<prompt> Human: In college, I was a Finance major and got into investing. Read multiple books on subject. Books like A Random Walk Down Wall Street made the most sense to me where it was folly to attempt to beat the market. Best bet was low cost mutual funds or ETFs, diversify across asset classes, and look to more or less match the market.Other than a few outliers Buffett, Lynch, Graham, etc it didnt seem like it was achievable to consistently beat it.Saw an ad for this robo-advisor yesterday and they claim their system has beaten SP 500 by a ratio of 500 to 174 since 2003 - - Normally that kind of claim doesnt pass my BS-detector do you think someone would just go on the internet and tell lies?! but theyve posted their annualmonthly returns as well as a complete trading history on site.What do you guys think? Is this a potential way to consistently beat the market, a complete crock, or just a lucky streak that over decades wont hold up?  <response>: Be wary. Bernie Madoff also made 15 for his clients every year all the way up until he was indicted. 