Betterment Advantages: Good for lazy investors, time-restricted investors, investors with little knowledge, investors who want a hybrid of advice and tools without paying the crazy fees of mutual funds or an advisor. Tools are great, although they can be found online Portfolios & Rebalancing are not terrible Cost is relatively cheap when compared to a mutual fund, advisor or active trader. The biggest advantage, is that it is easy, quick and convenient Disadvantages: Limited by portfolios offered Lack of data for performance in a bear market Still relatively new, things are being developed/ironed out If you have the time and knowledge, this might not be for you