<prompt> Human: What does rpersonalfinance think about the new IRAs being offered by Betterment.com?Im contributing up to the employers match and then Id like to max out a Roth IRA. I agree with the philosophy that trying to beat the market is a losing game. I like the simplicity of setting a dial at Betterment, setting up automatic contributions, and never thinking about it again.Is this foolish?Would I be losing significant gains by choosing this option and paying the small management fee over, say, opening a Roth IRA with Vanguard or similar option and managing things myself?Thanks.  <response>: You can get lower expense ratios at vanguard. And they have tools to help you choose funds based on risk. Vanguards lifestrategy funds, are basically a mix of stock bonds with much lower expense ratios and a single minimum investment of 3kBetterment uses a mix of a stock fund and inflation protected securities which you could probably come close to replicating with vanguard by investing in inflation protected fund VIPSX and total stock market fund VTSMX at some ratio and that has an average expense ratio of only .2. You could also swap out something a bit more directed instead of VTSMX. The downside to this is that youd need a larger starting investment for these funds 3k each. . 