<prompt> Human: I have previously wasted a little money comparing DIY indexing to Personal Capital. I dont know that I ever got around to posting the final results, but they were in line with the last update which is to say DIY won by a lot.I now intend to waste a little more money comparing Schwabs robo-service, and Betterment, to DIY.A couple caveats:1. When I did the horse race with PC I was super into personal finance. Now Im more of an FI kind of guy, and barely ever think about my finances. As in, I have to set reminders to rebalance stuff now, whereas I used to be logging into my account summary every week or so just out of curiosity. So, from a non-math perspective, Im much more interested in robo-advisors than I used to be.2. I decided to do this yesterday, after thinking a little about Betterment since the fee increase last week. Betterment was a breeze and is already funded, but I might skip Schwab if the paperwork takes longer than my attention span.3. I am using taxable accounts with both robo-advisors. IRAs seem easier to DIY since taxes arent an issue.4. Im not going to be adding any money regularly, which means this is not going to match typical behavior during accumulation. 5. My asset allocation is overly conservative, 65 stocks and 35 bondscash, and I wont be going with the robos advice to hold more stocks. I will pick whichever cookie-cutter allocation they offer that is closest to 65 stocks, and then hold whatever they suggest within that constraint. My DIY account is 40 US equities 328 largesmall now, but I intend to switch to SWTSX, 25 Intl, 30 US bonds, 5 cash. This is a slightly adjusted version of Schwabs Moderate allocation. At the robo services Ill probably have international bonds and commodities as part of the 35 of non-stocks, but I consider that a close enough allocation for comparison purposes.6. I wont benefit much from TLH since I pay no tax and am only in the 10 marginal bracket anyway but Ill consider robo-advisors worth if it they can cover their fees through TLH were I in the 15 bracket. Im not 100 sure how Ill compute after-tax returns since of course I wont actually be paying taxes out of those accounts but Ill do my best.As with PC, please feel free to PM me if I dont post an update and you want to know how its going. Im super lazy, but if people have interest Im happy to type up some results and make a post.For the record, Betterment took about 15 minutes to set up, and a day to transfer cash. They invested it immediately, so I am the proud new owner of about 17k worth of Vanguard ETFs.For the record, my Horse account at Schwab same one from the PC post is worth 35,435.47, and my Betterment account is worth 17,741.03. When I set up the transfer I was aiming for a clean 2x ratio, but I ended up with 1.997. Close enough. The SIP account isnt set up yet, and I dont know how long it will take. Ill be converting an existing account at Schwab, though, so itll be in the neighborhood of 26,454.35.Anyway, probably no one cares, but Im posting regardless. Feel free to ask questions, save for later, or ignore.EDIT: SIP was super easy to open. commentEDIT: It does seem like a waste to not also toss WealthFront in the mix. I dont have another 17k to do an easy 1:1 comparison with Betterment, but I did open one with 7,117. That means no fee at WealthFront, at least for now. Its the risk tolerance level 5.0, meaning 66 stocks and 34 everything else.  <response>: No one has commented so Ill just say that more data is always better than less, so thanks for doing this and I look forward to seeing how it goes for you. 