[USER]

I have a Roth IRA and traditional IRA with Vanguard. I set up the Robo-Advisor and have holdings in VTI and VXUS. I’m not willing to dive in and regularly adjust anything, but honestly, do we really need to? If I don’t have the mental energy to spend on tweaking things is a Robo-Advisor important? Is it simple enough to just choose VTI or whatever on your own and not pay the higher fees? I’m >25 years from retirement for reference.

[Nicholas]

Of course not. Just go with VOO or VTi and chill.

[Drew]

It is simple enough to just choose VTI or whatever on your own and not pay the higher fees.

[Tom]

Easiest path is to put it all and DCA in the future with an index fund that mirrors the total market or S&P 500.

[Joel]

Advisors are never necessary…

[Author]

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