Betterment maintains a more diversified portfolio and optimizes it for a few things like downside risk, explained here: https://www.betterment.com/resources/inv

Betterment maintains a more diversified portfolio and optimizes it for a few things like downside risk, explained here: https://www.betterment.com/resources/investment-strategy/portfolio-management/portfolio-optimization/ https://www.betterment.com/resources/investment-strategy/por...