<prompt> Human: First one is, when I plug in the numbers monthly contributions x years etc and I get an expected return in a dollar amount, does this only include estimated dividents or is it just based on of return? Which leads to my second question..If I do 70 stocks, I assume lot of stocks must pay dividents- right? If so is there a way to reinvest? I dont see that option anywhere neither on the app or actual website. And lastly, how do you suggest I customize the stocks to bonds ratio? Im 33, not saving for something in particular and just looking to invest, maybe for 7 years and comfortable funding 200-300mo. Should I go more aggressive or keep the recommended?  <response>: Betterment automatically reinvests dividends, they will also auto balance your account from time to time to keep the stockbond allocation close to what you set it at.Since there is no specific goal for the money, just investing, I might go more aggressive than 7030 stocksbonds. Maybe 8515. But thats really your call.Betterment used to have a questionnaire you could take about your risk tolerance and at the end they would suggest an allocation. 