Putting your money into Vanguard requires more investing knowledge (picking which ETF, how to spread investment) and is not nearly as easy, nice to use as bette

Putting your money into Vanguard requires more investing knowledge (picking which ETF, how to spread investment) and is not nearly as easy, nice to use as betterment You could also just pick a couple of already-well-diversified index funds. In the end, the additional knowledge that Betterment offers you is only a benefit if they have higher returns than a simple portfolio of index funds after fees.