<prompt> Human: I opened a betterment account in 2013. I cant find anything bad about it thru research except pf posts often say do it yourself and pay less fees. Ive deposited 50,500 total - I have a 500 auto-deposit monthly and when Ive had extra, Ive added chunks here and there. The total today is 51,808.12.Its been three years - why have I only made 1300, which Betterments app says is 2.5?Are others doing better? Do I need to change something? Wouldnt I be making a little more in my 1 Ally savings?Ive thought often about moving it to Vanguard, but the account was worth less than what Ive deposited into it from Sept 2015 to June 2016, so I was hoping not to move it at a loss. Now that its been in the positive for almost six months, I feel like nows probably a good time. Feedback? Thanks.  <response>: What are you currently invested in? I would say you should be doing better, but it depends on your investments within Betterment. Switching to Vanguard wont do anything if you dont change the investments. 