so i signed up for FutureAdvisor, and linked my Vanguard Roth to it, years ago and totally forgot about it and never did a thing with it. About 3 months ago, I randomly stumbled back onto it and logged in. I was surprised to find that it had been tracking my Vanguard Roth for like the last 6 years. Because of that, I was able to sort of backtest the performances of the two. What i found was that my Vanguard Roth (80/20 split) basically yielded 4% and with futureadvisor (taking fees into acct and a similar investment portfolio and strategy) would have yielded 7%! Yes it has been a bull mkt but still, that's pretty impressive for a set it and forget it strategy. And with the frequent auto-rebalancing these robo advisors do, even in a down mkt, I think it would have beat Vanguard. Not bashing Vanguard mind you. I put my mom's money there. I like em. I'm just saying...
just thought i'd share. happy saving