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by astrange
1609 days ago
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Automatic rebalancing is not that useful as long as you're contributing, because that rebalances on its own. Betterment's tax loss harvesting is good… unless you're expecting your tax rate to go up next year, in which case you want to harvest gains… also, it'd be better to not lose money in the first place. Since they have alternate portfolios like "smart beta" now which try to do that, their features conflict with each other. The main problem is that every robo uses the same Modern Portfolio Theory based investing which despite being "modern" is from 1960. |
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