<prompt> Human: Ive been a Betterment customer since April 2015. Ive been a huge fan of how easy they make to deposit money on a weekly basis and have it automatically invested in the proper allocation. It was a great tool to initially get me investing my money vs. having it sit in my checkingsavings account. It helped me realize how I can put my money to work and led me to doing countless hours of reading and research on investing.Over the past few months, Ive been following my returns and comparing them to the overall market. I know I shouldnt use the SP 500 as a benchmark since Betterment provides a much more diversified approach, but its tough to sit here and look at how the SP has been on a tear while Betterment has given me tepid returns relative to SP.My primary concern is that I dont know if Betterments diversified approach would actually be more beneficial in the longterm. Tracking my 90 equity allocation account vs. SPY, it almost mirrors SPY in movement but has an ever increasing gap between cumulative returns with Betterment falling further and further behind. Then when the market took a 6.5 drawdown this past week, I checked in on my Betterment account and it took the exact same hit. If my Betterment account provides worse returns in good times, and takes a nearly identical sized hit as the SP during draw-downs, am I actually better off with this diversified approach?Some info about me:- 29 y.o. and married, living in the US. My wife and I are both gainfully employed- No debt and have 6 month of salary in savings as an emergency fund- Account on Betterment is 90 stocks 10 bonds- Betterment account is all longterm and I dont plan to touch the money for 20 years- Here is a look at my account performance vs. SPY - cumulative returns Betterment: 17.7 return vs. SPY 43.3 return- Here is that same chart annualized Betterment: 4.7 return vs. 10.7 returnMy question is, should I stick with Betterment purely on faith that they will provide better returns over the longterm since they are diversified globally? Or should I just park the money in a Vanguard account that indexes the SP 500 and take the peace of mind that Im just mirroring the US market and will reap the gains in good times and take my lumps during the bad times?Im currently leaning towards the latter but want a gut check to see if Im being irrationally blinded by SP 500 FOMO.Edited for formatting.  <response>: This is probably because you have bonds and internationalemerging market equities, and youre comparing it to a single asset class that has had a crazy bull run. You would have done even better if youd been 100 Amazon over that time period, but the risks arent the same. What if you switch, and International goes on a tear, while SPY stays flat?That said, Id invest directly in the underlying funds so youre not paying the Betterment tax. 