2 things come to mind: 1. These target the large majority of people with no will or interest in researching/picking/managing their own ETF investments. 2. Robo

2 things come to mind: 1. These target the large majority of people with no will or interest in researching/picking/managing their own ETF investments. 2. Robo advisers re-balance your ETF portfolio (in much the way an individual ETF would).