how is it ? how is the return on investment ?
It's great, returns are based on the asset mix. It's low cost index funds, bonds, and municipal bonds so the returns for the past several years are obvious. There's no fee because many of the indexes are Schwab so major edge over betterment or wealthfront.
Probably better to go with a vanguard target retirement fund if you wanted hands off no touching at all. Exchange for a later date retirement fund if you want it to be more aggressive.
It’s “free”. So it has limitations. It gravitates around Schwab’s funds and relies too much on cash investments for my taste. I prefer betterment on that front (set and forget). Not recommended if you want to be hands on.
I don’t want to be hands on. What would you recommend ?
You can set the amount of cash :)