If you’re unfamiliar, Betterment is an automated investment service that takes users’ funds and puts them into uber-diversified ETFs and mutual funds, representing equities all over the globe. The user decides what percentage of the portfolio will be allocated to stocks and to bonds, and also identifies a risk-tolerance level – the highest risk tolerance chosen for the chance at largest growth in the shortest amount of time. Everything else is up to Betterment’s algorithms – buying, selling, tax-loss harvesting, allocation rebalancing, etc. It has been called the “set it and forget it†model of investing. [Read more…] about How Betterment Design Took Over Robo-Advising