<prompt> Human: I have been investing with betterment for almost a year I think ? So far my simple return is just 3.6. I have 90 stock and 10 bond choosing betterment portfolio, its not much from bank saving account not to mention I still need to pay the advisory fee. How can I improve my return ? The portfolio has roughly 50k in it.  <response>: A lot of people spend more time understanding a 50 shoe purchase than a 50k investment buy. If this sounds like you, Id back up, stop investing, and learn the basics. Read the FAQ here, and an investing book. Then youll know to be happy with a 3.7 return, if it mirrors the market return over the period. 