<prompt> Human: I put 10K in a Wealthfront account about 6 months ago. Heres my experience so far. Just sharing for the curious. 1. No transactions have been made since the initial buys 6 months ago. So much for adjusting ratios. No shares have been purchased with the cash from dividends despite enough that they could buy an additional share or two.2. Despite the market being at a record high Dow hit 18K today, my account is down just shy of 2. Mostly due to a commodity index that is down 20.3. The company has promised an Android app and despite them raising over 129 million in venture capital several months ago there is not any signs of an Android app in the making. Iphone app exists already.4. Because the portfolio value has crossed over the 10K mark a couple times I have paid advisor fees I think 2 or 3 months although only 1 cent each month. first 10K is free.Clearly I should have just dumped the 10K in a Vanguard SP 500 Admiral shares index fund. Sigh.  <response>: My account is down just shy of 2. Mostly due to a commodity index that is down 20... Clearly I should have just dumped the 10K in a Vanguard SP 500 Admiral shares index fund.Would you be saying the opposite if commodities had increased by 20?The key to sticking with an asset allocation is knowing why everything is there, and being OK with your total portfolio performing differently than the SP500 for long periods of time.That is actually why I have a DIY slice and dice portfolio instead of using WealthfrontBettermentetc. Im OK with putting in extra time to decide what asset allocation I can live with took a couple years of reading for me to finalize that, and rebalance at the end of the year or when the asset allocation gets more than a few off. 