[bradleyjg]

Of course it's your money to do with what you like, but how exactly are you interacting with your money and how often?

Also if you want 100% stocks and 0% bonds you can buy VTSAX or VTI (that's US equities, if you want international ex-US there's VTIAX / VXUS).

[jhspaybar]

I have monthly deposits, and mostly just check balances once a week or so. As for buying funds, yes I could do that, but I'd like a nice mix of large and small cap, domestic and foreign, and the tax loss harvesting is quite handy! This would be far more work than I want to undertake elsewhere.

[cardinals222]

you'd also have transaction costs to buy monthly and rebalance when needed which would probably cost about the same as the betterment fee.