From what I understand, this is not the goal of this tool. Their goal is to smooth out volatility, at the cost of performance. Instead of "100% VOO", they inve

From what I understand, this is not the goal of this tool. Their goal is to smooth out volatility, at the cost of performance. Instead of "100% VOO", they invest in a more balanced portfolio like 80% stocks/20% bonds. This means at any given point your portfolio will not have big swings in value, in case you need to withdraw money (like to buy a house) at a sub-optimal time.