<prompt> Human: As an experiment I invested 1000 with Betterment in July 2014. Other than a few weeks in 2015 they earned negative returns. Until now returns just creeped above 1000. Does this prove their robo investment strategy is flawed? Or should I keep the money in there to see what happens?Edit: In July 2014 I was working a lot and had a flush bank account and no time and didnt really know what to do with the money that was just sitting there. So I put money in a couple things: Bitcoin, lendingclub, apple and google stock, and betterment. I was curious to see what would happen with the betterment investment because the way I understood their marketing was that you give them money and they take it from there with special robo investing science. I didnt do any maintenance or further reading on any of the investments or even try to make them work better. Everything else I put money in from 2014 has made positive gains except Betterment. Edit: It was not clear that auto-investing 100 a month would negate the fees. Here is an email from Betterment in July 2014 explaining how 3 a month fees is a great deal but not explaining that if I auto-invested 100 a month I wouldnt be charged that. Assistant: What is your stockbond allocation? A graph like this isnt uncommon if youre set to 100 bonds or something.Personally my Roth IRA which is 90 stocks10 bonds has Simple Earnings of 10.8 from April of last year, and Annualized Simple Earnings of 12.3 from the same time.Edit ::After looking a bit closer at your image it looks like you would have made an 8 profit if you dont count the fees you paid out due to the pre-2017 fee structure requiring a 100month auto-deposit or you pay a 3month fee.An 8 profit is about average, now that the fee structure has changed to be 0.25 of your balance yearly regardless of account size you will start to see more of an increase as you are paying out much less in fees.Human: The allocation is 90 stock 10 bonds. When I first joined I chose their Build Wealth portfolio just to see what would happen. The way they marketed their brand was that its a kind of set it and forget it system so thats what I wanted to test.The allocation is 90 stock 10 bonds. When I first joined I chose their Build Wealth portfolio just to see what would happen. The way they marketed their brand was that its a kind of set it and forget it system so thats what I wanted to test.  <response>: ya, except you didnt set it, you just threw 1000 in and forgot about it.Setting it means actually depositing money for your retirement. what did you think, you could put in 1000 now and magically be able to retire with that investment?You need to be putting in 25-100 A WEEK to get ready for retirement. 