Diversification is one of the most important variables to success when planning for retirement (or planning to make money). Having a Robo-Adivsor is fine but keeping your human Advisor remains valuable. Access to your real advisor anytime you want is crucial for re-assurance. Today on SeekingAlpha Edward Overbey explained about the cons of relying only on computer algorithms. He "lays the groundwork for a long-term comparison of Betterment, WealthFront and the Vanguard Total Stock Market ETF (VTI). That article prompted questions from readers, most of whom got a short answer. This article will answer the questions more expansively. But first, please understand the rationale behind the experiment: Although most SA readers are active investors and have the tools to invest profitably, at some point we will no longer actively manage our portfolios either through choice or necessity. This series seeks to compare two of the better-known robo asset managers to a fund. I chose VTI because several people whose expertise I respect, including some SA contributors, suggest VTI as an investment vehicle to take an investor through retirement. There is no intention, stated or implied, to determine who has the best algorithm. Likewise, the… Read More"