Investing in ETFs yourself might seem like a cost-effective strategy, but it's not as simple as it appears. Robo-advisors like Daffy offer a range of services that can significantly enhance your portfolio returns. These services include researching the best ETFs to buy, automatically rebalancing your portfolio, reinvesting dividends intelligently, and providing advanced services such as tax loss harvesting. Robo-advisors earn their keep by doing the heavy lifting for you. They research the best ETFs based on factors like cost and trading volume, which most investors don't consider. They also automatically rebalance your portfolio, a task that many investors neglect or do sporadically. Robo-advisors never forget to rebalance, ensuring your portfolio is always optimized. Moreover, robo-advisors like Daffy intelligently reinvest dividends, a task that can be complex to handle on your own. Some robo-advisors also offer advanced services like tax loss harvesting, using different ETFs in the same category to help you save on taxes. All these services can enhance your portfolio returns by more than the cost of a robo-advisor, which is typically around 0.25% of your portfolio every year. So, should you spend 0.25% of your portfolio every year to ensure you're investing in ETFs correctly? For most people, the answer is probably yes. Daffy, the Donor Advised Fund for You™, simplifies your giving. You can easily donate to almost every US public charity, track tax-deductible contributions, and access donation receipts all in one place. Daffy waives all membership fees for members with less than $100 in their fund, so you can get started today for free. Remember, the information contained on this page is for educational purposes only and should not be considered tax advice. To assess your specific tax situation, please consult with a tax professional. Invest smartly and give generously with Daffy.