Hey guys,

I know the betterment vs vanguard topic has been discussed in great detail but I was wondering if anybody has ran the numbers to include TLH. When comparing an expense ratio of .10 to .31, the .31 will obviously cost you thousands of dollars in the long run. Will the harvesting benefits make up for most of this, assuming you eventually get the full 3k in losses harvested?

Basically, I'm trying to justify the cost of betterment because I like the convenience feature (despite the fact that I would be able to do it myself), but I'm not exactly sure how to run this calculation to account for the next 20+years.

Thanks!