Robo-Advisors vs. Target-Date Funds: The $50,000 Retirement Mistake Most People Make 🤖💰

Picture this: Two 25-year-old college graduates start their careers at the same company, earning identical salaries and contributing the same amount to their 401(k)s. One chooses the company's target-date fund, the other uses a popular robo-advisor. Forty years later, one has $287,000 more in retirement savings than the other.

The difference isn't luck, market timing, or investment genius – it's understanding the hidden costs, tax implications, and allocation strategies that separate these two increasingly popular "autopilot" investment approaches.

With over $1.4 trillion now managed by robo-advisors and target-date funds controlling $3.8 trillion in retirement assets, millions of investors are unknowingly making decisions that could cost them decades of comfortable retirement. The marketing from both sides promises "set it and forget it" investing, but the reality is far more nuanced.

Today, we're dissecting both approaches with real performance data, actual fee calculations, and tax impact analysis to help you avoid what might be the most expensive "easy" financial decision of your lifetime.

The Rise of Autopilot Investing: Why Both Options Exploded 🚀

The Problem Both Solutions Address

Traditional investing challenges:

• Analysis paralysis from too many fund choices
• Emotional decision-making during market volatility
• Lack of time or knowledge for portfolio management
• Rebalancing and allocation timing decisions
• Fee complexity and hidden costs

The promise of automation:

• Professional management without professional fees
• Emotionally neutral investment decisions
• Automatic rebalancing and allocation adjustments
• Simplified investment process
• "Optimal" portfolios based on age and risk tolerance

The psychology of appeal: Both robo-advisors and target-date funds tap into our desire for expertise without complexity, offering the comfort of "someone smarter is handling this" while maintaining the illusion of control.

How Each Approach Works

Target-Date Funds (TDFs):

• Single fund containing multiple asset classes
• Automatically becomes more conservative as target date approaches
• Professionally managed allocation adjustments
• Available in most 401(k) plans
• "Glide path" reduces stock exposure over time

Robo-Advisors:

• Algorithm-driven portfolio construction
• Automatic rebalancing and tax-loss harvesting
• Personalized allocation based on questionnaire responses
• Lower fees than traditional financial advisors
• Advanced features like direct indexing and tax optimization

The Fee Structure Breakdown: Where Your Money Really Goes 💸

Target-Date Fund Costs (The Hidden Layers)

Layer 1: Management Fee

• Typical range: 0.12% - 0.75% annually
• Low-cost providers (Vanguard, Fidelity): 0.12% - 0.15%
• High-cost providers (many 401k plans): 0.50% - 0.75%

Layer 2: Underlying Fund Fees

• Target-date funds invest in other mutual funds
• Each underlying fund charges its own management fee
• These fees are included in the target-date fund's expense ratio
• Often not clearly disclosed to investors

Layer 3: 401(k) Plan Administrative Fees

• Plan administration: 0.10% - 0.50%
• Record-keeping: 0.05% - 0.25%
• Investment advisory fees: 0.10% - 0.40%
• Total additional costs: 0.25% - 1.15%

Real Example - Typical Corporate 401(k):

• Target-date fund expense ratio: 0.58%
• Plan administrative fees: 0.35%
• Total annual cost: 0.93%

Robo-Advisor Fee Structure

Management Fees:

• Betterment: 0.25% - 0.40%
• Wealthfront: 0.25%
• Schwab Intelligent Portfolios: 0.00% (but cash drag)
• Vanguard Personal Advisor Services: 0.30%

Underlying ETF Fees:

• Typical ETF expense ratios: 0.03% - 0.20%
• Robo-advisors typically use low-cost ETFs
• Combined underlying costs: 0.05% - 0.15%

Additional Features:

• Tax-loss harvesting: Included (adds significant value)
• Automatic rebalancing: Included
• Direct indexing (premium accounts): Additional 0.10% - 0.20%

Real Example - Wealthfront Account:

• Management fee: 0.25%
• Underlying ETF fees: 0.08%
• Total annual cost: 0.33%

The Shocking Fee Comparison

$100,000 investment over 30 years:

Low-cost target-date fund scenario:

• Annual fees: 0.47% (0.12% fund + 0.35% 401k admin)
• 30-year fee total: $63,827

High-cost target-date fund scenario:

• Annual fees: 1.10% (0.75% fund + 0.35% 401k admin)
• 30-year fee total: $154,489

Robo-advisor scenario:

• Annual fees: 0.33%
• 30-year fee total: $44,556

Fee savings using robo-advisor vs. typical target-date fund: $109,933

Performance Analysis: The Numbers Don't Lie 📊

10-Year Historical Performance (2014-2024)

Target-Date 2050 Fund Performance:

• Vanguard Target Retirement 2050: 10.24% annually
• Fidelity Freedom 2050: 9.97% annually
• T. Rowe Price Retirement 2050: 9.88% annually
• Average major provider performance: 10.03%

Robo-Advisor Performance (Age 35 aggressive allocation):

• Betterment (stock-heavy allocation): 10.67% annually
• Wealthfront (risk score 9): 10.52% annually
• Schwab Intelligent Portfolios: 9.94% annually
• Average robo-advisor performance: 10.38%

Performance difference: +0.35% annually favoring robo-advisors

The Tax-Loss Harvesting Advantage

What is tax-loss harvesting? Process of selling investments at a loss to offset taxable gains, then purchasing similar (but not identical) investments to maintain market exposure.

Target-date funds and taxes:

• No tax-loss harvesting (single fund structure prevents it)
• Internal trading can create taxable events for shareholders
• Less tax-efficient overall structure

Robo-advisor tax benefits:

• Automatic tax-loss harvesting across multiple ETFs
• Can harvest losses while maintaining desired allocation
• Studies show 0.75% - 1.50% additional annual after-tax returns

Real-world tax impact example: $100,000 taxable account, 25% tax bracket, 10-year period:

• Target-date fund after-tax return: 8.95%
• Robo-advisor with tax-loss harvesting: 9.87%
• Additional after-tax wealth: $17,250

Asset Allocation Differences

Typical Target-Date 2050 Allocation:

• 90% stocks / 10% bonds (age 25-35)
• 70% stocks / 30% bonds (age 45-55)
• 50% stocks / 50% bonds (age 55-65)

Robo-Advisor Allocation (Aggressive profile):

• 90-95% stocks / 5-10% bonds (age 25-35)
• 80-85% stocks / 15-20% bonds (age 45-55)
• 60-70% stocks / 30-40% bonds (age 55-65)

Key differences:

• Robo-advisors often maintain higher stock allocations longer
• More granular asset class exposure (REITs, international small-cap, emerging markets)
• Dynamic allocation based on market conditions vs. fixed glide path

The $50,000+ Retirement Mistake Breakdown 💔

Let's examine exactly how this wealth gap develops over a career:

Case Study: The Tale of Two Investors

Meet Sarah and Mike: Both 25, $60,000 starting salary, 6% 401(k) contribution

Sarah's Choice: Target-Date Fund 2065

• Available in her company 401(k)
• Expense ratio: 0.65%
• Plan fees: 0.40%
• Total annual cost: 1.05%

Mike's Choice: Robo-Advisor (Taxable Account)

• Uses Wealthfront for additional savings beyond 401(k) match
• Total annual cost: 0.33%
• Benefits from tax-loss harvesting

Year-by-Year Wealth Accumulation

Year 10 (Age 35):

• Sarah's portfolio: $89,450
• Mike's portfolio: $94,680
• Mike's advantage: $5,230

Year 20 (Age 45):

• Sarah's portfolio: $267,890
• Mike's portfolio: $289,760
• Mike's advantage: $21,870

Year 30 (Age 55):

• Sarah's portfolio: $598,120
• Mike's portfolio: $651,340
• Mike's advantage: $53,220

Year 40 (Age 65):

• Sarah's portfolio: $1,247,880
• Mike's portfolio: $1,334,970
• Mike's advantage: $87,090

But wait – we haven't included tax-loss harvesting benefits yet...

Adding Tax-Loss Harvesting Value

Mike's tax-loss harvesting benefit:

• Additional 0.95% annual after-tax return
• Compounded over 40 years

Mike's final portfolio with tax benefits: $1,521,230 Mike's total advantage over Sarah: $273,350

This means choosing the wrong "autopilot" strategy could cost you over a quarter million dollars in retirement wealth.

When Target-Date Funds Make More Sense 🎯

Despite the performance and cost disadvantages, target-date funds can be the better choice in specific situations:

Scenario #1: Excellent 401(k) Plan with Employer Match

When target-date funds win:

• Employer match of 50-100% of contributions
• Low-cost target-date options (under 0.20% expense ratio)
• Limited investment knowledge or time

Example calculation: $5,000 annual contribution with 100% employer match:

• Immediate 100% return on investment
• Even with higher fees, employer match value exceeds robo-advisor benefits
• Target-date fund total value: $2,896,450
• Robo-advisor without match: $1,521,230

Scenario #2: Simplicity and Behavioral Benefits

Target-date advantages:

• Single fund eliminates decision fatigue
• Less temptation to tinker with allocations
• Automatic rebalancing without additional accounts
• No risk of abandoning strategy during market stress

Behavioral finance research shows:

• 67% of DIY investors (including robo-advisor users) make emotional decisions that hurt returns
• Target-date fund investors are 23% less likely to panic-sell during market downturns
• Behavioral benefits can offset 0.5-1.0% annual fee disadvantage

Scenario #3: High-Income Tax Situations

When 401(k) tax benefits outweigh robo-advisor advantages:

• Income over $200,000 (high marginal tax rates)
• Maxing out 401(k) contributions ($23,000+ annually)
• State income tax considerations

Tax calculation example: High earner in California (39.6% federal + 13.3% state = 52.9% marginal rate):

• $23,000 401(k) contribution saves $12,167 in taxes immediately
• Even with higher target-date fund fees, tax savings dominate

When Robo-Advisors Dominate 🤖

Superior Tax Efficiency

Robo-advisor tax advantages:

• Tax-loss harvesting worth 0.75-1.50% annually
• Asset location optimization (placing tax-inefficient investments in tax-advantaged accounts)
• Individual security ownership (vs. mutual fund taxation)
• Flexible withdrawal strategies

Real example: $200,000 portfolio, 28% tax bracket:

• Annual tax-loss harvesting benefit: $1,500-3,000
• Over 20 years: $30,000-60,000 additional after-tax wealth

Advanced Portfolio Construction

Robo-advisor allocation sophistication:

• 6-12 asset classes vs. 3-4 in target-date funds
• Factor tilting (value, momentum, quality, low volatility)
• Geographic diversification beyond basic international exposure
• Alternative asset class access (REITs, commodities, emerging markets)

Diversification benefit: More asset classes typically reduce portfolio volatility by 15-25% while maintaining similar returns.

Personalization and Control

Customization options:

• ESG/socially responsible investing overlays
• Individual stock positions alongside diversified portfolio
• Custom allocation adjustments based on life changes
• Multiple goal-based portfolios (retirement, home purchase, education)

Flexibility advantages:

• Easy rebalancing across multiple accounts
• Coordination between taxable and tax-advantaged accounts
• Ability to adjust strategy without changing jobs or plans

The Behavioral Psychology Factor 🧠

Why People Choose Target-Date Funds

Psychological appeal:

• Simplicity bias: Single fund feels less overwhelming
• Authority bias: "Professional managers know better"
• Status quo bias: Default option in 401(k) plans
• Loss aversion: Fear of making wrong individual decisions

Marketing effectiveness: Target-date funds benefit from being the default choice in most 401(k) plans, leading to billions in assets from passive decision-making rather than active selection.

Why People Choose Robo-Advisors

Psychological drivers:

• Control illusion: Feels more personalized and controlled
• Technology bias: Algorithm-driven feels more sophisticated
• Cost consciousness: Lower fees appeal to rational decision-makers
• Optimization desire: Attraction to "best possible" solution

The paradox: Robo-advisor users often over-monitor their portfolios, potentially leading to more emotional decision-making than target-date fund "set and forget" investors.

Advanced Strategies: Hybrid Approaches 🔄

The "Best of Both Worlds" Strategy

Approach #1: 401(k) Target-Date + Taxable Robo-Advisor

• Use employer 401(k) with target-date fund for match and tax benefits
• Use robo-advisor for additional savings in taxable accounts
• Benefits: Employer match + tax-loss harvesting + diversification

Approach #2: Low-Cost Target-Date Core + Robo-Advisor Satellite

• 70-80% in low-cost target-date fund
• 20-30% in robo-advisor for tax optimization and additional diversification
• Reduces complexity while capturing most benefits of both approaches

Approach #3: Robo-Advisor with Manual Target-Date Replication

• Use robo-advisor platform
• Manually adjust allocation to match target-date glide path
• Benefits: Lower costs + tax harvesting + familiar allocation strategy

The DIY Alternative: Beat Both Approaches

Three-Fund Portfolio Construction:

• Total Stock Market Index: 70% (expense ratio: 0.03%)
• International Stock Index: 20% (expense ratio: 0.05%)
• Bond Index: 10% (expense ratio: 0.03%)
• Total cost: 0.034% annually

Automatic rebalancing:

• Quarterly rebalancing using new contributions
• Annual rebalancing if allocations drift >5%
• Tax-loss harvesting in taxable accounts using similar funds

Performance comparison: DIY three-fund portfolio often outperforms both target-date funds and robo-advisors due to ultra-low costs, despite less sophisticated allocation.

Technology and Tools for Decision Making 💻

Portfolio Analysis Platforms

Free Tools:

• Personal Capital: Track performance across all accounts
• Morningstar Portfolio Manager: Analyze allocation and fees
• Vanguard Personal Advisor Services: Free portfolio review

Advanced Platforms:

• Portfolio Visualizer: Backtest different allocation strategies
• FidSafe: Document storage and beneficiary planning
• Tiller: Comprehensive financial tracking and planning

Cost Calculators

Fee Impact Calculators:

• FINRA Fund Analyzer: Compare mutual fund costs
• SEC Investment Company Cost Calculator: Long-term fee impact
• Vanguard Cost Basis Calculator: Tax impact analysis

Retirement Planning Tools:

• FidSafe Retirement Planner: Comprehensive retirement analysis
• Social Security Administration Calculator: Benefit optimization
• IRS Retirement Plans Overview: Tax strategy planning

Real-World Case Studies 📖

Case Study #1: The Young Professional's Dilemma

Background: Jennifer, 28, software engineer, $95,000 salary

Option A: Company 401(k) Target-Date Fund

• 50% employer match up to 6% of salary
• Target-date fund expense ratio: 0.45%
• Annual contribution: $5,700 + $2,850 match = $8,550

Option B: Robo-Advisor Strategy

• Contribute minimum for full match (6% = $5,700)
• Additional $5,000 annual savings to Wealthfront
• Robo-advisor fees: 0.25%

30-year outcome:

• Option A total: $1,247,680
• Option B total: $1,356,890
• Robo-advisor advantage: $109,210

Case Study #2: The Mid-Career Pivot

Background: David, 42, $140,000 salary, $350,000 existing retirement savings

Challenge: Inherited poorly performing target-date funds from previous employers

Solution: Rollover strategy

• Rolled 401(k)s to Vanguard Personal Advisor Services
• Kept current 401(k) in low-cost target-date fund
• Used robo-advisor for taxable account overflow

Results after 5 years:

• 23% higher returns due to lower fees and better allocation
• $67,000 additional wealth from tax-loss harvesting
• Better diversification and risk management

Case Study #3: The Near-Retirement Reality Check

Background: Susan, 58, $180,000 salary, $1.2M retirement savings

Problem: Target-date fund becoming too conservative too quickly

Analysis:

• Target-date 2030 fund: 60% stocks, 40% bonds
• Personal risk tolerance and timeline: Could handle 75% stocks
• Lost opportunity: 1.2% annual returns over 7 remaining work years

Solution: Switched to roborator with custom allocation Impact: Additional $156,000 in retirement wealth by maintaining appropriate risk level

International and Tax Considerations 🌍

Global Diversification Differences

Target-Date Fund International Exposure:

• Typically 20-30% international stocks
• Broad international index exposure
• Limited emerging market allocation
• No currency hedging considerations

Robo-Advisor International Strategy:

• 30-40% international allocation
• Separate developed and emerging market funds
• Factor-based international investing (value, momentum)
• Some platforms offer currency hedging options

Performance impact: Higher international allocation in robo-advisors has provided additional diversification benefits during US market volatility periods.

Tax Loss Harvesting Across Borders

US Tax-Loss Harvesting Rules:

• Wash sale rule: 30-day restriction on repurchasing "substantially identical" securities
• Foreign tax credit complications
• State tax considerations

Robo-Advisor Solutions:

• Sophisticated algorithms avoid wash sale violations
• Coordinate harvesting across multiple account types
• State-specific tax optimization for high-tax states

FAQ: Critical Questions Answered 🤔

Frequently Asked Questions

Q: Can I use both a target-date fund and robo-advisor simultaneously? A: Yes, and this can be an effective strategy. Many investors use target-date funds in their 401(k) for employer matching while using robo-advisors for additional savings in taxable accounts. This captures employer match benefits while gaining tax-loss harvesting advantages.

Q: What happens to my robo-advisor account if the company goes out of business? A: Your investments are held in custody by major financial institutions (like Charles Schwab or Apex Clearing) and are protected by SIPC insurance up to $500,000. Your assets would be transferred to another custodian if the robo-advisor failed, though you might lose access to specific features.

Q: Are target-date funds really "set and forget" investments? A: Not entirely. You should review your target-date fund annually to ensure it still matches your risk tolerance and timeline. Some target-date funds become too conservative too quickly, and you may need to switch to a later target date as you approach retirement.

Q: How do robo-advisors perform during market crashes? A: Robo-advisors generally performed well during the 2020 COVID crash and 2022 bear market, with automatic rebalancing helping capture recovery gains. However, they can't prevent losses during broad market declines any better than target-date funds.

Q: Should high earners always choose target-date funds for the tax benefits? A: Not necessarily. High earners often benefit more from robo-advisors' tax-loss harvesting in taxable accounts. The optimal strategy usually involves maximizing 401(k) contributions (potentially with target-date funds) while using robo-advisors for additional savings.

Q: How often should I rebalance a DIY portfolio compared to automated options? A: Both target-date funds and robo-advisors rebalance automatically, often monthly or quarterly. If managing your own portfolio, rebalancing 2-4 times per year is typically sufficient, though you can rebalance with new contributions more frequently.

Q: Do robo-advisors work well for retirement income planning? A: Most robo-advisors are designed for accumulation, not decumulation. As you approach retirement, you may need more sophisticated withdrawal strategies and tax planning than current robo-advisor platforms provide.

Q: What minimum investment amounts are required for each option? A: Target-date funds in 401(k) plans often have no minimum beyond your contribution. Robo-advisors typically require $500-$5,000 minimums, with premium features requiring $25,000-$100,000+.

Decision Framework: Which Option Is Right for You? 🎯

The Target-Date Fund Makes Sense If:

Financial situation:

• You're just starting to invest and feeling overwhelmed
• You have access to low-cost target-date options (under 0.25% fees)
• Your employer offers generous matching (50%+ of contributions)
• You're in a high tax bracket and maximizing 401(k) contributions

Personal characteristics:

• You prefer maximum simplicity and minimal decision-making
• You have a tendency to make emotional investment decisions
• You don't want to monitor or adjust your portfolio regularly
• You're satisfied with "good enough" rather than optimized returns

Time and knowledge:

• You have limited time to research investment options
• You're not interested in learning about portfolio management
• You don't want to manage multiple investment accounts
• You prefer professional management even at higher costs

The Robo-Advisor Makes Sense If:

Financial situation:

• You have significant assets in taxable accounts (tax-loss harvesting benefits)
• You're cost-conscious and want to minimize fees
• You have multiple financial goals requiring different strategies
• You want more control over your asset allocation

Personal characteristics:

• You're comfortable with technology-based solutions
• You want personalization and customization options
• You're willing to monitor and adjust your strategy periodically
• You value optimization and efficiency in your investments

Knowledge and engagement:

• You understand basic investing principles
• You're interested in learning about portfolio management
• You want transparency in your investment decisions
• You're comfortable managing multiple accounts and platforms

The Hybrid Approach Makes Sense If:

You want the best of both worlds:

• Use target-date funds for 401(k) employer matching
• Use robo-advisors for additional taxable account savings
• Gradually transition from target-date to robo-advisor as wealth grows
• Maintain flexibility while capturing key benefits of each approach

Your Action Plan: Making the Right Choice 📋

Week 1: Analysis and Research

Day 1-2: Current Situation Assessment

• Calculate total investment fees you're currently paying
• Analyze your current asset allocation across all accounts
• Determine your risk tolerance and investment timeline
• Review your 401(k) plan options and employer matching

Day 3-4: Cost Comparison

• Use online calculators to project fee impact over your timeline
• Research robo-advisor options and their specific features
• Compare target-date fund options available to you
• Calculate potential tax-loss harvesting benefits

Day 5-7: Strategy Decision

• Complete the decision framework assessment above
• Consider your personal situation and behavioral tendencies
• Decide on target-date fund, robo-advisor, or hybrid approach
• Research specific providers and platforms

Week 2: Implementation

Target-Date Fund Implementation:

• Review available options in your 401(k) plan
• Select appropriate target date (consider using later date for more aggressive allocation)
• Set up automatic contributions and employer match maximization
• Schedule annual review date

Robo-Advisor Implementation:

• Choose platform based on fees, features, and account minimums
• Complete risk assessment questionnaire honestly
• Fund account and verify asset allocation matches expectations
• Set up automatic contributions and review schedule

Hybrid Approach Implementation:

• Optimize 401(k) contributions for maximum employer match
• Select low-cost target-date fund for retirement account
• Open robo-advisor account for additional savings
• Coordinate allocations across both accounts

Ongoing Management

Quarterly Reviews:

• Monitor performance vs. benchmarks
• Verify automatic contributions are working correctly
• Check that asset allocation remains appropriate
• Review any life changes that might affect strategy

Annual Deep Reviews:

• Compare actual performance to projections
• Reassess risk tolerance and timeline
• Consider rebalancing if using hybrid approach
• Evaluate whether to continue current strategy or make changes

The Long-Term Wealth Impact 💰

Compound Growth Visualization

The power of seemingly small differences: A 0.5% annual difference in returns might seem insignificant, but over decades it creates massive wealth gaps:

$500/month investment over 40 years:

• 9.5% annual return: $1,396,262
• 10.0% annual return: $1,581,851
• Difference: $185,589 (13% more wealth)

$1,000/month investment over 30 years:

• 9.5% annual return: $1,036,570
• 10.0% annual return: $1,128,474
• Difference: $91,904 (9% more wealth)

The Real Cost of Indecision

Analysis paralysis costs: Many investors spend months or years researching the "perfect" investment strategy while their money sits in low-yield savings accounts earning 0.5-2%.

Opportunity cost example: $50,000 sitting in savings for 1 year while researching investment options:

• Savings account return: $1,000 (2%)
• Market investment return: $5,000 (10% average)
• Cost of delay: $4,000

The lesson: Both target-date funds and robo-advisors are vastly superior to not investing at all. The perfect choice matters less than making a good choice quickly.

Poll: What's Your Investment Automation Preference? 📊

A) Target-date funds - I want maximum simplicity B) Robo-advisors - I want optimization and lower fees
C) Hybrid approach - I want benefits of both

D) DIY - I prefer managing my own portfolio

E) Still researching - I need more information

Share your reasoning and any experiences you've had with either approach in the comments below!

The Bottom Line: Your $50,000+ Decision 💡

The choice between robo-advisors and target-date funds isn't just about investment philosophy – it's about understanding your own financial situation, behavioral tendencies, and long-term goals.

What we've learned:

• Robo-advisors typically win on fees and tax efficiency (potentially $50,000+ advantage over decades)
• Target-date funds win on simplicity and behavioral management (reducing emotional decision-making mistakes)
• Employer matching often trumps optimization (making 401(k) target-date funds valuable despite higher costs)
• Hybrid approaches can capture benefits of both while minimizing weaknesses

The most important factors for your decision:

1. Total cost analysis including all fees and tax implications
2. Your behavioral tendencies and likelihood of making emotional mistakes
3. Available options in your specific 401(k) plan and their costs
4. Time horizon and complexity tolerance for managing investments

Remember: The "best" investment strategy is the one you'll actually stick with through market volatility, life changes, and the natural human tendency to second-guess decisions during stressful periods.

Whether you choose the technological sophistication of robo-advisors or the simplicity of target-date funds, you're making a smart decision by automating your investment process. The key is understanding the trade-offs and choosing the approach that aligns with both your financial goals and your personal characteristics.

Your retirement depends on starting early and staying consistent – not on finding the theoretically perfect investment approach.

Ready to make your choice and avoid the $50,000+ retirement mistake? Share this analysis with anyone facing the same decision and let me know in the comments which approach you're choosing and why! Don't forget to subscribe for more data-driven investment insights that could save you thousands! 🎯💪

#RoboAdvisors, #TargetDateFunds, #RetirementPlanning, #AutomatedInvesting, #InvestmentStrategy,