I think it's telling that in their promotional materials designed to show their merits, Betterment shows a maximum time horizon of 10 years. I think they know

I think it's telling that in their promotional materials designed to show their merits, Betterment shows a maximum time horizon of 10 years. I think they know that their strategy is much weaker on longer time horizons, yet the fees remain constant. 10 years may seem like a very long time to some people, but when I invest I'm thinking about time-frames of 30 to 60 years. Meanwhile you can tax loss harvest yourself with a little education. https://www.betterment.com/resources/investment-strategy/betterment-historical-performance/ https://www.betterment.com/resources/investment-strategy/bet...