Originally Posted by Indiana Randy
One year ago I split my IRA money with Schwab in half. I split it equally between the Intelligent Portfolio (robo investor) and MY picks of Index Funds.
Robo investor has the $100K investment split between 22 funds and YTD returned 12.98%. The Index funds, 4, have returned 23.47%.
Wow. That's quite a difference. Were your selections sector funds where you got lucky or did Schwab fall on its nose somehow?
As mentioned I tried them with $100K over two years vs 65/35 US/International total market funds and the Schwab results were close, but slightly behind, the 65/35 portfolio.