As far as 401k money goes, there is no measurable difference between robo advisor investment allocations and target date maturity funds. If you have more compl

As far as 401k money goes, there is no measurable difference between robo advisor investment allocations and target date maturity funds. If you have more complex investment goals, or constraints, with your money (e.g. mix in taxes and estate planning), I can see where robo advisors would add value. Of course, increase the complexity level too much and the algorithms might not be able to handle the assignment.