<prompt> Human: Ive been looking more and more into these automated investor companies lately, and its looking like Betterment is one of the more highly respected companies for people with assets 100k.Right now I have about 120k literally just sitting in my bank doing nothing. I have no debts, currently renting with no current plans of purchasing a house. Im merely looking to let my money work for me and collect more than the .1 or whatever pitiful amount it is now.Im considering putting 15k in betterment and seeing what happens their minimum amount for 3 months of commission-free work. Has anyone on here used it and liked the results? I realize nothing is guaranteed, but Im more than comfortable risking 15k if this really is a well-respected company.  <response>: Betterment charges 0.25 annually, so youd be paying 0.002515000 37.50 per year. Whether that amount is worth the hands-off let-betterment-do-it-for-me approach is up to you.37.50 is not a lot, although 15k is a tiny amount of your portfolio. If you put the entire 120k, betterment would charge 0.15, which would come out to be 180 per year.The alternative is you could avoid this fee by doing the investing yourself. For instance, you could dump all your money into a target date fund, which is also pretty hands-off. 