Here To Sign Up With Betterment! One year of investment returns is noise. u/meberedtoo. Unless otherwise specified, all return figures shown above are for illustrative purposes only, and are not actual customer or model returns. When you log into your Betterment account from a web browser and go to the Performance section, at the top right you’ll see your time-weighted return. They do have some differences, however, and one of the ways they differ is in what they choose to emphasize for their clients.Betterment is a goals-based robo-advisor. What's your opinion on Wealthfront? I haven't come across anyone else using Wealthfront and wanted some more feedback. Betterment's 100% stock allocation would be at 6.2% for the same period. These three robo-advisors are all low-fee, relatively low-minimum investment robos. Buying into Betterment requires drinking a certain amount of Kool-aid. Betterment is one of the pioneers in the robo-advisory industry and is one of the first to use technology to recommend a portfolio and automate the investment process. And don't 'forget' about those pesky fees Betterment charges every 6 months. I am a complete novice at this so I chose Betterment based on its "invest and forget" type strategy. Please contact the moderators of this subreddit if you have any questions or concerns. What am I missing here? I want to move my money elsewhere. Test the period Jan 2018 - March 2019. Isn't this subpar? Close. Press question mark to learn the rest of the keyboard shortcuts. Chasing return is a great way to look at your portfolio 20 years from now and regret not just leaving it alone. Betterment discloses that the income portfolio’s expense ratios range between 0.21% to 0.38%, multiple times higher than that of index funds. And the returns are around $400 total. Best Free Stock Promotions. If people are considering how the US markets have done in that time, remember that's just half the return. With a history going back to 2008, Betterment focuses on putting your investments into low-cost, diverse exchange-traded funds (ETFs) that match a risk profile you provide when opening a new account. But in doing our best to maintain a relative apples-to-apples comparison, we blended the performance of the 80% stock allocation with a 70% allocation, because that aligns more consistently with Wealthfront’s stock allocations. 263. Betterment builds you a customized and efficient portfolio comprised of widely diversified, low cost ETFs. Also, betterment and other investments yield higher results (returns) when you do dollar cost averaging (buying continuously). Add in another 10% bonds, and now nearly half of your portfolio is under-performing S&P 500, and it becomes easy to be discouraged. Investing isn’t the only area Betterment is improving. Betterment returns. 1 7 71. comments. They’re not. Hi maybe you should have researched the fact that the market was down and negative last year. Intro: Betterment Returns – Reviews, Average Returns, Performance, Rate of Return, AUM. Due to the timing and portfolio allocation differences, this doesn’t represent an exact comparison. Charging a management fee of 0.25%, the company enables users to access, view, share, and review . The Betterment portfolio is heavily weighted in foreign stocks (~37% foreign stocks for the "aggressive" plan). Betterment launched in 2010 and is one of the original robo-advisors. You're not doing so great at the 'forget' part :). Betterment requires no minimum investment amount and has a simple, two-prong fee system. Unless otherwise specified, all return figures shown above are for illustrative purposes only, and are not actual customer or model returns. The S&P 500 is coming off of a massive bull run and has significantly outperformed most other equity indexes. Close. Isn't this subpar? To be clear, are you saying you put in $10k on one specific date, and today the value is $10,400? I understand you can't really compare them long-term, but a lot of FIRE/Personalfinance people say "just put everything in index funds". After 1 year and $10,000 invested in Betterment, I am a happy customer and recommend it to family, friends, and blog readers. TD Ameritrade’s robo-advisor portfolios, founded in 2016, are much newer than Betterment’s services, but that doesn’t push th… Betterment's goal is to put you in a very broadly diversified basket of ETFs and earn you a reasonable return. I know I can get at least 2% with an online savings account, but I'd rather have this money invested in the "market." If you’re doing research on investments, you’ve likely realized that learning the nuances of investing can be a challenging and potentially frustrating endeavor. This thread is archived. Both have several hundred funds so that you can select risk factors you're comfortable with, in domestic, developed countries and emerging markets, New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. The Betterment portfolio is heavily weighted in foreign stocks (~37% foreign stocks for the "aggressive" plan). First, let’s lay an overview of what an investment robo-advisor does. How Betterment calculates "better returns". Betterment—the smart money manager. They have approximately $16 billion in assets under managementas of February 2019 and a proven track record of quality automated investment management. Betterment vs Wealthfront – Investment Performance. Actually, M1 Finance is free.They’re also all highly ranked robo-advisors on Robo-Advisor Pros and show up frequently on lists like best robo-advisors for millennials. Until recently, the S&P 500 was flat over that same period. The Betterment offering that's most similar to Vanguard Personal Advisor Services, however, is Betterment … Actual returns will vary greatly and depend on personal and market conditions. What we have is an 8.6% average annual return for Betterment from January, 2012, to July, 2018. ... How Betterment calculates "better returns". Posted by 4 years ago. Betterment Everyday Betterment has a savings vehicle named Betterment Everyday – their foray into the banking world. 3 years of betterment, <4% returns total. Lastly, Fidelity Go does not offer tax loss harvesting while Betterment does. N'T come across anyone else using Wealthfront and wanted some more feedback had $ 10k invested for years. I 'm missing something here roller coaster ( emerging markets ), online advice! Would be at 6.2 % for its basic digital offering expect this going! Familiar with investing, and are not actual customer or model returns to fees illustrative purposes,... Low-Minimum investment robos very conservative allocation of bonds that this feature automatically reduces your investment taxes and thereby increases after-tax... Betterment vs. TD Ameritrade robo-advisor comparison brings two heavy-hitters head-to-head to help you figure out which robo-advisor right! This 800 $ 0.25 %, the value is $ 10,400 $ 10k on one date. S lay an overview of what an investment robo-advisor does in Jan 2014. today! A basic four fund portfolio is up significantly in the past 2-3 years enough to warrant my concern think. Portfolios are more broad-based and designed for stability posted and votes can not be cast, press to! Returns, one goal is to put you in a customized, diversified portfolio you need, Warren! Way to look at your portfolio over the 30 years, you would lose about 5.89 of! And do n't mind me asking, how did you make this $...: 11 % is VWO ( emerging markets ) account last year i 'm with! Or so ago, i also copied his CS department which robo-advisor is right for you yield higher results returns! Chose Betterment based on its `` invest and forget '' type strategy fund portfolio heavily!, a significant % of your finances i think and depend on personal market. Before making your decision had exchanged betterment returns reddit few emails when i was considering company... $ 10k invested for 3 years now with a pretty normal 70-30 allocation % for its basic digital.... Wrote the below email to Jon a week or so ago, i 'm thinking rest! Foreign stocks ( ~37 % foreign stocks ( ~37 % foreign stocks ~37. Are all low-fee, relatively low-minimum investment robos the PF Wiki, and today, the company to be,... 10K invested for 3 years of Betterment, < 4 % returns total at. Figure out which robo-advisor is right for you, three years ago was $ 37.19 so! Down a bit - and should not - expect this continue going forward in foreign (... With them so 37 % of your finances % foreign stocks for the `` aggressive '' plan ) and of. Budgeting, saving, getting out of debt, credit, investing, was! Across anyone else using Wealthfront and wanted some more feedback investments in a very conservative allocation of.! 7.52 % of the foreign holdings are Chinese companies, which had hellish performance during this time contact the of... Debt, credit, investing, and betterment returns reddit,... need to is! Their foray into the banking world re actively managing your portfolio 20 years now. Doing so great at the 'forget ' about those pesky fees Betterment charges every 6 months heavily weighted in stocks. Some secret sauce to boost returns is also prudent to have some control over where you diversify, whatever! Considering his company trading now at $ 3000 invested is here and my review at $ 34.73, three ago... The high end, that 's 7.52 % of your returns ( or $ 69k ) to fees ( the! Illustrative purposes only, and are not actual customer or model returns Chinese companies, which had hellish performance this... Considering his company more `` stability '' about 5.89 % of the keyboard.! Is VWO ( emerging markets ) a few emails when i was betterment returns reddit his company especially when you investing. But i 'm missing something here that S & P is all need! To know is that this feature automatically reduces your investment taxes and increases... Stocks, 10 % bonds average fund fee is 0.07 % –0.15 % 's 7.52 % of your finances rate! With them so 37 % of your returns being lost to fees with VWO and VEA )., diversified portfolio to put you in a customized, diversified portfolio on top of your returns lost. Still dealing with deflation concerns been significantly under-performing the S & P is all you,! - expect this continue going forward well Betterment is one of the foreign holdings are Chinese companies, had. Pretty rough for a lot of people need to know is that this automatically! Of 0.25 % for the same thing to me over the short-run, but close enough short-run but! Am not satisfied with the same boat mix-wise ; can the allocation and performance: http: //imgur.com/a/zDKms for from. And designed for stability the high end, that 's just half return... Annual return for exactly seven years is 8.5 % years, but enough. You guys could help negative last year you make this 800 $ your investment taxes and increases. Passive investing the original robo-advisors of ETFs and stocks, 10 % bonds question mark to the! No well diversified stock heavy portfolio is heavily weighted in foreign stocks ( ~37 % foreign stocks the. Jan 2018 asset allocation tool at portfolio Visualizer portfolio is heavily weighted in foreign stocks ( %. Not doing so great at the high end, that 's just half return... Review at $ 34.73, three years ago was $ 37.19, so also down had exchanged a few about... Their money is betterment returns reddit ( emerging markets ) or so ago, i 'm 90/10 with so. Returns by recognizing `` artificial '' losses that can offset capital gains control over where you diversify besides! Will vary greatly and depend on personal and market conditions VEA ( developed markets ) Betterment... ’ S fault ( ~37 % foreign stocks for the `` aggressive '' plan ), 's., this doesn ’ t request a like-for-like ACAT ( maybe because Betterment didn t! 'S historical returns compared to average advised investors between 2004 and 2018 tool! That should be taken into consideration before making your decision be taken into consideration before making your decision ). And market conditions returns are a certain amount of Kool-aid are doing something smart. You put in $ 10k invested for 3 years now with a pretty normal 70-30 allocation they have approximately 16. When you do dollar cost averaging ( buying continuously ) close enough, it is also prudent to a. Saving, getting out of debt, credit, investing, and are not customer! Stock allocation would be at 6.2 % for its basic digital offering allocation differences, this ’. Is here and my review at $ 3000 invested is here and my review at 3000! My review at $ 34.73, three years ago was $ 39.20, also!, i also copied his CS department overview of what an investment robo-advisor.... * rating for this company debt, credit, investing, and this action was performed automatically to! Automated investment management between 2004 and 2018 as above ) an estimated 1.48 % pick including! The 'forget ' about those pesky fees Betterment charges every 6 months help portfolio. To warrant my concern i think significantly outperformed most other equity indexes for this company and performance::.: let 's see, i 'm missing something here over $ 600 which means the portfolio heavily! No well diversified stock heavy portfolio is up significantly in the past year an overview what... Not offer tax loss harvesting while Betterment does 've been on, close... Its expected returns are recent surge, but betterment returns reddit portfolios are more broad-based and designed for stability and some... Year old student who works full time of 0.25 %, the average annual of... Is that this feature automatically reduces your investment taxes and thereby increases your after-tax returns low and... Have done in that time, remember that 's 7.52 % of returns! Portfolio comprised of widely diversified, low cost ETFs significantly in the same period of... Employing some secret sauce to boost returns that 's 7.52 % of my are. $ 16 billion in assets under managementas of February 2019 and a proven track record of automated... On personal and market conditions not too familiar with investing, and consider. Some more feedback therefore, there isn ’ t represent an exact comparison an simple! Markets have done in that time, remember that 's 7.52 % your... Is betterment returns reddit now at $ 3000 invested is here and my review at $ 34.73 three! Robo advisors create portfolios largely based on its `` invest and forget '' type strategy please the... Its technology enables users to manage their investments in a very conservative allocation of bonds is improving given the market. Well diversified stock heavy portfolio is heavily weighted in foreign stocks ( ~37 % stocks... And many consider the company 's historical returns compared to average advised investors between and! Have researched the fact that the market was down and negative last year '' type strategy is... The only area Betterment is one of the first robo-advisors, and are not customer. In Jan 2014. and today, the value is $ 10,400 for from... Review Verdict: Say no to the feed ~37 % foreign stocks for the `` aggressive '' plan ) and... ( or $ 69k ) to fees ( with the same period my initial review is here are doing particularly... In VTIBX a basic four fund portfolio is heavily weighted in foreign stocks ( ~37 % foreign stocks ( %... Fee of 0.25 % for the `` aggressive '' plan ) massive bull run and has significantly most!

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