If you think it's worth the higher fees, go for it. I've used betterment, but I don't think it's worth the fees.

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Apr 16, 2021
10:02:01pm

supertux Professional CBer

VTSAX, VTIAX and BND are easy and cheap.

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supertux

Previous username: Hot Extrusion
Bio page: supertux
Joined: Nov 29, 2012
Last login: Nov 25, 2023
Total posts: 55,938 (17,505 FO)

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Messages

Author

Time

I use my IRA as a completely passive account. Until now, I’ve always just put everything in mutual funds. But I’m now

YIsForBrigham Poo Poo

4/16/21 9:59pm

If you think it's worth the higher fees, go for it. I've used betterment, but I don't think it's worth the fees.

supertux

4/16/21 10:02pm

Yeah. Schwab’s product doesn’t charge advisor fees but you do still pay ETF expense ratios. But so do the mutual

YIsForBrigham

4/16/21 10:07pm

Will they invest in non schwab funds?

immacougar

4/16/21 10:10pm

From what I can tell, yes. The portfolio chooses from 53 different funds. Most are Schwab but not all.

YIsForBrigham

4/16/21 10:16pm

You can never avoid the fund expense fees, right? And what’s the extra cost

4slyce

4/16/21 10:49pm

No management or advisor fees for the Schwab robo management. Only the fund expense ratio

YIsForBrigham

4/16/21 11:04pm

My IRAs are betterment, they have done really well for me the last few years

BYUFootballisBack

4/16/21 10:03pm

I'd hope they were doing amazing

HuskerFan2

4/16/21 10:05pm

I have had them for 5? years now, even with the fees they have kept up/outpaced

BYUFootballisBack

4/17/21 9:49am

Yes. I like the tax loss harvesting too

PizzaPipeline

4/16/21 10:09pm

That can possibly be worth it in a taxable account

supertux

4/16/21 10:10pm

I gave up on it. How old are you? It’s better

timponyloco

4/17/21 6:23am

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