Betterment Returns Via Reddit Users

“I’ve had $10k invested for 3 years now with a pretty normal 70-30 allocation. And the returns are around $400 total. This seems quite subpar. Just the dividends alone have totaled over $600 which means the portfolio is actually under loss, right? What am I missing here? Every online media outlet/investing website seems to have a 5* rating for this company. EDIT: Not exactly 3 years, but close enough. The sample size is large enough to warrant my concern I think. Someone asked for specifics. Here’s the allocation and performance: http://imgur.com/a/zDKms“

This poor guy had 35% of his portfolio allocated to international stocks… diversification is key… CapitalistReview recommends 25% Emerging Markets (VWO) – 25% Tech (QQQ) – 25% S&P 500 (SPY) – 25% Small Cap (IJR)… please see our THIS ETF PORTFOLIO WILL BEAT 99% OF PROFESSIONAL MONEY MANAGERS article

“Does anyone here (Reddit) use Betterment?… To answer your question right away, yes I use betterment, and it was one of the best decisions I have ever made.”