Latest reviews

Reddit · r/fidelityinvestments · 2 days ago

Started out in Fidelity Go, which gave a spread across small, medium, large, bond and international funds at no cost, before later self-managing.

Reddit · r/Bogleheads · 21 days ago

They use Vanguard Digital Advisor, which bought only total US and international stock funds in an aggressive profile, because work rules keep them from self-directing, and recently found they can tweak the split and funds.

Reddit · r/fidelityinvestments · 22 days ago

They hold Fidelity Go with an aggressive mix that has not been changed, and say they would not mind if Go adjusted the strategy during market corrections since that is what they signed up for.

Reddit · r/Schwab · 33 days ago

They tried Schwab Intelligent Portfolios at its most aggressive allocation and found six months of performance lackluster, so they switched to a self-managed three fund portfolio with Schwab funds.

Reddit · r/investingforbeginners · 36 days ago

A year in the robo-advisor produced a return around negative 0.5 percent, less than a high-yield savings account would have earned, and advisers called it abnormal but could not suggest what to change.

Reddit · r/fidelityinvestments · 41 days ago

They used Fidelity Go for one to two years with no problems and some gains, but returns trailed the S&P 500, so they sold out and no longer use it.

Reddit · r/fidelityinvestments · 41 days ago

They used Fidelity Go for hands-off investing and say it automatically shifted their aggressive strategy to a conservative one after they missed an email, costing them growth, so they plan to leave and self-direct.

Reddit · r/fidelityinvestments · 41 days ago

They saw their Fidelity Go account drop out of an aggressive strategy once because the target date had been reached, and fixed it by moving the target date further out so aggressive could be selected again.

Reddit · r/fidelityinvestments · 41 days ago

They tried Fidelity Go among several robo accounts and did not like it, then moved to another robo-advisor where results were significantly better, while still using Fidelity for their own picks.

Reddit · r/fidelityinvestments · 41 days ago

They experimented with Fidelity Go for a while, then removed the account but kept their other accounts at Fidelity and now manage their own investing there.

Reddit · r/fidelityinvestments · 41 days ago

They tried Fidelity Go about a year ago with spare money to compare against their own picks, found nothing impressive, and say their manual investments did better over the same period.

Reddit · r/fidelityinvestments · 41 days ago

They opened Fidelity Go for their HSA, did not love it, and struggled to move it back to a self-managed HSA, being told only part of the account could be transferred and unable to close it.

Reddit · r/Schwab · 46 days ago

They have used Schwab Intelligent Portfolios for four years with solid gains and like that it does tax harvesting painlessly, but find it conservative and note their own mutual funds did better.

Reddit · r/Schwab · 47 days ago

They have been with Schwab Intelligent Portfolios since it launched and say it beats anything they built themselves, with automatic rebalancing and tax loss harvesting.

Reddit · r/Schwab · 47 days ago

They put roughly half of their non-IRA money in Schwab Intelligent Portfolios about five years ago as a test against their regular index account, and say it does quite well and handles taxes.

Reddit · r/Schwab · 47 days ago

They used Schwab Intelligent Portfolios for years in taxable accounts and it performed wonderfully, but harvesting stopped working as gains grew, leaving a tax bomb that needed their Schwab advisor to turn it off.

Reddit · r/Schwab · 48 days ago

They have used Schwab Intelligent Portfolios for about four years and like it, running several separate buckets each set to its own risk level.

Reddit · r/Schwab · 48 days ago

They set up a moderately aggressive Schwab Intelligent Portfolios account a few years ago and still keep it. Performance seems reasonable but not stellar, though tax loss harvesting keeps realized gains minimal.

Reddit · r/Schwab · 48 days ago

They hold one of their wife's IRAs in Schwab Intelligent Portfolios and are satisfied with the performance, calling it set-and-forget and not world beating but not badly lagging the market.

Reddit · r/Schwab · 48 days ago

They hold a global Schwab Intelligent Portfolios allocation in their IRA at roughly 82 percent stock and report it is up about 60 percent over the last three years.

Reddit · r/investing · 65 days ago

Feels Acorns was ripping them off and is struggling with great difficulty to close the account.

Reddit · r/personalfinance · 66 days ago

Transferred their Acorns holdings to Fidelity and closed the account without owing taxes, although Acorns charged a fee.

Reddit · r/Schwab · 69 days ago

They switched to Schwab Intelligent Portfolios a month ago after growing tired of market swings and report a modest gain so far, along with much lower stress.

Reddit · r/fidelityinvestments · 80 days ago

They opened Fidelity Go as an experiment, saw strong gains since 2024 and plan to stay under the free threshold, but warn about tax implications on selling and a high number of trades that make tax forms busy.

Reddit · r/fidelityinvestments · 81 days ago

They keep a Fidelity Go account alongside a lot of self-managed investing and say it is a good program for set-and-forget, but what it does is not hard to replicate with lower-cost ETFs.

Reddit · r/fidelityinvestments · 81 days ago

They had Fidelity Go and cancelled because the management fee felt too high and the portfolio held too large a share of bonds; they moved to a self-managed brokerage account with a global stock fund.

Reddit · r/investing · 84 days ago

They hold two taxable accounts in Fidelity Go but are considering moving the larger one to a cheaper self-picked index fund because Go's fee seems high compared with doing it themselves.

Reddit · r/Bogleheads · 84 days ago

Left Betterment after almost ten years because accumulated tax losses slowed with account maturity and the fees outweighed the benefit.

Reddit · r/investing · 85 days ago

Trying to close the Acorns account over its monthly fee and finding it much harder than expected to transfer the portfolio, including a bitcoin ETF, to Robinhood.

Reddit · r/personalfinance · 86 days ago

They paid a monthly fee for Vanguard Digital Advisor on their 401k for a decade, mostly set-and-forget, and only recently noticed how large the fee had grown. They are now leaning toward cancelling and using a target date fund.

Reddit · r/personalfinance · 86 days ago

They use Vanguard Digital Advisor and accept the small fee because they believe it makes better investment decisions than they could, and at their age they prefer not to manage things themselves.

Reddit · r/personalfinance · 98 days ago

Has used Acorns since 2017 with round-ups on linked cards and a regular monthly deposit, but is unsure it is the best place to grow their money.

Reddit · r/Bogleheads · 99 days ago

Likes Betterment's tools, ability to link other accounts for a net-worth snapshot, and tax-loss harvesting, though they lose more in fees than they would like.

Reddit · r/personalfinance · 133 days ago

Has used Betterment since about 2015 and finds automatic tax-loss harvesting roughly covers the low fees on an entirely fire-and-forget account, though the fee grows with the balance.

Reddit · r/personalfinance · 133 days ago

Uses Betterment and is happy with its simplicity.

Reddit · r/RothIRA · 158 days ago

Opened a Fidelity Go robo Roth IRA in undergrad because they knew little about investing and liked having it invest automatically, and the account has grown since.

Reddit · r/Schwab · 165 days ago

They hold three Schwab Intelligent Portfolios (taxable with tax loss harvesting, IRA rollover and Roth), tested several robo brands against each other, and picked Schwab mainly for quick phone support.

Reddit · r/Schwab · 168 days ago

They rolled a 401K into a Schwab Intelligent Portfolio in 2020, report strong growth since, and like that it handles rebalancing; the cash sweep suits them as they take distributions, and they are happy with it.

Reddit · r/Schwab · 169 days ago

They moved from stressful day trading to a max-risk Schwab Intelligent Portfolio, are up about 10 percent in three months, accept the cash holding as savings-like, and say they quite like it.

Reddit · r/Schwab · 169 days ago

They closed their Schwab Intelligent Portfolio after a few months because their taxable account, IRA and target date fund matched or beat it with lower fees, and they prefer doing their own transfers.

Reddit · r/fidelityinvestments · 171 days ago

Uses Acorns for weekly recurring investments and likes the round-ups, but hit a linking error when trying to fund it from a Fidelity brokerage account.

Reddit · r/fidelityinvestments · 178 days ago

Judges the Acorns fees and auto-invest not worth the subscription and plans to move their Later account to a Fidelity IRA.

Reddit · r/Schwab · 187 days ago

Was a Wealthfront client; email responses are good but there is zero live support, unlike Schwab branches.

Reddit · r/Bogleheads · 192 days ago

Feels they were cajoled into Betterment's tax-loss-harvesting portfolio and now holds large unrealized gains, with little more harvesting possible and a messy portfolio to exit.

Reddit · r/investing · 194 days ago

They are dissatisfied with how much cash their Schwab Intelligent Portfolio holds, and even after moving to a more risk-accepting strategy the cash share stayed high, leaving them unsure how they feel.

Reddit · r/fidelityinvestments · 203 days ago

They use Fidelity Go across four different accounts and say it has been doing well, up roughly 7% to 13% in six months, while warning to watch the balance threshold for the no-fee tier.

Reddit · r/fidelityinvestments · 204 days ago

They tried Fidelity Go but eventually moved to a self-managed account holding Fidelity zero-fee index funds, which they find equally hands-off, more aggressive and free of advisory fees.

Reddit · r/fidelityinvestments · 204 days ago

They hold Fidelity Go in their Roth IRA and report that some of the funds inside it have posted strong returns, around 19% and 23% over the period they looked at.

Reddit · r/fidelityinvestments · 204 days ago

They opened a Fidelity Go account in 2018 and have been pretty happy with it, noting Fidelity added more funds over time; Go is the only robo advisor they have used.

Reddit · r/investing · 213 days ago

They have Schwab Intelligent Portfolios Premium mainly for unlimited CFP access, which they found worth it, but plan to leave and object to the large cash requirement, calling Schwab reasoning for it weak.

Reddit · r/investing · 213 days ago

They put Roth money for themselves and a spouse into very aggressive Schwab Intelligent Portfolios last fall and are surprisingly happy, with gains that beat most of their other investments over the period.

Reddit · r/Bogleheads · 214 days ago

Says Betterment raised its fee from 0.15% to 0.25% and left them with 8 funds that are hard to rebalance after transferring out.

Reddit · r/Bogleheads · 215 days ago

Was a big fan of Wealthfront at first, but as the portfolio grew the fee became one of their biggest monthly expenses and tax-loss harvesting faded.

Reddit · r/Bogleheads · 215 days ago

Transferred out of Betterment, saying it just buys popular index funds and charges a premium, though it was a low-friction way to get started.

Reddit · r/fidelityinvestments · 219 days ago

A new investor who opened Fidelity Go about eight months earlier with recurring deposits, they checked their statements and found a small overall loss, and asked whether that was normal for the robo-advisor.

Reddit · r/investing · 225 days ago

Eight-year Wealthfront Roth IRA holder who turned down a competitor's transfer bonus, preferring Wealthfront's interface and automated tools.

Reddit · r/Schwab · 226 days ago

They set their Schwab Intelligent Portfolio fairly aggressively and found it lost far less than the S&P 500 in a down quarter, calling it working as intended despite lagging in the prior year, and like its cash interest.

Reddit · r/Schwab · 226 days ago

They hold a Schwab Intelligent Portfolio alongside other ETFs and note that during the recent drop their Intelligent Portfolio is barely down while their other ETFs fell noticeably.

Reddit · r/Schwab · 226 days ago

They are very happy with Schwab Intelligent Portfolios, accept the cash held, and like answering risk questions and making a monthly deposit while Schwab handles the investing, since they lack time to manage markets.

Reddit · r/Schwab · 226 days ago

They hold a Schwab Intelligent Portfolio and wish it kept less in cash, though they acknowledge the cash is placed in a money market type fund rather than sitting idle.

Reddit · r/Schwab · 226 days ago

They tried Schwab Intelligent Portfolios for their Roth IRA but left because it always kept 5 to 7 percent in cash, which they felt was too much and limited the money working in ETFs.

Reddit · r/Schwab · 226 days ago

They keep a sizable portion in a fairly aggressive Schwab Intelligent Portfolio, and report a solid overall return so far.

Reddit · r/Bogleheads · 227 days ago

Has had Betterment for years, pays the fee for simplicity, and finds the interface user friendly with good core portfolio returns and a great HYSA.

Reddit · r/fidelityinvestments · 231 days ago

Regrets opening a Fidelity Go account for taxable investing, since the robo advisor's buying and selling affects taxable income while moving to a self-managed account would trigger a larger one-time taxable event.

Reddit · r/Bogleheads · 232 days ago

Closed their Betterment accounts long ago because they were tired of the underperformance.

Reddit · r/Bogleheads · 232 days ago

Has added to a Betterment account weekly since 2018 with a 90/10 allocation.

Reddit · r/Bogleheads · 232 days ago

Found the Fidelity robo-advisor hot garbage compared to VT or VTI plus VXUS and took a tax hit liquidating it.

Reddit · r/Bogleheads · 232 days ago

Says Fidelity Go put them in municipal bonds of all things.

Reddit · r/Bogleheads · 232 days ago

Ran a horse race of several robo-advisors and found Wealthfront the only one with any alpha, calling it a great option for anyone uncomfortable with DIY.

Reddit · r/fidelityinvestments · 234 days ago

They have used Fidelity Go for about a year and most of the funds have done well, but one conservative fund holding a large share has returned almost nothing, so they questioned whether to keep the account.

Reddit · r/Schwab · 257 days ago

They left Schwab Intelligent Portfolios after the premium tier ended, opening a new self-directed Roth and moving ETFs in kind by phone; the week-long process was smooth and professional with only a mild retention pitch.

Reddit · r/personalfinance · 257 days ago

Valued the unlimited access to a certified planner on the Premium tier and is considering moving after Schwab dropped it, also finding the portfolio's cash allocation less than ideal.

Reddit · r/fidelityinvestments · 258 days ago

They use Fidelity Go for a rollover 401k in the Aggressive Growth strategy and report a one-year return of about 20 percent.

Reddit · r/fidelityinvestments · 258 days ago

They hold a sizeable balance in a Fidelity Go account, have no regrets about it and consider the advisory fee acceptable for what they get.

Reddit · r/fidelityinvestments · 258 days ago

They used Fidelity Go on a small IRA and found it fine while under the no-fee balance level, but left because they prefer to tinker with their own investments.

Reddit · r/fidelityinvestments · 259 days ago

After being burned by financial advisors, they find Fidelity Go a good low-cost, set-and-forget option that adjusts investments periodically, and they like the newly added tax-loss harvesting.

Reddit · r/fidelityinvestments · 259 days ago

They kept their IRA in Fidelity Go for years and found it a good set-and-forget option, though they later concluded it is easy to replicate with a few low-cost index funds and skip the fees.

Reddit · r/fidelityinvestments · 259 days ago

They found Fidelity Go not worth the advisory fee, since it mostly keeps allocations in range, and say a sell of all funds in their spouse's Go account on a strong market day took two days to process.

Reddit · r/Bogleheads · 288 days ago

Keeps a Betterment account as a deliberate fee-based tax to stop themselves from constantly tweaking their allocation, about 93% stocks.

Reddit · r/Bogleheads · 288 days ago

Moved from Betterment to Vanguard in kind and cut a portfolio of over 20 funds down to under 6 afterward.

Reddit · r/Bogleheads · 288 days ago

Credits Wealthfront with helping them start investing sensibly, finds the modest fee worth it, and found its support helpful and intelligent.

Reddit · r/fidelityinvestments · 290 days ago

Reports Acorns support saying it cannot help recharacterize Roth IRA contributions to a traditional IRA because of its one Later product terms.

Reddit · r/Bogleheads · 297 days ago

Uses Digital Advisor for their IRAs and taxable account; when planning a donor-advised fund gift, a Vanguard human rep could not explain how the robo would pick which assets to move, a limitation for tax planning.

Reddit · r/investing · 304 days ago

Runs automated Acorns investing on the basic plan alongside Fidelity accounts, opened originally for round-ups, mainly holding VOO.

Reddit · r/fidelityinvestments · 310 days ago

Overall a good experience with the aggressive growth allocation and solid performance, but the 0.35% management fee that applies above a balance threshold has them weighing a switch to self-managed index funds.

Reddit · r/Bogleheads · 311 days ago

Opened a Wealthfront robo account that earned well last year and says they really like the automatic tax harvesting.

Reddit · r/Bogleheads · 316 days ago

Regrets an ACATS transfer from Betterment to Fidelity because Betterment charged a $75 outbound fee and Fidelity would not reimburse it.

Reddit · r/fidelityinvestments · 324 days ago

Likes Betterment's auto-rebalancing and automatic tax-loss harvesting, finding it better than rebalancing a large self-managed portfolio at Fidelity.

Reddit · r/investing · 329 days ago

Found the Acorns investment accounts worked fine but had a glitchy identity document upload for the checking account and weeks of unresolved customer service, the worst they have experienced.

Reddit · r/fidelityinvestments · 336 days ago

They have a brokerage account in Vanguard Digital Advisor and noted that enrolling or unenrolling is easy to do right from the dashboard, unlike the difficulty they ran into leaving Fidelity Go.

Reddit · r/fidelityinvestments · 336 days ago

They found it very hard to unenroll a brokerage account from Fidelity Go after digging through many layers of the site, which they needed to do to make a direct in-kind transfer from Vanguard.

Reddit · r/Schwab · 338 days ago

They hold Schwab Intelligent Portfolios with about 11 percent of the account in cash, which currently earns around 3.7 percent interest, noting the cash share depends on portfolio settings.

Reddit · r/Schwab · 338 days ago

They found there is no way to unenroll a Schwab Intelligent Portfolios Roth back to self-directed; support said the only route is to liquidate and transfer, and they dislike the high cash allocation that benefits Schwab.

Reddit · r/fidelityinvestments · 346 days ago

Four years with the account ended in regret: it consistently underperformed the S&P 500 and offered no way to time liquidation when closing, unlike a self-managed account.

Reddit · r/personalfinance · 351 days ago

Started investing through the automated portfolio with small regular additions, and likes that it is automated while still learning about investing.

Reddit · r/fidelityinvestments · 372 days ago

Left Acorns long ago for Fidelity, which they describe as free and offering free help.

Reddit · r/fidelityinvestments · 372 days ago

Says Acorns charges a hefty exit fee when moving the account out and sees Fidelity Go as a similar alternative to the Acorns base portfolio.

Reddit · r/fidelityinvestments · 372 days ago

Used Acorns before switching to Fidelity, finding Fidelity free and more transparent.

Reddit · r/fidelityinvestments · 372 days ago

Keeps an Acorns account at the lowest monthly fee alongside Fidelity, warning that Acorns charges per ETF held so exiting costs should be calculated.

Reddit · r/fidelityinvestments · 379 days ago

A retiree who self-managed for decades moved all their tax-advantaged money into Fidelity Go as a buffer against their own tinkering, finds the fee reasonable and values having someone to talk to.

Reddit · r/personalfinance · 382 days ago

Reports Acorns holding their money for over six months through support tickets and compliance document rejections, with bank linking removed so they cannot withdraw.

Reddit · r/Schwab · 406 days ago

Tried Schwab Intelligent Portfolios for almost a year and switched out because even the most aggressive portfolio lagged a broad market ETF.

Reddit · r/Schwab · 406 days ago

Finds the automated tax-loss harvesting the best benefit of Schwab Intelligent Portfolios, which they hold alongside a self-managed account.

Reddit · r/Schwab · 407 days ago

Holds Schwab Intelligent Portfolios for retirement; it underperforms the S&P slightly but is more diversified and loses less in bad markets.

Reddit · r/Schwab · 407 days ago

Used Schwab Intelligent Portfolios for three years and wishes they had done it themselves earlier.

Reddit · r/personalfinance · 408 days ago

Found Acorns suddenly declining their usual paycheck transfers over a daily limit and blocking the card, then closed the account once their money was out.

Reddit · r/investing · 411 days ago

Finds Wealthfront's ETF choices in retirement and automated accounts extremely limited, with no VOO or IVV and few factor or momentum options.

Reddit · r/Schwab · 412 days ago

They have held IRA money in Schwab Intelligent Portfolios Premium for years and found the yearly CFP review worthwhile, with minor but useful suggestions, even if the waits for appointments can be long.

Reddit · r/Schwab · 414 days ago

They opened two Schwab Intelligent Portfolios on the free tier next to three regular brokerage accounts, and see it as a good option for diversification and tax loss harvesting, warning to check the bond allocation.

Reddit · r/Bogleheads · 415 days ago

They switched to Vanguard Digital Advisor a few months earlier and were surprised to find the moderate risk profile holds over ninety percent stocks, which they considered very aggressive and confusing.

Reddit · r/Schwab · 417 days ago

They are quite happy with Schwab Intelligent Portfolios: easy once set up, low-fee ETFs, decent cash interest and good tax loss harvesting. Cons they note are forced cash in an IRA, annoying risk questions and no margin.

Reddit · r/Schwab · 417 days ago

They opened a Schwab Intelligent Portfolio in 2019 aimed at a 2032 retirement and report solid average yearly returns after fees. They note the cash holding but simply set it and forget it.

Reddit · r/Schwab · 417 days ago

They opened IRA accounts for themselves and their young niece in Schwab Intelligent Portfolios, find it easy to add funds, and review quarterly or twice a year, seeing set-and-forget as ideal for the niece.

Reddit · r/Schwab · 418 days ago

They run part of their money in a Schwab Intelligent Portfolios account alongside a self-managed one, say it works fine with good reporting and active balancing, and rarely need to check on it.

Reddit · r/Schwab · 418 days ago

They use Schwab Intelligent Portfolios for a large chunk of their IRA on aggressive settings with international stocks. Their main complaint is the large cash balance, which they pushed down to about 6 percent.

Reddit · r/Schwab · 418 days ago

They have used Schwab Intelligent Portfolios for about six years in a taxable account plus a Roth robo IRA, at the highest risk setting, and call it a great fit since they do not have to think about it.

Reddit · r/Schwab · 418 days ago

They hold a roughly 70/30 stock and fixed income mix in Schwab Intelligent Portfolios, think the net expense beats other robo-advisors, and consider the cash portion fine, calling it a good product for its goals.

Reddit · r/Schwab · 418 days ago

They had Schwab Intelligent Portfolios for five years and feel they missed a lot of gains versus target date funds. They found it stress free but saw little active management and uninvested cash dragging results.

Reddit · r/Schwab · 419 days ago

They have used Schwab Intelligent Portfolios since their mid-twenties and call it a stress-free set-and-forget program, valuing tax loss harvesting in down years and the interest on the required cash.

Reddit · r/Schwab · 419 days ago

They are happy using Schwab Intelligent Portfolios in a taxable account with a moderately conservative mix, and like that tax loss harvesting and auto rebalancing remove manual work.

Reddit · r/Schwab · 419 days ago

They use Schwab Intelligent Portfolios with about half in stocks and say it is fine, tracking the market closely for no effort, and later reaffirm it works well for a casual investor.

Reddit · r/fidelityinvestments · 424 days ago

Moved all their money out of Acorns to Fidelity for more control.

Reddit · r/Schwab · 428 days ago

They put experimental money into a risk-leaning Schwab Intelligent Portfolio in late 2023 and gained, but noticeably less than a plain S&P 500 fund would have over the same stretch.

Reddit · r/Bogleheads · 434 days ago

They unenrolled from Vanguard Digital Advisor and found the cancel option very hard to locate, then posted step-by-step directions via the Digital Advisor tab and Investor Profile page; unenrollment takes a couple of business days.

Reddit · r/personalfinance · 437 days ago

Says Acorns' debit card and transfer daily limits cannot be overridden even by verified customers for an emergency expense, blocking access to their own money.

Reddit · r/Bogleheads · 440 days ago

They liked Vanguard Digital Advisor for holding a simple three-fund portfolio they can keep adding to while it handles rebalancing and tax-loss harvesting for a low fee. The app's withdrawal button did not work, so withdrawals needed the website.

Reddit · r/Bogleheads · 442 days ago

They used Vanguard Digital Advisor for their Roth IRA in the past and judged it a complete waste of time and fees, suggesting the Bogleheads community offers the same guidance for free.

Reddit · r/fidelityinvestments · 443 days ago

They run Fidelity Go on the most aggressive strategy and are up for the year, planning to keep it until the management fee kicks in and then self-manage, since fees add up over decades.

Reddit · r/fidelityinvestments · 444 days ago

They hit odd timing issues in how Fidelity Go purchased and settled funds, which cost nearly 5 percent of their deposit, and the call center and documentation did not explain why timing mattered.

Reddit · r/Bogleheads · 447 days ago

Signed up for Betterment Premium but does not feel they get much value from it and is moving to a Bogle-style portfolio.

Reddit · r/fidelityinvestments · 458 days ago

They ran Fidelity Go side by side with a DIY Fidelity account, found its performance lagging after six months, and stopped contributing to the Go account.

Reddit · r/Bogleheads · 466 days ago

Closed a Schwab Intelligent Portfolios account into a brokerage account and found the cost basis data was not carried over, leaving them waiting to plan tax moves.

Reddit · r/Schwab · 467 days ago

They tried a small amount in Schwab Intelligent Portfolios after their broker pushed it, saw it do nothing, and disliked that they cannot control the account or move money out without asking permission.

Reddit · r/investing · 467 days ago

Has a large sum in Wealthfront's direct investing product and would convert out if the built-in gain were not so large; increasingly doubts these products make much difference.

Reddit · r/Schwab · 468 days ago

They have held a less aggressive Schwab Intelligent Portfolio for nine years with strong yearly returns and a smaller drop in 2022 than the S&P 500, and value the free rebalancing and peace of mind.

Reddit · r/Schwab · 469 days ago

They tried Schwab Intelligent Portfolios in two IRAs and a taxable account on the basic tier, then cancelled via an in-kind transfer for a more growth-tilted mix, while praising Schwab customer service.

Reddit · r/Schwab · 469 days ago

They had their wife in a Schwab Intelligent Portfolio, found its 2024 return disappointing, and moved it to a regular IRA, calling the product a ripoff despite liking Schwab and its customer service.

Reddit · r/Schwab · 469 days ago

They have a Schwab Intelligent Portfolios account and are thinking of dropping it as they move toward dividend income, since adjusting the portfolio toward that goal gave underwhelming performance.

Reddit · r/Schwab · 475 days ago

They ran Schwab Intelligent Portfolios on an aggressive setting and it lagged far behind other accounts they left alone, so they moved everything into an index fund and are doing better.

Reddit · r/Schwab · 476 days ago

They have used Schwab Intelligent Portfolios for years in a taxable account as fire and forget with a moderate aggressive profile; it trails their other account slightly, but the cash sits in a decent money market.

Reddit · r/Schwab · 478 days ago

They hold Schwab Intelligent Portfolios and call the cash drag real, finding the 6 to 14 percent cash allocation excessive, but are otherwise happy with overall performance.

Reddit · r/Schwab · 478 days ago

They run three Schwab Intelligent Portfolios accounts (Roth, rollover 401k and taxable with tax loss harvesting), like seeing it rebalance itself automatically, and find the underlying fund expense ratios low.

Reddit · r/Schwab · 478 days ago

They put a rollover IRA into Schwab Intelligent Portfolios and found it generated very little compared with the portfolio they managed themselves, advising others not to do it.

Reddit · r/Schwab · 478 days ago

They hold a managed Schwab Intelligent Portfolios account alongside a self-managed Roth, find it ok with periodic rebalancing, and have no real complaints other than the cash drag.