>Imho all robo advisers are a waste of money. If they were actually effective they’d use their own services themselves as opposed to sell them to retail. One o

>Imho all robo advisers are a waste of money. If they were actually effective they’d use their own services themselves as opposed to sell them to retail. One of the benefits is tax-loss harvesting. (https://www.investopedia.com/terms/t/taxgainlossharvesting.asp#:~:text=Tax%2Dloss%20harvesting%20is%20the,than%20long%2Dterm%20capital%20gains https://www.investopedia.com/terms/t/taxgainlossharvesting.a....) This is essentially free alpha. You can do it yourself but it's a pain to do correctly.