<prompt> Human: I kind of just went with the first robo-investor that I learned about and it was Charles Schwabs. But like, both my brokerage account and my Roth IRA are down about 4.7 on the year while the market more or less has broken even this year. Anecdotally speaking, when I do have the inclination to check my accounts on the day to day, I feel like the days where the market is up slightly, my portfolios value goes down, and its only on great days at the market that I see any sort of substantial growth. Both these accounts are for long-term growth so Im not drastically worried about day to day changes, but if the thing is under-performing the market this badly, then whats the deal?x200B;So whats up? Does this intelligent portfolio just automatically invest in garbage? Youd think the diversification would help, but it doesnt seem like it. Are these losses normal to how general investors are performing this year? The 9 cash holdings is also annoying because its not growing and I keep my emergency fund in a money market account with an APY of 1.6, so its actually been a better investment than Charles Schwab Intelligent Portfolio has been up to now. Are there better robo-investors or is it time to learn how to do all this stuff on my own? I like the set it and forget it approach, but I dont like the losing money when I shouldnt be aspect..  <response>: But like, both my brokerage account and my Roth IRA are down about 4.7 on the year while the market more or less has broken even this year.What market, and what is your account invested in? You have to make sure youre comparing equivalent things. Having international stock, for example, is recommended, but that will of course cause you to outperform the SP 500 when international equity markets do worse than the SP 500.Also, did you put all your money in at the beginning of the year? If you add money over time, your portfolios performance will be affected by more recent market performance more, and the last month the market is down quite a bit.In general, you should understand what youre invested in so you dont freak out each time the market ticks down, it will happen many times over a long investment horizon, and worse than this month. 