<prompt> Human: Just wanted to thank this sub, and pass on that this really is a great app. I know the market has a lot to do with the gains, but besides that - the app itself is wonderful, and their customer service is great as well. Ive had to use them several times. It offers a lot of customization and easily manages things. Out of all the roboadvisors out there, Id definitely recommend this one. My portfolio over 9 months  <response>: The Vanguard target date fund in my 401k is up 16 YTD. 